MCS Insurance in the UK

[WarGod]

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]

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]

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]

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]

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]

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]

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

[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!!!!

[Shaun]

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]

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

mark

[Shaun]

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]

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]

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

[JamieB]

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]

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