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#76 Grodecki

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Posted 23 April 2009 - 07:24 PM

At the age of 17 you'll be lucky to get insured on a 1275 these days.


Not really true; am TPFT for under £700 on a 1.3i Cooper at 17.

#77 Mini Adam

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Posted 23 April 2009 - 07:35 PM

At the age of 17 you'll be lucky to get insured on a 1275 these days.


Not really true; am TPFT for under £700 on a 1.3i Cooper at 17.


Who with?

#78 wilcooper

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Posted 23 April 2009 - 07:38 PM

try adrian flux 15% discount with tmf+

#79 Grodecki

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Posted 23 April 2009 - 11:11 PM

At the age of 17 you'll be lucky to get insured on a 1275 these days.


Not really true; am TPFT for under £700 on a 1.3i Cooper at 17.


Who with?


Footman James. 6000 miles per year limit, my own name, classic policy.

#80 CharlieBrown

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Posted 24 April 2009 - 07:46 AM

Just to point out that disconnecting you speedo would not really be very legal.

Also admitting that you might do that on a public forum may not be the best idea either.

#81 Jammy

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Posted 24 April 2009 - 07:48 AM

i would agree with that, the money spent on the car to lower the insurance will last long, and isnt just money downt he drain, things like the pass plus and advanced driving course will stay with you for the whole of your driving life, so they may cost £150 to do them, but in the long run could save you thousands!

The pass plus will, normally, only get you a discount on insurance in your first year of driving. I guess after the first year the insurance companies thinks that you should have the skills you learnt doing Pass Plus through experience anyway, so you no longer hold an advantage over any other driving with 1+ years of driving experience.

#82 Mini Adam

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Posted 24 April 2009 - 07:49 AM

Just to point out that disconnecting you speedo would not really be very legal.

Also admitting that you might do that on a public forum may not be the best idea either.


Haha I know it's not legal... but the amount of people I know that do it >_<

And to be honest I probs wouldn't need to... I can't see myself doing 3000 miles :D

#83 Mini Adam

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Posted 24 April 2009 - 07:50 AM

i would agree with that, the money spent on the car to lower the insurance will last long, and isnt just money downt he drain, things like the pass plus and advanced driving course will stay with you for the whole of your driving life, so they may cost £150 to do them, but in the long run could save you thousands!

The pass plus will, normally, only get you a discount on insurance in your first year of driving. I guess after the first year the insurance companies thinks that you should have the skills you learnt doing Pass Plus through experience anyway, so you no longer hold an advantage over any other driving with 1+ years of driving experience.


Yeah that's what I got told which is why I'm not going to do the Pass Plus

#84 minislapper

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Posted 24 April 2009 - 08:40 AM

I wouldn't touch Performance Direct with a dirty stick. Had very bad experience of them.

In terms of insurance, it's like anything else in this life. You get what you pay for!

#85 Jammy

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Posted 24 April 2009 - 08:43 AM

If I'm honest minislapper, it seems with insurance you don't even get much when you do pay for it! >_< I've only been with one insurance company I've only really had any confidence in, though I haven't had to really test them (and touch wood I won't), incidentally they are relatively one of the cheapest providers I've been with too.

Like banks, insurance companies will screw you any which way they can.

#86 Mini Adam

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Posted 24 April 2009 - 09:36 AM

I wouldn't touch Performance Direct with a dirty stick. Had very bad experience of them.

In terms of insurance, it's like anything else in this life. You get what you pay for!


I don't know... Some companies our very good but still cheap! I think you just have to make sure you get the right insurance policy and company for you. It seems everyone has their own opinions about different companies!

#87 somecrapname

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Posted 24 April 2009 - 12:38 PM

But....think of this.....why do you want a vtec mini at age of 17? Its not a proper real mini if you get me, its a ridiculous amount of power for a 17 year old to have on the road.

Just enjoy a 998/1275 and dont waste thousands to drive them.


Got to agree with this statement.

Why buy a mini at all if you're not going to drive it like it should be? If you don't want to drive a standard car, why don't you go and buy something else. Why do you need a VTEC at 17? To keep up with your mates? There is no viable reason at your age.

Learn how to drive first then put something stupid under the bonnet if you still feel the same after a few years of driving.


I can see your points. I just liked the idea of a vtec mini! and no not to keep up with my mates. I don't agree with driving really fast! I just want something a bit more 'custom' if you know what I mean? I'm sure I could keep up with my mates with a 998 cc!!
Thanks for the replies >_<


So...your buying a SERIOUSLY fast car....to drive normally....cause you don't agree with driving fast?

So....your paying a fortune, losing the sound of a Mini....AND your not going to drive it fast?

Just out of interest do you have a VTEC Mini? If you want something custom get a 998 and put a custom gear knob on.


so a bigger engine automatically means you have to drive faster? hmm, I'll have to remember that when I finish my VTEC.
and there's more to a mini than the sound of the engine, reliability for one. or lack of. have an amazing engine and the character of the mini. what more could you ask for?

I'm also curious as to how a mini "should" be driven, what a reasonable amount of power for a 17 year old is, and when is there ever a viable reason for a "ridiculous" amount of power? far far too many made up statistics in this thread. it might help if you quote your sources in the future, and no: "a friend of a friend had his for...." is not a reliable source.

Edited by somecrapname, 24 April 2009 - 12:56 PM.


#88 Jordie

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Posted 29 April 2009 - 11:47 AM

my freind was telling me a story about someone he knows who is 17 who managed to get his insurance down to £200 without fronting at all.

first off he bought a 1.4 ford mondeo, which isnt classed as a normal first car, which lower the insurance straigh away
then bought a garrage from argos to park the car in
then did a pass pluss scheme
then an advanced driving course
fitted what was one of the highest rated allarms
and put his occupation down as his part time job, rather than studant (which is seen as legal as he spends more time at work than he does at collage
then he put his details into all of the comparison sites, and found the cheepest quote, got a quote from that company direct, and then found some kind of cash back website, and registerd the insurance though there, and they gave him an extra £150 back.

this was all perfectly legal, and abouve board, and damn cheap i think, especially for his age.

i think the main thing to lower the insurance is where you live, i got two quotes from the confused.com one where i said it lived at my home address, and one where i said i lived at my friends adress, which is less than 5 miles down the road, it would cost me and extra £537 if i lived at his address!

Chris


1.4 mondeo? Must be rare that.... :D
Garage to park a mondeo? canny size and expense.

Ive had not "normal" cars all my life since passing my test. I drove a 1.8 turbo diesel mondeo, a rover 400 diesel, a proton persona 1.3 etc etc. It made no difference to my insurance, the price increased/decreased with engine size/power/stealability rather than if it was a "normal" young persons car or boy racer car (saxo, corsa etc)

#89 Lenny.G

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Posted 29 April 2009 - 12:58 PM

at the end of the day there is a reason why insurance is expensive.

*puts on flat cap

Its because the youth of today, are irresponsible and immature and have little experience on the roads. Once you have had your mini a few years and learn how to drive within the limits of your car and your own talent/fail interface then you'll find the rates drop.

#90 Gexx

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Posted 29 April 2009 - 08:28 PM

so a bigger engine automatically means you have to drive faster? hmm, I'll have to remember that when I finish my VTEC.


Umm, errr, :crazy:

with the VTEC you get that lovely noise over 5,200 wwwwwwWWWWWAAAAAAHHHHHHH .....

v difficult to drive stay out of that noise band. I know, I've tried. it just wants to go :angel: go :techsupport: GO ;) (officer :o;) )




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