140 replies to this topic

[mfletchers]

Despite being 27, I often get treated like an under 21 because I just came over from Australia, and trying to get any of the insurance companies to accept an Australian driving record or history is very difficult. My experience has been this: Direct Line charged my over £700 a year for my 35 and I had a £500 excess and then they wrote the car off after an accident and offered me £1000! I am currently waiting for adjudication from the ombudsman on that one, however I am never doing 'market value' insurance on a mini ever again.

On the other hand, it looks like I am going to take out insurance with Footman James, as they will give me agreed value cover, and a £100 excess, for £280 a year. The main reason for this is that they accept my Australian license (after all, I only had to send it in to Swansea and they sent me a UK license without me needing to do a test or anything). This is on a limited miles policy of 4500.

The moral of the story is that the really big companies with their phone drones couldn't be bothered competing with smaller specialists when there are complicating factors (such as driver nationality, classic car status etc.)

Maybe this will help someone else.

Cheers,

[twiggy]

I found that Tesco were quite good. I'm 18 and they didn't gasp at the fact that i'd modified my mini. I paid just under a grand on my 998.

oh my god a grand!!!!!

Im with the AA. im 21 had my license taken away for medical reasons, so classed as a disqualified driver, even though ive got my license back. Fully comp with the AA for a 1978 mini 1000. costs me �245.69 a year!!! Only me on the policy!

Have to be born before 1983

[sazal]

Im 18, just about 2 insure my mini for the second year and its £560 TPFT with Footman James....

[twiggy]

I'm 19 and pay £336 for a years cover on a 1987 998cc advantage, thats with 1 years NCB and garaged overnight, no commuting, on a limit of 3000 miles a year but still a great rate x

Edited by twiggy, 19 February 2008 - 11:43 AM.

[wayneb911]

I'm 19 and pay £336 for a years cover on a 1987 998cc advantage, thats with 1 years NCB and garaged overnight, no commuting, on a limit of 3000 miles a year but still a great rate x

Im 27 and pay £112 a year with swift cover for my city, my Porsche is also only £324 fully compe with agreed value of £20K thats with performance direct who are good with youngsters, i have 4 years no claims.

[RobG295]

I'm with RAC, 19, two years no claims, low risk post code, £590 fully comp on an 88 998cc mayfair, including exhaust mods and alloys...I seem to remeber you can get another mod aswell, you get 3 free for the same price as one!!

Rob.

[mini_toaster]

no one wants to insure my 1275 mini =[ im 18

[Mini_Magic]

no one wants to insure my 1275 mini =[ im 18

Have you tried Elephant or Adrian Flux?

[mini_toaster]

no one wants to insure my 1275 mini =[ im 18

Have you tried Elephant or Adrian Flux?

yeah adrian flux got my company for 1600. elephant somehow manage to come up with nearly 4grand on TPFT, dunno how that managed it

[df13]

hey, i've got a sprite 1275 spi and i'm 17 and the cheapest i've been quoted is £1600 and i was just wondering if anyone has a 1275 when they were 17 and got it any cheaper? and where etc lol cheers in advance

David x.

[DFulton]

I've been driving 1275s (a sprite and now an MPI cooper) since I was a 19 year-old student. That's just over ten years now, but the most I've ever paid was £650 after I lost my entire no claims due to my sprite being vandalised when I was a student. Shocked at the amount people seem to be getting quoted now - obviously my no claims / age is helping me more than I thought - now got the cooper insured Fully Comp, including commuting and driving other cars, plus my girlfriend and mum for under £350 with Elephant. I've never compromised on excess either - currently £160 IIRC.

Would suggest the following though:

Limited mileage (even dropping to 8000/year can help)
Pass Plus (I did it the year it came out, but lots of insurers seem to recognise it now)
Institute of Advanced Motorists course
Look into putting another person on the policy. A low risk person has sometimes dropped my premium a little.

The third option is only recognised by a few insurers, but you do get eligibility for IAM select insurance, which is usually quite competitive, and the course offer a discount for drivers under 25 (I think it's about £50 for the course and test - with a policeman in the passenger seat, gulp). Highly recommended anyway, for the price!

[samwell]

I found that Tesco were quite good. I'm 18 and they didn't gasp at the fact that i'd modified my mini. I paid just under a grand on my 998.

thats quite interesting. I rang up tescos to declare my modifications (stage 1, wheels, arches) on my 998 and they said i could not insure mods under 19. When i am 19 i can declare visual mods and 20 for performance mods. So i am currently driving a "standard" car looking for another car to get til im 19 and can start my own policy with HIC or someone similar.

[mini_toaster]

I just tried tesco. they wont insure me (and i work there >.<)

Adrian flux is only one so far... anyone got any other recommendations?

[WayneB]

I've heard from a few people that Quinn Direct are quite good for young drivers Never tried them myself though

[*Raz*]

I was with Dial Direct when I had my first car, they were pretty reasonable

Now Im with Elephant, dont go there!

x