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

this mini is my first car i had it with a 998cc the thing thats crippling me is its cheaper to insure a convertible Bmw valued at 10k wheres the sense

I thought the bmw was in your mums name, thats why its cheaper

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yea thats right 6k they wanted on my own name but i want to start building up my no clams so ill have to lump it

I must confess, when I was younger, I drove a 998 that was a modified 1275 in reality.


Kept the 'tin' rocker cover, plastic airbox and even that funny tin thing that pulled hot air off the exhaust (with an LCB underneath it!). Looked very nice and standard.

No way you can ever get away with a 'turbo' engine as a 998 mind...

TD, we've all done that
my clubby was one of those magic 1275-like 998's!

Yes been there done that as well.

My best coup de gras was when I told the insurance company that I was fitting a maniflow LCB and system, as the original replacement exhaust system for my 1970 Mini Clubman Estate was obsolete, and so this was the only exhaust that was available. They asked "Will it increase performance" I replied "No I don't think so, it is supposed to be more economical"

I got a letter back saying that my car was registered as being fitted with a modified exhaust, no extra charge, thank you very much.

Soup-Herb! I'll try that one next time

lol imaging being stoped "turbo engine?? is it i thought it was a 1000 cc" do you think thed let me off ? lol

No.

And more to the point should you happen to have a serious accident, whether your fault or not, the insurance company will inspect your car. If they find undisclosed modifications they are well within their rights to withdraw cover, and they most probably will. Now think of the scenario that you had a spin and hit a car with a family in it, injure them all and now the main earner cannot work. So you are being sued and faced with a huge compensation bill, and have no insurance to cover it.
No good using the "I would return it to standard before they inspect it" as if you are in hospital with a broken leg you are not going to be doing much work on a car.
Sorry to be a bit morbid but insurance is the one thing you CANNOT afford to bugger about with.

At the end of the day, if you can't afford the insurance get a different car.

So let us go over a few things again, You're 18 and have a Z3, and you're complaining about the cost of insurance?

Am I missing something here?

i must be missing it aswell....do your parents want to adopt dude? i'd only ask for a skyline

I love this thread.

yes you are a brain

Hmm, am I being stupid/not read the thread properly, but I don't get that.

am i right in thinking that you could buy say a crappy 50cc moped, get that insured and gradually build up no claims with that? say for a couple of years. So put the mini in your mums name too and then build up the no claims on moped insurance? u wouldnt have to tax/run the ped, just insure it, it wouldnt be much and at the end of it you would have no claims bonus for nearly nothing?
forgive me if i have been malinformed and am sprouting shit.
When i was 18 i was paying 1174 a year for a 1.0i pug 106 3rd party and now i am 22 i am fully comp for around 400 i think. I am hoping my mini insurance will be low cost as it will be
a) a second car
b) limited mileage
c) i'll have 4 years no claims by then

however if i do get shafted i'll just use the ol' student loan to pay .... cheers for paying taxes you lot

Edited by wethepeople on 20th Apr, 2005.

NO LONGER A <3 lover of BOLT-ON plastic <3 .... (and DOUBLE proud of it)

i wish you could do that with a moped, i have 2 years no claims for that, the thing is you cant transfer the no claims from the bike to a car so you have to start from scratch :(

That would be nice few years no claims. Looks like my mothers name ill have to go on! Do you think she`ll drive it lol where you from in cardiff wethepeople?

i'm not from cardiff! I live nowhere near infact! I live south east england! I think the only people even slightly near me on this forum are Alex B and Nicky.
Its gonna be real hard for you with 2 cars in your mothers name, you're never gonna have no claims :o you'll be paying through the roof forever! unless there is a significant drop after 25years even with no no claims ..... i would say i feel bad for you but thats the price you pay for owning good cars i guess :)

NO LONGER A <3 lover of BOLT-ON plastic <3 .... (and DOUBLE proud of it)

What i dont understand is how the insurance is so expensive for him..?
Last mini i had i paid £360 fully comp.
I was 19.

well when my mini is 12 month moted and insured i will be selling my bmw it is for the summer realy. thats a good price at 19 alex.

For some reason wethepeople i thought you were from cardiff lol my mistake

insurance try £7ooo a year?????????????????? road tax £1400 a year

What the hells that for? wWhy the hell the tax so much?

think bigger than a car and you'll get the idea....

NO LONGER A <3 lover of BOLT-ON plastic <3 .... (and DOUBLE proud of it)

no silly Luton van

Team Racing