17 Year Old- Mini One 2002 - MINI Cooper Forum
Go Back   MINI Cooper Forum > All Models & Variants > Finance & Insurance


Finance & Insurance Use this forum to discuss financing and insuring your MINI

Mini2.com is the premier Mini Cooper Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Rate Thread
  #1 (permalink)  
Old Feb 18th, 2013, 07:46 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 12:16 PM
United Kingdom Female
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
Reply With Quote
Sponsored Links
Advertisement
 
  #2 (permalink)  
Old Feb 18th, 2013, 10:04 PM
mab01uk's Avatar
MINI2 Master
Online
 
Join Date: Nov 2006
Location: London
Posts: 5,415
Local Time: 12:16 PM
United Kingdom Male
Try Elephant insurance.
Cheap Online Car Insurance UK | Home Insurance Quotes | elephant.co.uk
Reply With Quote
  #3 (permalink)  
Old Feb 19th, 2013, 06:10 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 12:16 PM
United Kingdom Female
Thank you I'll try that now

I love my mini
Reply With Quote
  #4 (permalink)  
Old Feb 19th, 2013, 06:17 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 12:16 PM
United Kingdom Female
No luck actually, works out at 4000.

I love my mini
Reply With Quote
  #5 (permalink)  
Old Feb 19th, 2013, 10:59 PM
mab01uk's Avatar
MINI2 Master
Online
 
Join Date: Nov 2006
Location: London
Posts: 5,415
Local Time: 12:16 PM
United Kingdom Male
Can you add a parent on the policy as a named driver as this often helps, also increase the excess on policy to maximum.
Reply With Quote
  #6 (permalink)  
Old Feb 26th, 2013, 07:43 AM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 12:16 PM
United Kingdom Female
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
Reply With Quote
  #7 (permalink)  
Old Feb 26th, 2013, 11:39 AM
mab01uk's Avatar
MINI2 Master
Online
 
Join Date: Nov 2006
Location: London
Posts: 5,415
Local Time: 12:16 PM
United Kingdom Male
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.
Reply With Quote
  #8 (permalink)  
Old Feb 26th, 2013, 03:10 PM
MINI2 Newbie
Offline
 
Join Date: Feb 2013
Location: Newcastle upon Tyne
Posts: 22
Local Time: 12:16 PM
United Kingdom Female
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.
Reply With Quote
  #9 (permalink)  
Old Feb 27th, 2013, 01:00 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 12:16 PM
United Kingdom Female
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
Reply With Quote
  #10 (permalink)  
Old Mar 2nd, 2013, 04:33 AM
MINI2 Newbie
Offline
 
Join Date: Oct 2011
Posts: 11
Local Time: 12:16 PM
United Kingdom
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
Reply With Quote
  #11 (permalink)  
Old Mar 4th, 2013, 06:56 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 12:16 PM
United Kingdom Female
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!

I love my mini
Reply With Quote
  #12 (permalink)  
Old Mar 11th, 2013, 11:48 AM
MINI2 Newbie
Offline
 
Join Date: Jun 2012
Location: Ashford kent
Posts: 25
Local Time: 12:16 PM
United Kingdom Female
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!
Reply With Quote
  #13 (permalink)  
Old Mar 12th, 2013, 02:14 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 12:16 PM
United Kingdom Female
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
Reply With Quote
  #14 (permalink)  
Old Mar 17th, 2013, 04:30 PM
MINI2 Newbie
Offline
 
Join Date: Jun 2012
Location: Ashford kent
Posts: 25
Local Time: 12:16 PM
United Kingdom Female
Directline was cheap???
Reply With Quote
  #15 (permalink)  
Old Mar 17th, 2013, 06:49 PM
MINI2 Senior
Online
 
Join Date: Apr 2012
Location: Suffolk - UK
Posts: 382
Local Time: 12:16 PM
United Kingdom Male
Quote: Originally Posted by raaachelbx (original)
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.
Reply With Quote
Sponsored Links
Advertisement
 
Reply
Tags: , , , ,



Currently Active Users Viewing This Thread: 2 (0 members and 2 guests)
 
Thread Tools
Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

» Recent Threads
Mini Identification
Today 10:23 AM
Last post by marque
Today 11:11 AM
2 Replies, 15 Views
O2 sensors in exhaust
Apr 18th, 2014 06:03 PM
Last post by marque
Today 11:03 AM
3 Replies, 178 Views
Will this rear bike rack work on the Clubman?
Jun 6th, 2011 10:18 PM
Last post by tina
Today 07:40 AM
4 Replies, 4,009 Views
Mini Cooper S Rebuild
Apr 18th, 2014 07:49 AM
Last post by tina
Today 07:39 AM
1 Replies, 147 Views
R52 A pillar interior trim removal
Apr 18th, 2014 08:11 AM
Last post by tina
Today 07:39 AM
4 Replies, 179 Views
can anybody tell me what this is
Apr 15th, 2014 08:02 PM
by Jon g
Last post by tina
Today 07:38 AM
2 Replies, 248 Views
Trunk Handle Cover
Today 02:39 AM
by iamtony
Last post by tina
Today 07:37 AM
1 Replies, 65 Views
MINI of Burlington
Mar 30th, 2014 08:59 PM
Last post by tina
Today 07:37 AM
1 Replies, 279 Views
Just bought mini what extras do I need to tell insurance about
Mar 19th, 2014 03:51 PM
Last post by tina
Today 07:36 AM
8 Replies, 702 Views
Cup holder inserts
Apr 18th, 2014 06:23 PM
Last post by tina
Today 07:35 AM
5 Replies, 216 Views
Should i buy a Mini Cooper r50
Feb 14th, 2012 01:09 AM
by MENESS
Last post by Milpol
Today 12:58 AM
13 Replies, 7,939 Views
Replacement driver side door handle **new member**
Apr 14th, 2014 10:32 PM
Last post by The Nun
Yesterday 06:43 PM
3 Replies, 259 Views
Drivers Selt Belt PreTensionor / AirBag Fault Light
Yesterday 12:20 PM
Last post by da8addick
Yesterday 12:20 PM
0 Replies, 127 Views
Black rims for 195/55r16 run flats?
Mar 2nd, 2014 03:59 AM
Last post by habi222
Yesterday 12:18 PM
1 Replies, 374 Views
Tyre Sizes
Feb 17th, 2014 10:32 AM
by danb76
Last post by habi222
Yesterday 12:00 PM
3 Replies, 602 Views
Paint Code for Mini Steel Wheels
Mar 16th, 2014 03:59 PM
Last post by habi222
Yesterday 11:56 AM
6 Replies, 550 Views
Downgrading Rims
Mar 11th, 2014 09:52 AM
by Timbozy
Last post by habi222
Yesterday 11:51 AM
6 Replies, 522 Views
Adding multiple 12v power sockets / cigarette lighters and USB
Yesterday 11:47 AM
Last post by zero_cool
Yesterday 11:47 AM
0 Replies, 394 Views
Does your Mini have a name?
Mar 25th, 2014 10:00 PM
Last post by Captain5691
Yesterday 11:39 AM
20 Replies, 1,196 Views
Help, is this a cooper S??
Apr 18th, 2014 09:29 PM
by markdm
Last post by markdm
Yesterday 01:29 AM
6 Replies, 260 Views
» Premium
» Auto Insurance
Wheel & Tire Center

Powered by vBadvanced CMPS v3.2.1

All times are GMT. The time now is 11:16 AM.



Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.3.2