any advice what i should do?

[Dano]

Ok saxp, i need some advice.. (Please excuse the life story)

ive been inlove with saxo's since i was 14, october last year i finally bought one (a 53 plate VTR)! and i love it to bits, but as im a learner driver insurance is mental, im currently insured with Quinn at £1071 fully comp.. since they went in to admin' they have crazy high rates.. ive been getting quotes for renewal time, and cheapest i can find is £1900 fully comp... im 22 and looking to pass my test before august (Hopefully)

im also a huge fan of classic mini's, and i got a quote on a mini at £804 fully comp! which is highly tempting..

What would you do in my possition.. keep the sax and pay the price? or sell up for something cheaper? (classic mini is a win for me)

Any advice would be appreciated :y:

My saxo:
http://i1018.photobucket.com/albums/af309/dmonz_vTR/DSC00314.jpg

possible mini:
http://i1018.photobucket.com/albums/af309/dmonz_vTR/Epicmini.jpg

[saxo-dude-16v]

well, if i was you and could just afford to keep the saxo i would but if you like the mini then get one for a few years then if you still want a saxo get rid of the mini in like 2-3 years etc and insurance should be alot cheaper then to.

[Dano]

well, if i was you and could just afford to keep the saxo i would but if you like the mini then get one for a few years then if you still want a saxo get rid of the mini in like 2-3 years etc and insurance should be alot cheaper then to.

thats the biggest problem, im currently unemployed, i was working when i bought the Vtr.. but now im not working and paying £1800+ insurance seems abit mental.. i 'Can' borrow the money from my dad, and pay him back when ever i can, but im leaning towards the cheaper alternative :panic:

[Proffitt]

(classic mini is a win for me)


Think you've just answered your own question ;)

[saxo-dude-16v]

get the mini then mate

[harry289]

is that the cheapest quote you got? try admiral and have one of your parents as a named driver on the policy too.

i would keep the saxo imo

[Bound]

I suppose the only thing holding you back is that you've got the Saxo how you want it, and you like both.

[wadoryu]

i have been looking at classic mini's as well mate. but tbh the mini's might be alot cheaper in insurance but the car cost's more and that made te difference to me. if you can find one cheap go for it

[Dano]

I suppose the only thing holding you back is that you've got the Saxo how you want it, and you like both.

i REALLY dont wanna sell the saxo, its fun to drive and looks damn good.. but i dont think i can justify the crazy insurance lol

just thought i'd throw up a couple of pictures lol

[makaveli144]

Phone brokers rather than just the big insurers.

Try


Chris knott
Sky insurance
Brentacre

[Proffitt]

After seeing as your saxo is Posi Blue...keep it :y:
My fav colour :)

Try getting insured with Admiral / Bell / Elephant

[Dano]

Cheers for the replies guys - ill shop around for insurance, im not due for renewal for a couple of months yet so we shall see what comes up! :y:

[johnlambert]

get the mini!!
can you not keep the vtr aswell???
go tpft on the vtr..

[BBM]

Get the mini tbh, look like great fun.

[Peter_D]

Have you enquired about 3rd party fire & theft? Some companys have a big price difference between 3rd party and fully comp.. You might be able to find a reasonable quote for 3rd party, just so long as you have a sensible head and don't go nuts in the car, drive very sensible for a year and don't smash it..

Then after a year of driving you'll have a years no claims, which usually equates to about 30% off your insurance.. Also you will be a year older, with a years safe driving under your belt, so they wont fuck you as much with quotes

Then after a year you can decide weather or not you think it's worth paying the extra for fully comp, or weather to continue getting cheap 3rd party insurance and driving sensibly

[KamRacing]

Surely the mini is more fun?
As you are unemployed sell the car and blag lifts off your friends :D Saves loads of money in running costs and insurance.
Then when you get a job, get the mini!

[Pixie]

Mini - :n:
Saxo - :y:

[Dano]

Mixed reviews here, but both sides make a good arguement!! i think im keeping the saxo, mostly because i have it now, and there arent many mini's for sale round here (the 1 i showed in post 1, is 145 miles away and £2200)..

i think tpft and drive carefully for a year sounds good, ill get some quoutes in a sec :y:

[Peter_D]

Good lad, have a good scout about you will get a decent quote from somewhere TPF&T

[VTR-Chris]

you do know once you pass your test your insurance will be even more expensive??

[JoeExpose]

go for the classic mini, ive always wanted one :D, then you can get bike engine in back (one day) :P

[timmythechef]

il come down pembroke look, when im down the van in saundersfoot, and you can sell your vtr to me at mates rates (even tho i dont knw you) and go from there init :y:

btw there is a nice mini not to far from me, its 1300 which i thinks a bit steep myslef

[TomBob]

I have my renewal with Quinn at the end of the month. £1091. I phoned them up and asked about a VTR and it was only £90 more. So I shall hopefully be getting a VTR in a few months :)

Ask about your quote again see if they can do any better