UK Cooper S insurance

[waynef]

Quote:

Originally posted by Ziggy
There was another thread kicking around recently about insurance which I posted on (might try and find it).

Basically, I took out cover with Admiral as gave me a good quote. I phoned to confirm a couple of details and they asked if I had the Chilli pack. When I said yes they upped the premium by about £50 (I said it was £150 on the other thread - I think I was just getting my knickers in a twist and my maths had gone to pot). The insurance docs came through and they had listed the DS metallic paint option as a "Respray (different colour)", the front fogs as "Rally/spot lights", and listed the 17" alloys as "Alloy wheels (optional extra)" as if it didn't have alloys as standard - didn't seem quite right.

Anyway, the point is that someone on the other thread (I'll have to find it to thank him) replied that I should be careful as Admiral would only repair/replace the car to standard spec. So, if the car gets nicked, I get a standard S without the £2k+ of options!

I checked the small print and he's right. That's quite shocking! I stated the car's value as £16.5k, I was charged an extra premium for my factory fitted options, yet they won't replace the car to it's full value!

I phoned Admiral to cancel my policy and they tried to charge me 20% of the annual premium (after 9 days cover). They insisted that I would have been told this when I took out the cover (would I really have signed up to an effective excess of £2.5k?) and they had the tapes of the call to prove this. I asked them to dig out these tapes (which would have formed the basis of the contract) to prove this and they said they'd get back to me. Of course, I had to chase them.

They then said that I would only be charged for the 9 days cover I had had. No apology for deliberately misleading me, calling me a liar when I said I hadn't been informed of the unreasonable terms, and not even calling me back to let me know they were in the wrong.

Oh my lord, my blood's boiling again.

Anyway, upshot is that I got a quote from esure yesterday. About £30 cheaper than Admiral and as long as the car hasn't been modified since leaving the factory they are happy. Doesn't help you guys out there with the aftermarket mods (and I'm getting me a Hartge conversion once the 3 year MINI warranty runs out) but esure seem a good bet for standard cars.

Ziggy

Hi Ziggy,

I may be wrong but you've just explained a response from me on this thread!!! Take a look further up. I use esure too for just this reason you describe.

I sent them a letter too to back up our conversations.

[Ziggy]

Wayne,

Absolutely no disrespect meant to the quality of your advice (and all the other, helpful people on mini2.com). I've looked at a lot of it now and it's usually very helpful.

Only I had been looking at the other thread on about March 3rd when I originally got a response from crashandburn about Admiral's gap in cover. At that point, this thread hadn't had a post for a while so wasn't as visible.

Ziggy

[PaulMc]

Once again, thanks for all the responses.

Solwood, I pay £900 (just gone up a little) for my P1 AND it has £8k worth of OEM extras including full catless exhaust, helping to produce 312bhp.

[coopersworks]

Try Elephant.co.uk i was qouted 564 (1 years NCB)

[Ziggy]

elephant is part of Admiral and I think we can safely say I have a bee in my bonnet about them now. I've used Admiral before and had no complaints but that was before I had a MINI with the usual long list of extras that BMWs have.

Admiral/elephant/... only if you have (virtually) no options. If you're really high risk (young, convictions, inner city, etc) try Adrian Flux - I've had some pretty competitive quotes from them in the past.

[scott321172]

Direct Line is worth a shot.

[Nic D]

Just spoke to a company called Liverpool Victoria, they quoted me £766.69 for FC cover with a £350 excess and protect NCB, 5 years NCB, 25years old, 13 points, and for unlimited mileage and cover too and from multiple places of business. Car insured for £17K and no problem with factory/dealer fit options, modification such as an increase in power are not a problem either. Unprotected NCB price is £684.42.

They're at www.liverpoolvictoria.co.uk and are very friendly and helpful, i think my quote will be very very hard to beat.

[Tommy Cooper S]

Charged me an extra £25 for having the Chili pack!

But I get it on Saturday so don't care!!!!

Tommy.