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Discussion Starter #1
I'm at present patiently waiting for my JCG works Cooper S. I am a little worried about insurance. I live in Kingston upon Thames, which I will get stung for :mad:

I decided to get quotes on several cars, just to try an guesstimate how much I will be out of pocket. Rumour has it the the Cooper S will be group 14. Same group as the Citron VTS. I also decided to include a Clio 172 and Civic type R.

The other issue that I wanted to take into account, is that I will probably be buying a place soon, so I'm looking for off street parking or a garage, as I "stupidly" thought these would make a large difference to the insurance. To my suprise it makes very little.

I'm 26 so I expect the premiums to be high:

Car Type : VTS Civic R 172
On the road: £1440 £1312 £1265
Off Street : £1440 £1312 £1265
Garage : £1396 £1272 £1226


It would appear that there is no difference in "ON" and "Off" street parking, apart from peace of mind, and neglagable difference for a garage. This would apear to be completly barking to me.

Thanks for listening to my wittering

Michael
 

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I can't believe

the VTS costs more to ensure than a Civiv type R or 172.

Seems odd! Must be its boy racer status. Dang!

Did you get your quotes from the internet? If so don't trust them. My VTS costs me £530 to insure and last week, for some unknown reason, I decide to look online for some quotes. I checked Direct Line (who I am currently insured with) and they quoted me £940....Eh!?:confused:

Up shot is, I always phone for a quote, a human seems to be better than a computer at getting the lowest prices! I'm not saying that they're perfect but I just don't trust automatic/stereotypical computer responses.

Incidently the AA online insurance once quoted me £2500 to cover my Saxo! I wonder if they wanted my business?
 

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Ha same here
i was paying £390 for my little saxo 1.1 x rang AA for the insurance for my cooper lol £1067 whatttttttttttttttt rang direct line who insured my saxo
£171 more buzzing or what

Cant wait until tuesday to pick it up
Hope my v5 comes back from DVLA in time :)

Silver cooper black lid, sunroof ,Pepper Pack yummmmy
 

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Re: Odd Insurance? Parking - on street v. off road v. garaging

MichaelK said:
It would appear that there is no difference in "ON" and "Off" street parking, apart from peace of mind, and neglagable difference for a garage. This would apear to be completly barking to me.
It depends on the insurer. For example, Norwich Union DOES vary its premiums depending upon the garaging situation. Not sure how it works now, but it used to be 3% off if the car was off the public highway at night and 6% off if you garaged it.

Many other insurers build in the same sort of discounts whilst others won't insure high-risk vehicles (or sometimes any vehicles) if you live on the "wrong" postcode district. For example, Zurich won't cover high group or "terms" vehicles in some metropolitan districts unless the car is garaged or has approved security devices, or sometimes both.

Your quotes obviously came from an insurer that doesn't offer a garaging discount but that doesn't mean that the quotes aren't competitive. It could be that that company is best even though there's no discount built into their premium calcs.

As ever, the cliched advice to "shop around" is the one to follow. Get quotes from a couple of specialist brokers as well as some direct insurers. And check the cover, not just the price!!
 

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cheap insurance

A tip for you all

Try TESCO.com
www.tesco-insurance.co.uk

I was getting quotesd £850 from every other firm.
I tried TESCO and got a quote for £501

and thats for a 22 year old

a huge saving in my books.
was well chuffed
 

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I'm 18 and just for comparison I got a few internet quotes for me to insure it instead of my mum. £1580 was the best, fully comp. with three points.
 

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I'm expecting the Cooper S insurance to be Group 16 - 17. This is based upon the fact that it is extremely similar in spec to the Renault Clio Williams SE that was out about 6-7 years ago. 160BHP, Kart like handling, Circa 15K price tag.

I can't see the insurance group being less than the Clio 172 or Seat Ibiza Cupra(Group 16)
 

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MadMiniManiac said:
I'm 18 and just for comparison I got a few internet quotes for me to insure it instead of my mum. £1580 was the best, fully comp. with three points.
hehe 18 with 3 points!!!!!
thats some going maniac :cool:
 

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Discussion Starter #10
Do you think the Cooper S will really be group 16 or 17 ? It seems that quite a few articles in Magazines seem to be settling for the 14 group.

Quite a few posts on MINI2 have also mentioned group 14 ( hopefully from the same peopled that got the price correct, all those months ago)

Even if the Cooper S is group 14, i'm not entirley sure how I'm going to get the Works S insured ? I guess I will have to get it insured as a modified car :(

Cheers

Michael
 

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Owning a REAL Mini Cooper 'S' from JCG I found out long ago that specialist brokers are the only way to go as in most insurers eyes the car is modified. Despite trying to explain it is factory approved and warranty stays intact etc most just cannot insure them. Curious about the log book of new 'Works' cars. Do they just state Cooper? The old ones did!
 
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