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, 08:46 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 11:03 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, 11:04 PM
mab01uk's Avatar
MINI2 Master
Offline
 
Join Date: Nov 2006
Location: London
Posts: 5,777
Local Time: 10:03 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, 07:10 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 11:03 PM
United Kingdom Female
Thank you I'll try that now

I love my mini
Reply With Quote
  #4 (permalink)  
Old Feb 19th, 2013, 07:17 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 11:03 PM
United Kingdom Female
No luck actually, works out at 4000.

I love my mini
Reply With Quote
  #5 (permalink)  
Old Feb 19th, 2013, 11:59 PM
mab01uk's Avatar
MINI2 Master
Offline
 
Join Date: Nov 2006
Location: London
Posts: 5,777
Local Time: 10:03 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, 08:43 AM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 11:03 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, 12:39 PM
mab01uk's Avatar
MINI2 Master
Offline
 
Join Date: Nov 2006
Location: London
Posts: 5,777
Local Time: 10:03 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 07:20 PM.
Reply With Quote
  #8 (permalink)  
Old Feb 26th, 2013, 04:10 PM
MINI2 Newbie
Offline
 
Join Date: Feb 2013
Location: Newcastle upon Tyne
Posts: 22
Local Time: 11:03 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, 02:00 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 11:03 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, 05:33 AM
MINI2 Newbie
Offline
 
Join Date: Oct 2011
Posts: 11
Local Time: 11:03 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 05:36 AM. Reason: spelling
Reply With Quote
  #11 (permalink)  
Old Mar 4th, 2013, 07:56 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 11:03 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, 12:48 PM
MINI2 Newbie
Offline
 
Join Date: Jun 2012
Location: Ashford kent
Posts: 25
Local Time: 11:03 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, 03:14 PM
JWalker18
Offline
 
Join Date: Feb 2013
Location: UK
Posts: 7
Local Time: 11:03 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, 05:30 PM
MINI2 Newbie
Offline
 
Join Date: Jun 2012
Location: Ashford kent
Posts: 25
Local Time: 11:03 PM
United Kingdom Female
Directline was cheap???
Reply With Quote
  #15 (permalink)  
Old Mar 17th, 2013, 07:49 PM
MINI2 Senior
Offline
 
Join Date: Apr 2012
Location: Suffolk - UK
Posts: 467
Local Time: 10:03 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: 1 (0 members and 1 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
2005 mini base starting issues
Yesterday 09:12 PM
Last post by SeanC
Today 08:32 PM
1 Replies, 195 Views
How To Fix Seat Tilt/Slide Mechanism
Oct 24th, 2011 10:13 PM
by MGFmad
Last post by Cleisthenes
Today 05:59 PM
3 Replies, 18,225 Views
Looking for cars for online magazine
Today 05:41 PM
Last post by DavidBlack
Today 05:41 PM
0 Replies, 73 Views
Anyone know what this knob does?
Dec 20th, 2014 12:19 PM
Last post by Dermottdog
Today 05:05 PM
12 Replies, 573 Views
Key button Door Unlock
Dec 19th, 2014 06:48 PM
Last post by ihughes
Today 04:18 PM
3 Replies, 292 Views
Light loose steering then EML light. Possible hump back bridge issue
Dec 20th, 2014 04:44 PM
Last post by ihughes
Today 04:09 PM
2 Replies, 378 Views
Rubbing/grinding noise from front wheel
Dec 17th, 2014 03:52 PM
Last post by ChaoticControl
Today 03:18 PM
2 Replies, 256 Views
Fuel Door acutator bar broken
Today 03:01 PM
Last post by Tommydragon
Today 03:01 PM
0 Replies, 86 Views
Mini Cooper child car seats!!!ar
Feb 24th, 2011 04:31 PM
Last post by Silverado
Today 01:35 PM
4 Replies, 7,579 Views
Drivers windows help
Dec 16th, 2014 09:08 PM
by Scotta
Last post by quadmaniac
Today 12:23 PM
3 Replies, 413 Views
Mini Cooper cabriolet 2006 help
Today 10:35 AM
Last post by Ashpotter1991
Today 10:35 AM
0 Replies, 122 Views
Newbie help POWER SEEMS WEAK????
Yesterday 09:33 PM
Last post by Antb1986
Today 09:15 AM
1 Replies, 218 Views
Finance or lease?
Mar 19th, 2014 07:58 PM
by SeanC
Last post by Quinby
Today 08:26 AM
14 Replies, 4,024 Views
my mini before and after
Sep 10th, 2013 09:42 AM
Last post by RckStrGrl21
Today 06:57 AM
20 Replies, 7,238 Views
New Owner with a Question.
Dec 18th, 2014 01:44 AM
Last post by SteveB00
Yesterday 10:20 PM
2 Replies, 480 Views
Gearbox noise
Nov 30th, 2014 04:01 PM
by Tomdev
Last post by Tomdev
Yesterday 08:37 PM
4 Replies, 507 Views
2003 MINI cooper S
Yesterday 08:13 PM
Last post by Haakonnor
Yesterday 08:16 PM
1 Replies, 173 Views
PPI in Northern California?
Yesterday 07:26 PM
Last post by scrapple5
Yesterday 07:26 PM
0 Replies, 142 Views
Clutch Slipping
Dec 14th, 2014 04:48 PM
Last post by CCroker
Yesterday 07:09 PM
3 Replies, 302 Views
Exterior light on top of boot door
Yesterday 06:33 PM
Last post by Fatzburger
Yesterday 06:33 PM
0 Replies, 139 Views
» Premium
» Auto Insurance
Wheel & Tire Center

Powered by vBadvanced CMPS v3.2.1

All times are GMT. The time now is 10:03 PM.



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