Cooper S insurance

[masjj]

I ordered my cooper s a few months ago and have spent far too much money on it - sat nav, leather, harman kardon etc.

How do these options affect my insurance? As they are not fitted as standard on the car, does it make my MCS 'modified' in insurance terms? It's going to cost me some serious cash as it is to insure it, approx £800 - £900 fully comp.

[Jazzy Jase]

masjj, there are loads of posts on this topic. Try doing a search on insurance.

General concensus is, it depends on your insurance company.

As it came from the factory with the extras fitted then the insurance company may cover it as standard and will base the insurance on the price of the car.

Other insurance companies(mine included... Tesco Insurance) class the extras as modifications and charge extra. I think my insurance company has counted the 17 inch wheels and leather seats as modifications. Other things, such as the Xenons, and aircon were not an issue.

[LMB]

As Cooper_S said, some class them as modifications some don't, so shop around. As far as I'm concerned if it's a factory fit it's not a modification. Happy hunting.

[masjj]

Just done some investigation work on this.

In UK it seems like Norwich Union do not class things like Sat Nav as modifications if they were installed when manufactured.

HSBC insurance count modifications as things added after the car is built.

I'm with Norwich Union now so I'll probably try them.

Thanks for the info!