I'm getting a new 'S' with loads of mods in March and have just been on the phone to Mini Insurance for nearly 45 mins and thought they were totally hopeless... I'm getting an 'S' with the
JCW performance pack (amongst a load of other things) and found it nearly impossible to get through to them about what I was actually buying. On their web site they list an '02+ Cooper S Works' and an '06+ Cooper S'. I'm obviously buying an '06+ S' with dealer fitted Works pack (and other things but the insurance arm of Mini don't know one from the other. They also said they only had 6 spaces for mods on the instance form and would have to list anything else manually.
After 45 mins on the phone, where the person on the phone had to make 4 trips away from the phone to speak to the underwriter, I got some ridiculous quote of a £300 voluntary excess AND a £950 compulsory excess and a yearly quote of just under a grand a year. Adrian Flux quoted half that and knew exactly what I was talking about when I called them.
It just makes me feel nervous about insuring a car when the insurer doesn't have a clue. I think I want to send whoever I insure it with the actual sales invoice that shows the amount paid for the car and every single dealer fitted
mod that has been attached to it.
What I'm actually buying can he found here:
Aztec Monkey - Andrew Bate's random ramblings
(rant over....)
