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Learner Driver Insurance


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#1 JGmini99

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Posted 15 April 2016 - 08:53 PM

Hi all,
Soon I'll be getting my first car which will be a classic mini and to try and bring down insurance costs slightly, I'm hoping to get insured on learner driver insurance once I'm 17 and have my provisional licence. Can anyone recommend any companies with reasonable prices. Also I'm torn between what to go for a 998 or 1275. The 1275's seem to be cheaper than the 998's to buy but not sure on insurance costs with a full licence as a new driver and while learning to drive

#2 WPD

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Posted 15 April 2016 - 10:22 PM

As long as your parents are insured on it you can use any high street insurance broker such as A-PLAN etc, they were a lot cheaper and actually insured me unlike the big companies



#3 PythonProject

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Posted 18 April 2016 - 08:37 PM

Get your parents on your insurance, try to get a mini with no mods. I've also found that special editions tend to be more expensive(Personal experience). Weirdly enough i've found that changing little things on your quotes such as where your car is stored makes a lot of difference. It was around £300 cheaper to state that the car was left outside the house on the side of the road rather than the garage built into the house(This is all dependant on your location though). 

 

Have you tried specialist firms? I found that HIC was quite good to be honest but they're not the most competitive. 

 

All the best, 

 

Joseph.



#4 JGmini99

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Posted 23 April 2016 - 03:43 PM

Thank you both for the replies. Have either of you been insured on a 1275 for your first? I'm trying to get a standard one to start with but the 1275's seem the cheapest option when put beside the 998's. I haven't tried HIC yet because I'm not 17 till August but they're definitely on my list of insurers to contact as I've heard lots of good things about them. I'll be keeping mine on the drive so should hopefully reduce the price. Also with insuring parents that's only adding them as additional drivers right? Seeing as I'll be main driver. I've tried sky insurance but wouldn't give me a quote without a registration number of a particular mini

#5 JGmini99

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Posted 23 April 2016 - 03:46 PM

I'm also going to try and install an alarm and immobiliser kit to the mini when I get it around July to try and reduce the costs. If it's a Rover which already has an immobiliser fitted (I think) then I'll just get an alarm system fitted

#6 WPD

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Posted 23 April 2016 - 08:07 PM

Thank you both for the replies. Have either of you been insured on a 1275 for your first? I'm trying to get a standard one to start with but the 1275's seem the cheapest option when put beside the 998's. I haven't tried HIC yet because I'm not 17 till August but they're definitely on my list of insurers to contact as I've heard lots of good things about them. I'll be keeping mine on the drive so should hopefully reduce the price. Also with insuring parents that's only adding them as additional drivers right? Seeing as I'll be main driver. I've tried sky insurance but wouldn't give me a quote without a registration number of a particular mini

nope i never ended up buying a mini as i needed something that is cheap, reliable and doesn't need much maintenance as to get anywhere here I have to take a dual carriage way or motorway and will get absoloutly filthy in the first 5 miles not to mention not having time to repair things and no room in the garage for it. I went for a cheap clio in the end, £1500 insurance from direct line with legal cover and no black box as i believe you will spend more money with a black box than you would without, especially living in the country. dont have any break down cover though which i probably should get  :bah:



#7 PythonProject

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Posted 24 April 2016 - 07:13 AM

It was around £1400 for me to insure a 1275cc with admiral, but you have to provide them with the payment all upfront and then you have to provide photos of the car, no getting away with cheeky arches or anything. In the end I got a 1983(Y plate) Mini Mayfair, 998cc, and declared all my mods, arches, bucket seats, seatbelt harnesses, alloys and a performance exhaust and it was £1700 in total ;D . HIC are very good, however! They're not competitive at all until you have at least one years NCB. They quoted me £2200 :ohno: for my Mayfair, but I definitely will be checking with them again next year  :proud:



#8 Ethel

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Posted 24 April 2016 - 07:32 AM

Get quotes every which way. It may be cheaper to be the named driver and forego the ncb for the first year. Also check out the terms for after you've passed on a learner policy. They really don't like refunding and could be very expensive to convert to a regular policy.

#9 Carlos W

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Posted 24 April 2016 - 07:38 AM

Get quotes every which way. It may be cheaper to be the named driver and forego the ncb for the first year. Also check out the terms for after you've passed on a learner policy. They really don't like refunding and could be very expensive to convert to a regular policy.

 

You need to be careful with this, if you are the main driver then you're 'fronting'

 

Insurance companies are wise to it and in the event of a crash where it's obviously the son/daughters car the insurance company may not pay out and you could be looking at charges of no insurance.



#10 Ethel

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Posted 24 April 2016 - 09:33 AM

That's true, but there are many different sorts of second car and family policies. It's certainly not a good idea if you don't share the same address.



#11 JGmini99

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Posted 24 April 2016 - 02:27 PM

It was around £1400 for me to insure a 1275cc with admiral, but you have to provide them with the payment all upfront and then you have to provide photos of the car, no getting away with cheeky arches or anything. In the end I got a 1983(Y plate) Mini Mayfair, 998cc, and declared all my mods, arches, bucket seats, seatbelt harnesses, alloys and a performance exhaust and it was £1700 in total ;D . HIC are very good, however! They're not competitive at all until you have at least one years NCB. They quoted me £2200 :ohno: for my Mayfair, but I definitely will be checking with them again next year  :proud:

was the insurance with the mods and the 1275 without the mods both with admiral? That's pretty expensive from HIC most people have been getting quotes less than a grand with mods as they have a policy which doesn't change the insurance until the modifications on the car exceed £1500

#12 JGmini99

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Posted 24 April 2016 - 02:29 PM

Get quotes every which way. It may be cheaper to be the named driver and forego the ncb for the first year. Also check out the terms for after you've passed on a learner policy. They really don't like refunding and could be very expensive to convert to a regular policy.

Yeah I know what you're saying but as far as I know it's fronting and with me starting off as a new learner I don't want to be getting any driving convictions just starting off. From what I've heard the change from learner to full license insurance isn't too bad. Someone got learner insurance for around £350 for the year but once they passed got the insurance for £1500 which in my case isn't too bad a price for insurance really

#13 PythonProject

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Posted 25 April 2016 - 09:47 AM

 

It was around £1400 for me to insure a 1275cc with admiral, but you have to provide them with the payment all upfront and then you have to provide photos of the car, no getting away with cheeky arches or anything. In the end I got a 1983(Y plate) Mini Mayfair, 998cc, and declared all my mods, arches, bucket seats, seatbelt harnesses, alloys and a performance exhaust and it was £1700 in total ;D . HIC are very good, however! They're not competitive at all until you have at least one years NCB. They quoted me £2200 :ohno: for my Mayfair, but I definitely will be checking with them again next year  :proud:

was the insurance with the mods and the 1275 without the mods both with admiral? That's pretty expensive from HIC most people have been getting quotes less than a grand with mods as they have a policy which doesn't change the insurance until the modifications on the car exceed £1500

 

HIC will not give you competitive quotes until you're older or have racked up a few years NCB.






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