Insurance for son 18 - 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
Similar Threads
Thread Thread Starter Forum Replies Last Post
Motor Insurance for Men going DOWN this December? benhunt Finance & Insurance 4 Nov 25th, 2012 06:25 PM
Mini dealership 'mis sold' insurance. Joanna Mears Welcome New Members 3 Aug 6th, 2012 05:29 PM

 
LinkBack Thread Tools Rate Thread
  #1 (permalink)  
Old Mar 19th, 2014, 09:04 AM
MINI2 Newbie
Offline
 
Join Date: Mar 2014
Posts: 1
Local Time: 07:42 AM
United Kingdom
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 ?
Reply With Quote
Sponsored Links
Advertisement
 
  #2 (permalink)  
Old Mar 19th, 2014, 11:35 AM
MINI2 Senior
Offline
 
Join Date: Apr 2012
Location: Suffolk - UK
Posts: 460
Local Time: 07:42 AM
United Kingdom Male
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.
Reply With Quote
  #3 (permalink)  
Old Mar 19th, 2014, 12:14 PM
MINI2 Premium Member
MINI2 Master
Offline
 
Join Date: Mar 2012
Posts: 3,076
Local Time: 07:42 AM
United Kingdom Male
Quote: Originally Posted by Mid Life Mini (original)
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.
Reply With Quote
  #4 (permalink)  
Old Mar 19th, 2014, 01:30 PM
MINI2 Newbie
Offline
 
Join Date: Mar 2014
Location: Cambridgeshire
Posts: 4
Local Time: 07:42 AM
United Kingdom Female
Quote: Originally Posted by The Nun (original)
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
Reply With Quote
  #5 (permalink)  
Old Mar 19th, 2014, 03:44 PM
MINI2 Senior
Offline
 
Join Date: Apr 2012
Location: Suffolk - UK
Posts: 460
Local Time: 07:42 AM
United Kingdom Male
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.
Reply With Quote
  #6 (permalink)  
Old Mar 20th, 2014, 02:25 AM
MINI2 Newbie
Offline
 
Join Date: Feb 2014
Location: Hull
Posts: 2
Local Time: 07:42 AM
Male
England 2007 Mini One

I was 19 when i bought my 2007 mini one and paid 900 for the insurance and put my parents as second and third driver, it reduced it by 3000, I'm with admiral, might be worth giving it a look. Made it affordable
Reply With Quote
  #7 (permalink)  
Old May 5th, 2014, 03:19 AM
MINI2 Newbie
Offline
 
Join Date: Mar 2014
Posts: 17
Local Time: 08:42 AM
United Kingdom
i like it
Reply With Quote
  #8 (permalink)  
Old Jun 15th, 2014, 10:42 AM
MINI2 Newbie
Offline
 
Join Date: Jun 2014
Posts: 4
Local Time: 11:42 PM
United States
That's really nice. Good job.
Reply With Quote
Sponsored Links
Advertisement
 
Reply


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

Similar Threads
Thread Thread Starter Forum Replies Last Post
Motor Insurance for Men going DOWN this December? benhunt Finance & Insurance 4 Nov 25th, 2012 06:25 PM
Mini dealership 'mis sold' insurance. Joanna Mears Welcome New Members 3 Aug 6th, 2012 05:29 PM

» Recent Threads
Thinking about buying a 09 Mini Cooper S
Today 05:16 AM
by JNH2358
Last post by JNH2358
Today 05:16 AM
0 Replies, 32 Views
Issue with mini 2005 convertible roof
Oct 29th, 2014 03:16 PM
by boppu
Last post by burnstar
Today 05:12 AM
5 Replies, 379 Views
F56 how to get constant power from passenger side fuse box
Today 12:18 AM
Last post by skylight555
Today 12:18 AM
0 Replies, 84 Views
IMPORTANT. Have you had a power steering pump failure? Please vote YES or NO!!!
Jan 22nd, 2004 11:45 AM
by waynef
Last post by jowev
Yesterday 10:28 PM
1,112 Replies, 337,686 Views
2015 Countryman
Yesterday 09:15 PM
Last post by Canadianboy95
Yesterday 09:15 PM
0 Replies, 103 Views
What type of person drives a MCS
Oct 27th, 2006 02:14 PM
by popey
Last post by drmdtsap
Yesterday 08:38 PM
81 Replies, 4,179 Views
bolt on bhp
Yesterday 04:08 PM
Last post by The Nun
Yesterday 06:03 PM
2 Replies, 187 Views
Fitting a Bugaboo in a Mini Cooper 2011
Yesterday 02:37 PM
Last post by nidawaseem
Yesterday 02:37 PM
0 Replies, 160 Views
New comer with some questions..
Oct 29th, 2014 01:31 AM
by mcoop
Last post by davidscott
Yesterday 11:47 AM
3 Replies, 398 Views
H7r vs factory xenon
Yesterday 10:59 AM
by Nickgo
Last post by Nickgo
Yesterday 10:59 AM
0 Replies, 147 Views
Central locking problem Locks then unlocks straight away
Oct 29th, 2014 02:45 PM
by Skitos
Last post by heathwebbo
Yesterday 07:12 AM
2 Replies, 265 Views
No power under 4000 rpm and hard start
Oct 29th, 2014 10:39 PM
Last post by burnstar
Yesterday 06:59 AM
1 Replies, 264 Views
Winter Tire Recommendation
Oct 29th, 2014 12:21 AM
by Jason04
Last post by cristo
Oct 29th, 2014 07:58 PM
1 Replies, 398 Views
loss of radio reception
Oct 28th, 2014 07:00 PM
by k3fus
Last post by k3fus
Oct 29th, 2014 07:43 PM
2 Replies, 391 Views
How do you actually know if you have heated wing mirrors?
Oct 14th, 2014 12:32 PM
Last post by mj2k
Oct 29th, 2014 07:39 PM
6 Replies, 768 Views
Programming guide
Oct 29th, 2014 06:42 PM
Last post by Wheelnut3104
Oct 29th, 2014 06:42 PM
0 Replies, 243 Views
Best private / personalized plate?
Aug 14th, 2002 08:22 AM
Last post by french01
Oct 29th, 2014 05:34 PM
1,259 Replies, 91,670 Views
Things I've bought ,added or stolen
Oct 29th, 2014 04:03 PM
by sirron
Last post by The Nun
Oct 29th, 2014 04:17 PM
1 Replies, 258 Views
Engine Coolant Circulating?
Oct 28th, 2014 06:48 PM
by sp8600
Last post by sp8600
Oct 29th, 2014 11:57 AM
2 Replies, 379 Views
Times, they are a changing, or not.
Oct 29th, 2014 10:21 AM
Last post by The Nun
Oct 29th, 2014 11:06 AM
1 Replies, 250 Views
» Premium
» Auto Insurance
Wheel & Tire Center

Powered by vBadvanced CMPS v3.2.1

All times are GMT. The time now is 07:42 AM.



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