17 Year Old- Mini One 2002 - MINI Cooper Forum

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post #1 of 17 (permalink) Old Feb 18th, 2013, 07:46 PM Thread Starter
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17 Year Old- Mini One 2002

Hi All,

Recently turned 17 and bought myself a 2002 mini one, I absolutely love it and I've been insured provisionally through a monthly group.

Can anyone suggest some cheap insurers that I can ring round to get some quotes for a full license?

Cheers!

I love my mini
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post #2 of 17 (permalink) Old Feb 18th, 2013, 10:04 PM
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Try Elephant insurance.
Cheap Online Car Insurance UK | Home Insurance Quotes | elephant.co.uk
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post #3 of 17 (permalink) Old Feb 19th, 2013, 06:10 PM Thread Starter
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Thank you I'll try that now

I love my mini
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post #4 of 17 (permalink) Old Feb 19th, 2013, 06:17 PM Thread Starter
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No luck actually, works out at 4000.

I love my mini
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post #5 of 17 (permalink) Old Feb 19th, 2013, 10:59 PM
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Can you add a parent on the policy as a named driver as this often helps, also increase the excess on policy to maximum.
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post #6 of 17 (permalink) Old Feb 26th, 2013, 07:43 AM Thread Starter
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Yeah I've done all that, put my parents on. Increased my excess to 500-1000, and said that my car's left on the drive overnight and pass plus! still 4000.

Insurance is driving me crazy!

I love my mini
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post #7 of 17 (permalink) Old Feb 26th, 2013, 11:39 AM
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Are you going by online computer generated quotes or speaking to real people......quotes often work out much less when you phone the same insurers or brokers direct.

Last edited by mab01uk; Feb 26th, 2013 at 06:20 PM.
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post #8 of 17 (permalink) Old Feb 26th, 2013, 03:10 PM
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my driving instructor told me to get quote before buying car for this very reason. I've just turned 18 but when I was 17 I payed rediculous amounts for mine (unfortunately its a part of your motoring life). It is such a bummer though. It depends alot on the area you live in too. I would still suggest getting your parents to play the main driver as this works out a little cheaper.
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post #9 of 17 (permalink) Old Feb 27th, 2013, 01:00 PM Thread Starter
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Thanks for your help, going to ring round some brokers today and see what they say! I did quotes before I bought the car, came at like 2300, now I just can't seem to get the same quotes. I'll keep trying though.

I love my mini
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post #10 of 17 (permalink) Old Mar 2nd, 2013, 04:33 AM
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Hi I had all this with my duaughter who had turned 18 and I bought her a mini one auto. She passed with a full auto licence so gets charged 200 extra for not having a full manual licence. Insurance was 3k for the first year. With a years no claims her quote is coming in now at 1.5k so dont lose heart but it is a joke. The reason for your price going up is that as from last December and EU laws girls have to pay same as boys even though history proves that boys are a higher risk. We have just done the same search for a girl who has just passed, VW Polo 1.2e group 2 and it comes out at 2,5k. The Mini is a higher group car. You need to search all the search companies because they all vary depending on car, confused, gocompare and moneysupermarket is good. We ended up with confused, Admiral with a multi car policy so all cars are discounted and in my daughters name with both parents as named drivers,put mileage down to a minimum, be clear and honest about where it is kept at night, whether you are commuting and what your job is, your excess can be increased but remember if you have an accident you will have to find that money until they resolve who was at fault and your postcode affects it. If you have more drivers on policy it reduces the risk and amount of time you may possibly be driving the car. Also they collate and share info with cookies so soon as you start changing details like saying the car is your dads, mums they know it and it will not reduce your quotes, so best to suffer the 1st year with you as the policy holder, get some no claims, drive carefully and it will come down a lot the second year. Sorry I have gone on a bit but I am an expert in this field and have a happy daughter who has a pink Mini that I bought her and she still loves it a year on, if you need any more help let me know, Andy.

Last edited by andy1acars; Mar 2nd, 2013 at 04:36 AM. Reason: spelling
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post #11 of 17 (permalink) Old Mar 4th, 2013, 06:56 PM Thread Starter
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Thank you so much, and don't apologise for going on! I'm just going to have lend this from the bank of mum and then pay her back over time! but thank you, I'll look at all the places you recommended! Glad she enjoy's her pink mini!

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post #12 of 17 (permalink) Old Mar 11th, 2013, 11:48 AM
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Hiya I no minis are Wikid but maybe u should have done insurance quotes before buying the mini?? then waited till u had a years no claim then brought one ? My first car was a 1987 mk2 fiesta and worked out a 1000 now ive been driving for 3 years but only have 1 year no claim i brought a 2002 mini one its first year was 1200 but as i have a years no claim now its just under 600 the year however i am 22 this year just dont loose heart insurance is a joke!
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post #13 of 17 (permalink) Old Mar 12th, 2013, 02:14 PM Thread Starter
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I did do quotes before I bought the mini, and they were 1600-2500, just can't seem to find that now. Thanks for your help anyway! Found one that's really good, AdrianFlux

I love my mini
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post #14 of 17 (permalink) Old Mar 17th, 2013, 04:30 PM
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Directline was cheap???
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post #15 of 17 (permalink) Old Mar 17th, 2013, 06:49 PM
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Quote:
Originally Posted by raaachelbx View Post
my driving instructor told me to get quote before buying car for this very reason. I've just turned 18 but when I was 17 I payed rediculous amounts for mine (unfortunately its a part of your motoring life). It is such a bummer though. It depends alot on the area you live in too. I would still suggest getting your parents to play the main driver as this works out a little cheaper.
Don't do this. It is called fronting and you will more than likely find that a insurance company will suss you out as soon as you try and apply, they are very clever in noting a pattern when people apply. If they do, they will charge you for it and not only that they will have you down as being dishonest.

If you do get away with it and have an accident and they find out you could find you are left with no insurance.

Bite the bullet and start off with your own insurance. My girls did that on cheap old cars for a couple of years and then when they had built up a bit of no claims bonus went for the more expensive car.
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