Insurance - How Much do you pay?

[Dave_Boost777]

Thought it might be worth a sticky to find out how much everyone is paying for insurance:
Circumstances will be different but gives a good idea.


ill start with mine


Age: 21
Drives: 06 Cooper S
Driving for: 3 and a half years
Ncb: 3
Points or Claims: Sp30 3 points till april this year, no claims in last 3 years.

Location: According to this thread http://www.mini2.com/forum/finance-i...ting-here.html , im a B


Insurance company - Adrian Flux
Cost and policy - £850 fully comp

I think that was a good quote personally, but maybe some of you will prove me wrong.

[wheyaye2]

Age: 27
Drives: 03 Cooper S Works (Modified)
Driving for: 7 years
Ncb: 4
Points or Claims: None

Location: E

Insurance company - Adrian Flux
Cost and policy - £360 (Fully Comprehensive)

[blueyeswill]

Hi, I've not got my mini yet, it's due to be delivered on 10th March!! However, I do have my best quote, just waiting for my reg now so I can purchase it.

Age: 21
Drives: 07 cooper s
Driving for: 3 years (as named driver on Mum's policy)
NCB: 0 years
Points/Caims: 3 points SP30 2 years ago

Location: B

Insurer: Quinn-Direct
Quote: 1575

Not bad I thought, took a lot of looking around, next best quote I got was from Bell who offered 1900. Much better than some of the other quotes I was getting, one crazy company (forget the name) offered insurance for something in the region of 22,000!!!!!! CRAZY!!!!

Will

[linners2005]

Age: 19
Drives: Cooper S (1st Gen nice one haha)
Driving for: 2 years (as a named driver on my Dads insurance)
NCB: 0 years
Points/Caims: n/a (touch wood)
Location:

Insurer: Elephant
Cost: 1600

Andy

[S33BBY]

Age: 22
Drives: 2006 Cooper with JCW Sound Kit
Driving for: 5 years (almost)
NCB: 0 years
Points/Claims: None
Location: F*

Insurer: Egg
Cost: £970

Firstly, I'm pretty shocked about my location letter (I take it F* is bad?). There's very little crime around here. It's a quiet area! Anyway, I've got a 1st generation Cooper with the JCW Sound Kit, which is insured, and I pay £970. Hopefully when I come to renew in July, it'll fall a bit because I'm 22 now (was 21 when I started the policy) and I'll have 1 year NCB (touch wood).

[MarkL]

Age: 45
Drives: 2003 Cooper with Pepper pack
Driving for: 18 years (almost)
NCB: 8 years protected
Points/Claims: None/None in last 3 yrs apart from windscreen repair
Location: A

Insurer: Direct Line
Cost: £273

I'm getting an R56 Cooper in March and the quote for that is £284.

[:: Jon ::]

Age: 26
Drives: Cooper S (Modified)
Driving for: 8 & 1/2 years
Ncb: 6
Points or Claims: 28 day ban SP50

Location: C

Insurance company - Adrian Flux
Cost and policy - £629 (Fully Comprehensive)

[rec]

Age: 23
Drives: 56 Cooper
Driving For: 2 years on current license.
NCB: 2 years
Points/Claims: 7 points CD10 4 years ago in May. Coming off my license 27th May this year.

Location: C

Insurer: HIC
Quote: 902 Fully Comp with Track Cover, legal cover, drive other cars, all that malarky.

[hyperbluejames]

Age: 22
Drives: 2006 Cooper (Pepper pack)
Driving for: 4 1/2 years
NCB: 0 years
Points/Claims: None
Location: No idea...but it's an upmarket area if it helps

Insurer: Elephant.co.uk
Cost: £758

Now this is not who I am with, I'm a named driver on my dad's insurance, but I did a quote online today and apparently this is what I would be paying if I were the main driver. Oh with a £250 excess.

[West9]

[Age: 18
Drives: 2005 ONE 1.6 Pepper
Driving for: 6 Months
NCB: 0 years
Points/Claims: None
Location: Rugeley, Staffs
Insurer: Direct Line
Cost: £1800

[CC07ERS]

Age 38
drives 07 cooper s
Driving for 20 years
NCB 8 Protected
Points/Points 3 mw 10
Location Irvine B
Insurer Budget
Cost £368 fully comp With jcw aero kit

[beaks]

Age 35
Drives 07 cooper s JCW Aerokit
Driving 5 years
Ncb 4 years
Points 3
Location Ipswich
Norwich Union
Premium £450.00

[nad]

Age: 19
Drives: 2003 cooper s (modified)
Driving for: 2 1/2 years
NCB: 1 years nearly 2 years in march
Points/Claims: None
Location: again No idea... but it's an gud area

Insurer: natwest
Cost: £1493 fully comp

last year insurance was very expensive, with the no clames there was a very big difference

[Dainewb]

Quote: Originally Posted by wheyaye2 (original)

Age: 27
Drives: 03 Cooper S Works (Modified)
Driving for: 7 years
Ncb: 4
Points or Claims: None

Location: E

Insurance company - Adrian Flux
Cost and policy - £360 (Fully Comprehensive)

Is this a mistype! £360?! My details are
Age: 27
Drives: .R56 Cooper S Chilli
Driving for: 9 years
Ncb: 4 (protected)
Points or Claims: No claims, 3 points SP50

Location: F

Insurance company - Adrian Flux
Cost and policy - £695 fully comp/protected ncb

Mine is twice as much as yours! and are details are mostly quite similar! Adrian Flux was my cheapest quote by about £100 as well. surely a modified s works should be more than an r56s.

Having said that, your insurance seems to be the lowest here. Any ideas why (other than mistype!)

[jez_MCSc]

Age: 22

Drives: 04 Cooper S
Driving for: 4 years
Ncb: 2
Points or Claims: None

Location: A
Insurance company - Direct Line
Cost and policy - £672 (Fully Comprehensive)

Extra 10% off for having my house insurance with them.