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Advice To Young Drivers Struggling With Insurance


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#1 Robbie

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Posted 25 August 2009 - 05:12 PM

Right, now I know there are a million and one threads relating to insurance on TMF but I thought I'd share something promising to all young drivers struggling to insure their Minis.

I recently phoned Footman James as a last resort about insuring my Mini Racing Green with a MG Metro engine, after every other company under the sun had either refused me or quoted me something ridiculous (e.g. Adrian Flux, £4000+). It had got to the stage where me and my dad thought the only solution was to fit a standard 998cc engine and go with Directline (approx. £1400).

But then, expecting the worst, Footman James responded with a quote of £680 TPFT for when I passed my test!!!!!!!!!!!!!!!!!! Why?
  • Because my Mini is over 15 years old, it's treated as a classic, so is under a cheaper, classic policy.
  • Also, I had to join the British Mini Club to recieve that quote, but for £20 a year, it's a fair deal!

So young drivers, (unfortunately only ones with Minis older than 15 years), join the BMC and give Footman James a call!

Hope this is of some help to some people,
Robbie.

#2 Bungle

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Posted 25 August 2009 - 05:29 PM

completing the pass plus sceem often helps as well

#3 Adcuz

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Posted 25 August 2009 - 05:30 PM

Nice one, just joined the BMC and will ring FJ once I have my membership number as my renewal is due.

#4 PaulF

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Posted 25 August 2009 - 05:34 PM

do you get no claims bonus on a classic policy?

#5 shorty

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Posted 25 August 2009 - 05:37 PM

do you get no claims bonus on a classic policy?



not as such but yet get the number of years you haven't claimed recognized..so its similar.

also classic policies can often limit you to how many miles a year you do

#6 Pauly

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Posted 25 August 2009 - 05:41 PM

Im with Fj with my blue mini, classic policy. I wanted to put my sidewalk on (daily drive) but it was under 15 years old and found out you are limited to 4500 miles a year and if its your daily it will soon tally up. Luckly my blue car is a weekend car. You can't have unlimited mileage if your a young driver, I still cant and im 19.

Fj will only insure young drivers under classic insurance.

Ive always told young drivers about Fj they are great :).

Paul.

Edited by Pauly, 25 August 2009 - 05:42 PM.


#7 skaterava

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Posted 25 August 2009 - 06:17 PM

Robbie! You have actually saved my life, i may be on a gap year this year and i feared i wouldn't be able to afford my insurance, especially because i wanted to do some upgrades under the bonnet this year! I will join the Club and call Footman James, this is just fantastic news :)

EDIT: how strange, tried to visit the BMC home page and got redirected to Adrian Flux insurance :thumbsup:

Edited by skaterava, 25 August 2009 - 06:20 PM.


#8 Figs122uk

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Posted 25 August 2009 - 06:25 PM

Would FJ insure my 1990 mini ?

Edited by Figs122uk, 25 August 2009 - 06:25 PM.


#9 Pauly

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Posted 25 August 2009 - 06:27 PM

Yes its over 15 years old :)

#10 Robbie

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Posted 25 August 2009 - 06:28 PM

Would FJ insure my 1990 mini ?


Yeah, mines a 1990 :)

#11 Figs122uk

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Posted 25 August 2009 - 06:29 PM

Would FJ insure my 1990 mini ?


Yeah, mines a 1990 :)


So, whats the catch when you on classic insurace? or isnt there one?

#12 shorty

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Posted 25 August 2009 - 06:30 PM

Would FJ insure my 1990 mini ?


Yeah, mines a 1990 :)


So, whats the catch when you on classic insurace? or isnt there one?


usually you have a limited amount of miles you can do a year
and you don't any NCB but the amount of years you have driven without claiming is sometimes recognised

#13 Fire_monkey

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Posted 25 August 2009 - 06:41 PM

Would FJ insure my 1990 mini ?


Yeah, mines a 1990 :)


So, whats the catch when you on classic insurace? or isnt there one?


usually you have a limited amount of miles you can do a year
and you don't any NCB but the amount of years you have driven without claiming is sometimes recognised



i get unlimited miles with footmanjames fully comp

#14 shorty

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Posted 25 August 2009 - 06:43 PM

how old are you?

as pauly said before you can't have unlimted miles if your a young driver...so i guess it depends on age

#15 Figs122uk

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Posted 25 August 2009 - 06:49 PM

Would FJ insure my 1990 mini ?


Yeah, mines a 1990 :)


So, whats the catch when you on classic insurace? or isnt there one?


usually you have a limited amount of miles you can do a year
and you don't any NCB but the amount of years you have driven without claiming is sometimes recognised



i get unlimited miles with footmanjames fully comp


how old are you?

as pauly said before you can't have unlimted miles if your a young driver...so i guess it depends on age



Im 18... And do you get no calims discount Fire monkey?




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