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Post by alexlew on May 12, 2010 21:01:13 GMT 1
hi ime new here, ime gerting a mini in the next few days just waiting to sell my current car. ime 20 and got 2 years no claims . were is the best place for insurance ? (when i say best i meen cheap) lol
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Post by boycie101 on May 12, 2010 21:09:49 GMT 1
there are loads of mini specialist insurance firms out there, we with peter james, adrian flux, mini world all good etc stateyou with swm minis + might well get a discount, make sure you get agreed value though otherwise they will give you pennies for your classic car mate should you have a bump  |
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Post by coedy on May 12, 2010 21:20:09 GMT 1
Get agreed value like boycie said! book price for most non limited edition Minis is only around £300. meaning that if you have to claim to get something done that costs more than £150 (including labour and paint and parts etc) they will try and write it off....
Im with Footman&James.
Can't fault them really (yet) they were the cheapest for me by about £300 when i first took it out.
You could get a classic policy which could be cheaper? but then you wont gain any no claims discount...
mentioning the club may get you 10% off in some places.
Other ones I have heard are good are:
PD James.
Adrian Flux.
Carol Nash.
Performance Direct.
Mini world (or mini mag... cant remember which one...)
But it will involve lots of phoning around. compare the market etc will be useless because most companies on there wont allow agreed values... Agreed value is a Must.
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Post by alexlew on May 12, 2010 21:22:30 GMT 1
well ime curently with adrain flux with my clio so that should be good
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Post by alexlew on May 12, 2010 21:24:00 GMT 1
ime not so worryed about my car because my family got theyer own garage and body shop ,
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Post by coedy on May 12, 2010 21:56:09 GMT 1
But if a claim had to go through the insurance (like if the other party filed a claim) your Mini would still get written off?  Even if it is just a 'economical' write of and you 'bought the car back' and got it fixed at your garage you may need an inspection then before your able to get it insured/mot'd again (depending on the damage etc)? That's a lot of hassle to go through when all it takes is 10minutes filling out a form and sending off some Photo's when the policy comes through. Also if it gets nicked you will get £300 back if you don't have agreed value.  If its agreed value and you know the price it would sell for was around £1400 or whatever you put on the form at the start of the policy then you would get the full £1400 back... There are really No advantages to not having Agreed Value. |
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Post by alexlew on May 12, 2010 23:06:16 GMT 1
ye very true if you look at it that way , it is much easyer to do it like that
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ljonez
turbo
Built not bought
Posts: 3,734
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Post by ljonez on May 12, 2010 23:07:21 GMT 1
i was with HIC for a few years cant fault them im now with adrian flux ( which is actually hic's sister company  ) because they where cheaper by £2 lol up untill now no one could come near HIC's quotes |
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Post by alexlew on May 12, 2010 23:27:51 GMT 1
how much would i be looking at roughly ? 20 years old 2 years no claims . no points
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ljonez
turbo
Built not bought
Posts: 3,734
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Post by ljonez on May 12, 2010 23:32:49 GMT 1
how much would i be looking at roughly ? 20 years old 2 years no claims . no points depends alot on where you live, if its garaged if you use it to comute, where its parked during the day, of course engine size and mods etc etc etc when i was 20 (4 years ago) i was paying a bit less than £400 on a stage 1 998cc but i know prices have rocketed since then. your best bet is to get on the phone and get some quotes |
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taffy1967
turbo
Forum cagoule
'1959-2000 Original & Best'
Posts: 4,345
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Post by taffy1967 on May 13, 2010 20:35:23 GMT 1
I agree about 'Agreed Value' and no real Mini is properly insured without it now.
However younger drivers aren't always eligible for agreed value and some classic insurers won't accept younger drivers either which is a shame because I'm sure most would cherish a classic more than a modern chav mobile.
So even if you're very careful, you'll still lose out when some moron rear ends you.
That's why it pays to ring around and I'm currently with Mini Magazine Insurance, which is via Performance Direct on a policy with Equity Redstar.
I'm almost 43 years old and my Mini policy with agreed value isn't notching up NCB though, but it's very affordable and my Mini is well covered.
It might sound daunting right now, but I've had a bump or two and the agreed value made all the difference and saved a hell of a lot of hassle.
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Post by SamuelHorler on Feb 1, 2011 1:41:58 GMT 1
For anyone reading this now, just in case you're wondering. I'm with Footman James, 18 with 0 NCB and for me it's £673. Want cheap insurance? GET A MINI WITH FJ!!
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Post by Eljacko on Feb 1, 2011 13:59:00 GMT 1
For anyone reading this now, just in case you're wondering. I'm with Footman James, 18 with 0 NCB and for me it's £673. Want cheap insurance? GET A MINI WITH FJ!! How did you get that mate? it says they only insure people over 25? |
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Post by rhid_93 on Feb 1, 2011 14:29:48 GMT 1
phone them up they have young persons insurance too
im with them 17 0 NCB £783 mods declared
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ljonez
turbo
Built not bought
Posts: 3,734
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Post by ljonez on Feb 1, 2011 15:12:37 GMT 1
For anyone reading this now, just in case you're wondering. I'm with Footman James, 18 with 0 NCB and for me it's £673. Want cheap insurance? GET A MINI WITH FJ!! How did you get that mate? it says they only insure people over 25? If you read the conditions on line their only for an online quote. |
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Post by Eljacko on Feb 1, 2011 15:20:50 GMT 1
cool i think i will give them a call tomorrow then! ;D
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Post by SamuelHorler on Feb 1, 2011 19:28:28 GMT 1
Yeah there were no problems whatsoever. I didn't even register as a TMF+ member either, but I still got my membership number. |
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) because they where cheaper by £2 lol
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