MINI2

Gee4orce · Oct 28th, 2002, 06:42 AM

I'm sure this has been covered before, but the search doesn't seem to be working properly, so....

What kind of insurance premiums are you guys paying ? I've just done my first enquiries online and I'm pretty shocked to find that I was quoted over £1200 ! I don't think I'm an unusual risk - 32, 3 years no claims, 3 points for speeding, SDP fully-comp cover, 1 named driver, low-crime area, private driveway parking.

What companies are best to try ?

NickG · Oct 28th, 2002, 07:08 AM

I'm 27, with no points, but an accident 34 months ago, otherwise the same, and my quotes have been in the region of £650 from mini insurance, elephant etc.

tc · Oct 28th, 2002, 07:08 AM

My best was with Direct line £920 4 years no claims, 25 years old, etc....

TC.

Martin L · Oct 28th, 2002, 07:26 AM

That's too expensive.
I'm 33, 3 points for speeding, Max NCD and only paying £650, and I live in London

I'm using BMW/MINI insurance as they gave me the best quote

The Helmet · Oct 28th, 2002, 11:54 AM

Age 27
NCD 5 Years
Parked on driveway
Full comp with protected NCD
2 Named driver

Elephant .co.uk £550

Regards

Andy

Oct 28th, 2002, 01:57 PM

I've got a quote around about £600 for my forthcoming MCS. 31, driveway in Scotland, no accidents for years and 3 years NCD. Staff insurance scheme, but I'm also going to give Adrian Flux a try (previously used them, lot of hassle - but mucho competitive rates!

). They specialise in modded or performance vehicles...

www.adrianflux.co.uk/

DBK.

Bad Manners · Oct 28th, 2002, 04:11 PM

32years, 7 points, park off road, a claim this year but still 6years NCD = £530 with Hastings Direct for Cooper

Oh yeah - and a good excess too.

I know the Cooper S will be mor. My last car was group 15, so I've been there before (gulp)

jec · Oct 29th, 2002, 02:46 AM

I came out of a company car 2 years ago, so had no no - claims history apart from a letter from my previous employer to say I had been claim free for 8 years. If my car had turned up in November like originally stated when I ordered back in Feb I would of been stuffed. Luckly my car was made at the end of Aug and I got it on the 1st Sep so the letter was only just valid.

It took me two days and found that some insurers would take it and others would not.

The quotes for a 32, single male, living with partner, fully comp, class 1 businnes use, 15,000 miles per year and one other named driver ranged from £1800 to £412.

Bell Direct 0880 140 180 - seem to be very professional.

I don't know what others think but car insurance here is a mine field - there is no level playing ground. You have to ring around because certain companies at certain times will be going for market share of age group, gender and area where you live. You will also be disciminated against because of your status which at times I think is very unfair.

Gee4orce · Oct 29th, 2002, 03:01 AM

Thanks for the tips guys - so far I've got £680 from elephant, which is a big improvement !

davep · Oct 29th, 2002, 04:06 AM

I have tried a couple of online quote engines, and have noticed that if I put my wife on as named driver, my premium reduces...
Wow - cooking, cleaning, ironing and now cheaper car insurance... what a top wife !!

Gee4orce · Oct 29th, 2002, 06:32 AM

Quote:

Originally posted by davep
I have tried a couple of online quote engines, and have noticed that if I put my wife on as named driver, my premium reduces...
Wow - cooking, cleaning, ironing and now cheaper car insurance... what a top wife !!

Can I borrow her ?

diverse · Oct 29th, 2002, 07:19 AM

we use bluesure (www.bluesure.com) £84 per month (WAIT!!!) with, unlimited Househould Contents, unlimited buildings insurance, travel insurance and Fully Comp on a Cooper S! Was £20 a month less with Cooper!(£250 Volantary Excess!).

podger · Oct 29th, 2002, 08:42 AM

I'm paying £480 fully comp.....but I have the advantage of maturity

and a rural home base !

Simon Jackson · Oct 29th, 2002, 08:48 AM

Mine, £630, Fully comp plus 3rd party on any vehicle, 24 yrs old, with Adrian Flux. Found being a member of the BMW Drivers owners club a being a help, I had a BMW before the S and rang for a quote!

DaveH · Oct 29th, 2002, 12:31 PM

£460 6points(speeding) 36yrs old, 7 yrs no claims £150 excess......Sainsburys

Halifax building soc. £500

Vix · Oct 29th, 2002, 01:08 PM

£1,095 (the worst quote I got was £3,670!):

3pts SP50 02/01, 0 no-claims, 26yr old driver only, kept outside, value £18.5K

I guess I must live in a high-risk area...

Pav · Oct 29th, 2002, 01:20 PM

£850 via Lifesure - tel: 01480 474 604 - 30yrs old, 4 yrs no claims, 3 points, street parking in south london... total value £17k.

all others, includgin mini insurance came in £900+

KLF · Oct 29th, 2002, 02:43 PM

I found MINI insurance was cheapest for me at £980 (23 years old full NCB), my previous insurance company Adrian Flux wanted £1800!! so I told them where to stick that.

pjmedlam · Oct 30th, 2002, 05:19 PM

Ours is £410 with direct line, but we are ancient...*grin*.

Cooperesque · Nov 5th, 2002, 04:28 AM

I'm with Esure which was around £530 with max NCD, 32yrs old, living in central London and parked on the street. But I chose to protect my bonus which loaded the premium up by another £80. Here's a tip. If you have a parent who drives and has an accident free record, put them down as a named driver. My father is retired has his own car and adding him in actually lowered my premium!

Oct 28th, 2002, 06:42 AM	#1
Gee4orce MINI2 Regular Join Date: Aug 2002 Location: UK Local Time: 03:17 AM Posts: 106 Offline	Cooper S Insurance I'm sure this has been covered before, but the search doesn't seem to be working properly, so.... What kind of insurance premiums are you guys paying ? I've just done my first enquiries online and I'm pretty shocked to find that I was quoted over £1200 ! I don't think I'm an unusual risk - 32, 3 years no claims, 3 points for speeding, SDP fully-comp cover, 1 named driver, low-crime area, private driveway parking. What companies are best to try ?

Oct 28th, 2002, 07:08 AM	#3 (permalink)
tc MINI2 Regular Join Date: Jul 2001 Location: Worsley, Manchester Local Time: 03:17 AM Posts: 256 Offline	My best was with Direct line £920 4 years no claims, 25 years old, etc.... TC. DS/W 'S', Chilli, Sony CDX M630 Head unit

Oct 28th, 2002, 07:26 AM	#4 (permalink)
Martin L MINI defector Join Date: Mar 2002 Location: Harefield Local Time: 04:17 AM Posts: 13,590 Offline	That's too expensive. I'm 33, 3 points for speeding, Max NCD and only paying £650, and I live in London I'm using BMW/MINI insurance as they gave me the best quote MINI, RX8 and MX5 - Done those............. It's now TTime Unofficial MINI2.com bean counter

Oct 28th, 2002, 04:11 PM	#7 (permalink)
Bad Manners MINI2 prodigal son Join Date: Sep 2001 Location: Surrey, UK Local Time: 04:17 AM Posts: 2,692 Offline	32years, 7 points, park off road, a claim this year but still 6years NCD = £530 with Hastings Direct for Cooper Oh yeah - and a good excess too. I know the Cooper S will be mor. My last car was group 15, so I've been there before (gulp) http://www.terminalbraindrain.com/mini2/banner.gif

Oct 29th, 2002, 04:06 AM	#10 (permalink)
davep MINI2 Regular My Classifieds Join Date: Mar 2002 Location: Wokingham Local Time: 03:17 AM Posts: 140 Offline	Helpful Wife I have tried a couple of online quote engines, and have noticed that if I put my wife on as named driver, my premium reduces... Wow - cooking, cleaning, ironing and now cheaper car insurance... what a top wife !!

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Oct 28th, 2002, 07:08 AM	#2 (permalink)
NickG MINI2 Regular Join Date: Jun 2002 Location: SW England Local Time: 04:17 AM Posts: 305 Offline	I'm 27, with no points, but an accident 34 months ago, otherwise the same, and my quotes have been in the region of £650 from mini insurance, elephant etc.

Oct 28th, 2002, 11:54 AM	#5 (permalink)
The Helmet MINI2 Regular Join Date: Oct 2002 Location: Tamworth, West Midla Local Time: 03:17 AM Posts: 52 Offline	Age 27 NCD 5 Years Parked on driveway Full comp with protected NCD 2 Named driver Elephant .co.uk £550 Regards Andy

Oct 28th, 2002, 01:57 PM	#6 (permalink)
dietbruking Posts: n/a	I've got a quote around about £600 for my forthcoming MCS. 31, driveway in Scotland, no accidents for years and 3 years NCD. Staff insurance scheme, but I'm also going to give Adrian Flux a try (previously used them, lot of hassle - but mucho competitive rates! ). They specialise in modded or performance vehicles... www.adrianflux.co.uk/ DBK.

Oct 29th, 2002, 02:46 AM	#8 (permalink)
jec MINI2 Newbie Join Date: Oct 2002 Local Time: 04:17 AM Posts: 4 Offline	I came out of a company car 2 years ago, so had no no - claims history apart from a letter from my previous employer to say I had been claim free for 8 years. If my car had turned up in November like originally stated when I ordered back in Feb I would of been stuffed. Luckly my car was made at the end of Aug and I got it on the 1st Sep so the letter was only just valid. It took me two days and found that some insurers would take it and others would not. The quotes for a 32, single male, living with partner, fully comp, class 1 businnes use, 15,000 miles per year and one other named driver ranged from £1800 to £412. Bell Direct 0880 140 180 - seem to be very professional. I don't know what others think but car insurance here is a mine field - there is no level playing ground. You have to ring around because certain companies at certain times will be going for market share of age group, gender and area where you live. You will also be disciminated against because of your status which at times I think is very unfair.

Oct 29th, 2002, 03:01 AM	#9 (permalink)
Gee4orce MINI2 Regular Join Date: Aug 2002 Location: UK Local Time: 03:17 AM Posts: 106 Offline	Thanks for the tips guys - so far I've got £680 from elephant, which is a big improvement !

Oct 29th, 2002, 06:32 AM	#11 (permalink)
Gee4orce MINI2 Regular Join Date: Aug 2002 Location: UK Local Time: 03:17 AM Posts: 106 Offline	Re: Helpful Wife Quote: Originally posted by davep I have tried a couple of online quote engines, and have noticed that if I put my wife on as named driver, my premium reduces... Wow - cooking, cleaning, ironing and now cheaper car insurance... what a top wife !! Can I borrow her ?

Oct 29th, 2002, 07:19 AM	#12 (permalink)
diverse MINI2 Senior Join Date: Apr 2002 Location: Surrey Local Time: 04:17 AM Posts: 423 Offline	we use bluesure (www.bluesure.com) £84 per month (WAIT!!!) with, unlimited Househould Contents, unlimited buildings insurance, travel insurance and Fully Comp on a Cooper S! Was £20 a month less with Cooper!(£250 Volantary Excess!).

Oct 29th, 2002, 08:42 AM	#13 (permalink)
podger MINI2 Regular Join Date: Oct 2002 Location: There , over there, Local Time: 03:17 AM Posts: 98 Offline	Cheap I'm paying £480 fully comp.....but I have the advantage of maturity and a rural home base ! Cooper S,200Bhp+ Graham Goode Racing/Superchip Conversion, MagnaFlow Exhaust,British Racing Green,White Roof,Chilli Pack ,Gravity Full Leather, 17" S Spoke Alloys,Multi-Function Strg Wheel,Elec. Pan. Glass Roof,Heated Seats,Park Ctrl,Auto Air,SatNav,Radio Boost,Cd Changer,Bonnet Stripes by Action Graphics Ltd..... Other Toys:Suzuki GSX1300R Hayabusa FullRace 4.7 litre(TVR)375Bhp Morgan +8

Oct 29th, 2002, 08:48 AM	#14 (permalink)
Simon Jackson MINI2 Senior Join Date: Oct 2001 Location: uk Local Time: 04:17 AM Posts: 450 Offline	Mine Mine, £630, Fully comp plus 3rd party on any vehicle, 24 yrs old, with Adrian Flux. Found being a member of the BMW Drivers owners club a being a help, I had a BMW before the S and rang for a quote!

Oct 29th, 2002, 12:31 PM	#15 (permalink)
DaveH MINI2 Regular Join Date: Aug 2002 Location: Geordieland Local Time: 03:17 AM Posts: 248 Offline	£460 6points(speeding) 36yrs old, 7 yrs no claims £150 excess......Sainsburys Halifax building soc. £500 DS/Blk;Auto Air; Sunroof; S Spokes; Full Leather;heated washer jets,mirrors and seats,Boost, CD and Changer,DSC,MFSW,Chili Pack,Rally lights Delivery Date: Jan 2003(now Nov 2002)

Oct 29th, 2002, 01:08 PM	#16 (permalink)
Vix MINI2 Regular Join Date: Sep 2002 Location: Walton-on-Thames, Surrey Local Time: 03:17 AM Posts: 58 Offline	£1,095 (the worst quote I got was £3,670!): 3pts SP50 02/01, 0 no-claims, 26yr old driver only, kept outside, value £18.5K I guess I must live in a high-risk area... Got it and I LOVE IT!

Oct 29th, 2002, 01:20 PM	#17 (permalink)
Pav MINI2 Regular Join Date: Jun 2002 Location: South London Local Time: 03:17 AM Posts: 260 Offline	£850 via Lifesure - tel: 01480 474 604 - 30yrs old, 4 yrs no claims, 3 points, street parking in south london... total value £17k. all others, includgin mini insurance came in £900+ Pav's Gallery DS+DS S 1990 Cooper (RSP)

Oct 29th, 2002, 02:43 PM	#18 (permalink)
KLF Hmm....silly name now Join Date: Oct 2002 Location: Durham Local Time: 04:17 AM Posts: 347 Offline	I found MINI insurance was cheapest for me at £980 (23 years old full NCB), my previous insurance company Adrian Flux wanted £1800!! so I told them where to stick that. (51) Renaultsport Clio 172 ! - I know I know ........ It was cheap alright

Oct 30th, 2002, 05:19 PM	#19 (permalink)
pjmedlam MINI2 Regular Join Date: Mar 2002 Location: Preston, UK Local Time: 03:17 AM Posts: 81 Offline	Ours is £410 with direct line, but we are ancient...grin.

Nov 5th, 2002, 04:28 AM	#20 (permalink)
Cooperesque MINI2 Regular Join Date: Sep 2002 Location: London Local Time: 03:17 AM Posts: 72 Offline	I'm with Esure which was around £530 with max NCD, 32yrs old, living in central London and parked on the street. But I chose to protect my bonus which loaded the premium up by another £80. Here's a tip. If you have a parent who drives and has an accident free record, put them down as a named driver. My father is retired has his own car and adding him in actually lowered my premium! -------------------------------------------- MCS in EB/B, Chilli, Auto A/C, MD and CD changer. Ordered 02/02, finally delivered 09/02 MCS in IB/W, Chilli, Auto A/C, MD and CD changer. Replaced by BMW 02/04, delivered 04/04

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