Why am I getting quoted ridiculous prices for a mini?

[guest698]

I can not get my head round this. I am getting quoted £2500 to be insured on a classic mini with a 1275 engine! I currently have a car with a 1000cc engine and my quote is £1100. Can anyone help? I am 19 by the way.

[Diablos-666]

try getting a classic car policy - it will be much cheaper

MSM is a good bet?

[edo]

guest698 said:

I am 19.

here is your problem.

[Mini1275]

Try and get a 998 if you want a mini, should save you near to a grand and if tuned well will feel as fast.

[Mr Gear]

Mini1275 said:

Try and get a 998 if you want a mini, should save you near to a grand and if tuned well will feel as fast.

If tuned... the insurance company will hit the roof... right?

[guest698]

I read an article (I think on pistonheads), that when you put in your details with regards to engine size, the quote doesn't change within the ranges of 1000cc to 1400cc.

[DavidHM]

guest698 said:

I read an article (I think on pistonheads), that when you put in your details with regards to engine size, the quote doesn't change within the ranges of 1000cc to 1400cc.

Wharrgarbl? WTF? It might be the same but therisk is rated on the car, not the engine.

[Ben Hughes]

Uh, classic insurance?

Peter D James. I bet you a tenner you will get a quote for under £800.

[Mini1275]

Mr Gear said:

Mini1275 said:

Try and get a 998 if you want a mini, should save you near to a grand and if tuned well will feel as fast.

If tuned... the insurance company will hit the roof... right?

Sorry, i ment put it on a rolling road, getting it set-up properly by a mini specialist etc.

[guest698]

Do they quote for 19 year olds and in NI?

[130R]

Ben Hughes said:

Uh, classic insurance?

Peter D James. I bet you a tenner you will get a quote for under £800.

You need to be over 30

[eybic]

guest698 said:

Do they quote for 19 year olds and in NI?

I suspect the NI bit is your major problem.

[Stitch]

Ben Hughes said:

Uh, classic insurance?

Peter D James. I bet you a tenner you will get a quote for under £800.

If you go classic, make sure it is a policy that allows you to build no claims discount (if such a thing exists).

If not, you will be just putting off the inevitable screwing from the insurance industry.

We seem to be getting one of these types of post a week at the moment. Insurance is expensive for everyone due to a combination of factors (number of uninsured drivers, personal injury claims, the extra kit that is in modern cars - the addition of air bags for example must have had a fair impact on the average repair cost).

The answer to expensive insurance for young drivers is the same as it always has been - get a cheap, low powered car and build up some no claims.

[varsas]

130R said:

Ben Hughes said:

Uh, classic insurance?

Peter D James. I bet you a tenner you will get a quote for under £800.

You need to be over 30

nah, but in my experience you need to be over 21, and have another 'main' car to get a classic (actually, most people call it 'cherished' so you can have fairly new cars on it) policy. It also helps if you are a member of a recognised car club (piston heads don't count I'm afraid!) Or did you mean you need to be over 30 for a policy from Peter James?

[guest698]

You see this would not be my main car but a second car. I have a main car with my own policy. So does anyone know of any classic insurers in NI that insure 19 year olds?

[Ben Hughes]

130R said:

You need to be over 30

Look at my profile. I'm 18.

[guest698]

Yeh, Peter James don't quote NI