MINI2

JJW · May 9th, 2007, 01:18 PM

Swift Cover are coming up as the cheapest insurance company for me at the mo...

Their website also states that any factory or dealer fit option need not be declared.

Their policy document http://www.swiftcover.com/EN/Home/ca...icyWording.pdf

also states that in the event of an accident they "will not pay for the additional cost of modifications other than those supplied and fitted by the manufacturer or their approved garage at the time of original registration"

Does this not solve the declaring factory / dealer fit "mods" for those of us that specced highly (aero kit, wheels etc) in the showroom, only to regret listing the lot on insurance quotes?

Seems to me that they insure everything if purchased when the car was manufactured and will pay to replace it if it all goes pear shaped!

Anyone know any different / have any experience of Swift Cover?? Am I reading the policy correctly? I hope I am...

Thanks, James

FergusM · May 14th, 2007, 11:46 AM

So I sent an email to them asking that question as I'm looking into insuring my MCS with the aero body kit from next month.... response was...

"We will cover the extras fitted to your vehicle as long as they were fitted to the car at the point of manufacture by BMW."

So that would suggest that any JCW aero kits, different alloys, spot lights etc done by dealer would not be covered....and might cause issues if you had a claim? But wording quoted previously suggests otherwise ??

I might get round it as the Aero Body Kit will be fitted to my car at first registration... but suggests anything else later fitted would not be covered ?

I'm asking for further clarification...and will post what I get back..

Shaun · May 14th, 2007, 11:57 AM

I use swift cover mainly because they dont ask questions about alloys wheels so long as they didnt cost more than £500 good job mine were £499.

FergusM · May 16th, 2007, 11:38 AM

So I got a reply "After referring your query to our underwriting department, I can confirm that this modification is acceptable as long as it has been fitted by BMW as standard from new and that your vehicle value has been correctly adjusted on your quote to show this extra."

So sounds like I can cover my Aero Kit without calling it modified

JJW · May 16th, 2007, 11:42 AM

Amazing!

Now all I have to do is wait until renewal and then change to swift cover. At last, a sensible insurer with sensible rules.

How on earth can anything on an options list be classed as a modification?? Well done swift cover! I hope that the other insurers will follow...

Thanks for digging into that Fergus, really has helped!

James

vigilante · May 16th, 2007, 12:26 PM

Sounds Great

Only problem I have found with them is that their cheap premiums are offset by a ridiculous mandatory excess £500 in my case

Hodude · May 29th, 2007, 07:40 PM

I'm trying to obtain a quote from Swift online, but its saying i'm too young to be covered on my MCS..... I'm 27 !!

Is this correct? Has anyone else had this problem?

May 9th, 2007, 01:18 PM	#1
JJW MINIMINIMINI Join Date: Nov 2006 Location: Wiltshire Local Time: 12:05 AM Posts: 35 Offline	Swift Cover Swift Cover are coming up as the cheapest insurance company for me at the mo... Their website also states that any factory or dealer fit option need not be declared. Their policy document http://www.swiftcover.com/EN/Home/ca...icyWording.pdf also states that in the event of an accident they "will not pay for the additional cost of modifications other than those supplied and fitted by the manufacturer or their approved garage at the time of original registration" Does this not solve the declaring factory / dealer fit "mods" for those of us that specced highly (aero kit, wheels etc) in the showroom, only to regret listing the lot on insurance quotes? Seems to me that they insure everything if purchased when the car was manufactured and will pay to replace it if it all goes pear shaped! Anyone know any different / have any experience of Swift Cover?? Am I reading the policy correctly? I hope I am... Thanks, James

May 14th, 2007, 11:57 AM	#3 (permalink)
Shaun Mr Big Stuff Join Date: Apr 2002 Location: Oldham Local Time: 12:05 AM Posts: 3,155 Offline	I use swift cover mainly because they dont ask questions about alloys wheels so long as they didnt cost more than £500 good job mine were £499. http://www.flickr.com/photos/shaun-g/

May 16th, 2007, 12:26 PM	#6 (permalink)
vigilante Whats this Datsun? Join Date: Jul 2006 Location: durham drift school Local Time: 12:05 AM Posts: 781 Offline	Sounds Great Only problem I have found with them is that their cheap premiums are offset by a ridiculous mandatory excess £500 in my case Mini Mania 08 13th July 08 - Durham - Its mahoosive! North East Mini Club - More Mini Fun in the North East!!

Thread Tools	Search this Thread
Show Printable Version Email this Page	Search this Thread: Advanced Search
Rate This Thread
Rate This Thread:

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
Russ Swift	paul wheadon	General Discussion	18	Jul 23rd, 2003 02:45 AM
Russ Swift in the US!	mjem	General Discussion	5	Mar 14th, 2002 02:38 AM
Russ Swift Near You???	smiffy	General Discussion	3	Jan 28th, 2002 11:23 AM

MINI2

Fuel for your MINI obsession

Use this forum to discuss financing and insuring your MINI

Today
Sponsors	Sponsored Links Registered members do not see Google Ads posts, they can also post messages, pictures, and classified adverts. Register your free account today and become a member of MINI2 - MINI Forum

May 14th, 2007, 11:46 AM	#2 (permalink)
FergusM MINI2 Senior My Classifieds Join Date: Apr 2007 Location: Glasgow Local Time: 12:05 AM Posts: 690 Offline	So I sent an email to them asking that question as I'm looking into insuring my MCS with the aero body kit from next month.... response was... "We will cover the extras fitted to your vehicle as long as they were fitted to the car at the point of manufacture by BMW." So that would suggest that any JCW aero kits, different alloys, spot lights etc done by dealer would not be covered....and might cause issues if you had a claim? But wording quoted previously suggests otherwise ?? I might get round it as the Aero Body Kit will be fitted to my car at first registration... but suggests anything else later fitted would not be covered ? I'm asking for further clarification...and will post what I get back..

May 16th, 2007, 11:38 AM	#4 (permalink)
FergusM MINI2 Senior My Classifieds Join Date: Apr 2007 Location: Glasgow Local Time: 12:05 AM Posts: 690 Offline	So I got a reply "After referring your query to our underwriting department, I can confirm that this modification is acceptable as long as it has been fitted by BMW as standard from new and that your vehicle value has been correctly adjusted on your quote to show this extra." So sounds like I can cover my Aero Kit without calling it modified

May 16th, 2007, 11:42 AM	#5 (permalink)
JJW MINIMINIMINI Join Date: Nov 2006 Location: Wiltshire Local Time: 12:05 AM Posts: 35 Offline	Amazing! Now all I have to do is wait until renewal and then change to swift cover. At last, a sensible insurer with sensible rules. How on earth can anything on an options list be classed as a modification?? Well done swift cover! I hope that the other insurers will follow... Thanks for digging into that Fergus, really has helped! James

May 29th, 2007, 07:40 PM	#7 (permalink)
Hodude this is my world... My Classifieds Join Date: May 2006 Location: NE Local Time: 12:05 AM Posts: 72 Offline	I'm trying to obtain a quote from Swift online, but its saying i'm too young to be covered on my MCS..... I'm 27 !! Is this correct? Has anyone else had this problem?

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)