[minisoopercooper]

funny you should mention documents as my renewal came through a few months ago. I noticed under modifications it listed none. When I set the policy up a year earlier - with a broker that briefly sponsored MINI2 - and spoke MINI (as they put it) I went through all the extras (ASC+T, alarm, mfsw, vis pack etc etc) and the stereo stuff and the 17" Bullet wheels and aero kit.

I immediately phoned the broker who contacted the insurance company and they said they have the full list on file but as they are all manufactures options that they didn't need to be listed on the documents - but ARE on the policy.

This thread is making me think it's worth a phone call direct to the insurance company to check.