Young drivers Insurance

Post by **maverick** » Mon Jul 20, 2009 6:36 pm

Im about to turn 19 in a couple of weeks and am having a little bit of trouble with cars and insurance. Before i buy my first morris minor i was wondering what other people around a similar age are paying for they're cars? And what size engine they have oh and declared mods etc.
Thanks for the help

Post by **Blaketon** » Mon Jul 20, 2009 7:09 pm

We've all been through it!! When I first had my MG Midget, back in 1984, I seem to recall that TPF&T was about £160.00 per annum. Two years earlier, aged 17, a Mini 1000 had cost me £148.80 (If I remember rightly - my first policy) to insure. With best part of two years NCD, the Group 5 MG was down to around what the Group 1 Mini had cost initially (There were then only 7 Groups), so if you stay out of trouble, it does get better (Or at least it did).

I found that "Classic" insurers don't like you until you're over 21 and ideally 25. What I would say is forget engine mods. If you feel inclined to modify, improve the brakes and tweak the chassis. This is something that needs to be right before the BHP increases. Whatever you do, tell the insurance company. If you don't, you could find yourself uninsured. No insurance company is going to complain because you have a car that now slows down faster.

I would have thought that a standard Minor, whether 918, 803, 948 or 1098 is going to be about the easiest car on which to get cover. I suspect that you would be perceived in a different light to the Max Power Prattmobile driver. Are you in the MMOC yet; that may help?

With regard to young drivers, yes I know about all the stereotypes and judging by some of the morons I see driving (And the ones I saw 25 years ago), in many cases, it may well be justified. However, the only person I ever saw lock up trying to overtake, over a brow, going into a roundabout, was 65 if he was a day. He locked up and careered on to the middle of the roundabout. He then reversed back, nearly hitting a car which had come around the roundabout and went wheelspinning off up the road. He was one of the biggest lunatics I ever saw and 25 years ago, it was a useful story to throw back at some of the "You young driver" merchants!!

Post by **rayofleamington** » Mon Jul 20, 2009 9:27 pm

The MMOC insurance scheme is available to young drivers and should be considerably less than insuring a modern car. If you get any problems for them to quote you, please contact the MMOC office in Derby.

I waited for insurance to get cheaper at 21 - it didn't. Then the same again at 25. At least by 30 prices stopped going up for me - but for young drivers it's gone loopy.

Post by **hotrodder13** » Mon Jul 20, 2009 10:04 pm

im 17 and have a 1098cc 2 door with servo and disk brakes i joined mmoc for 26 pound and my insurance was £603.00 third party fir and theft and 900 fully comp from footman james but you have to be a member. compare to the £2500 i got quoted from LV.

Post by **maverick** » Mon Jul 20, 2009 10:38 pm

Thanks guys i will give fj a ring tomorrow and look at becoming a proper member of the mmoc. Hotrodder you dont by any chance have a black 2 door? i have seen one driving around sometimes near uni??

Post by **moggie-tom** » Mon Jul 20, 2009 11:23 pm

FJ are certainly the best choice. I'm also 19 and insured with them TPFT for £600. Like hotrodder says you have to be in the MMOC for them to insure you but you don't get any discount.

Post by **hotrodder13** » Tue Jul 21, 2009 6:52 am

no i have a blue 2 door its been in the garage for 5 weeks and its finally coming out 2night i cant wait to drive it again.

Post by **ASL642** » Tue Jul 21, 2009 12:50 pm

To qualify for the Young Driver Scheme you have to be a member of MMOC first and have a membership number to quote to Fj. The scheme was especially set up for our younger members so they could drive their cars as soon as they had passed their test

.

Post by **limegreen** » Tue Jul 21, 2009 10:56 pm

I'm considering this as, so far, the lowest quote I've had has been £900 for third party, fire and theft.

Post by **moggie-tom** » Wed Jul 22, 2009 1:00 pm

I'm considering this as, so far, the lowest quote I've had has been £900 for third party, fire and theft.

Probably be even cheaper for you being a female...

Post by **limegreen** » Thu Jul 23, 2009 12:17 am

moggie-tom wrote:
I'm considering this as, so far, the lowest quote I've had has been £900 for third party, fire and theft.
Probably be even cheaper for you being a female...

...Good point! Bless these boobies!

Post by **Blaketon** » Thu Jul 23, 2009 2:36 pm

These insurance quotes for young drivers make me shudder, though clearly it looks like a Minor offers a less painful alternative.

I reminded me of when my grandfather bought an XK 140 Jaguar (Before my time) and had my father (Then aged 18 or 19) as a named driver. The premium was £60 per annum. No doubt a fair amount of money but by comparison to today, it sounds quite mild, especially when you realise that an XK 140 was one of the fastest cars you could buy.

Post by **Blaketon** » Thu Jul 23, 2009 2:37 pm

limegreen wrote:
moggie-tom wrote:
I'm considering this as, so far, the lowest quote I've had has been £900 for third party, fire and theft.
Probably be even cheaper for you being a female...
...Good point! Bless these boobies!

And you have longer life expectancy too

.