How much do you pay in insurance? - MINI Cooper Forum

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post #1 of 90 (permalink) Old Jul 24th, 2010, 04:01 PM Thread Starter
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How much do you pay in insurance?

Hoping to get a 2005 Cooper S next month,around 8k. I still currently live abroad and not in the uk for a few weeks so unable to ring around. Im 37 and havent had car insurance for 4 years so I dont think my no claims bonus stands anymore. I have tried to use Go compare but the cheapest on that is over 2,000 per year fully comp. I heard that certain companies that dont advertise on these sites are generally cheaper.

Any advice on insurance companies or how much you pay roughly in insurance per year.
Another thing I heard is that for every increased insurance group number you add 30 per number until group 15 which is what the S is. I used to own a Mini One in Spain and pay 400 which I think is a group 5.

Surely a realistic figure of 700 is what I want to be looking at for insurance otherwise I may need to buy the One or the Cooper.

Thoughts?
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post #2 of 90 (permalink) Old Jul 24th, 2010, 04:27 PM
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1416 for my One conv, but i am 19. I hear alot of people get insured with Adrian flux and they do some good deals so id check them out.
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post #3 of 90 (permalink) Old Jul 24th, 2010, 04:44 PM
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I paid 707 with Admiral and I'm 26 (with only 2 years NCB). I know what you're on about though, I went back to uni at 22, got rid of my car and lost the NCB I'd built up since I was 19.

2,000 sounds a little much though...try confused.com, I got cheaper prices from them than gocompare, and that gocompare bloke irritates the hell out of me!

Good luck searching : )
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post #4 of 90 (permalink) Old Jul 24th, 2010, 07:54 PM
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Hi, I think 2000 is way too steep. I have had a motability car for the past 3 years but decided this time to go back to buying my own car. I went with MINI insurace as they gave me a great deal. They have honoured my 3yrs NCB with motability and if I stay claim free for a year they will bump it up 7yrs automatically. I have a 2007 Cooper and I pay 245 fully comp. I'm 38 years old.
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post #5 of 90 (permalink) Old Aug 4th, 2010, 08:33 PM
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19 , 2yrs Bonus , 2008 Cooper S , JCW Tuning kit , Comp , Worth 14.5k

1200 [Super Cheap as I work there :P ]

With HIC
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post #6 of 90 (permalink) Old Aug 5th, 2010, 11:40 PM
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Glad I don't live in the UK... Here in Australia, I pay $1300 a year, fully comprehensive, and I'm only 20 on an unmodified (but highly specced) Cooper S! And i'm still a rating 3! That works out to what? 600 pounds-ish
Feel sorry for ya!

7 years in the making...
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post #7 of 90 (permalink) Old Aug 26th, 2010, 03:37 PM
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I paid $1500 CDN (about 900 quid) for insurance here on a brand new cooper. $0 deductable if your not at fault. And people here complain they pay too much.
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post #8 of 90 (permalink) Old Oct 17th, 2010, 10:26 AM
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How on earth do you get cheap car insurance? Companies are qouting 4k and 5k for 2007 mini cooper worth 8.8k. I know i am only 23 years old with 1 year driving license and 1 year named driver no claim bonus. But 5-6k is way too much for a car thats worth 9k. Does it get cheaper after a few years or should i move to a different country?
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post #9 of 90 (permalink) Old Oct 17th, 2010, 11:03 AM
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Iv just bought myself a cooper s 04 plate for 8k. im 20 have no claims or points, but no no claims bonus as i have been a named driver for 3 years. i added my Mum and Grandad as named drivers which brought it down??
im with admiral and i pay 1250 a year. but everyone els i tried were quoting me 2500 or more so shop around.

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post #10 of 90 (permalink) Old Oct 17th, 2010, 01:35 PM
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37 with 20 years ncb. 2009 cooper S pay 450 a year
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post #11 of 90 (permalink) Old Oct 17th, 2010, 03:50 PM
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35 year old female with new mini one d, 7 years ncd, protected. 318 per year, with one other named driver. Also insured for business use.
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post #12 of 90 (permalink) Old Oct 21st, 2010, 04:12 PM
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I think that sounds far too much!! I'm 23 with 3 years NCB insured for business use and doing approx 13,000 miles/year and paid annual premium of 593.72. Shop around some more as there are plenty more websites you can compare prices. I use confused.com as they seem to cover most companies and have always offered me the best prices.
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post #13 of 90 (permalink) Old Oct 21st, 2010, 07:42 PM
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well older than you lot ! Can get 07 Cooper S Insurance from 230 with Direct Line ( not even going to mention Saga , who give me cup of tea if I break down ) with 9 points on licence but pay 400 on Admiral Multi Car so I can get my sons' Corsa insured ( he's 18 ) for 1200 instead of 2500 if he insured it himself !
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post #14 of 90 (permalink) Old Nov 23rd, 2011, 10:31 PM
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Im 19 and paying 1300 per year with a 2007 MCS - With 2 years NCB - Quite happy with that considering my age!
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post #15 of 90 (permalink) Old Nov 24th, 2011, 01:42 PM
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370 euros per year..Can't go any lower than this
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