Mini One insurance for a 17 year old?

[wayner9]

I can only give you this advice: Compare. In your special case many insurers will try to make money with you. Try to get a lot of different insurance offers and then start negotiating. The competition in the market could help you with getting the cheapest insurance policy for you. I profited a lot from negotiating and you are always better off when you have an overview of the prices on the market.

[adam_Randell]

id say go on compare the marke or confused.com

i rang drian flux (i just turned 20) and asked how much it would be to insure me in my cooper. i told them all the modifiecations etc. they came back to me and said 'oh Mr Randell we have an amazing offer here. you going to bite our hands off!' i though oh nice, £1200/1300 maybe.......over £4500! I was shocked. And that was with a 10% discount...so, shop around mate!

[Porn_Star]

Quote: Originally Posted by Anthony_h (original)

At 17 adding an older driver with ncb will always put the risk down, as you aint always going to be driving it. That will lower the premuim, just like saying you have access and use other cars also lowers it, the less they think your going to use it the cheaper its going to be. My insurance is just over 1800 with me on my own with out my nan and auntie on it and 1200 with them. All insurance companys say adding an older driver can reduce the premium by up to 20%.
Just try it, when your young anything that means your going to use the car less decreases the price its worked for me my best mate my girlfreind and everybody elses my age ive told to do it.

The crazy thing is aswell im 20 with 2 yrs ncb and putting my gf on my insurance who is 20 and has only a provisonal normal lowers my quotes by about £50 .

You know what the funny thing is? I was giving the guy advise.
Insurance is my living I do this everyday!

Ok first of all it does not always work!
I canceled a guys insurance last week, he did the policy online with his dad as the named driver. When it was looked into his dad has a IN10 that he had not declared as such we had to cancel it. The funny thing is that his new policy now is just him - no father, as putting his father back one (correctly) would have driven up the premium.

Second if you plan to put yourself as a "casual" driver and not the main driver. The term "fronting" comes to mind, we can chose to cancel or not pay out at the time of a claim if it is discovered to be a fronted policy. - But to be honest I can only think of one occasion that I know of that I have ever seen this done.

But yes often you still will get a discount, but as I said try with and without!

Using companies that say they will give named drivers NCB is also one to look out for, as often the second driver's NCB is only recognized by the original company (any any subsidiaries).

Oh you mentioned having your girlfriend reduced your premium, that is usually the norm. Underwriting likes female drivers so u get a discount for them. Better still if she is your "wife" or "common law partner".

In your case you may find however the rates go up after she has passed her test. You see she is less of a risk as a "learner" as she will always be with an experienced driver. However upon passing her test she will be driving on her own and a "new driver". Not always the case but again something worth knowing.

All brokers are given different rates from underwriters. So one broker might be great for Peron A but suck for Person B. This is why you may find two brokers will give you different premiums but still place you with the same underwriters.

All I am saying is no one "trick" will always work for everyone, you have to try with and without. It is best to talk to a knowledgeable broker (not one of these call center drones). Shop around till you find a deal you are happy with. Also never continue to look as you will find it for less and it will just depress you!

If I were you to be totally honest I would be a named driver till I was 25, even though as I said above it is not 100% ligit, it is what I would do. On my mothers policy too.

But all in all good luck, and shop around. If you have a day to kill I will email you a number, you call them and they will put you on to loads of brokers. Lots of work but you can play them off against each other.

[Murker1991]

im 18 but when i got insured on my new mini one it was just under £700 with provisional liscence and no increase when i pass compared to £1200+ everywhere else (this is named driver)

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