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Just wondering if there was anyone under 21 buying a mini cooper s? Its just that i looked for insurance from direct line and they wont insure anyone under 21 on that car. anyone got any better ideas??? im panicking now!
 

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Dont worry about it mate, just because Directline wont, doesn't mean that no-one else will, Elephant definately will.

Wait until the insurance group is realeased and then shop around a bit, you'll get a decent quote.

I was cacking my pants a bit too, I am 23 and am half way through my 1st year driving on my own insurance. I can see a major shafting coming my way from the insurers too!

:(

But the car will be worth it! :D

Andy
 

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The online applications service will nearly always turn under 21's down on fast cars. Phone up and they'll quote for most people, but it won't be cheap. At 22 a 2.0l 16v Golf GTi was £2k and I live in the village which won the Mail's 'Safest place to live in Britain' award a while back....we have NO car crime at all.
My girlfriend's from Stoke - the quote would nearly have doubled had I lived up there!
The other places to try are those who specialise in high risk groups like you - LOTS of ads in Max Power - but promise me you'll only buy the mag for those ads (and maybe Jordan's norks) and NOT for tarted up 1.3 Novas. :eek:
 

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madmancooper said:
Just wondering if there was anyone under 21 buying a mini cooper s? Its just that i looked for insurance from direct line and they wont insure anyone under 21 on that car. anyone got any better ideas??? im panicking now!
Direct Line are a funny old lot. I insured a 94 Micra 1.3 Super S with them in 95 for £500 with "any driver over 25" at the ripe old age of 30 having not driven a car for 8 years. The next year, following a claim free year and a reduction in drivers to myself and girlfriend (27 licence since 18 no claims) as named drivers only they quoted £500 i.e. no no-claims-discount for me.

You'll have to try everybody in the book I'm afraid until you find someone who's criteria you fit, someone will do a decent deal, I hear Admiral have reduced the ONE and COOPER to groups 4 and 6 respectivley.

I got a reasonable quote from MINI insurance but I'm 36 with 5 years no claims.

But just to make you all laugh, in 85 I bought an XR3 (twin choke webber not i) as soon as a I passsed my test aged 20 and insured it fully comp for £1000 (to this day I still can't believe I did it) thanks to my mother not taking any "keep" for a couple of months. Looking back on the way I drove it, I know exactly why Insurers don't like young male drivers. I didn't have any prangs, but only just.

On the other hand I'm due a reduction on my policy this summer when I get married as the actuaries calculate I will instantly become a safer driver??????????????????????????

PS "MINI me" is the wedding car.



Good Luck
 

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I am 22 (was 21 when I took my policy out) and the insurance (with Churchill) on my Cooper is £500 Fully Comp.
 

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I'm 19 and fully comp on my cooper is £1700! And thats not even under my name! I would think they would screw me royally on an 'S'. Anyways im sure the magical money pixies will help me out? Please... i need one:D
 

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I really want an S, but it looks like the insurance companies have won :mad:. It seems like that they think just because I'm 20 it means I'm gonna drive straight from the garage and smash it into a wall. Non of the major companies would give me quote, so it looks like I'll have to keep looking. Any suggestions would be welcome :) .
 

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I know Admiral, Bell Direct and Elephant wont insured anyone under 21 on a high performance car :mad: :mad: :mad: Trust me, I work for them :p :p :p
 

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thanks smiffy, thats saved me a bit of time ringing them. I think I'll try Churchills tomorrow. I'm hoping for at least one decent quote.
 

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yeh thats the problem isn't it :( dirty insurance companies (sorry smiffy) i was 18 when i started my policy- it was £1400 under my dads name...

i 2 have been thinking about a cooperS lately and im not sure if its really worth it (see thread in general discussion), i know it will be a beast and all that but insurance :confused:

but then there is hope lads! i recently had a quote on a honda civic jordan, which is group 15, under my dads two years no claims, the best was £2700- not really sensible but oh well u only live once! i didn't even dare quoting the typeR! the quote was from privilige insurance or something like that so give em a call m8 :)

so is the cooperS worth it? or would u rather spend a few grand modding your cooper or going on holiday???
 

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Well it looks like Cooper S here I come :). I just had an insurance quote from MINI Insurance and it came to £1978 with a £650 excess. I think that quote is quite reasonable. :) ;) :p :D
 

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batemano said:
Well it looks like Cooper S here I come :). I just had an insurance quote from MINI Insurance and it came to £1978 with a £650 excess. I think that quote is quite reasonable. :) ;) :p :D
KEWL! doesn't sound too bad, tell me more! is that under your name? and did u just call mini and ask for insurance??? i was just thinking, by the time i order and the car gets here, i would be your age and it would be around that price :D

only thing is, is it worth it over the normal cooper???
 

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12000rpm said:


KEWL! doesn't sound too bad, tell me more! is that under your name? and did u just call mini and ask for insurance??? i was just thinking, by the time i order and the car gets here, i would be your age and it would be around that price :D

only thing is, is it worth it over the normal cooper???
Yes, that is under my name, and with 2 years NCB. I just called the number in the front of the MINI options price list. It's just called MINI Insurance. No other insurance companies would even give me a quote, so I was quite suprised when I was given this one. As for the standard Cooper, I would still consider it as it is quite a bit cheaper to buy and to insure to, and it still pretty quick remember. I am just hoping they have sorted out all the rattles from around the car, because my MINI ONE sounds like it's about 5 years old.

Good Luck :)
 

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just curious...whats the driving age in the uk? for my corolla i pay $2400 a year...which is like 2 pounds. =) j/k
 

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i dunno how to make the cool little L and i type based on phonics. :D
 

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districtofc said:
i dunno how to make the cool little L and i type based on phonics. :D
:) Here: £

you can cut and paste this (or get the pound symbol from a program like MS "Word") :)
 
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