45 replies to this topic

[MiniCooper500*]

Hi Fellow Members, I Was Wondering What Insurance Would Be Like For A 17 Year Old That Is Interested In Mini's (Not BMW Version)... I Heard People My Age Getting Quotes For 700Pound TPFT. So Before Ringing Up Companies 4 Quotes, I want To hear Some Opinions First.

[Jordie]

17yr old, passed or learner?

If learner, you might get a cheap quote while learning, but expect increase when passed.

if passed, i doubt youd get a policy for £700 TPFT. I would expect a grand ontop of that minimum from my experience of friends and family. Also most insurance companies, the big dogs on like gocompare, comparethemarket etc wont give an agreed value on your mini, so your £3000 mini could get written off and you'd get £300 maybe...

[Wise Old Elf]

Can't be a lot of a 850 surely? Any 17 year olds out there driving one?

[JollyMole]

My first year was £1,600 after a LOT of ringing around. Had quotes up to £20,000 for a £2,000 car!

Shop around though; best for me was Aviva as the "3months free" (25%) makes one hell of a discount for a young driver with 0years no claims. You can also ring them for an agreed valuation and to list modifications.

[MiniCooper500*]

Well I Heard That Phoning Up Footman James Or Adrian Flux Will Get You Cheap Quotes

[MiniCooper500*]

But Only On A Classic Policy

[MiniCooper500*]

But I'll Try Aviva

[Tamworthbay]

I would forget the 1380cc, any performance mods will make it more silly than it already is. Stick with a 998 for the first year then you have a bit of no claims to use.

[MiniCooper500*]

I'll Probaly Get A 1380 Wen Am 20 Something.. But I Heard Even The 998's Are Beefy

[Wise Old Elf]

I'll Probaly Get A 1380 Wen Am 20 Something.. But I Heard Even The 998's Are Beefy

I had a MIni 1000 as my first car and it did 80 mph on a few occasions. I wont say if it was on the road or track or who was driving.
I was more than happy with how nippy it was around town.

[JollyMole]

Mine was a '92 998 mayfair, insurance group 1 so as cheap as you could get. Had 5 modifications listed to aviva and all in at £1,600 with an agreed value. coming up to 5 years ago now like. haha. Got myself an RSP (group 5 I think) at 21 as i became qualified for classic car policies with certain companies. I'd advise you wait till then too for bigger engine'd minis as it makes a HELL of a lot of difference. :)

My classic policy is through "Highways" which is part of LV - Liverpool Victoria.

Still got both cars - see profile picture. Anually, it's about £700 for both; fully comp, euro cover and two agreed valuations. Put the effort in to shop around as super-scrimping is very much worthwhile in the current economy.

Remember some policies don't let you have any mods at all and not claiming them will most likely void your insurnce in the event of an accident. It's best to keep your nose clean at all costs imo. :)

[JollyMole]

I'll Probaly Get A 1380 Wen Am 20 Something.. But I Heard Even The 998's Are Beefy

I had a MIni 1000 as my first car and it did 80 mph on a few occasions. I wont say if it was on the road or track or who was driving.
I was more than happy with how nippy it was around town.

Ha! My wee 998 does 85-90 on the flat, 90+ (bouncy needle) on a hill. Only plonked a playmini exhaust on it and a K&N element, never seen a standard 998 fly so well. As you say though they're most fun doing the in and around town runs. :)

[PurpleXrA1NX]

last year when i was 17 week with passing, £1200 998 with stage 1 gryham sykes TPFT

[jamesmpi]

My 1380 is listed on a classic policy with unlimited engine mods and restricted yearly mileage of 3000 miles. My yearly insurance is £350....but I am 27

[JollyMole]

last year when i was 17 week with passing, £1200 998 with stage 1 gryham sykes TPFT

You must live in a nicer area than me haha. I'd personally never only go TPFT though.

My 1380 is listed on a classic policy with unlimited engine mods and restricted yearly mileage of 3000 miles. My yearly insurance is £350....but I am 27

3,000 miles? I've done that in a week!