MINI2

AndySav · Apr 1st, 2003, 02:39 AM

How much are people paying for there insurance? Im 20 and the insurance for my Cooper is going to cost £730 with direct line. I have 3 years no claims. Will the fact of me upgrading to chilli pack and then 17inch alloys affect my premium as i havent notified the company as it is coming from the factory with these on

Thanks Andy

jre7star · Apr 1st, 2003, 03:38 PM

Changing your car to chilli with the 17's shouldn't effect the price of your insurance much - only tell them the spec if they ask, some companies i spoke to were well aware of the options available on the car and asked me if i had salt etc but thne others just asked if it had been modified after leaving the factory.
£750? i'm on my second year now and im still paying more than double that!!

KJ_daGreenMini · Apr 2nd, 2003, 01:00 AM

i'm about £100 more but i have no year no claims, so i guess thats not too bad. oh, and i'm 22.

Leadfootlen · Apr 2nd, 2003, 02:20 AM

Have you tried www.elephant.co.uk? I used them and have been told by a few people they are one of the cheapest insurers at the moment. I am paying £750 on my mcs, im only 25 but do have 5 years no claims. Still the mcs is a few groups higher than the cooper, so it could be worth a try. Quotes online are good, the only drawback is you have to pay it all in one go. Can't pay in installments.

TTFN

James

dietcokeplease · Apr 2nd, 2003, 04:14 PM

Direct Line load the Chili Pack by 10% and they may load more for 17" wheels.

Check out Elephants Policy Wording first before getting a quote. Although they have a section where they allow you to declare options, they have a disclaimer on paying out for options in the event of a claim; ie they will only return the car to it's standard spec.

KenL · Apr 2nd, 2003, 04:29 PM

Directline asked me specifically the spec of my car. They are aware of SALT, PEPPER & CHILLI. My car model is listed as MINI ONE SALT.

If I were you I'd tell them.

MiniMellie · Apr 2nd, 2003, 04:45 PM

Try Tesco online. I'm paying £560 for my mini cooper and that includes my partner as well for fully comp. If you book it online you get a discount also.

MiniMellie

TheBlackKnight · Apr 2nd, 2003, 05:38 PM

Whatever you do, don't use Adrian Flux - they are absolute robbers! I think I'm going to have to declare my list of mods and brace myself for a nasty premium hike!

dietcokeplease · Apr 2nd, 2003, 09:13 PM

Years ago in my semi-Max Power/Riceboy days, I used Adrian Flux, until I found out that they charged £25 for each amendment, alteration etc - want a Green Card, £25 please! Temporary loan vehicle, £25 please! Don't know if they still do this but it's left a sour taste in my mouth.

TheBlackKnight · Apr 2nd, 2003, 09:22 PM

dietcokeplease - You're just down the road from me, I'm in Beckenham! Wonder how many other Kent MINIs there are on here! Anyway, look, here's a thought - try picking up a copy of MiniWorld / Mini Magazine from the newsagents and phone up a few of the insurance companies in there. That's what I'll be doing - I've a feeling all my mods are really going to hit me where it hurts...

..straight in the wallet!

Red7 · Apr 3rd, 2003, 09:43 PM

I went for elephant.co.uk, I'm 22 with no no claims (been on company car scheme) + my girlfriend who has been driving for 4 months, £1400. My car has lots of extras so took out the mini shortfall insurance. £350 for 3 years which in the event of my car being a write off mini shortfall will cover the difference between what your insurance pays out (list price £14600 - depreciation) and your purchase price (£17000+).

lets just hope I don't have to use it ;0)

D

AndySav · Apr 4th, 2003, 02:38 AM

thanks for your help! i hope direct line dont up the premium for extras!i would be very annoyed!

Apr 1st, 2003, 02:39 AM	#1
AndySav MINI2 Regular Join Date: Mar 2003 Location: Grimsby Local Time: 10:02 AM Posts: 97 Offline	Insurance for younger drivers! How much are people paying for there insurance? Im 20 and the insurance for my Cooper is going to cost £730 with direct line. I have 3 years no claims. Will the fact of me upgrading to chilli pack and then 17inch alloys affect my premium as i havent notified the company as it is coming from the factory with these on Thanks Andy

Apr 1st, 2003, 03:38 PM	#2 (permalink)
jre7star Mini2 junkie Join Date: Aug 2002 Location: Bedfordshire Local Time: 11:02 AM Posts: 239 Offline	Changing your car to chilli with the 17's shouldn't effect the price of your insurance much - only tell them the spec if they ask, some companies i spoke to were well aware of the options available on the car and asked me if i had salt etc but thne others just asked if it had been modified after leaving the factory. £750? i'm on my second year now and im still paying more than double that!! A Black One to a VX220 .. onto a 250bhp Focus RS . . . and now an 05 MCS

Apr 2nd, 2003, 02:20 AM	#4 (permalink)
Leadfootlen MINI2 Regular Join Date: Feb 2003 Location: Kingston, Surrey, En Local Time: 10:02 AM Posts: 85 Offline	Have you tried www.elephant.co.uk? I used them and have been told by a few people they are one of the cheapest insurers at the moment. I am paying £750 on my mcs, im only 25 but do have 5 years no claims. Still the mcs is a few groups higher than the cooper, so it could be worth a try. Quotes online are good, the only drawback is you have to pay it all in one go. Can't pay in installments. TTFN James "May The Force Not See You" 2002 Cooper S, 209+Bhp Minispeed Stage II Tuning Kit, Pipercross Induction Kit

Apr 2nd, 2003, 04:14 PM	#5 (permalink)
dietcokeplease Official MINI2 Fluffer Join Date: Jul 2001 Location: Spearmint Rhino Local Time: 10:02 AM Posts: 5,315 Offline	Direct Line load the Chili Pack by 10% and they may load more for 17" wheels. Check out Elephants Policy Wording first before getting a quote. Although they have a section where they allow you to declare options, they have a disclaimer on paying out for options in the event of a claim; ie they will only return the car to it's standard spec. There is just one moon and one golden sun; And a smile mean friendship to ev'ryone; Through the mountains divide, and the oceans are wide; It's a small world after all.

Apr 2nd, 2003, 04:29 PM	#6 (permalink)
KenL MINI2 Master Join Date: May 2002 Location: Edinburgh Local Time: 11:02 AM Posts: 5,210 Offline	Directline asked me specifically the spec of my car. They are aware of SALT, PEPPER & CHILLI. My car model is listed as MINI ONE SALT. If I were you I'd tell them. Red/Black R56 Cooper

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Apr 2nd, 2003, 01:00 AM	#3 (permalink)
KJ_daGreenMini what happened to that boy Join Date: Feb 2003 Local Time: 11:02 AM Posts: 1,687 Offline	i'm about £100 more but i have no year no claims, so i guess thats not too bad. oh, and i'm 22.

Apr 2nd, 2003, 04:45 PM	#7 (permalink)
MiniMellie MINI2 Newbie Join Date: Mar 2003 Location: Near Reading Local Time: 11:02 AM Posts: 11 Offline	Try Tesco online. I'm paying £560 for my mini cooper and that includes my partner as well for fully comp. If you book it online you get a discount also. MiniMellie

Apr 2nd, 2003, 05:38 PM	#8 (permalink)
TheBlackKnight MINI2 Senior Join Date: Feb 2003 Location: London, England Local Time: 11:02 AM Posts: 380 Offline	Whatever you do, don't use Adrian Flux - they are absolute robbers! I think I'm going to have to declare my list of mods and brace myself for a nasty premium hike! MINI Going.....Toyota Supra RZ-S Twin Turbo Coming....Standing Quarter, anyone....?

Apr 2nd, 2003, 09:13 PM	#9 (permalink)
dietcokeplease Official MINI2 Fluffer Join Date: Jul 2001 Location: Spearmint Rhino Local Time: 10:02 AM Posts: 5,315 Offline	Years ago in my semi-Max Power/Riceboy days, I used Adrian Flux, until I found out that they charged £25 for each amendment, alteration etc - want a Green Card, £25 please! Temporary loan vehicle, £25 please! Don't know if they still do this but it's left a sour taste in my mouth. There is just one moon and one golden sun; And a smile mean friendship to ev'ryone; Through the mountains divide, and the oceans are wide; It's a small world after all.

Apr 2nd, 2003, 09:22 PM	#10 (permalink)
TheBlackKnight MINI2 Senior Join Date: Feb 2003 Location: London, England Local Time: 11:02 AM Posts: 380 Offline	dietcokeplease - You're just down the road from me, I'm in Beckenham! Wonder how many other Kent MINIs there are on here! Anyway, look, here's a thought - try picking up a copy of MiniWorld / Mini Magazine from the newsagents and phone up a few of the insurance companies in there. That's what I'll be doing - I've a feeling all my mods are really going to hit me where it hurts... ..straight in the wallet! MINI Going.....Toyota Supra RZ-S Twin Turbo Coming....Standing Quarter, anyone....?

Apr 3rd, 2003, 09:43 PM	#11 (permalink)
Red7 MINI2 Newbie Join Date: Dec 2002 Local Time: 11:02 AM Posts: 39 Offline	I went for elephant.co.uk, I'm 22 with no no claims (been on company car scheme) + my girlfriend who has been driving for 4 months, £1400. My car has lots of extras so took out the mini shortfall insurance. £350 for 3 years which in the event of my car being a write off mini shortfall will cover the difference between what your insurance pays out (list price £14600 - depreciation) and your purchase price (£17000+). lets just hope I don't have to use it ;0) D DS/DS: MFSW, Auto Climate Ctrl, Chili Pack, 17" S-Spokes, 6 CD Changer, Tinted windows front/rear, white rear cluster lights. 1st March 03

Apr 4th, 2003, 02:38 AM	#12 (permalink)
AndySav MINI2 Regular Join Date: Mar 2003 Location: Grimsby Local Time: 10:02 AM Posts: 97 Offline	thanks for your help! i hope direct line dont up the premium for extras!i would be very annoyed!

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