UK Cooper S insurance - MINI2

PaulMc · #1 (**permalink**) Jan 27th, 2003, 02:55 PM

Hi, new to this board as I am usually lurking around scoobynet as I currently run a P1.

Thinking of replacing the P1 WR with the MCS Hartge and keeping some change

So, I have been looking into insurance. Phoned both Tescos and AA for quotes, only to be astonished at how much they want, £645 and £750

That's without any modifications

I have a clean record with full NCB, 32, garaged, very favourable postcode.

Who do you guys use and/or recommend, particularly with the Hartge conversion in mind.
I haven't found much on insirance when searching this board.

Thanks

mepal47 · #2 (**permalink**) Jan 27th, 2003, 10:00 PM

That does seem quite steep giventhe details you have given

I was quoted just over £1200 for a MCS im 21, 1 yr no claims, 1 fault accident 2001, and in a low risk area.

How much is the insurance on the P1 if you don't mind me asking.

Andrew
FRP255

www.fordracingpuma.com

Bullett · #3 (**permalink**) Jan 28th, 2003, 08:29 AM

I think ther is another quite lenghy thread on insurance prices, do a search there were lots of good tips for a reasonable quote.
I am 31, full NCB but 3 points and was quoted between £500 and £600 leaving it on a driveway. Can't remeber who from though, try to find the other thread!

ChrisBuer · #4 (**permalink**) Jan 28th, 2003, 08:43 AM

I would consider giving Direct Line a call. I managed to get insured when I was 23 on my Elise for a very good price.

They are by far the best insurer I have found yet. In addition they will quote you on the Mini with conversion if you state the percentage of power increase on the engine.

I think i paid an extra £20 for my 135 upgrade, (about 15% increase in power).

Good luck!

PaulMc · #5 (**permalink**) Jan 28th, 2003, 09:11 AM

Mepa147,

Insurance on the P1 last year was £900. The year before that it was only £640.

Abbey National have just quoted me £840!

I am confused as to why such high premiums? I am going to search here for insurance threads and see who you guys are using. May phone a firend in the industry as well.

This is more troublesome than I thought. Anyone else recommend and insurance company?

DocT · #6 (**permalink**) Jan 28th, 2003, 09:13 AM

Try Esure

£325 bad postcode (glasgow) 39yrs full ncb, garaged

ChrisBuer · #7 (**permalink**) Jan 28th, 2003, 11:42 AM

Direct Line just quoted me £796.95 on a MCS. This is with:

1 claim made (2002, protected no claims)
5 years no claims
Good post-code
No convictions / Bans
24yrs old.

Paul · #8 (**permalink**) Jan 28th, 2003, 11:56 AM

I have found BMW Insurance to be very good price and service wise.

jamiem · #9 (**permalink**) Jan 28th, 2003, 08:52 PM

I have just had my premium renewal come through and my insurance has gone up from ~£800 to £1400 since the summer.

I live in an average part of London
29 years old
7 years NCB protected
3 pts for speeding

Best quote on shopping around seems to be about £1300!

I might have to sell my lovely car....

Has the Cooper S become the new Escort Cosworth???

Does anyone know a good but cheap insurer? Esure refused to quote as I'm under 30....

dco43054 · #10 (**permalink**) Jan 29th, 2003, 01:24 AM

I have been reading this thead for a while. I am amazed at the cost of insurance and registration in the UK.

I live in Ohio in the U.S. I have a 1997 Ford Explorer presently insured at a cost of $730 annually. My new MCS is only going to add $600 annually to my total. And - it will cost $48 per year to register!

Cheers,

Dave

PaulMc · #11 (**permalink**) Jan 29th, 2003, 03:34 PM

Thanks for the comments.

I will phone around some of the suggested insurance companies tomrrow and let you know what quotes I get.

diverse · #12 (**permalink**) Jan 29th, 2003, 04:07 PM

Try www.morethan.com they came in best for us!

GTT 280 · #13 (**permalink**) Jan 30th, 2003, 12:19 PM

How many people have assumed that if they have a chilli pack that this is covered by their insurance.
How many people have explicitly stated that they have a chilli pack and leather to their insurers.

Cheers,
EB MINI

diverse · #14 (**permalink**) Jan 30th, 2003, 12:22 PM

most insurers ask for value of the car, all cars have options wether metallic paint or aircon (unless u have a high end car like Maybach) but even that car has options.

Most insurers are interested in non factory or dealer fitted options, body kit, chips etc.

Always worth declaring them though and checking fine print of policy!

GTT 280 · #15 (**permalink**) Jan 30th, 2003, 01:10 PM

Quote:

Originally posted by diverse
most insurers ask for value of the car, all cars have options wether metallic paint or aircon (unless u have a high end car like Maybach) but even that car has options.

Most insurers are interested in non factory or dealer fitted options, body kit, chips etc.

Always worth declaring them though and checking fine print of policy!

My insurer added an extra £200+ on my Cooper when I said I had Chilli with Leather.

It was with elephant.co.uk

Cheers,
EB MINI