Hey everyone!
this is my first post so apologies if ive done it in the wrong place!
Im looking for some help if possible. I'm 17 in 2 months time and my Dad and I have been looking for a mini for me to learn in, and drive when I pass my test, which i'm really excited about!
We have found a good one which we are viewing tommorow, a lightning blue R56, with pepper pack and 16" wheels.
However, calling around insurance companies it seems that whilst it is expensive, ( which we were expecting!), most companies will not ensure me at all, and some will not insure me with a car with the pepper pack.
I'd really appreciate any help if anyone is insured by, or knows of a company that would insure me!
Thanks!
Sorry for the long message!
i agree with admiral i think they are the only people who would insure me too!
directline wouldnt insure me due to my pepper pack..
put it in your dad's name under a brand new policy (so your not using any claims its brand new)
and with admiral you still get a NCB
good luck, let me know how the quote goes,
its a lovely feeling getting your mini, i sat on the train for 2 hours travelling to the showroom to get it and the BEST feeling is when they hand over the keys but its heartbreaking when you cant drive it back home when your a provisional driver!!!
2 main keys of insurance.. put it in your dads name and register the car in his name too! just don't get flashed by a speed camera
When I had my Mini One when I was 17, I had it with Norwich Union at around £1900. I then did a Pass Plus course which brought it down to £1200. Its weird how it drops so quickly as now Im 20, it costs in the £300 region. P.S these figures were 2005
im with bell with my mini cooper s at 20 with 2yr ncb costs me £1200 but have had qoutes on compare the market and confused for around 900-1000 that fully comp but id try bell the only im with them mainly is because they let me pay extra to have the drive other cars extension and i cant find another company that will do it for my age plus i have breakdown, hire car, window screen , legal protection,european cover and breakdown to they let you taylor everything to so you can make to suit yourself.
Thanks for your help everyone!
Cars sitting on the drive now and i cant stop peering out the window and looking for xcuses to go out!
still six weeks till i can drive it but your help has knocked the price down quite a bit so thanks!
got abit of time look even more though!
got my one when i was 16 (now 19) and am insured as a named driver on my mums policy (she pays i dont argue) was £1000 ish with a 1k excess (dont crash) that was with tesco and that was the cheapest at the time. now its about 500 quid with a 250 excess soon comes down (still with tesco earning my own no claims bonus being a named driver)
- not always true as insurance will always be based on the highest rated individual, however you will get discounts for addition drivers at times. So try with and without.
Admiral, you guys trust Admiral! Good lord! Only a few companies I would never go with Admiral, Budget and Tesco come to mind.
What is the best price you have got so far? If you want you can give me a call and I will go over a quote for you, but we are not usually the best for young drivers. I will however give you a few tips to drive the cost down once I know your details.
Compare sites are great just be sure you read all the fine print and understand everything you answer. As they make assumptions. On average I cancel 15 policies a week and I would say 12 of them are internet ones that have been set up incorrectly. This only leads to loss of good money.
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 .
Hey. I went with quinn direct insurance when i was 17, it cost me £1700 fully comp on the Mini Cooper, they are really good. Im now 18 and have just brought the Cooper s, im with Admiral and it costs £1600. Also i would recromend going for the pass plus, this brings your insurance down a lot. Still the insurance costs are realy expensive for young drivers. Hope it helps
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