20 replies to this topic

[McLeod9]

I have a 94 cooper spi and I'm going to be fitting a minisport stage 1 kit soon. Who is the best insurers considering I'm going to be driving it straight after I pass my test?

[minbin2010]

well if i was you i wouldnt put the stage 1 on it until ur driving for a while bcos insurance these days for 17 years oldsis horendus u im been quoted 2500 for a 1985 city e 998 so wudnt want 2 no what insurance for a cooper is let alone with a stage 1 kit on

[AVV IT]

I have a 94 cooper spi and I'm going to be fitting a minisport stage 1 kit soon. Who is the best insurers considering I'm going to be driving it straight after I pass my test?

Ouch.... I don't fancy your chances of getting anything anywhere near affordable unless your gonna make use of someone elses policy & no claims bonus. If you get yourself as a named driver on a policy in your parents name then it maybe more of a realistic possibility. You could try some of the specialist mini insurers like "HIC" or "Adrian Flux", or you might even be better going to one of the specialist high risk brokers like "performance direct". I think I would leave the stage 1 kit off for a couple of years if I were you, as that will just hike an already high premium even higher!

Edited by AVV IT, 02 October 2010 - 07:56 PM.

[mikey72]

Footman James would be ok if it was standard.
If you can provide the measured bhp they would quote with the stage 1 kit.
Could be pricey though.

[Topaz]

I have a 94 cooper spi and I'm going to be fitting a minisport stage 1 kit soon. Who is the best insurers considering I'm going to be driving it straight after I pass my test?

If you get yourself as a named driver on a policy in your parents name then it maybe more of a realistic possibility.

yes you can do that but have an accident they won't pay out as it's illegal - unless your parent really is the main driver. Insurance companies are being a lot stricter about this now and there has been a lot of press comment. Is it worth the risk - kill someone in an accident and you could be paying for it for the rest of your life

http://www.bbc.co.uk/news/10241769

http://www.moneyhigh...ing-is-illegal/

http://www.fancyacar...rance/fronting/

http://www.financial...r-children.html

[McLeod9]

My brother was driving it before me without the stage 1 kit and he was only paying £800 a year on a insurance company called cover box. But he started driving it when he was 18, not after he passed his test. And I wish I could speak to the lads in the august issue of mini magazine because they're all 17 and they have stage 1 kits.

[mikey72]

My brother was driving it before me without the stage 1 kit and he was only paying £800 a year on a insurance company called cover box. But he started driving it when he was 18, not after he passed his test. And I wish I could speak to the lads in the august issue of mini magazine because they're all 17 and they have stage 1 kits.

Probably a classic car policy with Footman James.

[AVV IT]

I have a 94 cooper spi and I'm going to be fitting a minisport stage 1 kit soon. Who is the best insurers considering I'm going to be driving it straight after I pass my test?

If you get yourself as a named driver on a policy in your parents name then it maybe more of a realistic possibility.

yes you can do that but have an accident they won't pay out as it's illegal - unless your parent really is the main driver.

I'm not advocating the illegal practice of "fronting" but on reflection I do acknowledge that I probably should have phrased my previous post a little better. There is a very distinct difference between buying and registering a car in your parents name with you as a named driver as opposed to insuring what is blatently your own car, that is kept at a different address in another persons name and declaring yourself as an occasional driver when clearly you are not. The key difference is not declaring someone else as the main driver if they are not.

It is possible and pefectly legal to insure yourself as the "main driver" on your parents policy and still take advantage of their no claims bonus. So long as it is actualy their car and registered in their name. They are not actualy required to drive the car themselves or even have a driving licence for that matter in order to hold the policy. This is how many personal chauffers are insured and it is also common for elderly and disabled people to have this sort of insurance to allow a carer or some one else in their family to do the majority (if not all) of the driving for them!

[Dolly 89]

I have a 94 cooper spi and I'm going to be fitting a minisport stage 1 kit soon. Who is the best insurers considering I'm going to be driving it straight after I pass my test?

If you get yourself as a named driver on a policy in your parents name then it maybe more of a realistic possibility.

yes you can do that but have an accident they won't pay out as it's illegal - unless your parent really is the main driver.

I'm not advocating the illegal practice of "fronting" but on reflection I do acknowledge that I probably should have phrased my previous post a little better. There is a very distinct difference between buying and registering a car in your parents name with you as a named driver as opposed to insuring what is blatently your own car, that is kept at a different address in another persons name and declaring yourself as an occasional driver when clearly you are not. The key difference is not declaring someone else as the main driver if they are not.

It is possible and pefectly legal to insure yourself as the "main driver" on your parents policy and still take advantage of their no claims bonus. So long as it is actualy their car and registered in their name. They are not actualy required to drive the car themselves or even have a driving licence for that matter in order to hold the policy. This is how many personal chauffers are insured and it is also common for elderly and disabled people to have this sort of insurance to allow a carer or some one else in their family to do the majority (if not all) of the driving for them!

when i was looking for insurance as soon as i said i was the main driver i was told you have to have the insurance in my own name its fraud not to if i was the main driver. i kept arguing the point that it is mmy dads car and he is the registered keeper but i just kept getting told that i had to be the registered keeper and have the insurance in my own name. just be very careful if doing something like this it is very risky and can turn out very badly

[AVV IT]

when i was looking for insurance as soon as i said i was the main driver i was told you have to have the insurance in my own name its fraud not to if i was the main driver. i kept arguing the point that it is mmy dads car and he is the registered keeper but i just kept getting told that i had to be the registered keeper and have the insurance in my own name. just be very careful if doing something like this it is very risky and can turn out very badly

In which case maybe I should have said that this certainly "was" possible. I had this sort of insurance myself up until fairly recently, it may of course have since changed.

[Dolly 89]

when i was looking for insurance as soon as i said i was the main driver i was told you have to have the insurance in my own name its fraud not to if i was the main driver. i kept arguing the point that it is mmy dads car and he is the registered keeper but i just kept getting told that i had to be the registered keeper and have the insurance in my own name. just be very careful if doing something like this it is very risky and can turn out very badly

In which case maybe I should have said that this certainly "was" possible. I had this sort of insurance myself up until fairly recently, it may of course have since changed.

this was about 2 years ago now though but it may only be certain companies that do it then

[McLeod9]

Well the mini is registered as my dad's car and he bought it, it also is registered at my dad's home address so surely it should be okay? I will be a named driver but I'm not sure If I'll be driving it more than him or not as I'm paying for petrol.

[JonnyBMX]

im 18 with stage one on my 1275, a years insurance fully comp was just over £1300... so if you go to the right company u can get a better price

[adam_93rio]

my second year of driving cost me £463 with footman james. thats for a 1275 stage one with hilos, alloys, stereo and fibreglass front all declared. amongst other bits andd peices but they are main mods. it doesnt have to be expensive, just call a classic insurer and get a classic policy.

oh by the way im 20 but it wasnt much more when i got a quote as an 18 yr old.

[the.stroker]

Moved to insurance area