Insurance for son 18 - MINI Cooper Forum

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post #1 of 8 (permalink) Old Mar 19th, 2014, 09:04 AM Thread Starter
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Insurance for son 18

Hi guys just ordered new Mini Cooper and son who passed test last year but saved for car is having my 56 plate mini one he's got no no claim bonus and looking for a cheap quote any ideas ? I've tried Quinn and elephant they wanted 4k so just wondered if any young drivers recently got insured ?
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post #2 of 8 (permalink) Old Mar 19th, 2014, 11:35 AM
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Elephant and Quinn are all part of the same group and are usually good for young drivers, I found Admiral were also good for my daughters.

The usual - add a parent with good driving history as a named driver, increase excess, opt for reduced mileage, they all help to reduce the premium.
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post #3 of 8 (permalink) Old Mar 19th, 2014, 12:14 PM
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Originally Posted by Mid Life Mini View Post
The usual - add a parent with good driving history as a named driver, increase excess, opt for reduced mileage, they all help to reduce the premium.
I know people do this, but strictly speaking its not really correct is it? Its ok if its the parents car and the child drives it "occasionally", but if the child is the main user, which is normally the case in this situation, then they should be classed as the main driver and pay the insurance premium that dictates?
Arent you trying to con the insurance company doing it the other way? And what happens in the event of a very serious accident where say someone was to be killed and it all gets found out?
This has been raised on many other club forums and folk just seem to ignore that fact so their child can be insured on the cheap when in reality they arent really insured at all?
It doesnt take much for the insurance company to find something that will enable them to reduce a claim or not pay out at all, as we regularly hear about in the press.
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post #4 of 8 (permalink) Old Mar 19th, 2014, 01:30 PM
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Quote:
Originally Posted by The Nun View Post
I know people do this, but strictly speaking its not really correct is it? Its ok if its the parents car and the child drives it "occasionally", but if the child is the main user, which is normally the case in this situation, then they should be classed as the main driver and pay the insurance premium that dictates?
Arent you trying to con the insurance company doing it the other way? And what happens in the event of a very serious accident where say someone was to be killed and it all gets found out?
This has been raised on many other club forums and folk just seem to ignore that fact so their child can be insured on the cheap when in reality they arent really insured at all?
It doesnt take much for the insurance company to find something that will enable them to reduce a claim or not pay out at all, as we regularly hear about in the press.
Sorry to butt in here, but I think Mid Life Mini meant have the child as the main driver and add the parent as a 2nd driver.

I'm 24 now so it doesn't work anymore but having my mum as a named driver always used to reduce my premium. Also fully comp was always cheaper than 3rd party.

I've used Quinn Direct, Churchill and Admiral plus another called something like Pink Insure... anyway, I always used to just mess about with the excess/named drivers on comparison sites until I felt happy* with the quote.

*less distraught

Last edited by yesitsjess; Mar 19th, 2014 at 06:07 PM. Reason: correctness
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post #5 of 8 (permalink) Old Mar 19th, 2014, 03:44 PM
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Yes, car owned and insured in the child's name with a parent or some other sensible adult with a good driving history as a named driver, I occasionally drive my daughters car, usually to pick her up from the pub. For some reason only known to insurance companies it reduces the premium.

I think the scenario The Nun was referring to was "Fronting" where the parent pretends they are the main driver and the child is a named driver. Insurance companies can see through that one and you could invalidate your insurance in the event of a claim.
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post #6 of 8 (permalink) Old Mar 20th, 2014, 02:25 AM
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England 2007 Mini One

I was 19 when i bought my 2007 mini one and paid Ł900 for the insurance and put my parents as second and third driver, it reduced it by Ł3000, I'm with admiral, might be worth giving it a look. Made it affordable
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post #7 of 8 (permalink) Old May 5th, 2014, 03:19 AM
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post #8 of 8 (permalink) Old Jun 15th, 2014, 10:42 AM
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That's really nice. Good job.
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