Just bought mini what extras do I need to tell insurance about - MINI Cooper Forum

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post #1 of 9 (permalink) Old Mar 19th, 2014, 03:51 PM Thread Starter
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Just bought mini what extras do I need to tell insurance about

Just bought a 60 plate mini one 1.6 but it come with extras and just want to know which ones do I need to tell insurance company about.

All of the extras were factory fitted except the alloy wheels which I believe were fitted after delivery

17 inch alloys
chrome line exterior
roof in body colour
interior world carbon black
automatic air conditioning
enhanced bluetooth with usb audio
mini connected
sports steering wheel
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post #2 of 9 (permalink) Old Mar 19th, 2014, 05:24 PM
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just tell them what youve said here and see what they say?
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post #3 of 9 (permalink) Old Mar 19th, 2014, 05:32 PM
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MINI's must be a nightmare for insurance companies, everything is an extra. I never said anything about mine when I insured it because as far as I was concerned it was factory standard, ok it had 17" wheels, Bluetooth, heated screen, visual boost, heated seats etc but it left the factory like that. If it had something extra added afterwards then I think t at is what they are more worried about.
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post #4 of 9 (permalink) Old Mar 20th, 2014, 02:03 AM
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Insurance companies ask if it has had modifications, factory fitted extras are not modifications. Like mid life mini says if it had something added after then its a modification which you are supposed to tell your insurance about
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post #5 of 9 (permalink) Old Mar 20th, 2014, 12:13 PM Thread Starter
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Cheers guys so if I reading it right the only thing I need to tell them about is the alloy wheels ?

I just worry if I'm in a crash they will only pay out for a standard 1.6 d and not the extras
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post #6 of 9 (permalink) Old Mar 20th, 2014, 01:21 PM
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I think to be on the safe side for your peace of mind, as The Nun says tell then what you have said her and take it from there.

If they ask about modifications, say you havent mod-ed it but it has extras and see what they say.
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post #7 of 9 (permalink) Old Apr 18th, 2014, 07:08 PM
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I have liability (Their car is covered mine is totaled) and I pay around $30 per month through Progressive. I'm only 21 and that's not at all bad. My parent owns the car while I am driving it. Not too bad. I'd imagine full coverage would be around 80-120 per month.

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post #8 of 9 (permalink) Old Apr 18th, 2014, 07:43 PM
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Quote:
Originally Posted by heathwebbo View Post
Insurance companies ask if it has had modifications, factory fitted extras are not modifications. Like mid life mini says if it had something added after then its a modification which you are supposed to tell your insurance about
^^^ This is how I understand it too.

However, what happens if you add something at a later date that just happens to have been available from the factory?

In my case I've added an Aero bodykit, it's declared with the insurance company but it's something I really shouldn't have to do. I mean, what if the original owner had opted for it!!!
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post #9 of 9 (permalink) Old Jun 19th, 2014, 11:06 AM
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I'd be tempted to make sure you have proof of the factory extras just in case something happens and you need to have your insurers pay out in the event of a write off/stolen. At least you have some ammunition as they'll kick you in the nuts with a value anyway. Factory build sheet showing the extras fitted, photos, etc. Just keep it documented with your files.
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