MINI2

popey · Nov 15th, 2006, 04:48 PM

Just called to get a quote for our Mini Cooper S thats arriving in December. I rang Adrian Flux, went through all the details (very polite and friendly) and then got a quote that was several hundred pounds over my best quote so far. They informed me that because the cars value is over £22,000, there "Mini specialist" insurers refuse to insure it.

So there’s a heads up, if your new is over 22k Adrian Flux “can’t be as competitive”

Now going with Directline @ £760.20 (22, Female, 3 points, 3 years NCD) & Me

(change due to the cars now in the MRS name)

rec · Nov 15th, 2006, 04:58 PM

try MINI insurance... best quote for me so far :]

miniman23 · Nov 16th, 2006, 10:32 AM

Try Elephant.co.uk by far the best quotes on both my cars for years.

Lordy · Nov 16th, 2006, 12:54 PM

try
http://www.frizzell.co.uk/ - i have mine with these , £156 over the car i swaped ( smart for2 ) for 6 months extra. or
Cheap UK Car insurance and home insurance quotes comparison from Confused.com. are quite good
Cheap loans | mortgages | credit cards | home & car insurance - moneysupermarket UK good aswell

find the cheepest then go direct ,

Charlie The Mini · Nov 19th, 2006, 07:07 AM

I have ordered my first every mini and it is due in December. When getting an insurance quote they always ask if I have had any extras fitted. Is it correct that I should tell them everything that I have had added, like trim colour, multifunctional steering wheel etc. I know that they all add value to the car and I don’t want to be under insured.

Any advice would be welcome.

Paul · Nov 19th, 2006, 07:18 AM

You should tell them the lot, the best insurers will cover you for the extras like for like, some (such as Elelephant, Admiral) will cover the extras (as in you're insured with them on your car), but may not have a like-for-like replacement policy.

Faz · Nov 19th, 2006, 07:11 PM

Tried the MINI Cover website for a quote on a new R56 Cooper S just now.

You can't select an R56!!!! MINI will sell you an R56 but you can't insure it yet!

rec · Nov 19th, 2006, 07:56 PM

i called em...

Paul · Nov 19th, 2006, 07:58 PM

Quote: Originally Posted by Faz (original)

Tried the MINI Cover website for a quote on a new R56 Cooper S just now.

You can't select an R56!!!! MINI will sell you an R56 but you can't insure it yet!

You expect the UK MINI online services to be up to date? Schoolboy error.

Chris.F · Nov 20th, 2006, 10:17 AM

Quote: Originally Posted by Charlie The Mini (original)

I have ordered my first every mini and it is due in December. When getting an insurance quote they always ask if I have had any extras fitted. Is it correct that I should tell them everything that I have had added, like trim colour, multifunctional steering wheel etc. I know that they all add value to the car and I don’t want to be under insured.

Any advice would be welcome.

I was told to give a full invoice valuation of car and the insurer took ANY original equipment in that price as being standard factory fit and quoted accordingly. I wouldn't say the MFSW is an added.... its in the original specification as per invoice.

I believe the extras that need specifying are high value- easily stolen items like upgraded wheels or after market modifications like aero kit. I'm no expert but the insurers have been really good with me (17 0 NC etc.) and thats what I was told to watch for. The insurers will obviously be more interested in performance enhancements more than anything else.

Chris.F · Nov 20th, 2006, 10:20 AM

Quote: Originally Posted by Lordy (original)

try
http://www.frizzell.co.uk/ - i have mine with these , £156 over the car i swaped ( smart for2 ) for 6 months extra. or
Cheap UK Car insurance and home insurance quotes comparison from Confused.com. are quite good
Cheap loans | mortgages | credit cards | home & car insurance - moneysupermarket UK good aswell

find the cheepest then go direct ,

Confused is the biggest joke for young drivers ...waste of time....my quotes in range £8,300 to £18,903.27 on a R56 Cooper. Daft but true. They then bombarded me with calls offering a deal at £3000+.....

Follow Rec's advice CALL EM direct.....an experience in itself. I have got fixed up via Lifesure.on the phone..real people who know what they are doing. Spent over an hour on one call to be told the car didn't exist.

rec · Nov 20th, 2006, 10:22 AM

never do online quotes, always call :]

Chris.F · Nov 20th, 2006, 03:52 PM

How much does it cost?
The cost for different car modifications varies massively between insurance companies. Before purchasing a modification we recommend you check with your insurance company how much it will cost. It is also worth noting that in most cases in the event of a claim the modified part will only be replaced by the standard part.
Why does it cost extra?
There are two main reasons why mods cost extra on insurance policies. Modifications tend to fall into two categories, each category is explained below and why it increases the premium.

Performance Modifications such as suspension, engine tuning, filters, exhausts and induction kits put up your insurance as they make the car faster which means you are more likely to crash.
Aesthetic Modifications such as body kits, tints and spoilers increase your premium as it makes your car more attractive to thiefs and vandals.

Faz · Nov 20th, 2006, 07:07 PM

After failing to get a quote from MINI cover online I rang my current insurers (The AA).

The R56 doesn't exist in their system either!

Spamini · Nov 20th, 2006, 07:52 PM

Quote: Originally Posted by Faz (original)

After failing to get a quote from MINI cover online I rang my current insurers (The AA).

The R56 doesn't exist in their system either!

I managed to insure mine with Churchill after they rang the underwriters. They are quite a bit cheaper than mini insurance. Mini gave me 7 days free insurance but the excess is £500, so I have quickly changed it to Churchill. Even the quote Mini gave me was with £400 excess and i am 38 with 21 years NCD!

Muel · Nov 21st, 2006, 08:41 AM

Im due to receive my R56 MCS the week before Christmas! Im struggling getting insurance quotes at the moment! ive got quite decent online quotes from Adrian Flux & Quinn Direct £1000 & £1300 respectivley.

I am 22 with 1yr No claims, ive been driving just over a year!

so basically calling all similar people...in a similar situation!

how much are you getting insured for and who with?

- Muel

Nov 15th, 2006, 04:48 PM	#1
popey Wants an Audi My Classifieds Join Date: Oct 2006 Location: Blackpool Local Time: 10:59 AM Posts: 1,428 Offline	R56 / 2nd Gen Insurance Problems Just called to get a quote for our Mini Cooper S thats arriving in December. I rang Adrian Flux, went through all the details (very polite and friendly) and then got a quote that was several hundred pounds over my best quote so far. They informed me that because the cars value is over £22,000, there "Mini specialist" insurers refuse to insure it. So there’s a heads up, if your new is over 22k Adrian Flux “can’t be as competitive” Now going with Directline @ £760.20 (22, Female, 3 points, 3 years NCD) & Me (change due to the cars now in the MRS name)

Nov 15th, 2006, 04:58 PM	#2 (permalink)
rec Not a happy bunny. Join Date: Oct 2006 Location: Scotthall MINI Often Local Time: 10:59 AM Posts: 1,217 Offline	try MINI insurance... best quote for me so far :] Got an R56 ? Flaunt It ! http://www.mini2.com/forum/general-d...st-ya-r56.html

Nov 19th, 2006, 07:56 PM	#8 (permalink)
rec Not a happy bunny. Join Date: Oct 2006 Location: Scotthall MINI Often Local Time: 10:59 AM Posts: 1,217 Offline	i called em... Got an R56 ? Flaunt It ! http://www.mini2.com/forum/general-d...st-ya-r56.html

Nov 20th, 2006, 10:22 AM	#12 (permalink)
rec Not a happy bunny. Join Date: Oct 2006 Location: Scotthall MINI Often Local Time: 10:59 AM Posts: 1,217 Offline	never do online quotes, always call :] Got an R56 ? Flaunt It ! http://www.mini2.com/forum/general-d...st-ya-r56.html

Nov 20th, 2006, 03:52 PM	#13 (permalink)
Chris.F MINI2 Regular Join Date: Sep 2006 Location: Pennines Local Time: 09:59 AM Posts: 326 Offline	How much does it cost? The cost for different car modifications varies massively between insurance companies. Before purchasing a modification we recommend you check with your insurance company how much it will cost. It is also worth noting that in most cases in the event of a claim the modified part will only be replaced by the standard part. Why does it cost extra? There are two main reasons why mods cost extra on insurance policies. Modifications tend to fall into two categories, each category is explained below and why it increases the premium. Performance Modifications such as suspension, engine tuning, filters, exhausts and induction kits put up your insurance as they make the car faster which means you are more likely to crash. Aesthetic Modifications such as body kits, tints and spoilers increase your premium as it makes your car more attractive to thiefs and vandals.

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Nov 16th, 2006, 10:32 AM	#3 (permalink)
miniman23 MINI2 Senior My Classifieds Join Date: Jan 2004 Location: London Local Time: 10:59 AM Posts: 376 Offline	Try Elephant.co.uk by far the best quotes on both my cars for years.

Nov 16th, 2006, 12:54 PM	#4 (permalink)
Lordy I'm Behind YOU !! My Classifieds Join Date: Oct 2006 Location: ormskirk Local Time: 10:59 AM Posts: 324 Offline	try http://www.frizzell.co.uk/ - i have mine with these , £156 over the car i swaped ( smart for2 ) for 6 months extra. or Cheap UK Car insurance and home insurance quotes comparison from Confused.com. are quite good Cheap loans \| mortgages \| credit cards \| home & car insurance - moneysupermarket UK good aswell find the cheepest then go direct ,

Nov 19th, 2006, 07:07 AM	#5 (permalink)
Charlie The Mini MINI2 Newbie Join Date: Nov 2006 Location: Canterbury, Kent Local Time: 09:59 AM Posts: 12 Offline	I have ordered my first every mini and it is due in December. When getting an insurance quote they always ask if I have had any extras fitted. Is it correct that I should tell them everything that I have had added, like trim colour, multifunctional steering wheel etc. I know that they all add value to the car and I don’t want to be under insured. Any advice would be welcome.

Nov 19th, 2006, 07:18 AM	#6 (permalink)
Paul Trained Monkey My Classifieds Join Date: Jan 2001 Location: Bedfordshire Local Time: 10:59 AM Posts: 40,555 Offline	You should tell them the lot, the best insurers will cover you for the extras like for like, some (such as Elelephant, Admiral) will cover the extras (as in you're insured with them on your car), but may not have a like-for-like replacement policy.

Nov 19th, 2006, 07:11 PM	#7 (permalink)
Faz MINI2 Regular Join Date: Mar 2003 Location: Worksop, Notts Local Time: 10:59 AM Posts: 249 Online	Tried the MINI Cover website for a quote on a new R56 Cooper S just now. You can't select an R56!!!! MINI will sell you an R56 but you can't insure it yet!

Nov 19th, 2006, 07:58 PM	#9 (permalink)
Paul Trained Monkey My Classifieds Join Date: Jan 2001 Location: Bedfordshire Local Time: 10:59 AM Posts: 40,555 Offline	Quote: Originally Posted by Faz (original) Tried the MINI Cover website for a quote on a new R56 Cooper S just now. You can't select an R56!!!! MINI will sell you an R56 but you can't insure it yet! You expect the UK MINI online services to be up to date? Schoolboy error.

Nov 20th, 2006, 10:17 AM	#10 (permalink)
Chris.F MINI2 Regular Join Date: Sep 2006 Location: Pennines Local Time: 09:59 AM Posts: 326 Offline	Quote: Originally Posted by Charlie The Mini (original) I have ordered my first every mini and it is due in December. When getting an insurance quote they always ask if I have had any extras fitted. Is it correct that I should tell them everything that I have had added, like trim colour, multifunctional steering wheel etc. I know that they all add value to the car and I don’t want to be under insured. Any advice would be welcome. I was told to give a full invoice valuation of car and the insurer took ANY original equipment in that price as being standard factory fit and quoted accordingly. I wouldn't say the MFSW is an added.... its in the original specification as per invoice. I believe the extras that need specifying are high value- easily stolen items like upgraded wheels or after market modifications like aero kit. I'm no expert but the insurers have been really good with me (17 0 NC etc.) and thats what I was told to watch for. The insurers will obviously be more interested in performance enhancements more than anything else.

Nov 20th, 2006, 10:20 AM	#11 (permalink)
Chris.F MINI2 Regular Join Date: Sep 2006 Location: Pennines Local Time: 09:59 AM Posts: 326 Offline	Quote: Originally Posted by Lordy (original) try http://www.frizzell.co.uk/ - i have mine with these , £156 over the car i swaped ( smart for2 ) for 6 months extra. or Cheap UK Car insurance and home insurance quotes comparison from Confused.com. are quite good Cheap loans \| mortgages \| credit cards \| home & car insurance - moneysupermarket UK good aswell find the cheepest then go direct , Confused is the biggest joke for young drivers ...waste of time....my quotes in range £8,300 to £18,903.27 on a R56 Cooper. Daft but true. They then bombarded me with calls offering a deal at £3000+..... Follow Rec's advice CALL EM direct.....an experience in itself. I have got fixed up via Lifesure.on the phone..real people who know what they are doing. Spent over an hour on one call to be told the car didn't exist.

Nov 20th, 2006, 07:07 PM	#14 (permalink)
Faz MINI2 Regular Join Date: Mar 2003 Location: Worksop, Notts Local Time: 10:59 AM Posts: 249 Online	After failing to get a quote from MINI cover online I rang my current insurers (The AA). The R56 doesn't exist in their system either!

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Nov 20th, 2006, 07:52 PM	#15 (permalink)
Spamini MINI2 Regular Join Date: Dec 2005 Location: Spalding Local Time: 10:59 AM Posts: 166 Offline	Quote: Originally Posted by Faz (original) After failing to get a quote from MINI cover online I rang my current insurers (The AA). The R56 doesn't exist in their system either! I managed to insure mine with Churchill after they rang the underwriters. They are quite a bit cheaper than mini insurance. Mini gave me 7 days free insurance but the excess is £500, so I have quickly changed it to Churchill. Even the quote Mini gave me was with £400 excess and i am 38 with 21 years NCD!

Nov 21st, 2006, 08:41 AM	#16 (permalink)
Muel MINI2 Newbie Join Date: Oct 2005 Local Time: 09:59 AM Posts: 45 Offline	Im due to receive my R56 MCS the week before Christmas! Im struggling getting insurance quotes at the moment! ive got quite decent online quotes from Adrian Flux & Quinn Direct £1000 & £1300 respectivley. I am 22 with 1yr No claims, ive been driving just over a year! so basically calling all similar people...in a similar situation! how much are you getting insured for and who with? - Muel

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