19 replies to this topic

[Boothy]

Hi just want to know who your mini is insured with, because im going to be insuring mine as my first car fairly soon and would like to be with a good one and a cheap one.

Thanks Jack

[Broomer]

prepare for the Grilling from Jammy or the likes of.

[Gilly2006]

mines with tesco. very good company. im on my mums insurance, for my renewal im gona be paying 404 third party ft, and im 19 in may.

[Shiftymini]

Previous insurance post

1. Sign up to TMF+
2. Get 15% off with Adrian Flux
3. Result

[Racer_Pete]

1. Frequently Asked Questions
2. Misc
3. Best insuance for young drivers.

[*Raz*]

ARG!!!!!!!!!!

[Broomer]

ARG!!!!!!!!!!

Yup just what i thought.

Edited by Broomer, 02 March 2008 - 09:22 PM.

[mike.]

Calm down people.

Heres the FAQ thread on insurance: http://www.theminifo...?showtopic=9672

Unfoutunatly its a topic that gets brought up too often and most questions about it have been answered many times in the past.

You say its your first car - So i assume your young 17/18? I also see it says in your blurb you have a 1275 engine? So just from that i'd adivse you to go straight to specialist or classic insurance.

I'm 17, just passed my test, I'm with Footman James on a classic car policy. The car must be over 15 years old to qualify as a classic but the beniits are great - My insurance is £680 TPFT for a stage 1 998 engine city, with loads of mods - Not bad considering the cheapest 'normal' insurance quote i got was £1200 for a bog standard mini! If your having trouble getting a cheap enough quote try limiting your mileage, adding mum/dad to the policy or raising the excess.

[Broomer]

Be careful though, my friend had an insurance invalidated because the car was registered in his name, yet the insurance policy was in his mothers, with him as a named driver for social uses. after crashing 10 miles away from home on a weekday he might have a court case for driving with invalid insurance or something or other.

[yorkshirechris]

The term the insurance companies use is "fronting" - using another more experienced driver as a "front" for obtaining cheaper insurance on a car that you yourself will be the main driver of.

[mike.]

Yeah if you claim your mum/dad is the main driver on the policy and the insursnce finds otherwise your insurance can be invalid. However simply adding them as a named driver is fine - Brings down the quote by about 5% on average and TMF+ discount is 15% with certain companies - Also the Pass plus scheme knocks off about 20% in your first year!

[A KIRK]

There is no need to sign up to any club for a discount on insurance, all they ask is are you a member of a club and if so which one, I jusr named a few when I got my insurance, some times they ask if you buy the mags etc, but all there after is trying to get a feeling if you are a true enthusiast or not.

Also bare in mind when most insurance companies say there give you a discount for xyz they have nornmally already loaded the premium in the first place.

As a first car you won't get classic cover on it, so go with the big boys, ring all the free phone numbers in the yellow pages etc

[minislapper]

And, if you've paid a lot for your car, make sure you get it on an agreed value policy or the cover won't be worth the paper it's written on if you need to make a claim!!!

Check what you actually get for your money. Just because something is cheaper, doesn't mean it is the best cover!

[mike.]

As a first car you won't get classic cover on it

I've got classic cover on my first car and i know i've seen loads of people saying they have classic cover when they are 17/18.

[A KIRK]

Really? cool I was under the impression insureres wouldn't do it, so is it a lot more money?

Well I stand corrected.