Stay well clear of Elephant!! They only cover you for a std no extras MINI, any thing I mean anything extra you add even if its factory fit will not be covered, you are only covered for the base model, stay away from them I tell you! Unless you just get a base model.
Directline and Tesco have been the cheapest for me, but I'm looking at a £1700 premium come September
for a JCW MCS.