Insurance for 17 year old cooper or one? - MINI Cooper Forum

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post #1 of 70 (permalink) Old May 1st, 2006, 06:53 PM Thread Starter
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Insurance for 17 year old cooper or one?

Hi, This is my first post so if i post it in the wrong thread please let me know. Just a quick questions, i was wondering if anyone(preferably aged 17) had recently had a quote on a MINI cooper. I can't seem to find anywhere that will even give me a quote. I have read up on the previous threads for young drivers but there doesn't seem to be an outcome on the other posts. I was also considering a MINI one and i have had a couple of good quotes from MINI cover and Tesco, but i would really prefer the MINI cooper.

Thanks in advance, Amy
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post #2 of 70 (permalink) Old May 1st, 2006, 07:21 PM
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I know the cooper always looks better than the one but personally if i was to buy agan it would be a mini one, i think it offers much better value for money besides its the same engine just lower power output. My choice would be either mini one or cooper s.

What makes you want the cooper more than the one? I think adding more options to a mini one is better than less options on a cooper.

If your desperate for cheap insurnace try admiral/bell/elephant although they dont cover your options even tho you pay extra to cover them. It is cheaper cover for that reason.

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post #3 of 70 (permalink) Old May 1st, 2006, 09:37 PM
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Try co-operative insurance services: www.cis.co.uk - being a guy, and just turned 18, they quoted 3990 on a cooper and 3234 on a one. i am a guy though and have been driving for less than one year but that includes a pass plus discount.

elephant quoted me 6.5k on a one!

Try easy money insurance: http://www.easymoneyinsurance.com - they're adminstered and underwritten by zurich. I was quoted 2816.56 on a Mini One, they wouldn't insure me on a cooper.

as for the whole one/cooper debate, just get a one. pretty much everything you can do to a cooper you can to a one and it's cheaper to insure...just makes more sense.

hope this helps!

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post #4 of 70 (permalink) Old May 1st, 2006, 10:46 PM Thread Starter
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Yeah, i got a quote of 1388 on MINI insurance just for the basic one no extras at all, i thought it was ok considering my sister has a Yaris and her first year cost 1700. The quote i got was using my sisters information because I'm not 17 til December, but everything is the same apart from the name and the date of birth, but i expect it will change alot by the time i am ready to purchase the insurance. I think i will just go for the one, it was a choice between a new one or a used cooper. Thanks for the replies

Last edited by amyb896; Jun 4th, 2006 at 10:20 PM.
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post #5 of 70 (permalink) Old May 3rd, 2006, 01:34 PM
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When I was 18 I was insured on a ONE with Norwhich union, paying 597 for a 10 month rapid bonus policy with 1 year NCB - may be worth trying them
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post #6 of 70 (permalink) Old May 3rd, 2006, 10:47 PM Thread Starter
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The insurance premium seems to go down alot with 1 year NCB, my sister just got her quote in for her 2nd year and it was 900 odd, so its gone down by about 800, so i think anywhere i try and get a quote will be over 1000 at least. Thanks anyway.
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post #7 of 70 (permalink) Old May 3rd, 2006, 11:26 PM
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i insured my ONE to start on my 17th birthday with provisional obviously and it was 1660 for me as only driver.
Now with 1 year NCB bonus and almost 18 my newest quote is 920 to start on my 18th birthday.
I have the Salt pack which puts it up a bit as it has alloys etc.
Its with www.directline.co.uk but woulnt insure me on the phone so i did it online :S
I couldnt get any quotes for a cooper, if its the performance your after then get a ONE and get it remapped.
Good luck, Kris

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post #8 of 70 (permalink) Old May 3rd, 2006, 11:44 PM
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18 with a cooper. With Bell insurance, 1800 with one years driving exp. A lot of companys gave me quotes bar BMW Insurance. Good Luck
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post #9 of 70 (permalink) Old May 4th, 2006, 09:39 PM
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id reccommend egg.com for motor insurance.

quoted me 700 on a 2.2 sport Z3 convertible (aged 20 1yrNCB)

also - i got my mini cooper last year and insurance for it was only 500 and thats with mods too.
So it will be more - but you'l get a quote surley

CENTRE
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post #10 of 70 (permalink) Old May 7th, 2006, 12:59 PM
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My brothers 19 with an aero kitted one and he got quoted from 1500 to 6k and thats with 2 years no clames

i have not done one for what i will be on my one seven when im 17


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post #11 of 70 (permalink) Old May 10th, 2006, 08:16 PM
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Quote:
Originally Posted by mooneymini
id reccommend egg.com for motor insurance.

quoted me 700 on a 2.2 sport Z3 convertible (aged 20 1yrNCB)

also - i got my mini cooper last year and insurance for it was only 500 and thats with mods too.
So it will be more - but you'l get a quote surley
they're underwritten by the same people as Mini insurance.

regards
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post #12 of 70 (permalink) Old May 20th, 2006, 11:53 PM
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Just tried egg.com. Got quoted 1896 on my own. I'm 20 and have had my license since March 05. Thats getting insured on my car which is a 2002 cooper with chilli pack.
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post #13 of 70 (permalink) Old May 24th, 2006, 12:29 PM
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im 18 and drive a one and my insurance is 1100 with norwich union
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post #14 of 70 (permalink) Old May 24th, 2006, 02:28 PM
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I've found Direct Line pretty good, in the past I was able to build up NCB whilst only a named driver. Now I've got my Cooper its 1100, just turned 19.
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post #15 of 70 (permalink) Old May 24th, 2006, 03:01 PM
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Blimey, I feel really sorry for you guys, most of those quotes are hideous! I know I'm 22 but give mini cover a try, and ramp up the excess, they seem to drop the premium heavily if you do.

However, agreed with the Norwich Union cries, my other car is with them and it costs peanuts. (again, the excess trick works well with them, reduced premium from 580 to 310)

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