'07 Cooper S Insurance

[gazxxxx]

i have had my 07 MCS for 3 days 4 days now and my insurance is up for renewal at the end of this month. i went from a Megane 1.6 to this. im 21 years old and some places are not even bothering to offer me a quote!

Can anybody recommend an insurance company to me that is the most reasonable for younger people with MCS'?

thanks

[Paul]

First thing first....

You bought a car without first calling your insurance companies to find out "the hit"? Ouch, there's a lesson to everyone.

Next, Adrian Flux seem to come up often. And it it's completely standard (and I mean NO extras, such as Chilli Pack, aircon etc, as they don't cover then like for like) then Elephant/Admiral often come in cheap.

There's a few similar threads here in the insurance forum that could be helpful, take a browse/search and see what companies come up often, then get on that phone!

Let us know how you get on too.

I actually found BMW (not MINI) insurance very good, and I'm currently with Liverpool Victoria, who also seem very good.

[gazxxxx]

Quote: Originally Posted by Paul Mullett (original)

First thing first....

You bought a car without first calling your insurance companies to find out "the hit"? Ouch, there's a lesson to everyone.

if i did look at it, i might not have got the car!!! like i said, had it a few days and love it!

i have had the best quote from admiral so far. it is a basic MCS and my girlfriend has a speeding ticket (in her diesel clio, not my mini!) and that is £1200ish!

[Paul]

Be aware of Admiral's policy though. They will charge extra for and "cover" extras such as Chili Pack, Aircon, 17" alloys etc, but under their T&Cs do not replace these "extras" (even factory fitted etc) like for like.

I was with Admiral with an old car, but when I got my MINI I left due to this policy, and from very recent feedback on here it's still the same.

[supa-dupa-cooper]

Quote: Originally Posted by Paul Mullett (original)

I actually found BMW (not MINI) insurance very good, and I'm currently with Liverpool Victoria, who also seem very good.

LV have just sent my mum a quote for a car she sold nearly 3 months ago, and the best of it is, shes never had a policy with them?!

Quote: Originally Posted by Paul Mullett (original)

Be aware of Admiral's policy though. They will charge extra for and "cover" extras such as Chili Pack, Aircon, 17" alloys etc, but under their T&Cs do not replace these "extras" (even factory fitted etc) like for like.

I was with Admiral with an old car, but when I got my MINI I left due to this policy, and from very recent feedback on here it's still the same.

And dont believe everything they tell you on the phone! Diamond (admiral) told me they do replace extras like for like, but the small print says different!


I did a bit of research last night, on MINI insurance. Im currently 20 with 2 years NCB, they wont quote me online for any S. I changed my date of birth to make me 21, and they will then quote on an S (no matter whether i put 2 or 3 ncb). Interestingly this isnt the case with Zurich (who im with now) It says to call them for a quote

You will find some companies wont quote but most should. It will just be expensive!

The easiest way i found to sort out my insurance after the problems i had (if you read the thread i started you will understand) was to go to a broker. They will search loads of companies for you and get the best price/cover.

But i would certainly have done some research before getting the car?!

[ru81]

Quote: Originally Posted by gazxxxx (original)

if i did look at it, i might not have got the car!!! like i said, had it a few days and love it!

i have had the best quote from admiral so far. it is a basic MCS and my girlfriend has a speeding ticket (in her diesel clio, not my mini!) and that is £1200ish!

If £1200ish from Admiral is your lowest, I think that is probably about as cheap as you're going to get. If your main concern is the price (rather than the quality of the cover) I have found Elephant/Admiral to be the cheapest. However, as others have said, they are not good for insuring extras.

Some tips I have found for keeping the cost down are:
1) Keep your annual mileage as low as possible
2) Add someone with a full clean licence (and a respected profession) as a named driver. I added my Dad (a solicitor) and it reduced my premium by over £100.
3) Park in a garage if possible.

Good luck!!

[CC07ERS]

Iam with Budget insurance with 8y NCB & 38 with the JCW aero kit for £367 . I called 50 companies to get a decent quote . You can use moneysavingextra.com to do the search for you .

[jez_MCSc]

Try Direct Line. I was 21 when I took my insurance out with them and it was less than £1000. Now 22 and its £650 with 2 years NCB, good postcode. I have my house insurance with them though so I get an extra discount.
Let us know how you get on.