Is it a right or is it a privilege to have a car ?

Idk if it's a privilege. I'd say probably. Because you need the financial ability to drive legally.

But because the Google English Dictionary says a Right is;

1. that which is morally correct, just, or honourable.
   
2. a moral or legal entitlement to have or do something.
   

I'd say once you fulfil the relevant requirements* you are legally entitled to do so. So it's a right.

*and you have the money

As for it being immoral... probably. But unless you have private health cover / financial ability to cover heath costs you can argue it's immoral to drink, eat unhealthy food or do any potentially dangerous / damaging activity (like non-essential cycling) as they are selfish unnecessary actions that result in a cost to society.