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Post by harrison on Jul 3, 2009 16:33:58 GMT 1
heyy, anyone have any ideas where i can get decent priced insurance,
im 17 so its going to be highish, and i have just bought a 1990 mini studio, 1 litre but been modified to 1.1L, any recomendations would be really helpful! thanks all :]
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TAFF
1440cc
What was the Best thing BEFORE sliced bread ?
Posts: 2,930
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Post by TAFF on Jul 3, 2009 16:39:46 GMT 1
Jamie Jones has recently passed his test so may be able to help you.
I'd ring a few of the companies in the mini mags,
I've seen what they charge younger drivers these days and its usually more than the value of the car .
Good luck and let us know who you go with.. could be a recommendation for other young drivers..
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Post by craig2301 on Jul 3, 2009 18:14:06 GMT 1
Im 18 and with yes insurance paying £900 for a 1 litre
best time to get a quote is at the very end of the month (usually cheaper because of the amount of renewals)
Your best bet is to do a quote with comparethemarket.
What capacity is it on the log book at the moment ?
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Post by coedy on Jul 3, 2009 18:51:16 GMT 1
dont forget AGREED VALUE!!!!!!!!
No agreed value, means your screwed in an accident and it will definitely be a write off (book prices for Minis is between £250 and £300...)
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taffy1967
turbo
Forum cagoule
'1959-2000 Original & Best'
Posts: 4,345
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Post by taffy1967 on Jul 3, 2009 18:54:56 GMT 1
Although I believe to be eligible for 'Agreed Value', your Mini will probably need to be garaged overnight. Or at least parked on a drive? At least that's how it goes with my insurers anyway.  |
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Post by coedy on Jul 3, 2009 18:59:58 GMT 1
mine is classed as being kept on the drive. but as far as im aware my insurer doesn't care where its kept?
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Post by harrison on Jul 3, 2009 19:05:31 GMT 1
just done a quick run around online, and have found compare the market was stinging me for over £4000! after a quick google search for ' mini specialised insurers' i found a site which was giving me a quote of £1300! cheapest ive seen on my 'hunt'! haha thanks for the help! ill try it again at the end of the month to see what the differnece is!
i havnt checked the logbook as i bought the car from ebay. should be picking it up monday!
Just got to work for the money nowww!
Anyone in Swansea need any work? haa! or has a job to give away?
thanks, Hazz
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Post by harrison on Jul 3, 2009 19:09:56 GMT 1
the estimated value for a mini is 2-300 ?
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taffy1967
turbo
Forum cagoule
'1959-2000 Original & Best'
Posts: 4,345
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Post by taffy1967 on Jul 3, 2009 20:01:02 GMT 1
mine is classed as being kept on the drive. but as far as im aware my insurer doesn't care where its kept? They will if it gets nicked or torched etc overnight from anywhere other than your drive. Insurers will use any excuse to not pay out if they can. So I really wouldn't give them an excuse. Mind you it does worry me as to where we'd stand if our Minis are parked overnight at a campsite or a Travelodge? |
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taffy1967
turbo
Forum cagoule
'1959-2000 Original & Best'
Posts: 4,345
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Post by taffy1967 on Jul 3, 2009 20:04:31 GMT 1
the estimated value for a mini is 2-300 ? Yes I'm sure it varies on condition and age? Either way you'd have a whole load of grief fighting to get a bigger pay out if you don't have agreed value on any Mini. You'd have to prove to the uncaring insurers that a Mini is worth a few bob, via the ads at the back of the Mini Magz etc. But even then, you'd probably loose out compared to what you'd be entitled to if it was properly insured thanks to an agreed value policy. |
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Post by coedy on Jul 3, 2009 20:09:31 GMT 1
yep. ive no idea where it would stand if it were nicked from anywhere other than your drive...
when my car got ran into i needed a new door (only a new door), they said new heritage doors including fitting and labour and spraying is around £250. then they showed me the car value guide and for a austin mini city e it was 300. they really dug their heels in, and we had to really dig our heels in to even get the car back as they wanted to write it off....
(for the cost of a door...)
hence. agreed value is more important than even getting insurance in the first place...
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Post by welshjosh on Jul 3, 2009 20:32:55 GMT 1
Im going to go under my dads name and put diff wheels and seats so i can still claim in a crash
Fully comp, breakdown cover, courtesy car and all the rest £1500 and £250 exs
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Post by coedy on Jul 3, 2009 20:51:40 GMT 1
best off adding the mods to the policy mate... if your in a bigger than average accident they will send off pics from the compound, meaning your not going to be able to change them back.. then youll have no legal cover, no car, no payout for injuries and no pay out for the car, and if the accident is your fault you'll have to pay out to the other person from your own pocket.....
worth it for a set of wheels, roll-cage and seats?
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Post by boycie101 on Jul 3, 2009 20:56:00 GMT 1
mine is classed as being kept on the drive. but as far as im aware my insurer doesn't care where its kept? They will if it gets nicked or torched etc overnight from anywhere other than your drive. Insurers will use any excuse to not pay out if they can. So I really wouldn't give them an excuse. Mind you it does worry me as to where we'd stand if our Minis are parked overnight at a campsite or a Travelodge? should be ok mate + sure it says in insurance where is the car usually parked and have to allow for people going on hols + daytrips etc |
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Post by craig2301 on Jul 3, 2009 21:24:21 GMT 1
Also going under parents names isnt such a good idea because most of the time you dont get the no claims bonus which means you will be stung year after year ...
best off going with someone that gives you no claims but add your rents as additional drivers , more expensive to start but it will pay off in the long run
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Post by Phil J on Jul 3, 2009 21:42:39 GMT 1
Jamie passed his test last month aged 17, I searched everywhere and the best we could find was Tesco insurance, in his mothers name, fully comp for £1300. £250 excess, it's valued with them for £1000 , They will also transfer his no claims after the first year.
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Post by craig2301 on Jul 3, 2009 22:01:34 GMT 1
im sure insurance is becoming more and more expensive i just done a quote for mine and it came to £1300 with yes insurance but im only paying £900 at the moment with exactly the same details. did a quote with my girlfriends details and it was only £550 and shes 19 sexism at its finest lol |
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Post by Phil J on Jul 3, 2009 22:04:29 GMT 1
It was on top gear last week that on average 17 year old girls insurance is half the the price of 17 year old boys  they suggested cutting off your bits but I wouldnt recomend it  |
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Post by craig2301 on Jul 3, 2009 22:13:07 GMT 1
I think i'd rather pay a bit more on my premium thank you  That was a brilliant episode aswell .. roll on sundays one  |
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Post by harrison on Jul 3, 2009 22:14:18 GMT 1
gees! whatever hapens im gonna be stung in the ass! well on my mums fiesta 1.2 they were trying to get me to pay 4500! but then you get random low ones for like 1500! think i better just keep hunting till the end of the month, but save the quotes.
minis are suprisingly cheap on insurance
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they suggested cutting off your bits but I wouldnt recomend it 
