MINI2 - MINI Forum - View Single Post

NeuroBeaker · Mar 15th, 2008, 12:47 AM

I'm afraid I haven't got a good word to say about them.

I called them to ask for a quotation for fitting Koni FSD shock absorbers to the car and how it would affect my existing policy with them. I was told that it would not affect my premiums and that my excess would remain unchanged.

I therefore ordered the Koni FSDs online. Prior to having them fitted, I called back to double check that my premiums and excesses would remain unchanged. I was assured that my policy would not be affected in any way by the addition of Koni FSD shocks providing the factory OEM springs were being reused. I was instructed to notify them when the shocks were fitted to the car so that they could send out an updated covernote.

I fitted the Koni FSD shock absorbers using the factory OEM springs and called them on my mobile from the garage as the job was completed.

"Oh, Sir... that's a significant performance increase. We will have to increase your excess and adjust your premiums."

What?!?!

I reminded them that I had been quoted no change on two separate occasions by two completely different members of staff. I was told that as a "show of goodwill" they would waiver the increase to the premium for the remainder of the year - but that it would come into effect on renewal. However, I would have to accept the increase in my excess from £600 to £1200 otherwise my policy would be invalidated and I would lose the current year's no claims bonus I'd been building.

If you're planning on keeping your MINI stock standard (no modifications of any kind) then they're no different to any other insurer. Not particularly helpful - but not disastrous.

If you're planning on making even the slightest change to the specification of your MINI - I'd run a mile from MINI COVER (UK Insurance Ltd). They'll tell you one thing before the modification and then do something completely different once the modification is made and they've got you bent over the proverbial barrel.

How would I describe MINI COVER (UK Insurance Ltd)?

Dishonest
Untrustworthy
Insidious

My next insurer will be Adrian Flux (Trinity Lane). I have a quote with them for insurance, but the written quotation has a few very minor discrepancies to the verbal quotation over the phone. I'm planning on calling them soon to sort that out - but it sounds like they're going to be understanding of modifications.

Hope that was helpful.

All the best,
Andrew.

Mar 15th, 2008, 12:47 AM	#2
NeuroBeaker Where's my navigator?! Join Date: Feb 2007 Location: Behind the wheel Local Time: 08:22 AM Posts: 6,121 Offline	I'm afraid I haven't got a good word to say about them. I called them to ask for a quotation for fitting Koni FSD shock absorbers to the car and how it would affect my existing policy with them. I was told that it would not affect my premiums and that my excess would remain unchanged. I therefore ordered the Koni FSDs online. Prior to having them fitted, I called back to double check that my premiums and excesses would remain unchanged. I was assured that my policy would not be affected in any way by the addition of Koni FSD shocks providing the factory OEM springs were being reused. I was instructed to notify them when the shocks were fitted to the car so that they could send out an updated covernote. I fitted the Koni FSD shock absorbers using the factory OEM springs and called them on my mobile from the garage as the job was completed. "Oh, Sir... that's a significant performance increase. We will have to increase your excess and adjust your premiums." What?!?! I reminded them that I had been quoted no change on two separate occasions by two completely different members of staff. I was told that as a "show of goodwill" they would waiver the increase to the premium for the remainder of the year - but that it would come into effect on renewal. However, I would have to accept the increase in my excess from £600 to £1200 otherwise my policy would be invalidated and I would lose the current year's no claims bonus I'd been building. If you're planning on keeping your MINI stock standard (no modifications of any kind) then they're no different to any other insurer. Not particularly helpful - but not disastrous. If you're planning on making even the slightest change to the specification of your MINI - I'd run a mile from MINI COVER (UK Insurance Ltd). They'll tell you one thing before the modification and then do something completely different once the modification is made and they've got you bent over the proverbial barrel. How would I describe MINI COVER (UK Insurance Ltd)? Dishonest Untrustworthy Insidious My next insurer will be Adrian Flux (Trinity Lane). I have a quote with them for insurance, but the written quotation has a few very minor discrepancies to the verbal quotation over the phone. I'm planning on calling them soon to sort that out - but it sounds like they're going to be understanding of modifications. Hope that was helpful. All the best, Andrew. NeuroBeaker - Proud owner of "Zeus" (a 'slightly modified' 2004 MINI ONE). *WARNING!* Thesis writing in progress. Experiments continue. Multi-tasking? Explosion imminent!