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| | #1 |
| MINI2 Newbie Join Date: Mar 2007 Local Time: 02:41 AM
Posts: 18
Offline | '07 Cooper S Insurance 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 |
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| | #2 (permalink) |
| Trained Monkey Join Date: Jan 2001 Location: Bedfordshire Local Time: 02:41 AM
Posts: 41,274
Offline | 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. There aint no party like my nana's tea party |
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| | #3 (permalink) |
| MINI2 Newbie Join Date: Mar 2007 Local Time: 02:41 AM
Posts: 18
Offline | 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! |
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| | #4 (permalink) |
| Trained Monkey Join Date: Jan 2001 Location: Bedfordshire Local Time: 02:41 AM
Posts: 41,274
Offline | 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. There aint no party like my nana's tea party |
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| | #5 (permalink) |
| In S Club Heaven!! Join Date: Mar 2004 Location: Cloud MINI Local Time: 02:41 AM
Posts: 20,504
Offline | 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?! 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?! ![]() |
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| | #6 (permalink) |
| MINI2 Regular Join Date: Nov 2006 Location: Oxfordshire Local Time: 01:41 AM
Posts: 271
Offline | 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!! ![]() |
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| | #7 (permalink) |
| TYPE R GT VTEC POWERED | 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 . |
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| | #8 (permalink) |
| MINI2 Regular Join Date: May 2005 Location: Bristol Local Time: 01:41 AM
Posts: 129
Offline | 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. |
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