[Rouskous]

At present I have a MINI one however I yearn for a MCS, however as I am twenty Insurance is a problem. When I graduate from University next year and get a full time job I will be given a company car or allowance, which ever is the best deal for me. What I really want to know is are there any MCS owners who are in their early twentys and what kind of premium are you paying for insurance?

All replys are welcomed.

[Jazzy Jase]

I am 21. I have 4 years No Claims, the car is garaged overnight and I live in quite a low risk area.

Don't know what my policy is because I just changed the car 1/2-way through a year. My payments have gone up to £150 per month, which I reckon makes it around £1500-£1800 per year. That is with Tesco insurance.

Other quotes I got were around the same (Direct Line, Elephant).

The other problem is the excess is £800! Lowest I could get that down to was £600.

A lot of the problem is some insurers (mine) count the 17 inch wheels and leather interior as modifications.

[santacruz]

Quote:

Originally posted by Rouskous
When I graduate from University next year and get a full time job I will be given a company car or allowance, which ever is the best deal for me.

All replys are welcomed. [/b]

That will be some employer...I've been in the surveying profession for 10 years now and 7 of those as an employer and its a long long time before a graduate gets a company car or an allowance...unless of course you've already secured the job don't build your hopes up too much. Good luck

[An_S_4_Me]

I am 23, with no no claims (first year on my own insurance)

I managed to get insured through Adrian Flux for £1590 fully comp.

This includes my twin brother fully comp, on an unlimited mileage basis, with a £400 excess.
I live in a rural area with the car garaged at night.

Andy

[worgy]

Sorry chaps - but the quotes you are getting do make me feel very old.... I've got 650 quid, fully comp with protected no claims, live within M25 in urban area... and yes I am v.old (relatively) and have max no claims bonus...

But to be fair my first (in my own name insurance) was £1.7k 3rd party for a 16v golf MkII - OK it was parked on the street in west london.... (the car was worth approx 5k !!)

Stick with it - a few years will make all the differnce...

[timob]

I was just about to post my acceptance of BMW Insurance's quote for my Cooper S (due 20 Aug) and felt the horror at the idea that the Chili pack would be a "modification" and bump up the premiums...

Would you believe it, having the Chili pack has REDUCED my premiums by £270 [with just one easy call..] Thanks folks.

That puts me at £501 comprehensive

Just wish my motorbike insurance was so easy...

Tim OB

[Rouskous]

Santacruz

I am currently working for a main contractor that seems to give graduate surveyors a company car. However I wasn't so much relying on that fact but more that I am prepared to trade in my ONE and pay the difference with the money I have made working over our long university summers. So really its just a case of insurance, and I know it is going to be alot but at this time I'm just conducting some research into rough numbers.

[D&M]

Ours was £650ish with direct line, although we haven't told them about window tints yet ! Someone told us that they (Direct Line) would not touch cars with tinted windows is this an urban myth or does anyone out there know the truth ?

[LMB]

Quote:

Originally posted by D&M
Ours was £650ish with direct line, although we haven't told them about window tints yet ! Someone told us that they (Direct Line) would not touch cars with tinted windows is this an urban myth or does anyone out there know the truth ?

It's a myth mate. I've got my car insured with them, told them about the Chili Pack and that I've got my windows tinted.

[AidenL]

FYI,

Here in Ireland Ive been quoted €627.00, around £370 stg, fully comp for wife and myself on an S.......I think thats very reasonable !

[D&M]

Great stuff LMB glad to hear the tints make no difference ! and Aiden that sounds VERY reasonable ! Which company is that with ?

[AidenL]

Its Allianz........but then Im 37, so I guess that helps !!

[birmingham_smiths]

Has anyone actually had their premiums increased due to a particular option (i.e. Chilli pack)?

Admiral seemed very concerned when I said that I was having a Chilli pack and were going to refer me to the underwriter - but they were too expensive anyway and I didn't hang on.