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Discussion Starter #1
Hello!
Ive been a life long Alfa entusiast and from my Dad having a Alfasud as his first car, im wanting to leap into Alfa ownership, for my first car!

I've been reading the relevant info on the Alfa MiTo which I am hopefully getting in the next few months.
Being a young driver (18, when i shall be buying it) I am wondering if anyone can tell me what I am expecting to pay for insurance (I hold pass plus too), reliability issues and also running costs. The model I will be looking at is the MiTo 1.3 JTD Veloce.

Any info would be of much help!
Many thanks, mashie1994
 

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I own a mito as my first car and its 800 for my 1.4 95bhp veloce. but thats as the second driver on the insurance. its a nice car to own as a first i reckon, bit different from the typical mini as a first car
 

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I own a mito as my first car and its 800 for my 1.4 95bhp veloce. but thats as the second driver on the insurance. its a nice car to own as a first i reckon, bit different from the typical mini as a first car
Ah not a bad idea, who's the main driver then and I assume you use it mainly? :)
 

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Main driver is my dad, and yeah i used it mainly. Tbh the cost of insurance for a new driver is so high you don't really have a choice if you want a decent first car!
 

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If the car is registered in your name it is unlikely that having you as the second driver will reduce the premium; that is if you will find an insurer prepared to give you insurance with you as a second driver if the car is in your name.

If you are the second driver on a named policy and have an accident and the insurers find out that you are actually the main driver they are unlikely to pay up and you and your father could get prosecuted for fraud if the accident is serious enough and the claim interesting enough to the insurance company and police.

It is VERY tempting, I have a 19 year old son driving a 147 1.6 and a 17 year old daughter driving a Peugeot 206 1.4, so I know the costs.

Strangely enough my 19 year old son with 20 months NCB could insure the 147 1.6 120bhp for £630 third party fire and theft (eCar insurance found via GoCompare) yet the best quote for his his old 1.4 8 valve 60bhp Corsa was just over £800.

The best bet is to trawl he ads, get some registration numbers from the pictures and spend some time on GoCompare. Once your details are in they are remembered so you can get lots of quotes quite quickly for lots of different cars.

First year on his 1994 1.4 Corsa with no NCB was just over £2,000 third party fire and theft.

NOTE: with the cheapest insurers "pass plus" doesn't seem to make any difference. If you go to the bigger insurers it does seem to but with then you are paying £0,000s more to start with.

Finally, you will spot that some of the older bigger engined cars are cheaper to insure than the newer ones. This is because a lot of the early 90s cars were only 2 valves per cylinder and less powerful than the later 4 valve per cylinder cars. For example the 1.2 16V Corsa is more to insure than the 1.4 8V (the 1.4 is 60bhp but the 1.2 is 72bhp.) The same applies across all the manufacturers Ford Fiesta, Peuget 206, etc. It is only when you go to the 1.0 or 1.1 engines that quotes significantly reduce.
 

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Discussion Starter #7
Insurance is ridiculous now, and its spiralling because the insurance companies are claiming that people are gaining compensation for whiplash etc when they are perfectly fine, even though the insurers sell the details to the insurance solicitors to gain extra revenue.
But i suppose the law's the law.
 

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Insurance is ridiculous now, and its spiralling because the insurance companies are claiming that people are gaining compensation for whiplash etc when they are perfectly fine, even though the insurers sell the details to the insurance solicitors to gain extra revenue.
But i suppose the law's the law.
Your looking at running an 8k car, which will obviously be fully comp, so the insurance company will have to fork out lots to fix it when you prang it. That's why its costly.

Insurance has always been stupidly expensive on youngsters first cars, my first car was a fiesta, as old as me that cost 300 quid, and 1100 to insure. The problem is that peoples expectations of what car they can run as a first car has changed dramatically. Everyone used to have a banger, as old as them in most cases, now that's not the case.
 

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My 147 cost me £1300 to insure back when I was 23 :S

I agree with S10 GTA; people used to pootle around in bangers for their first car. Everything has gone a little bit bloody crazy!
 

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My sons Corsa 1.4 8V 60 bhp was bought for £400 and cost just over £2,000 TPFT 20 months ago!

Unless you have kids you have no idea what insurance is today!

A 16V 1.2 Corsa would have been £2,800 TPFT because that is 72 (ish) bhp.

Cost of your car doesn't have too much to do with with it but it does make a difference. It is the probability of claiming and who or what you are likely to crash into and the cost of that claim. For for 17 year old buys (I was one once) the statistics speak for themselves

Ref whiplash etc. apparently insurers are making more from selling the details than they are in claims! Work that one out. it might just be an urban myth though.
 

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Insurance premiums are impossible to predict accurately.

I would guess £1200-£1500 is as good as you will get, but it could be worse.

Pass Plus is worth about £2.50 off :lol:
 

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Don't under estimate safety rating either... my insurance dropped from over £1000 on my 1.4 70bhp 7 year old C2, to just over £400 on my mito. When I asked admiral, they explained it was a much safer car both for me and other drivers/pedestrians. Even though the bhp and value of the car had gone up. It was even a Veloce - which is essentially the sport model translated.

Having been crashed into and having my car written off... they were right about the safety rating, it was a non injury crash, so a relatively small total pay out for the other insurers!

That taught me that ages of the car has relatively little to do with it.
 

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18 years old.
Male.
Mito = (I think) fully comp.
So, even in North Yorkshire, I suspect quotes will start from £2,750 and maybe no lower than £3,000.
That assumes that he insures it in his own name as the main driver.
 

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Hi there, I purchased my Mito 95bhp just over two years ago, it was my second car. My first year off insurance was £900 fully comp with admiral however that was two years ago. What i recommend you do is make sure your the policy holder and main driver then add a couple named drivers, for example your parents this seems to knock off over £400 and your still the policy holder. Now i am 20, on my third year with 2 years NCB with my girlfriend as a named driver who has no NCB and it is around £80 a month :thumbs:

What i also recommend you do is check elephants prices as they were cheaper for me this year. However because admiral are a sister company they just adopted elephants price so i got cheaper insurance without having to change insurers.

P.S MiTo1988 is correct my first car, a 1993 1.2 corsa merit in purple was over £1400 to insure and that was my parents as the policy holders. Safety really does come into the equation as youths crashing and injuring others is becoming a big problem a safer car is cheaper to insure.

mashie 1994 I would go for it, however research all models for what is cheaper, i got a turismo as it was alot cheaper to buy and insure than the lusso and veloce, and now it looks better than the other two and has more spec.

Good Luck!
 

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Discussion Starter #18
Thanks everyone who's given suggestions and I will post another thread up about what I bought, insurance and everything. Any other help would be much appreciated :)
 

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Admiral will come up on GoCompare and, while less certain, I think Elephant do as well. I have also had cheaper quote with Admiral via GoCompare than directly from Admiral.

It looks like they reduce the price if they know you are using a comparison site.

Also try Chris Knott - Alfa owner specialist insurance.
 

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Yes thats correct they do offer a cheaper price through comparision sites and as soon as you go to them they bump it up :( If you can afford it you are better off paying it off in one go through a comparison site as they bump it up if you pay monthly too. Plus if you use a certain comparison site you get a free meerkat toy. :D
 
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