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.