MINI2

!!cam!! · Mar 23rd, 2007, 06:53 PM

hey guys! i know there are already loads of threads on the sound kit and the insurance problems it comes with but can anyone PLEASE!! give me any advise? my insurance company wont insure this "modification" even though i have already explained this is just a sound kit.

can anyone please tell me:

how you explained to to your insurance company??
what insurance company your with?
and how much they increased your premium by?

also i am a young driver so if there are any other young drives with the sound kit if you could give us any info that would be usefull.

thanks guys, i really really want this sound kit as its mint!! n would be gutted if my damn insurance stops me!

lol

cheers

drumzz · Mar 23rd, 2007, 07:04 PM

hi boss,
if youdo nt mind me asking, how old are u? lovely coop by the way. what insurance company are u with?

supa-dupa-cooper · Mar 23rd, 2007, 07:17 PM

Insurance companies dont like young people and mods. End of.

Try a specialist Mini insurer like Adrian Flux. Im with Zurich now (no performance mods on mine though)

drumzz · Mar 23rd, 2007, 07:21 PM

i called up adrian flux as i am possibly thinking of a cooper S from my cooper...they refused to insure me till i 19...i guess thats no good since im 17! can u get away by not telling them you've added the sound kit?

supa-dupa-cooper · Mar 23rd, 2007, 07:38 PM

Quote: Originally Posted by drumzz (original)

can u get away by not telling them you've added the sound kit?

And when something happens and they wont pay out........

Its not worth the risk in my eyes, i'd much rather everything was covered properly!

KillerByte · Mar 23rd, 2007, 08:30 PM

Quote: Originally Posted by drumzz (original)

i called up adrian flux as i am possibly thinking of a cooper S from my cooper...they refused to insure me till i 19...i guess thats no good since im 17!

A Cooper S at the age of 17? I'm no insurance broker but I wouldn't be comfortable covering a 17 year old on a car of that type either.

Alex5 · Mar 23rd, 2007, 08:46 PM

Quote: Originally Posted by KillerByte (original)

A Cooper S at the age of 17? I'm no insurance broker but I wouldn't be comfortable covering a 17 year old on a car of that type either.

A similar system to motorbikes age/power should be applied to cars aswell IMO

MartinSSZ · Mar 23rd, 2007, 08:55 PM

Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S.

SiBradbury · Mar 23rd, 2007, 08:59 PM

Quote: Originally Posted by MartinSSZ (original)

Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S.

Not at all, but it does make him an inexperienced driver and I bet he didn't buy the S just cos the bonnet vent looked nice......

Just go to Cheap UK Car insurance and home insurance quotes comparison from Confused.com. and tick the 'air filter' box in the moditications section and see if anyone comes up with a good quote Cam! Must be really frustrating.

drumzz · Mar 23rd, 2007, 09:50 PM

Quote: Originally Posted by MartinSSZ (original)

Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S.

thanks, i've been driving stick since i was 12, abroad, and have held a license in another country since the age of 14..the only reason i didnt get an S in the first place was cuz of the insurance, already paying 3k on a cooper! anyone know where i can find cheap insurance on an S

Lorien · Mar 24th, 2007, 01:02 AM

wts wrong with 17 year old drivers?? they are not on pills, they can hear, they can see, and they care enough to make sure the car is top notch. on the other hand, lets talk about a 65 year old woman for example...

nothing wrong with 17 year old drivers. a lot wrong with 17 year old kids with guns though.

KillerByte · Mar 24th, 2007, 03:38 AM

Quote: Originally Posted by MartinSSZ (original)

Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S.

I never said he was a bad driver. However, at the age of 17 he is still an inexperienced driver. The Cooper S is a powerful car, especially for an inexperienced driver. Therefore, he is at a higher risk than if he was to drive a One or a Cooper.

!!cam!! · Mar 25th, 2007, 04:55 PM

Not at all, but it does make him an inexperienced driver and I bet he didn't buy the S just cos the bonnet vent looked nice......

Just go to Cheap UK Car insurance and home insurance quotes comparison from Confused.com. and tick the 'air filter' box in the moditications section and see if anyone comes up with a good quote Cam! Must be really frustrating.

yeah its really frustrating!!! lol, i mean if its a highly powerfull performance mod fair enough but all it really does is make one cracker of a sound, thanks for that sibradbury, al try n get a quote.

im not sure which insurance co im with so i'll find out for ya drumzz, i did get a quote for an s as a laugh, but it was jus takin the **** it was about £8k!!!

thanks for the advice so far guys, KEEP IT COMING!!!! lol but insurance Cos really are on another planet

Mar 23rd, 2007, 06:53 PM	#1
!!cam!! Cooper Baby!!! Join Date: Feb 2007 Location: north Local Time: 02:33 AM Posts: 52 Offline	HELP jcw sound kit insureance nightmare hey guys! i know there are already loads of threads on the sound kit and the insurance problems it comes with but can anyone PLEASE!! give me any advise? my insurance company wont insure this "modification" even though i have already explained this is just a sound kit. can anyone please tell me: how you explained to to your insurance company?? what insurance company your with? and how much they increased your premium by? also i am a young driver so if there are any other young drives with the sound kit if you could give us any info that would be usefull. thanks guys, i really really want this sound kit as its mint!! n would be gutted if my damn insurance stops me! lol cheers

Mar 23rd, 2007, 07:17 PM	#3 (permalink)
supa-dupa-cooper In S Club Heaven!! Join Date: Mar 2004 Location: Cloud MINI Local Time: 02:33 AM Posts: 20,504 Offline	Insurance companies dont like young people and mods. End of. Try a specialist Mini insurer like Adrian Flux. Im with Zurich now (no performance mods on mine though) * The Italian Job 2008......Team 50 - Website Here!* UNION JACK OWNERS CLUB GB002

Mar 23rd, 2007, 07:38 PM	#5 (permalink)
supa-dupa-cooper In S Club Heaven!! Join Date: Mar 2004 Location: Cloud MINI Local Time: 02:33 AM Posts: 20,504 Offline	Quote: Originally Posted by drumzz (original) can u get away by not telling them you've added the sound kit? And when something happens and they wont pay out........ Its not worth the risk in my eyes, i'd much rather everything was covered properly! * The Italian Job 2008......Team 50 - Website Here!* UNION JACK OWNERS CLUB GB002

Mar 23rd, 2007, 08:30 PM	#6 (permalink)
KillerByte MINI2 Slave Join Date: May 2006 Location: Nottingham Local Time: 02:33 AM Posts: 10,658 Offline	Quote: Originally Posted by drumzz (original) i called up adrian flux as i am possibly thinking of a cooper S from my cooper...they refused to insure me till i 19...i guess thats no good since im 17! A Cooper S at the age of 17? I'm no insurance broker but I wouldn't be comfortable covering a 17 year old on a car of that type either. * * * Supporting Teams 50 & 51 on The Italian Job 2008 * * * www.hangonlads.com

Mar 24th, 2007, 03:38 AM	#12 (permalink)
KillerByte MINI2 Slave Join Date: May 2006 Location: Nottingham Local Time: 02:33 AM Posts: 10,658 Offline	Quote: Originally Posted by MartinSSZ (original) Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S. I never said he was a bad driver. However, at the age of 17 he is still an inexperienced driver. The Cooper S is a powerful car, especially for an inexperienced driver. Therefore, he is at a higher risk than if he was to drive a One or a Cooper. * * * Supporting Teams 50 & 51 on The Italian Job 2008 * * * www.hangonlads.com

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Mar 23rd, 2007, 07:04 PM	#2 (permalink)
drumzz MINI2 Senior Join Date: Nov 2006 Local Time: 02:33 AM Posts: 316 Offline	hi boss, if youdo nt mind me asking, how old are u? lovely coop by the way. what insurance company are u with?

Mar 23rd, 2007, 07:21 PM	#4 (permalink)
drumzz MINI2 Senior Join Date: Nov 2006 Local Time: 02:33 AM Posts: 316 Offline	i called up adrian flux as i am possibly thinking of a cooper S from my cooper...they refused to insure me till i 19...i guess thats no good since im 17! can u get away by not telling them you've added the sound kit?

Mar 23rd, 2007, 08:46 PM	#7 (permalink)
Alex5 MINI2 Regular My Classifieds Join Date: Jan 2007 Location: Buying Mini bits Local Time: 02:33 AM Posts: 75 Offline	Quote: Originally Posted by KillerByte (original) A Cooper S at the age of 17? I'm no insurance broker but I wouldn't be comfortable covering a 17 year old on a car of that type either. A similar system to motorbikes age/power should be applied to cars aswell IMO

Mar 23rd, 2007, 08:55 PM	#8 (permalink)
MartinSSZ Yellow and Proud My Classifieds Join Date: Nov 2002 Location: Shoreham-by-Sea Local Time: 02:33 AM Posts: 787 Offline	Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S.

Mar 23rd, 2007, 08:59 PM	#9 (permalink)
SiBradbury "I'm kind of a big deal" My Classifieds Join Date: Jul 2004 Location: Wirral Local Time: 02:33 AM Posts: 1,160 Offline	Quote: Originally Posted by MartinSSZ (original) Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S. Not at all, but it does make him an inexperienced driver and I bet he didn't buy the S just cos the bonnet vent looked nice...... Just go to Cheap UK Car insurance and home insurance quotes comparison from Confused.com. and tick the 'air filter' box in the moditications section and see if anyone comes up with a good quote Cam! Must be really frustrating.

Mar 23rd, 2007, 09:50 PM	#10 (permalink)
drumzz MINI2 Senior Join Date: Nov 2006 Local Time: 02:33 AM Posts: 316 Offline	Quote: Originally Posted by MartinSSZ (original) Don't judge - just because the guy's 17 doesn't automatically make him a bad driver and unable to drive a Cooper S. thanks, i've been driving stick since i was 12, abroad, and have held a license in another country since the age of 14..the only reason i didnt get an S in the first place was cuz of the insurance, already paying 3k on a cooper! anyone know where i can find cheap insurance on an S

Mar 24th, 2007, 01:02 AM	#11 (permalink)
Lorien GP 1986 My Classifieds Join Date: Apr 2002 Location: Provincia di Cuneo Local Time: 04:33 AM Posts: 401 Offline	wts wrong with 17 year old drivers?? they are not on pills, they can hear, they can see, and they care enough to make sure the car is top notch. on the other hand, lets talk about a 65 year old woman for example... nothing wrong with 17 year old drivers. a lot wrong with 17 year old kids with guns though.

Mar 25th, 2007, 04:55 PM	#13 (permalink)
!!cam!! Cooper Baby!!! Join Date: Feb 2007 Location: north Local Time: 02:33 AM Posts: 52 Offline	Not at all, but it does make him an inexperienced driver and I bet he didn't buy the S just cos the bonnet vent looked nice...... Just go to Cheap UK Car insurance and home insurance quotes comparison from Confused.com. and tick the 'air filter' box in the moditications section and see if anyone comes up with a good quote Cam! Must be really frustrating. yeah its really frustrating!!! lol, i mean if its a highly powerfull performance mod fair enough but all it really does is make one cracker of a sound, thanks for that sibradbury, al try n get a quote. im not sure which insurance co im with so i'll find out for ya drumzz, i did get a quote for an s as a laugh, but it was jus takin the **** it was about £8k!!! thanks for the advice so far guys, KEEP IT COMING!!!! lol but insurance Cos really are on another planet

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