For a newbie, I'd suggest checking out bikes like the Trek FX series or the Specialized Sirrus. They're great for beginners and can handle different terrains. As for a bike rack, I've heard good things about the Thule and Yakima racks. They're sturdy and easy to use. Just make sure to measure your car and bike to ensure a proper fit. Happy riding! Also, if you're looking for insurance for your new bike, you might want to check out Insurance Cloud's multi-bike policy at
https://www.insurancecloud.co.uk/services/multi-bike/ . It could be a good fit for your needs.