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Paul · Jan 6th, 2004, 12:56 PM

Quote: Originally Posted by Fizzle

hey badboyz,

i was on the phone to elephant yesterday and they say they will cover the extras and when i mentioned things like the chilli pack they new wot i was talking about. also said they would cover mods if i declare them but isurance would go up. also went up with the chilli pack but its still the cheapest ive found.

out of interest which other companes did u try as most i have phoned will only insure drivers who are 25+ on an mcs.

Unless Elephant have changed their policy VERY recently the person you spoke to is either wrong or misleading.

They will "cover" you. I.e. they will make a note that you have these modifications and/or options and therefore wont void your insurance for "undeclared" non standard specs. HOWEVER, their policy states they will NOT replaces ANYTHING that is not standard. Aircon, larger alloys, leather seats, ANYTHING that's not on a bare spec S/Cooper/One/Whatver MINI you chose.

Try BMW Insurance (& MINI Insurance, and they ARE different), as well as Liverpool Victoria.

Also, try using the search engine (www.mini2.com/forum/search.php), it's VERY good. You will find many threads like:

ELEPHANT.co.uk insurance warning
MCS Insurance in the UK
Insurance with Liverpool Victoria
Modifications and insurance premiums?
UK Cooper S insurance
Insurance Mini Cooper S

And many, many more.

Jan 6th, 2004, 12:56 PM	#4
Paul Trained Monkey My Classifieds Join Date: Jan 2001 Location: Bedfordshire Local Time: 08:53 AM Posts: 41,266 Offline	Quote: Originally Posted by Fizzle hey badboyz, i was on the phone to elephant yesterday and they say they will cover the extras and when i mentioned things like the chilli pack they new wot i was talking about. also said they would cover mods if i declare them but isurance would go up. also went up with the chilli pack but its still the cheapest ive found. out of interest which other companes did u try as most i have phoned will only insure drivers who are 25+ on an mcs. Unless Elephant have changed their policy VERY recently the person you spoke to is either wrong or misleading. They will "cover" you. I.e. they will make a note that you have these modifications and/or options and therefore wont void your insurance for "undeclared" non standard specs. HOWEVER, their policy states they will NOT replaces ANYTHING that is not standard. Aircon, larger alloys, leather seats, ANYTHING that's not on a bare spec S/Cooper/One/Whatver MINI you chose. Try BMW Insurance (& MINI Insurance, and they ARE different), as well as Liverpool Victoria. Also, try using the search engine (www.mini2.com/forum/search.php), it's VERY good. You will find many threads like: ELEPHANT.co.uk insurance warning MCS Insurance in the UK Insurance with Liverpool Victoria Modifications and insurance premiums? UK Cooper S insurance Insurance Mini Cooper S And many, many more. There aint no party like my nana's tea party