Insurance for a Young Driver

[bayproject1]

Hello,
After being the proud owner of a Mini One for a year I want something with a bit more grunt, so Im looking at a Cooper S but....... the insurance is killing me! Does anyone know of any companies that will offer a remotely reasonable deal for a 18 year old driver with a years no claims bonus? Or am I just p***ing in the wind?

Cheers Ben

[MiniPetrolHead]

Im 19 with a companey called Endsleigh, i have one crash under my belt which happened 1 year ago on september 11th. and im paying £3300 fully comp.

What have you been quoted if you dont mind me asking?

Alex

[drumzz]

im 17, hoping to change my coop for an r53 (s), have managed to find fully comp insurance for 2100

[bayproject1]

Quote: Originally Posted by MiniPetrolHead (original)

Im 19 with a companey called Endsleigh, i have one crash under my belt which happened 1 year ago on september 11th. and im paying £3300 fully comp.

What have you been quoted if you dont mind me asking?

Alex

Im being quoted at around £4500 fully comp with the usual companies, if they touch me that is! Just done a quote with Endsleigh and it was £4300, one of the cheapest I seen.

Quote: Originally Posted by drumzz (original)

im 17, hoping to change my coop for an r53 (s), have managed to find fully comp insurance for 2100

Where did you get that quote from? And how much you paying for your Cooper now?

[minioneandrew]

The cheapest i have found for my ONE, and S (which i havent got yet) is the admiral group (admiral, bell, elephant) I am 19, 0 NCB paying £1000 for my one. I got quoted £1400 to upgrade to an S.

[Robguy67]

just becareful that the insurance company know its a cooper s.

when i first got my cooper s at 18 more than half the insurance quotes i got kept quoteing me for a cooper. and when i went through the details to confirm it all they wouldnt insure me when they realised it was the mcs. had this happen so many time when shopping around for insurance.

[*Vikki*]

OH MY GOD! you guys are MAd for paying that amount for insurance!! thank god for being female if i wanted a JCW Cooper S ild pay £800 fully comp with tesco! which i think is still a lot! but my ONE's dead cheap to insure wouldent have it any other way!

[ScottyBoy]

Quote: Originally Posted by MiniPetrolHead (original)

Im 19 with a companey called Endsleigh, i have one crash under my belt which happened 1 year ago on september 11th. and im paying £3300 fully comp.

What have you been quoted if you dont mind me asking?

Alex

OMG thats alot of money how can you afford that, im paying £1000 with Adrian flux with 2 yrs NCB hopefully down to about 700 in january.

...... and thinking of that price and a recent GTT Intercooler on ebay did you ask him a question off offering him £220???

[supa-dupa-cooper]

Those prices are ridiculous, i'd never pay that for any car, let alone a MINI!

I paid 1200 for my first year of driving on a MINI ONE, i'd never ever pay more than that on any car in the future.

At 18 though, you've clearly only been driving a year, would it not be far more sensible to stick with a ONE, or if you really want 'that bit extra' a Cooper?

[minioneandrew]

Pointless buying a cooper for most of us ONE owners, as many of us have remaps like bluefin which give more power than a cooper.

[mikbmini]

My insurance is £1600 for my 53 reg Cooper S for 10 months. Thats with Elephant. I know their a bit crap and don't cover optional extras but what other choice do I have when the nearest competitors are asking over 3 grand? I'm 21 (only just and wasn't when took out policy) have no NCB and one crash (over a year ago) under my belt. Mind you, when I chose to pay monthly they put the premium up to £2170 for 10 months. Makes me sick!

[danb]

I'm 20, 2 years NCB, paying £860ish for an '07 R56 MCS - about to get a quote for JCW kit

[James]

im 18 and was quoted 1300 on an s with admiral

[drumzz]

Quote: Originally Posted by Crammy (original)

im 18 and was quoted 1300 on an s with admiral

hi there crammy,
if u dont mind me asking, was that as a named driver, with your parents having a no claims bonus?

just turned 18 two days ago, sold my cooper and am in the lookout for an S but cant find nothing cheaper than 2100 and thats as a named driver with diamond, 1 years ncb

[James]

hi it was my own policy fully comprehensive with my mum on it, admiral do 10 month policies so i have 2 years ncb with them. It was also with the highest excess you can pay which doesnt matter really as itd be cheaper to pay for smaller repairs than make a claim in the long run...

p.s i have 3 points on my license