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dietcokeplease · Oct 2nd, 2002, 04:07 PM

MiniOne Menace,

I suspect that you are a fairly young driver and this is probably one of the causes of the problems with Direct Line.

Direct Line are a very conservative Insurer. Their target market is Mr Middle England with wife, 2.4 kids and the dog. They prefer insuring boring family cars and people who live in low risk areas. They don't want to insure any young drivers or fast cars.

If you have a Cooper with Chili Pack then the premium is loaded by 10%.

Your One is definitely not standard. By standard, Direct Line means how the car is listed in the brochure. This is used by Direct Line to rate your car. If you have added factory fitted options then this deviates your car from the "manufacturers standard specification."

I think that Direct Line are declining to insure because of the addition of Sports Seats, Sports Suspension and 17" Alloys.

Find another insurer online. There are loads of them. It just costs your time online to fill in all the details. If you still have problems, then pick up a copy of Max Power. The classifieds have loads of ads for partly modded and fully modded car insurers for young drivers.

One word of warning for Direct Liners: The Policy is severely restricted and does not give stuff like automatic cover for European Use etc.

Oct 2nd, 2002, 04:07 PM	#3
dietcokeplease Official MINI2 Fluffer Join Date: Jul 2001 Location: Spearmint Rhino Local Time: 10:12 PM Posts: 5,261 Offline	Re: Insurance ?? MiniOne Menace, I suspect that you are a fairly young driver and this is probably one of the causes of the problems with Direct Line. Direct Line are a very conservative Insurer. Their target market is Mr Middle England with wife, 2.4 kids and the dog. They prefer insuring boring family cars and people who live in low risk areas. They don't want to insure any young drivers or fast cars. If you have a Cooper with Chili Pack then the premium is loaded by 10%. Your One is definitely not standard. By standard, Direct Line means how the car is listed in the brochure. This is used by Direct Line to rate your car. If you have added factory fitted options then this deviates your car from the "manufacturers standard specification." I think that Direct Line are declining to insure because of the addition of Sports Seats, Sports Suspension and 17" Alloys. Find another insurer online. There are loads of them. It just costs your time online to fill in all the details. If you still have problems, then pick up a copy of Max Power. The classifieds have loads of ads for partly modded and fully modded car insurers for young drivers. One word of warning for Direct Liners: The Policy is severely restricted and does not give stuff like automatic cover for European Use etc. There is just one moon and one golden sun; And a smile mean friendship to ev'ryone; Through the mountains divide, and the oceans are wide; It's a small world after all.