Youngest 'S' Driver - insurance?

[Hugo]

Just insured my MC last weekend, but I have been looking at changing to an S. Its under a £100 more for an S.

S is around £1100

I'm 24 with 2 years NCB and 4 NCB before accident

[Jamesr022]

Quote: Originally Posted by MiniOneSam (original)

Hi there guys. Would love to know roughly what kinda ages drive MCS's and how much they pay for insurance!? I'm a Mini One driver and have been since end of December, passed in Feb and I'm loving every second of it!! However I am (and always have been!!) a MINI enthusiast and can't wait to upgrade, but obviously must wait till I can afford it. So how much do you pay and at what age?

I'm 27, 53 plate Cooper S and paying £500 through MNI Insurance and i have been driving for 10 years!

I will be honest Sam i don't think you will get reasonable insurance for a Cooper S for at least 2 or 3 years!

The cooper S is group 15 and the ONE is group 5 which is quite a large jump!
regardless of vehicle price the insurance group will always be the one of the determining factors! the cars will always have similar performance regardless of age and price !

other things that will affect the price are location where the vehicle is kept, where you live and most important your age and driving experience, i.e your 17 and currently you only have less then 3 months since you passed your test!

If you want to bring your insurance down do something like the pass plus course as completing it some insurance companies will give you a discount!

How much is the insurance on your Mini ONE?

[David_MCS]

Insured my Mini Cooper-S when i was 20,

20 Years old
0 ncb
Parked on drive
£1400 fully comp

I'm now 21, and i've got a quote through an EssexMini2 sponsor, currently at £1031

-David

[MiniOneSam]

Quote: Originally Posted by Jamesr022 (original)

How much is the insurance on your Mini ONE?

Currently paying about 2k through MINI Insurance. Was going to wait 2 or 3 years anyway, just wanted to see how quick I could get one

[Steady]

I found elephant.co.uk to be by far the cheapest for me....

I'm 21, one accident in past 5 years, no points.

Paid £1400 for my GP

[elmo_s_driver]

I find it hilarious how little you pay for insurance in the UK compared to Ireland.

I am 20, 3Yrs NCB. I pay a little over 1400 fully comp. Which is riciulously cheap. They crack down hard on insurance over here in ireland, especially with younger drivers. I paid 4600 for my first policy when i was 17. Third party only on a 1989 mini (which cost me 500quid) had to bite the bullet and do it. Saved for the insurance, not the car.

All prices listed above are in euros!

[LookalikeJCW]

Quote: Originally Posted by jamesbeaumont (original)

minionesam youre forgetting the cooper, quicker than the one but cheaper to insure than the S, a skip from a one to an S would be a bit much at your age

I think the best idea is to mod your ONE, even just a bluefin will get it into the cooper range no point paying that much more to get a cooper and insure it for more when you can just make you ONE faster if thats what you want. £400 for a superchip otherwise you loose money in depretiation so on.
Hope this helps
Mark

[brett26]

iv got afriend who is 19, he has a mcs with bhp upgrades, i think he is on his dads buisness insurance tho.

[MiniOneSam]

Quote: Originally Posted by Steady (original)

I found elephant.co.uk to be by far the cheapest for me....

I'm 21, one accident in past 5 years, no points.

Paid £1400 for my GP

Wow that's pretty good Steady!! How long back was the accident and how many years NCB have you got at the moment?

[superdupercooperS]

Cooper S - 21 years old & 2 yrs NCB ---- £1020 Fully Comp

[futureal33]

Im 20, but was 19 when I got my S - price was £1500 through Adrian Flux (they were the only company who would cover me!) with 0 yrs no claims and 0 crash history.
Next year its due to drop 30% when I get my 1st yr no claims A.Flux told me over the phone last night

*oh forgot to mention with all my mods covered as well - only made £100 difference*

[West9]

You wont get it for anything reasonable dude.. unless you're Simmo and go on his parents insurance... hence not insured really and illegal!

I'd say wait till your 19/20 and get some experience behind you

[I love MINI, Laura]

I say there is nothing wrong with a One anyway! I once got caught going 96 mph in my One! Whoops! I was 21 when I got my One and kept it till I was 24. I was waiting for the magic age of 25 (when price of Insurance comes right down) to get one as they are considered a performance car and the insurance price reflects that! I say stick with the One if your insurance on that is £2k! It will be closer to £5k for a Cooper S.

As your a young person you also have the young person fee that is over £500 to claim anyway! So anything minor happens to your car it is cheaper just to fix without claiming anyway.

With MINIs you have to get it covered properly anyway or your options are not listed aswell. Elephant and Admiral and such are known not to cover options.

[Ianking]

Im 24 and have an R56 S. been driving since I was 17. Got 3 points and park the car on a main street judt out side Edinburgh. 1 year no claims. £650 with Admiral.
Before that I had my cooper with a JCW conversion and it was £450 with direct line and it was the first car I insured in my own name, I had however been a named driver on my mums direct line policy as she insured the car for me until then.

[PmP]

I was 20 when I got my MCS, paid £1600 fully comp through portfolio insurance, but they initially said no. Declared mods too, which didnt alter price. Premiums generally are higher here in Northern Ireland than england.

Now 23 and i'm paying under £1000. Also covers me fully comp in own name on a vauxhall astra, a saab estate, a nissan xtrail, and a van (and the GP part time).

Needless to say I'm not insured to drive the porsches til i turn 25, but will be askin when I turn 24. Tho I do have 3rd part cover for any car as far as im aware.