35 replies to this topic

[mike.]

I'v done a search and read a few insurance topics on here, i'll be ringing footman james tommorow and performance direct to see what they can do for me.

I'll be 17 by the end of the month and have save £1000 for a mini. I'v been offered an amazing 1983 city 998, it has no rust and the engine is mint. Its all standard apart from a set of 12" minilights. I'v been offered the car for £1400 (which i can afford) but the insurance quotes of £1500 i'v been getting from direct line go right out of the window because they wont insure me when its been modified (a set of 12" minilights) unless im over 25.

So i'm just wondering if anyone thinks it'll be over £1500 with minilights on footman james insurance? In one of the topics i was reading i saw sombody had a modded clubman with stage 1 kit, alloys etc who had only just passed there test and only pays £475 on footman james although i'm not sure how old that guy was.

I'm happy keeping the car standard (apart from the minilights) for a while but is it realistic to even drive a car at 17 when your a guy? or should i just give up and wait until im 18 or 19? Its alrite for women, i'v put the same details in but with me as a women and the quotes are half the price!

I'v tryed many companys such as confused.com who quoted me £6500 for a mni with a stage 1 kit, alloys and arches. I'v also tryed adrian flux who are supposed to be youngdriver/modded car specialists but quoted me £2000 for a standard mini!

[Jordie]

minilites were a std fit alloy to many models of the mini and are a common upgrade, so should make that much difference.

Its not like modern cars, replacing the 13" wheel for 19" alloys.

Try a mini specialist, they will understand about the wheels.

[mike.]

Anyone you would suggest?

[mattyoung69]

Try HIC - Herts Insurance...

I used them when I first started driving, motor had been modified and they were by far cheapest.

[mike.]

It says on the site you must be 19? Is that just for an online quote then?

[Lund]

Anyone you would suggest?

Liverpool Victoria, bet they beat any quote you find

Link

[mattyoung69]

No idea, I was 18 when I was with them...

[mike.]

i'll give them a call too then tommorow, i'll ttry an LV quote too

[Lund]

i'll give them a call too then tommorow, i'll ttry an LV quote too

Im doing one now, I will post what I get

[Lund]

1979 Mini City 850

*Interior changes
*Exhaust changes
*Alloy wheels, non standard size/fitment

Cheshire, parked on drive, fully comp, no other named drivers.

Mr Tom Lund, your premium is £1766.97

S*@t !

Without Modifications:

Mr Tom Lund, your premium is £1222.83

LV - youre making a fool of me, I remember gettin quotes of £1032.69 or something like that!

Edited by Lund, 13 June 2007 - 07:26 PM.

[Tomf]

Im with Liverpool Victoria and they smashed everyones elses quotes. I have a modded 1275 cooper and i was getting quotes between 2k-3k but LV insured me for about £1300

[mike.]

Just tryed LV and got a quote of £1200. Thats great but im not sure whether i can pay that monthly or not?

[Lund]

Just tryed LV and got a quote of £1200. Thats great but im not sure whether i can pay that monthly or not?

You could enquire about that
Im told that to get more accurate quotes you have to ring up!

Theres another insurer who insure modified cars, reasonable prices...will come back to me soon

[rhys_lightning]

i pay 200 pound fullycomp for my mini but i'm 26 full ncd but when i was 19 i had a mk1 golf 1.1 and was paying 1500 for that. only payed 600 for the bloody car

Edited by rhys_lightning, 13 June 2007 - 07:40 PM.

[mike.]

Just tryed another quote with me as name driver on my mums policy and it came out at £700 fully comp! Thats half the price of the quotes i'v been getting! also i can pay monthly at 16% intrest which is really low too its usually around 30%

thanks Lund!

Edited by minimadmike, 13 June 2007 - 07:44 PM.