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Mini For First Car, Insurance ? Help, R U 17, What Are You Paying, Where And What Engine/upgrades Do You Have


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#1 danieldavidgregory

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Posted 05 January 2010 - 12:53 PM

INSURANCE, the bank breaker of a 17 year old...... :) Anyways i have always loved mini`s and am wanting one as my first car. if you are 17 and have a mini could you please let me no what your paying, what your mini is, engine upgrades etc, and which company and what insurance you have...

im would like a 1275 but im guessing insurance will break the bank, so what do you have, 1000 or even 850 ?????

NOTE-im looking for a mini with around a 1000cc engine or 850cc so if you have a nice one let me no, nothing 2 expensive, yellow, grey or blue prefered....

Thanks For everyones help..........

#2 Guess-Works.com

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Posted 05 January 2010 - 01:02 PM

I'm not 17, but I was once...

The key is, STANDARD....

if a mini is standard then it should not be too bad irrespective of engine size, modifications will bump your premium, and also reduced the number of underwriters which will insure your vehicle.

#3 danieldavidgregory

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Posted 05 January 2010 - 01:06 PM

I'm not 17, but I was once...

The key is, STANDARD....

if a mini is standard then it should not be too bad irrespective of engine size, modifications will bump your premium, and also reduced the number of underwriters which will insure your vehicle.


thanks for that, forgot to say do people find classic car insurance comps are better or worse......... and been a classic teen, i would prefer one to be non standard have sports pack arches, and deep dish wheels..... a few spot lights on front, you get me lol........

#4 evansisgreat

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Posted 05 January 2010 - 01:34 PM

You could always buy a sportspack, but they're pricey. But they have the most standard power (63bhp) and have the arches, big wheels and spots as standard. When I was getting quote for different minis it was more expensive to insure a sprite with a set of after market wheels than the sportspack I eventtually bought, which seemed crazy to me.

But like guess works says, standard is your friend, as are parents or anyone else you can get on your premium as second drivers. I added my parents AS SECOND DRIVERS on my insurance and it knocked off over £100! But not as the first driver, because that's insurance fraud!

#5 danieldavidgregory

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Posted 05 January 2010 - 01:42 PM

Thanks 4 that, when you say standard, can you just explain to a newbie over here how i get one with alloys and sports arches and class it as standard what ones will i need. :)

just been talking to graham sykes and been told to defo go for a 1.0 or smaller, and stay away from coopers as there alot more.

#6 chappy

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Posted 05 January 2010 - 01:42 PM

last year (17) for fully comp insurance on a standard 998 mini. i payed.......









...£1800. ;)


give footman james a call, really nice and helpful. see what they can come up with for you. If you go on a classic car policy then you have to join british mini club (£20 a year)


Thanks 4 that, when you say standard, can you just explain to a newbie over here how i get one with alloys and sports arches and class it as standard what ones will i need. :)

just been talking to graham sykes and been told to defo go for a 1.0 or smaller, and stay away from coopers as there alot more.



One with sportspack arches and alloys as standard would be one of the later MPI minis. which would be a 1.3 litre

Edited by chappy, 05 January 2010 - 01:46 PM.


#7 danieldavidgregory

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Posted 05 January 2010 - 01:45 PM

Thanks 4 that, when you say standard, can you just explain to a newbie over here how i get one with alloys and sports arches and class it as standard what ones will i need. :)

just been talking to graham sykes and been told to defo go for a 1.0 or smaller, and stay away from coopers as there alot more.



owww dummy over here gets you now... is that a type or somthing lol............ links may help, Thanks

#8 The_Mistro

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Posted 05 January 2010 - 01:52 PM

i insured this:

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1275 spi - bucket seats, door cards, grill, maniflow centre exhaust, grooved brake discs, fogs and spots, high level brake light, deep dish alloys, arches and sticker alterations


for £1600 tpft with quinn direct with pass plus when i was 17, and then £800 the year after with them with the mods declared, (its the way you sell it to them, eg exhaust, its only the back box and its tailor made to "FIT" a mini and grooved brake discs (overheated when braking at the end of dual carridge ways, so i fitted grooved discs to help the cooling" then i changed to footman james on a limited milage, classic policy, 3000 miles, tpft £375 (im at uni so i dont need it all year round) all mods declared again! BUT KEEP THE ENGINE STANDARD FOR A FEW YEARS!

Edited by The_Mistro, 05 January 2010 - 01:55 PM.


#9 The_Mistro

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Posted 05 January 2010 - 02:02 PM

Thanks 4 that, when you say standard, can you just explain to a newbie over here how i get one with alloys and sports arches and class it as standard what ones will i need. :)

just been talking to graham sykes and been told to defo go for a 1.0 or smaller, and stay away from coopers as there alot more.



owww dummy over here gets you now... is that a type or somthing lol............ links may help, Thanks


ok, to run you through it there are 4 more common engines in a mini, there are others though, but they arent as common:

998 carbed
1275 carbed
1275 SPI
1275 MPI

the carbed engines are the older engines, have a carburetor, and the SPI nd MPI are the more modern engines, injection engines, SPI is single point injection, and MPI is multi point injection (sometimes known as Twin Point Injection) the injection engines are the later ones, the sports pack coopers were the last of the minis, and are all MPI, unless they arent genuine sportspack minis! SPI were just before the MPI minis, and then all the earlier minis were carbed. The carb minis are easier to tune the engine, but arent as reliable in cold weather as they dont like starting as easy! but people like them because the engines are easier to tune.

Obviously the number is the CC of the engine, so 998 is basically 1L and 1275 1.3L

Edited by The_Mistro, 05 January 2010 - 02:03 PM.


#10 danieldavidgregory

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Posted 05 January 2010 - 02:10 PM

Thanks 4 that, when you say standard, can you just explain to a newbie over here how i get one with alloys and sports arches and class it as standard what ones will i need. :)

just been talking to graham sykes and been told to defo go for a 1.0 or smaller, and stay away from coopers as there alot more.



owww dummy over here gets you now... is that a type or somthing lol............ links may help, Thanks


ok, to run you through it there are 4 more common engines in a mini, there are others though, but they arent as common:

998 carbed
1275 carbed
1275 SPI
1275 MPI

the carbed engines are the older engines, have a carburetor, and the SPI nd MPI are the more modern engines, injection engines, SPI is single point injection, and MPI is multi point injection (sometimes known as Twin Point Injection) the injection engines are the later ones, the sports pack coopers were the last of the minis, and are all MPI, unless they arent genuine sportspack minis! SPI were just before the MPI minis, and then all the earlier minis were carbed. The carb minis are easier to tune the engine, but arent as reliable in cold weather as they dont like starting as easy! but people like them because the engines are easier to tune.

Obviously the number is the CC of the engine, so 998 is basically 1L and 1275 1.3L




Thanks Very helpfull, also one more thing,, how much did it cost to pass you pass plus test...

#11 The_Mistro

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Posted 05 January 2010 - 02:12 PM

no test, just a few hours driving! i think it £100 or £150

#12 danieldavidgregory

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Posted 05 January 2010 - 02:25 PM

thanks for the replys everyone so far, so basicly now could people tell me what there paying for a mini, at 17 with sportspack arches, deep dish wheels etc, and what there mini is etc, 1.0 is possible.

#13 The_Mistro

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Posted 05 January 2010 - 02:27 PM

get quotes, it will be different for everyone! depends on where you live ect!

#14 Minigirlracer

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Posted 05 January 2010 - 02:47 PM

forgot to say do people find classic car insurance comps are better or worse


I'm 22, and haven't been able to get classic insurance yet because of my age, got to be over 25 with a few classic companies even tho the mini is 30years old :S

for £1600 tpft with quinn direct with pass plus when i was 17


Would definately recommend pas plus. When I did it it knocked my quote down £400.

My first year for a 1000cc with non standard respray and alloy wheels was something like £700 on my own for the first year with Norwich Union.... 2nd year £400 and then third year my mini was in a hit and run accident so my insurance got mucked up then.

I'm now 22, got loads of mods on my mini and hoping to pay £450 Fully comp with mini valued at £4,000 fingers crossed in a couple months with a company called HIC...

Edited by Minigirlracer, 05 January 2010 - 02:47 PM.


#15 .998TANGO.

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Posted 05 January 2010 - 02:49 PM

helllo

i payed £989 for a 1275 spi sprite with churchill..
now pay £975 for a 998 also with churchill.. but all standard ;)

try footman james many people on here have recomened them. :)




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