[Pinball]

I have just got a qoute from MINIs online insurance. It was mega cheap!

One thing that I'm not sure on is wheather the insurance quote will cover me with the Sound kit, Aero kit and Viper Stripes. When getting my quote there where no questions about modifications; mini approved or not.

Does anyone have an idea?

[Olly.]

I have my Sound kit insured with MINIs own insurance. I did have to phone up though.

[Pinball]

I think I will give them a call tomorrow. I f the quote is still low I will go with them. Don't know about you, but I am sick and tired of online quotes. I have had problems with nearly every site; either not recognising my address properly, listing every variation of MINIs but Cooper with chilli pack, not insuring cars that are modified, or the web site is so awkard or problematic I have just given up!

So online insurance companies, please sort yourselves out for your sake (more money for you) and mine (less hassle for me).

[Pinball]

Oh and if any body needs to chill and relax after all that quote searching try this link; the game is ace

http://gprime.net/game/ylympics/

My highest score is 3047 - after lots of practice.

[Paul]

Moved to the finance and insurance forum.

[Pinball]

Oops sorry paul, not paying attention to where I am posting stuff - D'oh!

[Rocca]

i am also a young driver under 21(female so its a little cheaper)! and have no NCD and i want to insure a mini cooper s! i've but my sister on the policy as she is older and it makes a massive difference (shes 22) with me as a named driver and owner of car but elephant.co.uk seems to be the cheapest by far! but iv'e just read through all your posts and no one seems to rate it what kind of insurance and insurer is best for a 04 mini cooper s with sat nav, cd etc, do elephant not cover things like that???? im really stuck and im usless at insurers i dont know what is what! please help me

[Rayman]

Quote: Originally Posted by Rocca

i am also a young driver under 21(female so its a little cheaper)! and have no NCD and i want to insure a mini cooper s! i've but my sister on the policy as she is older and it makes a massive difference (shes 22) with me as a named driver and owner of car but elephant.co.uk seems to be the cheapest by far! but iv'e just read through all your posts and no one seems to rate it what kind of insurance and insurer is best for a 04 mini cooper s with sat nav, cd etc, do elephant not cover things like that???? im really stuck and im usless at insurers i dont know what is what! please help me

The problem with elephant and all the admiral run company's is that they dont cover like for like. Basically they charge you extra for your options like chilli pack etc, but in the event of a total right off they will only pay out on a standard mini ie 16" wheel no chilli pack etc.
Thats why nobody likes them for mini's, you get what you pay for really, im insured with bell, still admiral run but the cover is that cheap i cant resist it and am not too bothered about the like for like stuff.
Try mini Insurance!

[aslan0r]

Quote: Originally Posted by Rocca

i am also a young driver under 21(female so its a little cheaper)! and have no NCD and i want to insure a mini cooper s! i've but my sister on the policy as she is older and it makes a massive difference (shes 22) with me as a named driver and owner of car but elephant.co.uk seems to be the cheapest by far! but iv'e just read through all your posts and no one seems to rate it what kind of insurance and insurer is best for a 04 mini cooper s with sat nav, cd etc, do elephant not cover things like that???? im really stuck and im usless at insurers i dont know what is what! please help me

do a google for elephant and u find out they are complete rubbish when it comes to moments that u need them. read reviews such as elephant refusing to cover u after a crash over minor things leaving drivers to stand up in court themselves.

i know its cheap and i know its the easiest way to get a cooper s insured. my quote was 600 which was great, seeing as the next best was double the price!

seriously if u do go with elephant (which i was considering until i somehow managed to get some more money together), resign urself to the fact that its a piece of paper u r paying for just so u can get insured. i wouldnt rely on them for decent service.

so dont crash!

ps. this is not my personal experience of elephant but the result of hours of googling when i was looking for insurance 2 months ago.

hope that helps

[Paul]

Search this very forum and you'll find a lot of bad things said about Admiral, Bell and Elephant, which I believe are all the same group.

[Rocca]

Thanks guys maybe i'll steer clear of elephant but the price is very appealing but im not sure if the crap cover is worth it seen as i proberbly will crash it but i hope not! i tried adrian flux and i got £2597 which isnt far off the quote from elephant which was around £2000 is any one with adrian flux ?

[Pinball]

I have been with adrian flux for the past year. Their quote was the cheapest last year. I have had no problems with them at all. The only minor gripe is that they charge a lot for changes to the policy; I got charged £90 (If I remember correctly) for adding the Sound Kit to my policy - but that did include the admin charge plus a small rise in my premium.

I may go with them again this year, but will still look around for a better deal. I don't like elephant and co. because I have to declare my chilli pack as an extra - I think they are after as much dosh as they can get from you by making you declare allsorts of things - even if they are optional extras. Declaring after market mods is fine in my book, as they're not standard to the car, but having to declare optional extras is just rediculous.

I had to declare my climate control with elephant for my golf when I used them for the first and only time.

Got my mini now and forever.