MINI2

StevieJep · Nov 3rd, 2003, 10:53 AM

31, 5 yrs NCD, fully protected, garaged in 'normal' postcode.
£631 with MINI insurance - actually made cheaper to have my girlfriend on with me!

Julz · Nov 3rd, 2003, 12:05 PM

23 years old, 6yrs NCB, parked in residents car park, BBR220 conversion, uprated cam, custom exhaust, Zeemax body kit, lowered, big wheels, etc. etc. - £890!!

Intrepid · Nov 3rd, 2003, 12:08 PM

Quote: Originally Posted by DKUKMINI

Has anyone tried to get a quote to add the JCW kit to an MCS? According to EVO I'm looking at Group 19 for my efforts! The kit's expensive enough without a monster premium - can anyone give me an idea?

I've got my JCW MCS coming in January - I was only going to get one if I could afford the insurance i.e. if it was under £1,000. First 5 or 6 quotes were all over £1500 (thoughts and dreams of having my mini works were fading..) until I got one from Mini Cover for £719!!!!!! wiping nearly half off all previous quotes. I am 28, girl, east london postcode, kept in driveway, no points/convictions, and 6 years no claims, boyfriend on insurance (not that he'll be driving it ever!!!).

If you've got a lot of things in your favour (i.e. no claims discount, no convictions) then you can get a decent quote. Other decent-ish quote I got was from Its4me.co.uk - specialising in young people with performance/sports cars.

Good Luck!!!

DKUKMINI · Nov 3rd, 2003, 08:51 PM

Thanks for all the posts guys.

Julz, who did you go with? Just wanted to know so I can do the maximum shopping around!

PS. Has anyone got anything bad to say about their Works?

Julz · Nov 4th, 2003, 07:21 AM

Quote: Originally Posted by DKUKMINI

Julz, who did you go with? Just wanted to know so I can do the maximum shopping around!

I'm with Adrian Flux, they were the only company who would cover me with such a large % increase in bhp because I'm still classified as being a 'young person'

WarGod · Nov 4th, 2003, 08:08 AM

One thing i would suggest is having a look at this thread :MINI2 Forums > MINI2 > GENERAL DISCUSSION > ELEPHANT.co.uk insurance warning

Basically - there are brokers/underwriters who will in the event of an accident will only re-supply you with a base model replacement - i.e no chilli pack, etc, etc.. - make sure you are covered, read the policy and if you have any queries at all call your broker. If you want to cancell, and if your broker is a member of the GISC - you have a right to cancell (it's called a cooling off period) without charge (i think).

indimc · Nov 6th, 2003, 10:48 PM

Try www.confused.com - enter your details once and the system will search the leading insurers. You will have to contact the cheapest companies individually to declare modifications because apparently that's what the Chilli pack is but for a 23yr old with 1 years NCD and 3 pts my insurance on a Cooper was £650 (incl business use).

MINIALEX · Nov 6th, 2003, 11:33 PM

Okay - this has got to win a prize or something,

I just got a very reasonable quote from Screen Trade - im 21 - 0 NCD, 1 accident and no points - how much I hear you say,

£35772.26!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!!

Even more worrying as my S arrives in 2 weeks- thanks god fo MINI Ins

Old School Jonnie · Nov 7th, 2003, 10:53 AM

Anyone tried Direct Line?
36, full no claims, protected, tints, spots, chilli Pack - £507 fully comp!!!! S' Works would be an extra £98.
Not found anyone who can beat this.

Intrepid · Nov 7th, 2003, 12:49 PM

Quote: Originally Posted by Old School Jonnie

Anyone tried Direct Line?
36, full no claims, protected, tints, spots, chilli Pack - £507 fully comp!!!! S' Works would be an extra £98.
Not found anyone who can beat this.

Just tried them - I'm 28, full no claims, no convictions etc - best they could do for a cooper s works was £1072.05.

Old School Jonnie · Nov 7th, 2003, 03:04 PM

Sound like the age difference is the key factor here. How does that compare to other quotes?
My premium actually dropped this year, maybe a postcode lottery kinda thing going on?
Have you tried Liverpool Victoria?

WarGod · Nov 7th, 2003, 03:09 PM

Try www.morethan.com they are not too bad, dunno if they'll cover chilli packs etc.. though.

B4d4Bing · Nov 7th, 2003, 08:30 PM

hi there

well after reading all these i rekon i have a great quote

i am 23 a doctor 4 years NCD mini cooper s garaged in glasgow with adrian flux..full car including the chilli pack insure fully comp for £695

not too shabby

plus they said the hartge upgrade wouldn't cost me anymore!! He he he!!

zzzzzzzzzoooooooooommmmmmmmmmmmmmm!!!!

Shaun · Nov 8th, 2003, 12:11 PM

Quote: Originally Posted by B4d4Bing

hi there

well after reading all these i rekon i have a great quote

i am 23 a doctor 4 years NCD mini cooper s garaged in glasgow with adrian flux..full car including the chilli pack insure fully comp for £695

not too shabby

plus they said the hartge upgrade wouldn't cost me anymore!! He he he!!

zzzzzzzzzoooooooooommmmmmmmmmmmmmm!!!!

Have they loaded the excess? when I phone a few years ago the qoute was good but the excess was at least double that of most companys.
I also tried Herts they advertise in a lot of specialist mags Mini/volks world etc they put the phone down on me cant help you guv. should be getting my qoute in about a month saving hard till then.

B4d4Bing · Nov 8th, 2003, 12:17 PM

no the excess was £300 not bad not like i would loose my no claims over anything less than £300 any way!

mark

Shaun · Dec 9th, 2003, 09:09 PM

Just god the dreaded qoute £867 Direct Line wich I thought was ok Protected no claims and all that untill.
I rang to add my 3 points for breaking the sound barrier in derbyshire on the peaks run this year.
Thats £92 pound extra I called him a theiving ******* he said yeah it sucks I have 6 points (sorry that man) any way some enquiries later I am down to £798 E-Suremore searching to be done yet worst qoute £2365 allthough that was from a list of about 15 qoutes the best was £1024

JamieB · Dec 10th, 2003, 06:08 PM

25, no NCB, No points or convictions, Trainee Solicitor. Insured with AXA...... £1,064 and they recognise Chilli Pack and other extras and have assured me in the unfortunate event of anything happening they will replace to the spec of previous car. In otherwords if I damage one of my 17" wheels they will replace it with same. Excess not too bad... £225.

All in all very impressed with service and as a bonus they sponser the FA Cup!

jasonfields007 · Dec 10th, 2003, 06:15 PM

thats pretty good concidering you have no NCB. were you driving company cars before?

JamieB · Dec 10th, 2003, 06:21 PM

No Jasonfields007. I have been a named driver since I went to Uni. Before that I had 2 years NCB but after three years insurance companies will not recognise it.
I was disappointed with Direct Line. They would not quote me because I didn't have 2 years NCB or more. I would take issue with this as they do not advertise this requirement!

jasonfields007 · Dec 10th, 2003, 06:25 PM

i see... direct line wouldn't insure me on my cooper as i'm a new driver. min age 19 and 1 years driving with full UK licence! mini insurance will and they use UKI which are the same underwriters as direct line. direct line do tend to play it safe though!

J

Nov 3rd, 2003, 12:05 PM	#42 (permalink)
Julz still short!! Join Date: Feb 2003 Location: Disney Land Local Time: 12:42 AM Posts: 603 Offline	23 years old, 6yrs NCB, parked in residents car park, BBR220 conversion, uprated cam, custom exhaust, Zeemax body kit, lowered, big wheels, etc. etc. - £890!! newminiscotland

Nov 3rd, 2003, 12:08 PM	#43 (permalink)
Intrepid Gutter Princess Join Date: Aug 2003 Location: Planet Hoff Local Time: 12:42 AM Posts: 3,484 Offline	Quote: Originally Posted by DKUKMINI Has anyone tried to get a quote to add the JCW kit to an MCS? According to EVO I'm looking at Group 19 for my efforts! The kit's expensive enough without a monster premium - can anyone give me an idea? I've got my JCW MCS coming in January - I was only going to get one if I could afford the insurance i.e. if it was under £1,000. First 5 or 6 quotes were all over £1500 (thoughts and dreams of having my mini works were fading..) until I got one from Mini Cover for £719!!!!!! wiping nearly half off all previous quotes. I am 28, girl, east london postcode, kept in driveway, no points/convictions, and 6 years no claims, boyfriend on insurance (not that he'll be driving it ever!!!). If you've got a lot of things in your favour (i.e. no claims discount, no convictions) then you can get a decent quote. Other decent-ish quote I got was from Its4me.co.uk - specialising in young people with performance/sports cars. Good Luck!!! http://www.mini2.com/gallery/personal/11588/54205.jpg

Nov 4th, 2003, 07:21 AM	#45 (permalink)
Julz still short!! Join Date: Feb 2003 Location: Disney Land Local Time: 12:42 AM Posts: 603 Offline	Quote: Originally Posted by DKUKMINI Julz, who did you go with? Just wanted to know so I can do the maximum shopping around! I'm with Adrian Flux, they were the only company who would cover me with such a large % increase in bhp because I'm still classified as being a 'young person' newminiscotland

Nov 4th, 2003, 08:08 AM	#46 (permalink)
WarGod MINI2 Regular Join Date: Sep 2003 Location: Bristol - England Local Time: 01:42 AM Posts: 193 Offline	One thing i would suggest is having a look at this thread :MINI2 Forums > MINI2 > GENERAL DISCUSSION > ELEPHANT.co.uk insurance warning Basically - there are brokers/underwriters who will in the event of an accident will only re-supply you with a base model replacement - i.e no chilli pack, etc, etc.. - make sure you are covered, read the policy and if you have any queries at all call your broker. If you want to cancell, and if your broker is a member of the GISC - you have a right to cancell (it's called a cooling off period) without charge (i think). You're only supposed to blow the bloody doors off !!

Nov 6th, 2003, 11:33 PM	#48 (permalink)
MINIALEX MINI2 Master Join Date: Feb 2002 Location: LEICESTERSHIRE Local Time: 01:42 AM Posts: 1,104 Offline	Okay - this has got to win a prize or something, I just got a very reasonable quote from Screen Trade - im 21 - 0 NCD, 1 accident and no points - how much I hear you say, £35772.26!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!!!!!!! Even more worrying as my S arrives in 2 weeks- thanks god fo MINI Ins Cometh the Hour, Cometh the MINI

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Nov 3rd, 2003, 10:53 AM	#41
StevieJep Reluctant Seller Join Date: Aug 2003 Location: Chesterfield Local Time: 12:42 AM Posts: 30 Offline	31, 5 yrs NCD, fully protected, garaged in 'normal' postcode. £631 with MINI insurance - actually made cheaper to have my girlfriend on with me!

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Nov 3rd, 2003, 08:51 PM	#44 (permalink)
DKUKMINI MINI2 Newbie Join Date: Aug 2003 Location: Capital of Culture Local Time: 01:42 AM Posts: 32 Offline	Thanks for all the posts guys. Julz, who did you go with? Just wanted to know so I can do the maximum shopping around! PS. Has anyone got anything bad to say about their Works?

Nov 6th, 2003, 10:48 PM	#47 (permalink)
indimc MINI2 Newbie Join Date: Oct 2003 Location: Cheshire Local Time: 12:42 AM Posts: 16 Offline	Try www.confused.com - enter your details once and the system will search the leading insurers. You will have to contact the cheapest companies individually to declare modifications because apparently that's what the Chilli pack is but for a 23yr old with 1 years NCD and 3 pts my insurance on a Cooper was £650 (incl business use).

Nov 7th, 2003, 10:53 AM	#49 (permalink)
Old School Jonnie MINI2 Senior Join Date: Sep 2002 Location: holmfirth. Huddersfi Local Time: 01:42 AM Posts: 381 Offline	Anyone tried Direct Line? 36, full no claims, protected, tints, spots, chilli Pack - £507 fully comp!!!! S' Works would be an extra £98. Not found anyone who can beat this. Hyper Blue/Black Cooper. Side skirts/Aero grill, Milltek, chrome bitz and a scary roof graphic. A SKATEBOARD IS FOR LIFE NOT JUST FOR CHRISTMAS

Nov 7th, 2003, 12:49 PM	#50 (permalink)
Intrepid Gutter Princess Join Date: Aug 2003 Location: Planet Hoff Local Time: 12:42 AM Posts: 3,484 Offline	Quote: Originally Posted by Old School Jonnie Anyone tried Direct Line? 36, full no claims, protected, tints, spots, chilli Pack - £507 fully comp!!!! S' Works would be an extra £98. Not found anyone who can beat this. Just tried them - I'm 28, full no claims, no convictions etc - best they could do for a cooper s works was £1072.05. http://www.mini2.com/gallery/personal/11588/54205.jpg

Nov 7th, 2003, 03:04 PM	#51 (permalink)
Old School Jonnie MINI2 Senior Join Date: Sep 2002 Location: holmfirth. Huddersfi Local Time: 01:42 AM Posts: 381 Offline	Sound like the age difference is the key factor here. How does that compare to other quotes? My premium actually dropped this year, maybe a postcode lottery kinda thing going on? Have you tried Liverpool Victoria? Hyper Blue/Black Cooper. Side skirts/Aero grill, Milltek, chrome bitz and a scary roof graphic. A SKATEBOARD IS FOR LIFE NOT JUST FOR CHRISTMAS

Nov 7th, 2003, 03:09 PM	#52 (permalink)
WarGod MINI2 Regular Join Date: Sep 2003 Location: Bristol - England Local Time: 01:42 AM Posts: 193 Offline	Try www.morethan.com they are not too bad, dunno if they'll cover chilli packs etc.. though. You're only supposed to blow the bloody doors off !!

Nov 7th, 2003, 08:30 PM	#53 (permalink)
B4d4Bing MINI2 Resident Doctor!! Join Date: Jul 2002 Location: Glasgow Local Time: 12:42 AM Posts: 633 Offline	hi there well after reading all these i rekon i have a great quote i am 23 a doctor 4 years NCD mini cooper s garaged in glasgow with adrian flux..full car including the chilli pack insure fully comp for £695 not too shabby plus they said the hartge upgrade wouldn't cost me anymore!! He he he!! zzzzzzzzzoooooooooommmmmmmmmmmmmmm!!!! MY MINI WAS A: 03 Chilli Red White Cooper S I'VE HAD IN BETWEEN: BMW Z4 2.5 V6, Golf GTi 2.0T DSG AND I'M BACK TO: 04 Dark Silver Mini cooper S

Nov 8th, 2003, 12:11 PM	#54 (permalink)
Shaun Mr Big Stuff Join Date: Apr 2002 Location: Oldham Local Time: 01:42 AM Posts: 3,115 Offline	Quote: Originally Posted by B4d4Bing hi there well after reading all these i rekon i have a great quote i am 23 a doctor 4 years NCD mini cooper s garaged in glasgow with adrian flux..full car including the chilli pack insure fully comp for £695 not too shabby plus they said the hartge upgrade wouldn't cost me anymore!! He he he!! zzzzzzzzzoooooooooommmmmmmmmmmmmmm!!!! Have they loaded the excess? when I phone a few years ago the qoute was good but the excess was at least double that of most companys. I also tried Herts they advertise in a lot of specialist mags Mini/volks world etc they put the phone down on me cant help you guv. should be getting my qoute in about a month saving hard till then. http://www.flickr.com/photos/shaun-g/

Nov 8th, 2003, 12:17 PM	#55 (permalink)
B4d4Bing MINI2 Resident Doctor!! Join Date: Jul 2002 Location: Glasgow Local Time: 12:42 AM Posts: 633 Offline	no the excess was £300 not bad not like i would loose my no claims over anything less than £300 any way! mark MY MINI WAS A: 03 Chilli Red White Cooper S I'VE HAD IN BETWEEN: BMW Z4 2.5 V6, Golf GTi 2.0T DSG AND I'M BACK TO: 04 Dark Silver Mini cooper S

Dec 9th, 2003, 09:09 PM	#56 (permalink)
Shaun Mr Big Stuff Join Date: Apr 2002 Location: Oldham Local Time: 01:42 AM Posts: 3,115 Offline	Just god the dreaded qoute £867 Direct Line wich I thought was ok Protected no claims and all that untill. I rang to add my 3 points for breaking the sound barrier in derbyshire on the peaks run this year. Thats £92 pound extra I called him a theiving ******* he said yeah it sucks I have 6 points (sorry that man) any way some enquiries later I am down to £798 E-Suremore searching to be done yet worst qoute £2365 allthough that was from a list of about 15 qoutes the best was £1024

Dec 10th, 2003, 06:08 PM	#57 (permalink)
JamieB Tiger fanatic Join Date: Nov 2003 Location: Andover, Hampshire Local Time: 12:42 AM Posts: 9 Offline	25, no NCB, No points or convictions, Trainee Solicitor. Insured with AXA...... £1,064 and they recognise Chilli Pack and other extras and have assured me in the unfortunate event of anything happening they will replace to the spec of previous car. In otherwords if I damage one of my 17" wheels they will replace it with same. Excess not too bad... £225. All in all very impressed with service and as a bonus they sponser the FA Cup!

Dec 10th, 2003, 06:15 PM	#58 (permalink)
jasonfields007 MINI2 Master My Classifieds Join Date: May 2003 Location: Radlett. Herts Local Time: 12:42 AM Posts: 2,054 Offline	thats pretty good concidering you have no NCB. were you driving company cars before? '06' Cooper S Convertible - Astro Black, '04' Mazda RX8 231 - Black

Dec 10th, 2003, 06:21 PM	#59 (permalink)
JamieB Tiger fanatic Join Date: Nov 2003 Location: Andover, Hampshire Local Time: 12:42 AM Posts: 9 Offline	No Jasonfields007. I have been a named driver since I went to Uni. Before that I had 2 years NCB but after three years insurance companies will not recognise it. I was disappointed with Direct Line. They would not quote me because I didn't have 2 years NCB or more. I would take issue with this as they do not advertise this requirement!

Dec 10th, 2003, 06:25 PM	#60 (permalink)
jasonfields007 MINI2 Master My Classifieds Join Date: May 2003 Location: Radlett. Herts Local Time: 12:42 AM Posts: 2,054 Offline	i see... direct line wouldn't insure me on my cooper as i'm a new driver. min age 19 and 1 years driving with full UK licence! mini insurance will and they use UKI which are the same underwriters as direct line. direct line do tend to play it safe though! J '06' Cooper S Convertible - Astro Black, '04' Mazda RX8 231 - Black

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