Cooper S Insurance 19 Years Old - Page 2 - MINI Cooper Forum

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post #16 of 36 (permalink) Old Mar 1st, 2011, 08:14 PM
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United-Kingdom Adrian Flux

Adrian Flux is the company I am using now: Classic Car Insurance & Specialist Car Insurance | Adrian Flux

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.
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post #17 of 36 (permalink) Old Mar 15th, 2011, 11:53 PM
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Arrow 20 Year old.

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
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post #18 of 36 (permalink) Old Mar 17th, 2011, 02:09 AM
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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!
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post #19 of 36 (permalink) Old May 20th, 2012, 07:07 PM
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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.

Good luck, let us know how you get on.
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post #20 of 36 (permalink) Old May 21st, 2012, 11:03 AM
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The biggest gulp in this thread??? The amount of 19 year olds buying a brand new Cooper S and then asking for advice on cheap insurance?!

Buy a cheaper car! Lolz. Fair play to you all for being able to afford it, I'm clearly just jealous!
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post #21 of 36 (permalink) Old May 21st, 2012, 11:10 AM
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Must admit I got my girls to get Cheap & Cheerfull cars to start with and then rack up a couple of years bonus and then go onto the nicer cars so the insurance is not so much a shock.

But then again they are Girlies and dont suffer the huge premiums that boys dom well for the time being anyway.
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post #22 of 36 (permalink) Old May 21st, 2012, 12:07 PM
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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!
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post #23 of 36 (permalink) Old May 21st, 2012, 03:17 PM
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Quote:
Originally Posted by Sanjaaay View Post
Hi, im 19, passed my test at the start of the month, picking my cooper D up next week, but no one will give me quotes! Am i buggered? Anyone in a similar situation, having a cooper of some kind for their first car?
Cant you get a years free insurance at the moment on a brand new Cooper D?
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post #24 of 36 (permalink) Old May 21st, 2012, 03:20 PM
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Hi,

Does anyone know of any good/cheap insurance companies for the type of car and age? Ive heard adding a lady named driver helps?
Would appreciate any help.

Thanks,
Rhys.
Can I see lots of blokes turning transvestite here
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post #25 of 36 (permalink) Old May 21st, 2012, 06:21 PM
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Originally Posted by The Nun View Post
Can I see lots of blokes turning transvestite here
Not for much longer, from 21 December 2012 gender is not allowed to be used for rating car insurance, so with a fair wind us boys may get a better deal at the expense of the girlies.
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post #26 of 36 (permalink) Old May 22nd, 2012, 09:56 AM
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Got an '07 MCS with Admiral, I'm 19 paying £1300 which by the sounds of things sounds quite good in comparison..I thought it's still far to expensive! 2 yrs NCB
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post #27 of 36 (permalink) Old May 22nd, 2012, 06:48 PM
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Not for much longer, from 21 December 2012 gender is not allowed to be used for rating car insurance, so with a fair wind us boys may get a better deal at the expense of the girlies.
Thats quite interesting then, so Im thinking there will no longer be a need to enter Mr, Mrs, Miss, M, F or AC/DC on any insurance forms from then on then?
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post #28 of 36 (permalink) Old Jul 29th, 2012, 04:04 PM
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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
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post #29 of 36 (permalink) Old Jul 29th, 2012, 08:29 PM
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With how much the costs are going up it might be worth considering going transvestite then
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post #30 of 36 (permalink) Old Jul 30th, 2012, 07:54 AM
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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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