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.
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
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.
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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