They were cheaper than all the others, they allow modifications to the car without ripping you off and they are familiar with dealing with customer enquiries about modifications. So thankfully you don't have to speak to the sort of brain-dead morons many of the big insurance brokers seem to employ.
When asking for an insurance quotation you should mention you are a registered member of Mini2.com or MiniTorque.com, as that can earn a small reduction in the premium.
I have just got a quote on the MCS im buying - 04 plate.
I was on my mum's policy for a year on admiral a couple of years back (since then - direct line - but they won't touch me!)
Admiral gave me a years no claims and its £1200 from the DAY (and I mean the DAY I turn 21). Being 20 and 364 days means the policy would be £2200! I thought it'd be on a sliding scale - but obviously not!
Also had the Dillemma.. £1400 and DONT insure the missus or £1200 with her on. Not sure if that was a great idea... "ooppsss that was the kerb... ooops that was a road cone"! Soon will be £200 spent on repairs? :-P
hello guys, just thought i'd add my 2p
i've just got a quote through from bell for £1042.77 for my policy a 19yr old male, with my dad and sister on the policy!
am halfway through a policy on my fiesta st with admiral (same company as bell) the fiesta is up for sale so i can buy an r53, so hopefully i will be paying less than on my fiesta st for the last sixth months!
Have you tried the compare the market / confused.com, that is prob the best place to see who will cover you, but you may find that anyone who will take you on will want a really high premium.
I am with Aviva but they will not to touch you youngest daughter as a named driver on it as she is under 21. I did get the 7 days free drive away insurance through the dealer and they were happy to add her on for that but they did want £3600 for the year with her as a named driver.
Im currently insuring my girlfriends 2003 Cooper S as she got it half way through a policy and even tho she is 42 and had a license for 24 years, no points and no accidents LV wouldnt insure her as she only has 2 years no claims in her own name! Stupid thing is she can insure my RX8 which is more powerful and RWD.
I am currently paying 880 to Adrian Flux with 7 years no claims at 32 with no points or accidents ever, that to me seems really expensive especially when shes just been quoted 660 for the MCS when she renews in her name in mid june. Stupid thing is the cheapest quote she got was LV again who wouldnt insure her this year.
I looked at my insurance as when my girlfriend insures the mini i want to change to an M3 and they only want a £40 premium to change from the mini to the M3 so it highlights to me that some insurance companies look on the MCS very badly, far more expensive than its group suggests!
Go with Admiral and put as many old people as named drivers as you can, if you can multicar it then even better , also for some reason i've always found that saying your car is parked on the road and not on your driveway brings it down abit more
Not strictly true... I've found that adding a 4th driver (regardless of who it is) puts the policy up, rather than reducing it as 2nd and 3rd drivers often do, and obviously if you add someone who is more of a risk than yourself, that isn't going to help either.
I've also just switched from "parked on road" to "parked on driveway" and it has saved me about £50/year, although bizarrely adding "parked in garage" would save me nothing (I checked out of curiosity ).
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