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Old Oct 28th, 2002, 06:42 AM   #1
Gee4orce
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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 ?
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Old Oct 28th, 2002, 07:08 AM   #2 (permalink)
NickG
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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.
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Old Oct 28th, 2002, 07:08 AM   #3 (permalink)
tc
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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
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Old Oct 28th, 2002, 07:26 AM   #4 (permalink)
Martin L
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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
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Old Oct 28th, 2002, 11:54 AM   #5 (permalink)
The Helmet
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Age 27
NCD 5 Years
Parked on driveway
Full comp with protected NCD
2 Named driver

Elephant .co.uk £550

Regards

Andy
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Old Oct 28th, 2002, 01:57 PM   #6 (permalink)
dietbruking
 
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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.
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Old Oct 28th, 2002, 04:11 PM   #7 (permalink)
Bad Manners
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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)
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Old Oct 29th, 2002, 02:46 AM   #8 (permalink)
jec
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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.
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Old Oct 29th, 2002, 03:01 AM   #9 (permalink)
Gee4orce
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Thanks for the tips guys - so far I've got £680 from elephant, which is a big improvement !
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Old Oct 29th, 2002, 04:06 AM   #10 (permalink)
davep
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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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Old Oct 29th, 2002, 06:32 AM   #11 (permalink)
Gee4orce
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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 ?
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Old Oct 29th, 2002, 07:19 AM   #12 (permalink)
diverse
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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!).
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Old Oct 29th, 2002, 08:42 AM   #13 (permalink)
podger
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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
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Old Oct 29th, 2002, 08:48 AM   #14 (permalink)
Simon Jackson
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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!
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Old Oct 29th, 2002, 12:31 PM   #15 (permalink)
DaveH
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£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
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Old Oct 29th, 2002, 01:08 PM   #16 (permalink)
Vix
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£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!
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Old Oct 29th, 2002, 01:20 PM   #17 (permalink)
Pav
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£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+

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Old Oct 29th, 2002, 02:43 PM   #18 (permalink)
KLF
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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
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Old Oct 30th, 2002, 05:19 PM   #19 (permalink)
pjmedlam
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Ours is £410 with direct line, but we are ancient...*grin*.
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Old Nov 5th, 2002, 04:28 AM   #20 (permalink)
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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!

--------------------------------------------

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Replaced by BMW 02/04, delivered 04/04
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