Insurance for younger drivers!

[AndySav]

How much are people paying for there insurance? Im 20 and the insurance for my Cooper is going to cost £730 with direct line. I have 3 years no claims. Will the fact of me upgrading to chilli pack and then 17inch alloys affect my premium as i havent notified the company as it is coming from the factory with these on

Thanks Andy

[jre7star]

Changing your car to chilli with the 17's shouldn't effect the price of your insurance much - only tell them the spec if they ask, some companies i spoke to were well aware of the options available on the car and asked me if i had salt etc but thne others just asked if it had been modified after leaving the factory.
£750? i'm on my second year now and im still paying more than double that!!

[KJ_daGreenMini]

i'm about £100 more but i have no year no claims, so i guess thats not too bad. oh, and i'm 22.

[Leadfootlen]

Have you tried www.elephant.co.uk? I used them and have been told by a few people they are one of the cheapest insurers at the moment. I am paying £750 on my mcs, im only 25 but do have 5 years no claims. Still the mcs is a few groups higher than the cooper, so it could be worth a try. Quotes online are good, the only drawback is you have to pay it all in one go. Can't pay in installments.

TTFN

James

[dietcokeplease]

Direct Line load the Chili Pack by 10% and they may load more for 17" wheels.

Check out Elephants Policy Wording first before getting a quote. Although they have a section where they allow you to declare options, they have a disclaimer on paying out for options in the event of a claim; ie they will only return the car to it's standard spec.

[KenL]

Directline asked me specifically the spec of my car. They are aware of SALT, PEPPER & CHILLI. My car model is listed as MINI ONE SALT.

If I were you I'd tell them.

[MiniMellie]

Try Tesco online. I'm paying £560 for my mini cooper and that includes my partner as well for fully comp. If you book it online you get a discount also.

MiniMellie

[TheBlackKnight]

Whatever you do, don't use Adrian Flux - they are absolute robbers! I think I'm going to have to declare my list of mods and brace myself for a nasty premium hike!

[dietcokeplease]

Years ago in my semi-Max Power/Riceboy days, I used Adrian Flux, until I found out that they charged £25 for each amendment, alteration etc - want a Green Card, £25 please! Temporary loan vehicle, £25 please! Don't know if they still do this but it's left a sour taste in my mouth.

[TheBlackKnight]

dietcokeplease - You're just down the road from me, I'm in Beckenham! Wonder how many other Kent MINIs there are on here! Anyway, look, here's a thought - try picking up a copy of MiniWorld / Mini Magazine from the newsagents and phone up a few of the insurance companies in there. That's what I'll be doing - I've a feeling all my mods are really going to hit me where it hurts...

..straight in the wallet!

[Red7]

I went for elephant.co.uk, I'm 22 with no no claims (been on company car scheme) + my girlfriend who has been driving for 4 months, £1400. My car has lots of extras so took out the mini shortfall insurance. £350 for 3 years which in the event of my car being a write off mini shortfall will cover the difference between what your insurance pays out (list price £14600 - depreciation) and your purchase price (£17000+).

lets just hope I don't have to use it ;0)

D

[AndySav]

thanks for your help! i hope direct line dont up the premium for extras!i would be very annoyed!