Jimimac,
From my experience, Elephant often quote for only a 10 month period for accelerated NCB and there is a big difference between this price and a full 12 month plan.
Oh yeah, also they load the premium to the hilt when you tell them you have the chilli pack and other extras because they classify each component as a separate mod! i.e. you have to list in the modifications section that you have added 'non standard' alloy wheels and so on for every extra on the car otherwise they will not cover you. Even worse, you end up paying for these damn mods and then in the case of a total loss claim, they will only pay out for a BASE MCS!! (this is what the sales advisor admitted after a few determined questions to get to the bottom of their ambiguity). Best thing is to talk to an 'Elephant Handler' and i'm sure once all the minor details are correct such as listing the 'mods' their quote will be in line, if not more then the quotes you have already received. Also give MINI insurance a ring because they were more competitive than Elephant for me, because like you i got a cheap quote, called them and then found the truth! They wanted 110 pounds more than MINI. MINI will also pay out for an equivalent car etc God forbid something should happen to it.
Cheers and good luck,
Henry |