7 replies to this topic

[H. Cooper]

Hi everybody.
I need an advice from you fellow Mini drivers. I'm a twenty years old male mechanic apprentice, foreign nationality (Hungarian), been living in this country for four years now. I've got a full UK driver's license for two and a half years. I own a 1993 Rover Mini Mayfair, with a few little modifications, such as: alloy rims, a pair of doggy old recliner seats and a Maniflow system. I tried to get insurance quotes from various places (Sky Insurance, Elephant, Adrian Flux, Gocompare etc.) but they give me ridiculous quotes at the region of £2200 and I didn't even state any modifications yet. This is why I turn to you lot now. Can you give any ideas on where should I try next? I'm getting really frustrated as I can hardly afford to pay this amount of money out every year...
Cheers for any ideas!

[minidave1991-89]

I couldnt afford those insurance companies either. I'm 20 also with 3 years driving, 3 years no claims and a 92 mayfair with no mods except alloys. I eventually went with RAC for £700.00 inc breakdown.
BUT! most modern insurances do not have agreed valuation which classic/mini specialist companies do. So say if you have an accident and your car is written off you would only get say £500 when the car is worth more like £1,500 to Adrian Flux etc.
I didnt realise this until after i purchased my insurance with RAC but £700 to me was very cheap. Do you use the mini as an everyday driver? I put as little mileage as possible 2000 miles i think which i will never do in mine as it only comes out when its not raining and weekends.
Hope that helps

[The_Mistro]

id suggest if you havent already, to get quotes on the phone! and if your not worried about no claims, Footman James may be a good place to check out!

[H. Cooper]

Yes, she is a daily driver. I can't stand modern cars.. :) I think one of the problems is that I haven't got any No Claim bonuses. Up till now I was a named driver and my dad was the main driver, but they ask about £1500-1700 for it like that and I'd like to have it on my name to obtain No Claim bonus so the insurance can hopefully go down like that.

[hobnob888]

try insure2drive

[jakejakejake1]

Try all the comparison sites, just because one doesnt give any good prices doesnt mean the others won't. I normally get good results with gocompare

[The_Mistro]

if you live with your partents and they have a car try joining the 2 policies together with admiral multi car, works out cheaper for all 4 of us in my household by using them! and put your dad as a named driver on your car!

[Remylebleu]

im 24, banned twice, got my licence back in jan last year and insured a mayfair 998cc with peter james for £434 fully comp, all mods declared (wheels, seats, exhaust, steering wheel, dash, etc)

renewed with them this yr for £153

me thinks thats good