[Andyblizz]

Hi All

I am about to buy a MCS 2005 and have been getting some insurance quotes.

However they seem very high can any body help.


Ins Person - Me (27) & Wife (28)
No Claim Bonus - 9 years
Claim - 2005 fully recovered
Points - Nil (Both of us)
Overnight - Driveway
Location - Bromsgrove (Midlands)


Mini Details:
Black Cooper S - 2005
Chilli Pack
Aero Kit

And i want to get some Works wheels - not quoted for yet

Quotes so far: (with protected no claims)

Priviledge (Present Ins Company) - £630 (£478 without Aero)
Mini Ins (Dealer recommendation ) - £988 (£757 without Aero)
Confused - (Only 1 insurance company) - £698


I just think that all of these are steep because i presently have a BMW X3 and the renewal quotes i have just had for this is £520 and i havent even shopped around.


Regards

Andy

[feybrand]

my insurance for a cooper is 800 but im only 21 and it didnt change when i added an aero kit and different wheels

[Andyblizz]

Quote: Originally Posted by feybrand (original)

my insurance for a cooper is 800 but im only 21 and it didnt change when i added an aero kit and different wheels

And which ins company you with???

[Fin]

Those quotes do sound excessive. I would shop around. I don't trust sites like confused.com

[L33 KBY]

Hi,

Have you tried e-sure - only for people with 4 or more years no claims can be insured via them..

You think you're quote are bad, I have a 2006 MCS Chilli, Aero Kit, JCW Wheels etc etc
Jst turned 20, 2 weeks ago, (no it wasnt a birthday present!!!!) 3 years no claims, no points, parked on driveway location Birmingham - Excess payable in the event of a crash first £1000 of any claim - £2400 and that had to be paid in one lump sum....if I paid installment across the year it would have cost me £3500....

I have an idea get a multicar policy for your MCS and Mine and insure all 3 of us on them anything over the cheapest above quote I will pay the difference....you will save me a fortune!!! :P

[Snowie]

My GP is insured with directline

Self & wife, full no claims, Protected NCB, age 45 +. Business use for myself

£440 per annum

On line discount plus we also have my sons car with Direct Line, so extra discount for this.

[L33 KBY]

**just before I get the youve got a cooper.....I have just bought the S had it two weeks but been that busy tearing the roads up I havent had chance to edit signature with new image etc***

[Andyblizz]

Quote: Originally Posted by L33 KBY (original)

Hi,

Have you tried e-sure - only for people with 4 or more years no claims can be insured via them..

You think you're quote are bad, I have a 2006 MCS Chilli, Aero Kit, JCW Wheels etc etc
Jst turned 20, 2 weeks ago, (no it wasnt a birthday present!!!!) 3 years no claims, no points, parked on driveway location Birmingham - Excess payable in the event of a crash first £1000 of any claim - £2400 and that had to be paid in one lump sum....if I paid installment across the year it would have cost me £3500....

I have an idea get a multicar policy for your MCS and Mine and insure all 3 of us on them anything over the cheapest above quote I will pay the difference....you will save me a fortune!!! :P

I just tried Esure and is sent me to 1st Alternative due to vehicle.

But quote was £640 and that was online without Aero Kit.

They way it is going i think i might not have the aero kit as it effects the ins 2 much.

[Buz999]

As a reader of Modern MINI mag, they are always plugging Adrian Flux for modded cars, never used them but maybe worth a try.

SPECIALIST CAR INSURANCE & CHEAP CAR INSURANCE UK FROM ADRIAN FLUX or 08700 777888

or

Firebond.LandRover, Classic Car, Modified Car, Home, Travel , Golf, Legal, insurance. or 0870 111 8969

Im with Admiral and very happy with price and service!

[Martin F]

It might be worth trying a larger excess. That can make a big difference and anyway you might not want to make a claim unless it was quite big because of the adverse effect on future renewals.

[L33 KBY]

That is always the cheaper solution....Lohen do the grille conversion for the Mini for £90 to convert the grilles to the black plastic so it looks like an aero kit then just purchase aero side skirts....its upto you whether you purchase side skirts bet that wouldnt add a penny to your insurance.....

[Den W]

Try http://www.moneysupermarkt.com/insurance/ I've had some good quotes from them

or MINI INSURANCE from ADRIAN FLUX who i'm insured with at the moment and got a good deal last year

cheers.
Den

[Andyblizz]

Cheers for all your help.

I rang Adrian Flux and they have quotes £599 so its getting better.(£400 Excess, Pro NCB, Legal Cover)

I just cant believe an optional extra can have this much effect on the insurance. And the stupid thing is if i had a MCS GP the insurance would be cheaper. It just a shame i cant afford it. And with Me, the Wife and the little one its even more impractical and a normal mini.

I wish there were insurance company which had common sense, and not stupid rules which make it so difficult to get a reasonable insurance quote.

The hunt will continue. But I bet once i have found the insuance the car i want will be sold.

Andy

[fakesnake]

Try Endsleigh Insurance

I had big problems insuring our MCS as I was not allowed to transfer my NCB to a second car. They allowed my an introductory discount & the premium was £450 -result

[MCO7PER S]

£335.00 Direct line .
Age 45+.Plus spose . £350.00 exess.
No claims protection .

[Dave_Boost777]

Refer to the How much do you pay thread, might give an idea as to what others pay etc.

Im with Adrian Flux, 21, with 06 MCS, and mine is £850 fully comp, with 3 points, 3 years ncb.

I think they will be your best bet.

[J0nesy]

Quote: Originally Posted by Dave_Boost777 (original)

Refer to the How much do you pay thread, might give an idea as to what others pay etc.

Im with Adrian Flux, 21, with 06 MCS, and mine is £850 fully comp, with 3 points, 3 years ncb.

I think they will be your best bet.

I agree, 24, 6 points, 3 yrs NCB, Brand New Cooper S = £795. (Considering I was paying that for my old 53plate cooper I'm a happy chappy)

I was quoted over a grand by my previous insurer!!

I vote Adrian Flux all the way!!!!

Dave,