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  #1 (permalink)  
Old Jan 26th, 2014, 01:06 PM
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Mini Cooper insurance at 19 years old, new driver.

Helloo

I haven't passed my test yet but in the next couple of months I would have..

I really want a Mini Cooper! My budget it about £2000 for a second hand one..

I just wanted to know how much I would have to pay on insurance as I am going to be a new driver and I am 19 nearly 20.. I don't want to be spending over £1500 a year.. If there's anything I can do or how to get a cheap insurance deal please let me know!

None of my parents drive either! Don't know if that helps..

Look forward to your answers
Jessica
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Old Jan 26th, 2014, 03:14 PM
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Hi Jessica. Asking what others pay for insurance is like asking people how much they spend for groceries. There are so many factors that enter into it that it's impossible to compare. A change in zip codes can have an impact on your insurance rate. The best thing you can do is shop the insurance companies in your area and go from there.
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Old Jan 26th, 2014, 07:22 PM
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Hi there. Try Elephant, Diamond, Admiral (all the same company) they are good for young drivers, both of my girls started with them. I think Elephant do a 10 month policy that gives you a years bonus after just 10 months.

Add a parent or two on you policy, as long as they have a good driving history, that should make a difference.

Can you park your car off the road at night? That usually makes a bit of difference.

Restrict your mileage, the less miles you do the lower your premiums will be. Some companies also offer a discount for not driving at certain times.

Go for a bigger excess, that will reduce your premiums but bear in mind that if you do have an accident then you will have more to pay.

Check out the extras that get added on, do you need a courtesy car if you had an accident, you you need legal cover? All of these things, whilst are handy can push the premiums up.

You also need to bear in mind that if you get your car and insure it before you pass your test then your premiums will go up when you have passed as you will then be driving unsupervised.

The other thing is, a MINI One will be cheaper to insure than a Cooper if you are not bothered about a Cooper.

Good luck and post some pictures when you get sorted.
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Old Jan 26th, 2014, 11:19 PM
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As said go for a Mini One, practically the same as a Cooper but cheaper for young driver to insure.

As said Elephant /Admiral are good.
Also try 'Insure the Box' who have a new type of insurance for young drivers:
Car Insurance from insurethebox | Drive Safe & Save
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Old Jan 27th, 2014, 02:12 PM
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Thank you! This has helped me so much! Going to try all of the things you've said any more ideas or comments are welcome
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Old Jan 27th, 2014, 09:21 PM
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Okay, if you are the main driver and had an adult over 35 with another car as a named driver (ie your mum) then it would be a bit cheaper.

In my humble opinion you are going to struggle getting insured as a recently passed driver on a cooper at all. Many will just decline to quote IMHO.

WE (my wife) struggled to get our kids on her insurance as named drivers, they didn't want to do a NEW driver, as "it's a hot hatch" and they begrudgingly were prepared to take student son who is only home 2 months of the year, and passed his test 3 years ago.

It's going to be more than £1500.
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Old Jan 27th, 2014, 11:02 PM
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Note: The R50 Mini Cooper engine is 115bhp while the Mini One is rated @ 90bhp so insurers consider the One to be the entry level model more suitable for younger drivers and will therefore give you a lower quote.

Once you have gained some driving experience and a no claims bonus you can always upgrade to a more powerful Mini Cooper later.
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Old Jan 30th, 2014, 12:28 PM
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Thank you for all your comments, it looks like I won't be able to get a mini! What do you guys think is a good car for my price range then ? What about a corsa?
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Old Feb 3rd, 2014, 03:00 PM
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Quote: Originally Posted by jessicakatex (original)
Helloo

I haven't passed my test yet but in the next couple of months I would have..

I really want a Mini Cooper! My budget it about £2000 for a second hand one..

I just wanted to know how much I would have to pay on insurance as I am going to be a new driver and I am 19 nearly 20.. I don't want to be spending over £1500 a year.. If there's anything I can do or how to get a cheap insurance deal please let me know!

None of my parents drive either! Don't know if that helps..

Look forward to your answers
Jessica

dont bother getting a mini if your buget is only £2000 as its not going to be a great one. ive just had a repair bill on my 2004 cooper for £1300 new gearbox fitted plus other things and £340 for new clutch and my car is in excellent condition. if i was you i would get a old banger like fiesta or corsa and keep it for a couple of years and build up your ncb thats what we did for our daughter
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Old Feb 3rd, 2014, 07:29 PM
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Gearbox and/or clutch is usually a lot less at a Mini specialist like Minigearboxes below:
mini gearbox, gear fix - Mini recon gearboxes | BMW MINI cheap gearboxes
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Old Feb 5th, 2014, 11:11 PM
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You guys have funny names for insurance companies over there.
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Old Feb 9th, 2014, 12:05 PM
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I had the same problem as you, my first car was an '08 Mini ONE and the only way I could get close to reasonable insurance was through ingenie, deffinetly worth checking them out!
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Old Feb 13th, 2014, 09:35 PM
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When my daughter was looking at buying her first car about 18 months ago the MINI ONE was one of the five cheapest cars to insure which considering it is a 1.6 I thought was really good, however she was still looking at quotes of £1700 though which although seem ridiculous, compared to other cars wasn't too bad. Having said that she bought her sisters Toyota Aygo off her in the end and paid about £900 on insurance and her road tax is only £20. Its a shame that your parents don't drive as oddly having them as named drivers on your policy can bring it down, don't know if this works with other relatives.

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Old Feb 17th, 2014, 10:42 PM
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I'm 19, and I've just bought an 07- plated MINI. I have been driving for 2 years, my insurance for a year for the MINI with my parents (both full no claims) and my 22 year old sister (4 years no claims) is £580 comprehensive with Admiral.

Car insurance has always been pretty cheap for me, just pays to shop around etc
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Old Feb 18th, 2014, 08:22 AM
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Quote: Originally Posted by maxruddock12 (original)
I'm 19, and I've just bought an 07- plated MINI. I have been driving for 2 years, my insurance for a year for the MINI with my parents (both full no claims) and my 22 year old sister (4 years no claims) is £580 comprehensive with Admiral.

Car insurance has always been pretty cheap for me, just pays to shop around etc

Hope you're not fronting!
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