1.6 mini for first car (17 year old)

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kiah_cowie
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I want to get a mini as my first car as I am planning to be passed soon but I cannot find out how much the insurance would be roughly, does anyone have any idea?
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Dysf(x)al
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(Original post by kiah_cowie)
I want to get a mini as my first car as I am planning to be passed soon but I cannot find out how much the insurance would be roughly, does anyone have any idea?
Run some quotes yourself. It could vary considerably depending on where you live and your gender (males have higher premiums), as well as factors like where the car will be kept when not driven (influences theft risk). Also, you didn't even say the year or model of the car.

A Mini is probably on the expensive end considering it's a premium car and it's a 1.6 which is towards the larger end of the spectrum for 1st cars.
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Jackieox
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I got a mini as a first car and my insurance was £800 for my first year, however I have the mini one (which is a 1.4) rather than a cooper (1.6). It depends on so many factors but as a first car i'd be looking more at the one rather than the cooper
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Dez
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(Original post by TheMindGarage)
It could vary considerably depending on where you live and your gender (males have higher premiums)
This isn't true any more, insurers cannot take gender into account for calculating premiums.
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kiah_cowie
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(Original post by TheMindGarage)
Run some quotes yourself. It could vary considerably depending on where you live and your gender (males have higher premiums), as well as factors like where the car will be kept when not driven (influences theft risk). Also, you didn't even say the year or model of the car.

A Mini is probably on the expensive end considering it's a premium car and it's a 1.6 which is towards the larger end of the spectrum for 1st cars.
Thank you, I will take this into consideration
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kiah_cowie
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(Original post by Jackieox)
I got a mini as a first car and my insurance was £800 for my first year, however I have the mini one (which is a 1.4) rather than a cooper (1.6). It depends on so many factors but as a first car i'd be looking more at the one rather than the cooper
Thank you, I have since been looking at mini ones as they are 1.4 rather than 1.6, are they good reliable cars?
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Cubone-r
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Jesus, you are very lucky. I am 22 years old and have never been able to afford a car!
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Jackieox
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(Original post by kiah_cowie)
Thank you, I have since been looking at mini ones as they are 1.4 rather than 1.6, are they good reliable cars?
MInes reliable, I did have some issues with the car to start off with but that was essential repairs that all cars need, had it since seprember and it's been fine it depends though cause minis are expensive to buy and expensive to fix but fairly cheap to run (mine only costs me £35 to fill and I'll get nearly 400 miles out of that
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uberteknik
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(Original post by kiah_cowie)
I want to get a mini as my first car as I am planning to be passed soon but I cannot find out how much the insurance would be roughly, does anyone have any idea?
I used the following to get a quote for you from money supermarket just now:

Car Mini Cooper 1.6 (2005 reg) with Thatcham Alarm, no mods, current value £2000;
Student living at home, UK born resident, nearly 18, full UK licence held for 2 months, zero no claims bonus, no previous accidents;
Home: Outer London suburbs, car parked on street at night;
Social, domestic and commuting use, annual mileage 8000;
Voluntary excess £750

Quotes came in at (cheapest first):

£5,400 Co-op Young Driver Insurance, with Telematics box
£6000 Model Driver Insurance, with Telematics box
£9,500 My Policy Insurance, with Telematics box
£13,900 GoGirl Insurance, no box
£15,700 Complete Insurance, no box
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FailedMyMocks
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(Original post by uberteknik)
I used the following to get a quote from money supermarket just now:

Car Mini Cooper 1.6 (2005 reg) with Thatcham Alarm, no mods, current value £2000;
Student living at home, UK born resident, nearly 18, full licence held for 2 months, zero no claims bonus, no previous accidents;
Home: Outer London suburbs, car parked on street at night;
Social, domestic and commuting use, annual mileage 8000;
Voluntary excess £750

Quotes came in at (cheapest first):

£5,400 Co-op Young Driver Insurance, with Telematics box
£6000 Model Driver Insurance, with Telematics box
£9,500 My Policy Insurance, with Telematics box
£13,900 GoGirl Insurance, no box
£15,700 Complete Insurance, no box
OUCH!
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username2400323
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I'm 17 and need a lamborghini. Anyone selling?
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username2400323
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My father is willing to pay in oil.
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uberteknik
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(Original post by FailedMyMocks)
OUCH!
Exactly.

OP has to seriously manage his expectations downwards for a first car without needing to take out a mortgage.

17 - 21 age group is the highest risk with >50% guaranteed an accident in the first 6 months.

Mini is a high risk (brisk performance) car.

Student living at home.

What can possibly go wrong?
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BigMan Ting
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Why not just get a Polo?
Reliable, easy to maintain and cheap to run. The most ideal first car anyway.
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username1439610
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(Original post by BigMan Ting)
Why not just get a Polo?
Reliable, easy to maintain and cheap to run. The most ideal first car anyway.
I had a Polo as my first car and was very cheap to run and very reliable. Insurance was about for the first year £1,700 which isn't cheap but a lot cheaper than what's been quoted above. Fuel costs were also low as it was a 1.2L.

I've recently upgraded to a newer VW Polo too. They're very reliable and not too expensive to run.
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Jerry Springer
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Remember to sign up to be an organ donor!
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BigMan Ting
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(Original post by qasim_96)
I had a Polo as my first car and was very cheap to run and very reliable. Insurance was about for the first year £1,700 which isn't cheap but a lot cheaper than what's been quoted above. Fuel costs were also low as it was a 1.2L.

I've recently upgraded to a newer VW Polo too. They're very reliable and not too expensive to run.
I'm torn between a BMW 1 Series ('54 reg) and the Polo ('05-'06 reg). I really want the BMW, think I live in a relatively safe area in the SE with cars parked on a driveway. My dad also wants to put his name down on the insurance to reduce the costs. What do you think?
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username1439610
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(Original post by BigMan Ting)
I'm torn between a BMW 1 Series ('54 reg) and the Polo ('05-'06 reg). I really want the BMW, think I live in a relatively safe area in the SE with cars parked on a driveway. My dad also wants to put his name down on the insurance to reduce the costs. What do you think?
You could try searching up the insurance costs for a BMW and a Polo and factor in your dad and see if that makes a difference. What I did was I went to a dealership and had a look at a few cars that I liked and then went home and found the cost of insurance using sites like confused.com and comparethemarket. Using a parent as a named driver helped me knock down the price by about £200.
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.A_C.
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I wouldn't bother getting a car.. When I was 17 and passed my test, I had a car for just under a year, but I got rid of it because I only used it a few times a week to go to the shops (within a bus ride/cycle away), or to college (about a 15 minute train journey away).

I'm just going to wait until I have finished University to buy a car... There really is no need at all to buy one at your age unless you live in the middle of nowhere and have poor transport links.

Save yourself the expense and risk of an accident!
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Laomedeia
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(Original post by TheMindGarage)
Run some quotes yourself. It could vary considerably depending on where you live and your gender (males have higher premiums), as well as factors like where the car will be kept when not driven (influences theft risk). Also, you didn't even say the year or model of the car.

A Mini is probably on the expensive end considering it's a premium car and it's a 1.6 which is towards the larger end of the spectrum for 1st cars.
males have higher premium: This practice was made illegal a few years ago. Insurers are no longer allowed to be gender biased in their pricing. If your insurer is acting illegally then report them.

A Mini is probably on the expensive end considering it's a premium car: A mini is definitely NOT a premium car. A BMW or Porsche would be premium, but by no stretch of the imagination does a mini count as premium. For the avoidance of doubt, this is a mini.

and it's a 1.6 which is towards the larger end of the spectrum for 1st cars: I never considered anything less than 2L particularly large. 1.6 sounds average. A 1.6 is perfectly reasonable for a first time car, so long as its not modified, tuned etc.
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