Geico so cheap, JCW? - MINI Cooper Forum
Go Back   MINI Cooper Forum > All Models & Variants > Finance & Insurance


Finance & Insurance Use this forum to discuss financing and insuring your MINI

Mini2.com is the premier Mini Cooper Forum on the internet. Registered Users do not see the above ads.
Reply
 
LinkBack Thread Tools Rate Thread
  #1 (permalink)  
Old Feb 11th, 2013, 05:49 AM
MINI2 Newbie
Offline
 
Join Date: Feb 2013
Posts: 5
Local Time: 06:54 AM
Geico so cheap, JCW?

All,

I just bought an '07 JCW Mini. This is when JCW was still a kit, but in the case of my Mini (so I'm told), it was fitted at the factory rather than at the dealer. I got quotes for insurance from Esurance (Allstate), Progressive, and Geico.

Geico didn't draw a distinction between models, so as far as their website is concerned there was only one model in 2007.... the MINI. This may be why they gave me a quote basically half of what the others quoted. Naturally I took it, but wondered if anyone else had an issue with this? If something were to happen, how would I prove these were factory options? The sale did not include the window sticker :-/

Let me know, thanks!
Reply With Quote
Sponsored Links
Advertisement
 
  #2 (permalink)  
Old Feb 11th, 2013, 12:27 PM
MINI2 Regular
Offline
 
Join Date: Dec 2011
Posts: 76
Local Time: 07:54 AM
United Kingdom
Not sure how it would work with US law but in UK you would be at risk of not be insured properly and having to pay aditional premiums or even having your policy declared void.
You can't just pick the closest model to your because they don't have your's on the list, you would need to phone them up for a proper quote
if your insurance documents just say Mini, not JCW Mini or Mini Cooper S with a JCW tuning kit, what do expect them replace it with if it get's written off?
Reply With Quote
  #3 (permalink)  
Old Feb 11th, 2013, 06:22 PM
Caveman's Avatar
MINI2 Master
Offline
 
Join Date: Jul 2002
Location: Stone Age
Posts: 2,185
Local Time: 08:54 AM
Estonia Male View Caveman's Classified Ads
Quote: Originally Posted by wired1000 (original)
All,

I just bought an '07 JCW Mini. This is when JCW was still a kit, but in the case of my Mini (so I'm told), it was fitted at the factory rather than at the dealer. I got quotes for insurance from Esurance (Allstate), Progressive, and Geico.

Geico didn't draw a distinction between models, so as far as their website is concerned there was only one model in 2007.... the MINI. This may be why they gave me a quote basically half of what the others quoted. Naturally I took it, but wondered if anyone else had an issue with this? If something were to happen, how would I prove these were factory options? The sale did not include the window sticker :-/

The 2nd Gen JCW Engine Tuning Kit is an Aftersales Accessory not a factory option. It might have been fitted at the Vehicle Processing Center after arrival in the US rather than by a dealer, but not at the factory.

The insurance company is most likely using the VIN to identify the model. The Vehicle Code portion of the VIN for a 2nd Gen MCS model (with or without a JCW Tuning Kit) is different from that of a John Cooper Works model.

If you want coverage for your JCW Kit you'll probably have to declare it as a modification.
Reply With Quote
  #4 (permalink)  
Old Feb 15th, 2013, 10:59 PM
Macguyvic's Avatar
Macguyvic
Offline
 
Join Date: Aug 2011
Location: Richmond, Texas
Posts: 586
Local Time: 01:54 AM
United States Male
One ticket with Geico and watch your premiums skyrocket!
Reply With Quote
Sponsored Links
Advertisement
 
Reply
Tags: ,



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

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

» Hot Topics This Week
What type of person drives a MCS - (91 replies)
More Ship Tracking - (29 replies)
front bushes..... - (16 replies)
Cooper S Pulley Advice - (16 replies)
exhaust manifold glowing red on cooper s - (16 replies)
» Recent Threads
2005 mcs throttle monitoring fault
Today 12:37 AM
Last post by crazyyardie
Today 12:37 AM
0 Replies, 81 Views
03 Mini One Oil Pressure
Yesterday 10:40 PM
Last post by Russel1311
Yesterday 10:40 PM
0 Replies, 85 Views
mini one d
Yesterday 09:59 PM
Last post by martinb955
Yesterday 09:59 PM
0 Replies, 90 Views
Supercharger Oil
Nov 25th, 2014 08:34 PM
Last post by markwazere
Yesterday 09:14 PM
2 Replies, 258 Views
Bonnet Catch not Latching
Nov 25th, 2014 08:28 PM
Last post by markwazere
Yesterday 09:12 PM
7 Replies, 338 Views
RC Italian Job 2014
Yesterday 12:13 AM
by mab01uk
Last post by markwazere
Yesterday 09:08 PM
1 Replies, 223 Views
High Centered My R56
Yesterday 02:57 AM
Last post by qwiksilver
Yesterday 09:02 PM
2 Replies, 228 Views
New mini
Yesterday 07:40 PM
Last post by Stefan1127
Yesterday 07:40 PM
0 Replies, 116 Views
Finding Final Stage (Hedgehog) Resistor
Jul 29th, 2014 09:48 PM
Last post by crackernibbles
Yesterday 06:07 PM
8 Replies, 1,022 Views
Gtt260 mcs seen
Jul 13th, 2014 12:58 PM
by Pops123
Last post by justinhi
Yesterday 04:31 PM
2 Replies, 491 Views
Review - AEM Cold Air Intake
Yesterday 10:13 AM
Last post by mikewake
Yesterday 10:13 AM
0 Replies, 137 Views
exhaust manifold glowing red on cooper s
Sep 16th, 2008 12:24 AM
by craig87
Last post by CCroker
Nov 26th, 2014 10:35 PM
16 Replies, 4,946 Views
2011 Mini S Oil Change Light Reset
Nov 13th, 2014 03:44 PM
by wward7
Last post by Wildspark
Nov 26th, 2014 09:44 PM
1 Replies, 395 Views
Expansion Tank - Alternatives?
Nov 25th, 2014 08:51 PM
Last post by Wildspark
Nov 26th, 2014 09:39 PM
2 Replies, 240 Views
04 S won't start, battery reads fine, so does alternator
Nov 25th, 2014 10:02 PM
Last post by Restyle
Nov 26th, 2014 09:06 PM
1 Replies, 236 Views
Burned exhaust valves on R56 Cooper S
Apr 20th, 2011 05:18 PM
Last post by Musx
Nov 26th, 2014 08:44 PM
15 Replies, 13,247 Views
Blower motor not working
Nov 14th, 2014 03:40 PM
Last post by Restyle
Nov 26th, 2014 07:34 PM
4 Replies, 444 Views
Live feed when key in ignition
Nov 26th, 2014 07:20 PM
by SteveM3
Last post by SteveM3
Nov 26th, 2014 07:20 PM
0 Replies, 126 Views
heated windscreen
Nov 24th, 2014 11:19 AM
Last post by marque
Nov 26th, 2014 05:41 PM
7 Replies, 453 Views
Dash light query
Nov 25th, 2014 02:03 PM
by Rab2766
Last post by Creepy coupe
Nov 26th, 2014 03:36 PM
2 Replies, 232 Views
» Premium
» Auto Insurance
Wheel & Tire Center

Powered by vBadvanced CMPS v3.2.1

All times are GMT. The time now is 06:54 AM.



Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.3.2