What Mini Club To Join?? For Good Insurance Rates Turbo not delcared?
Turbo Mini Forums

Hi Im just completing my mini as you see from my pictures. im now starting to look for insurance at the moment i am 18 i have a Bmw z3 with CIS on my mothers name Third party fire i pay ?3100. I cant afford this if i join a mini club like cardiff mini club will it reduce my insurance? Plus should i just not delcare the turbo engine and insure as a 998cc fully comp on my name i can get this for ?1000. Please help will they laugh at me if i say its got a turbo engine in it?

Do turbo minis have a club plus would it be fine if i had a decal in the rear side window www.turbominis.co.uk

if you don't tell them you have a turbo engine in there, you may as well have no insurance at all

Team Racing

AS jim says...

Dont be an idiot... if you lie to them you will have no insurance come calim time... or if the police want to check your car out!

Alex

AlexF

so what is there a club to join and theyll insure me for the turbo?

you're only looking at about a 10% discount if that for being a member of a club, try the british mini club about £15 a year.

other than that insure the mini on a limited mileage classic policy and it'll be cheaper. but with you being 18 they'll still bend you over and do you dry!

lol i know it hurts the money insurance drains from me and ive never had an acident or anything im a good driver!!

All 18 year olds think that.

I pay £1676 on my golf. Get over it, insurance is expensive.

well said dude

I paid £2950 per year when I was 21, I had no points, and some no claims, car was garaged, under 6k miles a year, with trakcer fitted, although that wasn't on a mini, I still paid it

Team Racing

What WAS it on?
Some sort of spacecraft?

bmw m3 it was worth every penny, I've now sold the car and I can eat hot meals again

Team Racing

lol!

Just FYI - I just thought I'd phone elephant and let them know that I've changed the alloys on my golf.. My insurance has gone up by £146!!!!

Cheeky fuckers

did they sing a song to you too?

Team Racing

No, but for that money, they really should have done!

at least he didnt ask me for their usual admin fee.

Too right, he was probably too scared to ask you for it!

Why not insure with a specialist Alex...

like HIC, adrain flux?

Alex

AlexF

i paying 3100 on my Bmw and its only third party so im used to paying stupid amounts

jeez, insurance is expensive for u young-uns :)

i used to pay £150 fully comp on my fully declared 3.5L rovered Mk5 cortina 15 years ago. Paying £280 now on my vectra sri.

i just found the cheapest insurance i can find for me Price £3079.81 per annum or £281.80 per month thats nearly as much as my bmw only its fully comp

Well not being funny you have two choices, pay through the nose, or otherwise do what everyone else did when they were 18 and drive about in something that is a low insurance group..........

yup, i had a quality mk2 astra. 1.2 overhead valve, man that was speedy...lol

but it did me for the first 2 years. i think i put about 50k miles on it, it lugged me and my mates all round the country and only ever broke properly once.

Spent to much money on the mini to back out now

My first car was a 1.4 Astra Merit. Then I had a 1.3 'C' Golf. Speed wagons!