Temporary insurance - new question inside.

Do you not have a current insurance policy?

It works out to be a lot of £££ if you use temp insurance for any length of time.

My '56 plate MR2 would cost me £2200 a year to insure with Mrs Wilko as a named driver on it (23, with a declarable claim). My insurance on said vehicle (fully comp & including business use which wacks it up a bit) is £900, so the additional cover for her would cost £1300, which is £3.56 per day.

I recently got it insured for her so she could borrow it to go on holiday to Wales for a few days & I used a temp policy - I had a claim on my own policy a year ago against another vehicle, if I have another claim in the next 12 months, I lose my protected no claims, hence I did not want to risk my own policy.

The temp policy I took out to lend her the car for a holiday in Wales provided 5 days cover for about £88 - £17.60 per day, nearly 5 times the daily cost of having her on a regular policy and would work out at £6400 for a year.

I suspect when you come to most situations involving a change vehicles, keeping your regular policy running and transferring another vehicle onto it is nearly always going to be cheaper in the long run than using the temp insurers.

Basically, and you're not going to like this.. it's not going to happen.

At 17, even getting normal insurance is bad enough let alone temp insurance!

About the only way to go temporary at a young age (at least for me in the past) would be to grab the cheapest policy possible then run for a week or two then cancel, but it will work out to be quite a lot. Coverbox used to be the cheapest around and I started a policy with them once with AA breakdown and in the week I had it I even ended up using the AA breakdown to get my car back home again. I think it cost me about £150 / £200 for the week. That was at 19 on a 1990 Honda Civic Sedan 1.4 16v. In comparison I am now 21 and paying £650 for an entire years of insurance so to me looking back it baffles me how expensive it was. Be prepared to pay big for insurance. My first car was a Rover 214 and I paid £2200. I spent days shopping around for the best price and that was the cheapest with Adrian Flux. Adrian Flux no longer use the company I was insured with then though so no idea if you'd be able to get a cheap quote too. I'm with Aviva, they seem understanding for younger drivers who own older cars.

Seriously you've not been driving for 17 years, I'm sure you'll last not driving for a couple of weeks until you can find something else to cart about in.

It possibly would qualify for classic insurance, but you may not. A lot of classic insurers I have looked at require you to be 21 or even 25 before you can take out a policy.

Why not repair / restore the Mini ?

Paul H

Have you tried NFU Mutual? They seem to be able to insure young people on 4x4s.