Hi all,
i've got a Mini one because it was the cheapest to insure but at the moment i'm still paying around £5000 a year for insurance ):
im 17 which having a mini seems pretty stupid but i wanted a mini and its the only car ive wanted..

please help (:

Thanks
Josh

I was with admiral for my first year. I was driving a brand new 57 plate mini one and paid £2300 with pass plus.

Depends what and when you want to use your car. Co-op fit a smart box system and cost is low but so are your options. My nephew, 18 to go to college, home by 10pm, no speeding had higher estimates than yours and is now driving around with a smart box on doing what he wants in a Corsa for £570. Not for everyone.

Admiral only paid £1200 bonus of having boobs i suppose

Thanks everyone i'll give Admiral a try,
Yeah would be a lot easier to be a girl haha

Jdobson wrote:

Thanks everyone i'll give Admiral a try,
Yeah would be a lot easier to be a girl haha

Haha always is when if comes to insurance only pay £800 now with all my mod covered! good luck buddy x

I'm only paying £495 now

Elephant
Direct line
Quinn direct

Have you tried adding a parent as a named driver, that usually brings the premium down.

The Mrs MINI wrote:

Have you tried adding a parent as a named driver, that usually brings the premium down.

Hey this is very true! I've done it for mine and it brought the premium down by a fair bit

I am 18 and had a Mini for my first car. I was with Quinn for my first year, but they are rubbish for mods. Now i am with Aviva, been really good on my new mini. I have paid £1700 for the year, and i had my £5700 payout when i crashed my first Mini. I also added my mum and dad to the policy.

haha i just got quoted £9000 for myself(:

gunna get my mum to go on for me to bring it down,
thanks everyone for helping, i appreciate it(:

many thanks

Josh

Josh, it sounds to me like there must be something you are telling the insurance companies to make them think you are a higher risk?

Few things to double check - they have the right registration, make and model of your MINI, check its HPI clear? Check they don't think its a hot hatch with loads of modifications... make sure they have your correct date of birth etc etc... It may be your post code that is pushing it up... or that its not garaged over night.... Maybe try having a group policy for the family (assuming you have other cars in the family)..... You could ask the insurers if they make reductions for advanced motorists (then go take the course/test)

http://www.iam.org.uk/do_you_want_to_be_a_better_car_driver_/doyouwanttobeabettercardriver.html

The Mrs MINI wrote:

Josh, it sounds to me like there must be something you are telling the insurance companies to make them think you are a higher risk?

Few things to double check - they have the right registration, make and model of your MINI, check its HPI clear? Check they don't think its a hot hatch with loads of modifications... make sure they have your correct date of birth etc etc... It may be your post code that is pushing it up... or that its not garaged over night.... Maybe try having a group policy for the family (assuming you have other cars in the family)..... You could ask the insurers if they make reductions for advanced motorists (then go take the course/test)

http://www.iam.org.uk/do_you_want_to_be_a_better_car_driver_/doyouwanttobeabettercardriver.html

Make sure that you dont twist the truth though lol. Dont say its in the garage if it isnt going to be.

Harry is right... you need to be 100% honest, just that I do think you need to understand what it is that is pushing your premium up so high....

I think it has got a bit to do with where I live ): which sucks,
I turn 18 I'n 26 days so I'll wait until then to buy my new insurance, but I'll have a look at quotes with me being 18 and having my mum on insurance to,

Thanks(:

When did you pass your test. Pass plus?

Admiral were great for me too... Only thing is every change you make tends to carry a £25, or something like that, admin charge. But if you debate enough with them you never know!

Every company I've been with hasn't changed their price when I've said I've got pass plus. I'd still do it though as its worth it for the experience more than anything.

Have you got commuting on your policy? When I first passed commuting added a LOT to my quote, so I knocked it off.

Definitely don't lie though - they'll do their best to invalidate your insurance! Also a higher excess may work for you, I raised my excess dramatically and it caused my quote to drop by about the same as I increased the excess...

Also the amount of miles you do makes a difference .....

i passed at the start of may 2011, so only a few months passed, i never took the pass plus because my driving instructor told me it doesn't really change your insurance any more/:

at the moment i think the only way i could get cheaper insurance is if i put my mum as named driver /:

insurance has gone down loads (: £1800 now yay

Fab' news Josh. I am really pleased for you. Gives me hope for my Son!

Good news! Mines only just become acceptable

wicz wrote:

Good news! Mines only just become acceptable

How much you paying now mate?

Andy wrote:

wicz wrote:

Good news! Mines only just become acceptable

How much you paying now mate?

£800 on an admiral multi car with my parents cars