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| Finance & Insurance Use this forum to discuss financing and insuring your MINI |
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| Elephant were v cheap for me, unlike MINI who wanted £750 excess, £1500 a year. They didn't like my total lack of noclaims! 54 Plate All Black Cooper S with Chilli, BoostCD, MFSW, Heated bits.http://www.evoposters.net/carsb/album43 |
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| Stay well clear of Elephant!! They only cover you for a std no extras MINI, any thing I mean anything extra you add even if its factory fit will not be covered, you are only covered for the base model, stay away from them I tell you! Unless you just get a base model. Directline and Tesco have been the cheapest for me, but I'm looking at a £1700 premium come September for a JCW MCS. |
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| Direct line is the best quote i have had so far im 27 and collect my s on the 31 july (face lift model) cooper S chili pack with 20000miles a year £250 excess 3 points for speeding (picked them up when cooper was three days old) protected no claims and all the other gubbins £610 a year yes that is full comp nobody else can seam to get below £800 hope this helps fevs ![]() Global motivator |
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| Just make sure you are covered for the stuff you have on your car, a few insurers like Elephant and Admiral say yes to insuraning you and blah blah to you having chilli pack, but if you have an accident that writes off your vehicle or anything that means you lose you vehicle, thjey will only pay out the base price, even if you state your car is worth 19000 with factory options. So beware and make sure you are fully covered |
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| The cheapest quote I got was from Admiral. Quote was just over £700 and being only 23 I thought was pretty good (2 years NCD). Some quotes I got were as high as £3000. I found Admiral using www.confused.com. Its pretty standard to ask more for the Chili pack because it adds considerable value to the car - bigger alloys, A/C etc. |
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| Very true, I ditched admiral when I got my Cooper for that very reason, stupid small print, but 100% accurate. They (in the T&Cs) will only pay for the replacement of basic, standard parts. They will insure a car with extras, but wont pay out for them. They even charge extra for the extras they wont pay for!! |
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| Mini Insurance I have only just turned 20 and choose Mini's own insurance for the following reasons, it was the cheapest i could find at £1382 Fully comp i have only one years no claims and also three points for speeding. The Mini has many extras on it but all of them are covered within the quote. I even took out the Gap policy to make sure i could get all my money back if need be |
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