Although I will concur that if it's that much cheaper to go classic now it's worth it. But make sure you check every year. When the difference between classic/standard comes down you should swap and start earning NCB
Best Mini Insurance For Young Driver?
Started by
dave1324
, Dec 01 2008 09:03 PM
18 replies to this topic
#16
minili
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Posted 04 December 2008 - 01:36 AM
Umm, when you are young, earning NCB makes a much bigger difference to the premium than when you're older
Although I will concur that if it's that much cheaper to go classic now it's worth it. But make sure you check every year. When the difference between classic/standard comes down you should swap and start earning NCB
Although I will concur that if it's that much cheaper to go classic now it's worth it. But make sure you check every year. When the difference between classic/standard comes down you should swap and start earning NCB
#17
asahartz
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Posted 04 December 2008 - 06:23 PM
This is a bit of an FAQ really isn't it? Perhaps we should pin a thread with everyone's suggestions (I certainly found a similar thread very useful when I wanted to insure my modded VW camper).
Anyway, my two penn'orth:
When I insured my Mini for HollyBaby to learn to drive, Admiral came out best. Originally I insured in my name with her as named driver, but when she went to Uni we found that it didn't make much difference the other way round! What did make a difference was her as sole driver, that more or less doubled it. So make sure you include a parent as named driver. It's not dodgy, I talked it through with the insurer on the phone.
How much you say? Well the quotes did seem to vary from week to week, but round about £800 fully comp. One of Admiral's good points is a ten-month policy, which allows you to build up your bonus a bit quicker (assuming you don't have a claim of course!)
Another thing that most people aren't aware of is that the premium will go up once you pass your test! Because, of course, you no longer have an experienced driver sat beside you all the time.
Anyway, my two penn'orth:
When I insured my Mini for HollyBaby to learn to drive, Admiral came out best. Originally I insured in my name with her as named driver, but when she went to Uni we found that it didn't make much difference the other way round! What did make a difference was her as sole driver, that more or less doubled it. So make sure you include a parent as named driver. It's not dodgy, I talked it through with the insurer on the phone.
How much you say? Well the quotes did seem to vary from week to week, but round about £800 fully comp. One of Admiral's good points is a ten-month policy, which allows you to build up your bonus a bit quicker (assuming you don't have a claim of course!)
Another thing that most people aren't aware of is that the premium will go up once you pass your test! Because, of course, you no longer have an experienced driver sat beside you all the time.
#18
minili
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Posted 04 December 2008 - 07:24 PM
There is already an FAQ for this, it's called "THE Insurance Thread" and I believe it's in the FAQ section
I am 23 with 3 years NCB and no claims/convictions to declare and I still saved 25% on my premium this year by adding my parents to my policy. As long as the main driver is accurate, there is no problem adding numerous family members to a policy
I am 23 with 3 years NCB and no claims/convictions to declare and I still saved 25% on my premium this year by adding my parents to my policy. As long as the main driver is accurate, there is no problem adding numerous family members to a policy
#19
Pauly
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Posted 04 December 2008 - 08:18 PM
Although I will concur that if it's that much cheaper to go classic now it's worth it. But make sure you check every year. When the difference between classic/standard comes down you should swap and start earning NCB
Thats exactly what im going to do
.Paul.
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