| Thanks for your replies.
If it is the case that insurance companies pay out on only the basic cooper, does everyone who buys one tell their insurance company exactly what options are fitted? I don't think so. Therefore I reckon that probably 95% of mini's on the road would technically not be paid out for if stolen/crashed as chilli packs, clear lights etc were not mentioned when buying the policy.
Telling them everything about your car is wise I suppose, but they will simply see it as an excuse to add £s onto the premium, when they already want £800+ anyway.
I believe that it should be the insurance company and not the policy holder who has to take the initative over added extras. For example, when you get a quote for a mini it should then list all the possible extras for you to chose from. The way they simply say 'cooper' or 'one', is simply inviting you to buy a policy, which they know will nine times out of ten, be void if and when a claim is made.
I will tell them, but if they then say they want another few hundred pounds for the aero kit, I will tell them that their quote system should be changed to take things like this into account. Hopefully they will see sense and not charge me anymore, although knowing insurance companies its not very likely is it?  | 
