MCS Insurance in the UK

[duncanbanana]

Quote: Originally Posted by Ziggy

Same price for an automatic Cooper and a Cooper S! That surprises me as we're talking about a group 8 to a group 15 jump. I'd check he hasn't got it down as a standard Cooper - if he doesn't know about the MINI, he may not appreciate what a difference that one letter makes

I ve had a few online quotes which when you put in your regerstration comes up with an auto cooper , did it with mine and I have a Cooper S . Have to be careful I randg them up about on and they amended it and it came to almost double the price . I think ther must be a fault somewere cos someone else mentioned this before and you could be driving around with the wrong insurance cover , even though its not your fault but the insurance companies mistake

[RDMac]

I will be carefully checking the policy when it arrives! I'm also going to write to them to make sure they have covered the extras etc.

Cheers

[duncanbanana]

Just got a quote from Halifax for £480 , just bought it .It was the cheepest by far

[ButtonIt]

24 Years Old
2002 MCS EB/W Chilli pack
Guildford postcode
First insurance (goodbye company car!)
No points, no previous claims
Me as only driver.

MINI: £1700 (approx)
Elephant: £1480
Admiral: £1375

No one else wanted my business

(While I was calling Elephant a recorded announcement came on "You are being held in a queue, please wait for an Elephant Handler to become available" Ha ha, oh how that made me chuckle)

[RDMac]

Quote: Originally Posted by bobnobski

I'm with Tesco & have nearly identical vital stats like you. They came in at £290 - but they do specify the Chili pack on the MCS - so it might be worth giving them a shout!!.

Apart from bobnobski above, has anyone else had any dealing with Tesco. I've tried the online system but it just chucks me out at the end (gggrrrr )

If my NU policy is wrong and they can't get me a good price I think I'll be trying Tesco.

[jasonfields007]

HAHA! Seriously try www.screentrade.co.uk

[RDMac]

Quote: Originally Posted by ButtonIt

24 Years Old
2002 MCS EB/W Chilli pack
Guildford postcode
First insurance (goodbye company car!)
No points, no previous claims
Me as only driver.

MINI: £1700 (approx)
Elephant: £1480
Admiral: £1375

No one else wanted my business

(While I was calling Elephant a recorded announcement came on "You are being held in a queue, please wait for an Elephant Handler to become available" Ha ha, oh how that made me chuckle)

Blimey my business partner got his no claims benifit by supplying a letter from his previous employer to Direct Line confirming that he had had a company car for X years with no claims.

[RDMac]

Quote: Originally Posted by jasonfields007

HAHA! Seriously try www.screentrade.co.uk

Just tried about 5 times and the system just halts

[duncanbanana]

Quote: Originally Posted by jasonfields007

HAHA! Seriously try www.screentrade.co.uk

I found them expensive

[Grings]

28 years old

1 year NCD (company cars before and before you ask my company WOULD NOT supply evidence I had a blemish free record).

Kept on drive, insured for personal and business use.

£550 with Eagle Star (Zurich), but the missus works for them so I can to replicate her NCD (5 years) and get an extra 30% off as she's staff.

[johnlondonw3]

Anyone used this /is it worht it ?

[RDMac]

I got my policy papers and guess what ....... it says BMW MINI COOPER AUTO !!!

When I originally phoned I explained to the guy that it was a manual S and he went to talk to his supervisor and came back saying OK we will still honour the internet quote (which he had in front of him) but would change it to a Manual 'S'

Arrrrggggggggggggg......

I phoned tonight and told the woman the situation, she then quoted an extra £192 !! I explained that I had infromed them it was an S when I originally phoned and she said she would have to check the tapes and asked 'was I sure' !!!

The low down is that they will check the tapes ... if I said it was an Manual S then we could have it for £275, if not then it will go up £192 .... we will wait and see

In the meantine the policy has been changed to an S.

But a question for you all ......... twice now I have checked that I don't need to list the optional extras that have been fitted (Chilli, winter pack, leather, etc etc) and both times they have said that it does not need to be listed unless I have modified it myself.

I am a bit nervous about this as insuring a £14k MCS has got to de different to insuring a 20K MCS ? (I noticed Tesco listed the Chili pack in the policy)

Has anyone had experience of listing extras ?

[jimimac]

Greetings!

I have just ordered and MCS and it arrives in November - Hooray! When looking for insurance I had the following responses (25, 2yrs NCB, good post code):
Tesco: £1300
Direct Line: £1800
More than: £2500
Elephant: £750

So - elephant is the winner, but I am a bit worried - why are they almost half the price of everyone else?? I have called and triple checked that they have the correct details (car, age, address etc) and even joined Which? online to check them out - they rated them best on price.

The point of this ramble is, if anything does happen to my £18k car, I want to be very sure that I am covered!
Does anyone have any experience or opinion of elephant??

Thanks loads in advance!!

[supercoopers]

Jimimac,

From my experience, Elephant often quote for only a 10 month period for accelerated NCB and there is a big difference between this price and a full 12 month plan.

Oh yeah, also they load the premium to the hilt when you tell them you have the chilli pack and other extras because they classify each component as a separate mod! i.e. you have to list in the modifications section that you have added 'non standard' alloy wheels and so on for every extra on the car otherwise they will not cover you. Even worse, you end up paying for these damn mods and then in the case of a total loss claim, they will only pay out for a BASE MCS!! (this is what the sales advisor admitted after a few determined questions to get to the bottom of their ambiguity). Best thing is to talk to an 'Elephant Handler' and i'm sure once all the minor details are correct such as listing the 'mods' their quote will be in line, if not more then the quotes you have already received. Also give MINI insurance a ring because they were more competitive than Elephant for me, because like you i got a cheap quote, called them and then found the truth! They wanted 110 pounds more than MINI. MINI will also pay out for an equivalent car etc God forbid something should happen to it.

Cheers and good luck,

Henry

[Pobsey]

when I phoned elephant for a quote on a MCS with "mods" (Chilli, mfsw, boost + tints) the quote went from £988 to over £1600 and when I mentioned that it had tints it was like the 3rd degree!!! So im going with either mini or tescos when my S arrives mid dec.