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Chris.F · Nov 20th, 2006, 10:17 AM

Quote: Originally Posted by Charlie The Mini (original)

I have ordered my first every mini and it is due in December. When getting an insurance quote they always ask if I have had any extras fitted. Is it correct that I should tell them everything that I have had added, like trim colour, multifunctional steering wheel etc. I know that they all add value to the car and I don’t want to be under insured.

Any advice would be welcome.

I was told to give a full invoice valuation of car and the insurer took ANY original equipment in that price as being standard factory fit and quoted accordingly. I wouldn't say the MFSW is an added.... its in the original specification as per invoice.

I believe the extras that need specifying are high value- easily stolen items like upgraded wheels or after market modifications like aero kit. I'm no expert but the insurers have been really good with me (17 0 NC etc.) and thats what I was told to watch for. The insurers will obviously be more interested in performance enhancements more than anything else.

Nov 20th, 2006, 10:17 AM	#10
Chris.F MINI2 Regular Join Date: Sep 2006 Location: Pennines Local Time: 05:51 AM Posts: 326 Offline	Quote: Originally Posted by Charlie The Mini (original) I have ordered my first every mini and it is due in December. When getting an insurance quote they always ask if I have had any extras fitted. Is it correct that I should tell them everything that I have had added, like trim colour, multifunctional steering wheel etc. I know that they all add value to the car and I don’t want to be under insured. Any advice would be welcome. I was told to give a full invoice valuation of car and the insurer took ANY original equipment in that price as being standard factory fit and quoted accordingly. I wouldn't say the MFSW is an added.... its in the original specification as per invoice. I believe the extras that need specifying are high value- easily stolen items like upgraded wheels or after market modifications like aero kit. I'm no expert but the insurers have been really good with me (17 0 NC etc.) and thats what I was told to watch for. The insurers will obviously be more interested in performance enhancements more than anything else.