MINI2 Header Logo

MINI2

Fuel for your MINI obsession

Visit Lohen!
Welcome to MINI2.
You are currently viewing MINI2 as a guest.
Please register by clicking this link or login:
       
Search forums: Show: Advanced: Forums or Members or Tags
Reply
 
LinkBack Thread Tools Search this Thread Rate Thread
Old May 24th, 2004, 12:58 PM   #1
johnlondonw3
MINI2 Senior
 
Join Date: Sep 2003
Local Time: 03:53 AM
Posts: 711
Offline
United-Kingdom MCS Insurance

Anyone recommend insures ?
I've had quotes from £890 to £395 ,however the cheapest one (Sainsburys) then wanted to charge extra for Chilli pack.

Thanks
United Kingdom View johnlondonw3's Dark Silver & Black 1st Gen MINI Cooper S Profile   Reply With Quote
Alt Today
Sponsors

Sponsored Links


Registered members do not see Google Ads posts, they can also post messages, pictures, and classified adverts.
Register your free account today and become a member of MINI2 - MINI Forum
   
Old May 24th, 2004, 01:02 PM   #2 (permalink)
brassd
MINI2 Regular
 
brassd's Avatar
 
Join Date: Jun 2003
Location: Staffs
Local Time: 02:53 AM
Posts: 141
Offline
Have you tried Tesco? I had a quote for £550.

Regards,

Dave
United Kingdom View brassd's Hyper Blue & White 1st Gen MINI Cooper S Profile   Reply With Quote
Old May 24th, 2004, 01:18 PM   #3 (permalink)
paultrfc
TRFC cooper s
 
paultrfc's Avatar
 
Join Date: Oct 2003
Location: wirral
Local Time: 03:53 AM
Posts: 54
Offline
Send a message via MSN to paultrfc
England

e sure were competitive...

All cars are equal, some are more equal than others......
View paultrfc's Dark Silver & Black 1st Gen MINI Cooper S Profile   Reply With Quote
Old May 24th, 2004, 01:44 PM   #4 (permalink)
Paul
MINI2 Privilege Member Has met Quack Quack Jack
Trained Monkey
 
Paul's Avatar
 
Join Date: Jan 2001
Location: Bedfordshire
Local Time: 03:53 AM
Posts: 46,127
Offline
Moved to the FINANCE AND INSURANCE forum, lots on this subject in here already too.

England Visit my Blog at the Motorcade Male   Reply With Quote
Old May 24th, 2004, 01:50 PM   #5 (permalink)
MukiMunki
MINI2 Regular
 
Join Date: May 2004
Local Time: 03:53 AM
Posts: 337
Offline
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
United Kingdom   Reply With Quote
Old May 24th, 2004, 02:19 PM   #6 (permalink)
joebickley
Its not small its Mini
 
joebickley's Avatar
 
Join Date: Apr 2004
Location: Warwick
Local Time: 03:53 AM
Posts: 164
Offline
Tesco had down a MCS and MCS with chill as two seperate model choices. I can see why though cos its almost a whole new trim level with the chilli on.

Im 23 was quoted £830 by egg with full no claims. Will look around a bit more when i get it in september. Think sainsburys wont touch u if u have a 3 points on ur licence.
United Kingdom   Reply With Quote
Old May 24th, 2004, 10:05 PM   #7 (permalink)
Ibb
MINI2 Master BLASTER!!!!!
 
Ibb's Avatar
 
Join Date: Jan 2002
Location: Bristol
Local Time: 03:53 AM
Posts: 1,707
Offline
Send a message via ICQ to Ibb Send a message via MSN to Ibb
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.
United Kingdom Male View Ibb's Solid Black & Body Color 1st Gen MINI Cooper S Profile   Reply With Quote
Old May 25th, 2004, 02:02 PM   #8 (permalink)
Fevs
MINI2 Privilege Member Has met Quack Quack Jack
heading north !!!!
 
Fevs's Avatar
 
Join Date: Aug 2003
Location: on the move
Local Time: 03:53 AM
Posts: 8,783
Offline
Send a message via AIM to Fevs Send a message via MSN to Fevs
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
England Female   Reply With Quote
Old Jun 2nd, 2004, 05:16 PM   #9 (permalink)
johnlondonw3
MINI2 Senior
 
Join Date: Sep 2003
Local Time: 03:53 AM
Posts: 711
Offline
just rang e sure they dont bother about chilli pack and quoted me £445 ,Im in west london,Sainsburrys wanted £465 for slightly less attractive cover,
United Kingdom View johnlondonw3's Dark Silver & Black 1st Gen MINI Cooper S Profile   Reply With Quote
Old Jun 2nd, 2004, 06:03 PM   #10 (permalink)
Ibb
MINI2 Master BLASTER!!!!!
 
Ibb's Avatar
 
Join Date: Jan 2002
Location: Bristol
Local Time: 03:53 AM
Posts: 1,707
Offline
Send a message via ICQ to Ibb Send a message via MSN to Ibb
Quote: Originally Posted by johnlondonw3
just rang e sure they dont bother about chilli pack and quoted me £445 ,Im in west london,Sainsburrys wanted £465 for slightly less attractive cover,

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
United Kingdom Male View Ibb's Solid Black & Body Color 1st Gen MINI Cooper S Profile   Reply With Quote
Old Jun 2nd, 2004, 09:50 PM   #11 (permalink)
dhm
MINI2 Newbie
 
dhm's Avatar
 
Join Date: May 2004
Local Time: 03:53 AM
Posts: 17
Offline
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.
Scotland   Reply With Quote
Old Jun 2nd, 2004, 10:20 PM   #12 (permalink)
Ibb
MINI2 Master BLASTER!!!!!
 
Ibb's Avatar
 
Join Date: Jan 2002
Location: Bristol
Local Time: 03:53 AM
Posts: 1,707
Offline
Send a message via ICQ to Ibb Send a message via MSN to Ibb
Dhm like I've said in my other posts stay away from Elephant and Admiral, unless you haven't added any options to you car, come accident time these companies will only pay out for a bog standard model, so not the best for your money. READ THE SMALL PRINT
United Kingdom Male View Ibb's Solid Black & Body Color 1st Gen MINI Cooper S Profile   Reply With Quote
Old Jun 3rd, 2004, 09:02 AM   #13 (permalink)
Paul
MINI2 Privilege Member Has met Quack Quack Jack
Trained Monkey
 
Paul's Avatar
 
Join Date: Jan 2001
Location: Bedfordshire
Local Time: 03:53 AM
Posts: 46,127
Offline
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!!
England Visit my Blog at the Motorcade Male   Reply With Quote
Old Jun 3rd, 2004, 10:03 AM   #14 (permalink)
CooperPini
MINI2 Newbie
 
Join Date: May 2004
Location: I'm a Surrey Boy
Local Time: 03:53 AM
Posts: 8
Offline
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
United Kingdom View CooperPini's Cosmos Black & Body Color 1st Gen MINI Cooper Profile   Reply With Quote
Old Jun 4th, 2004, 02:39 AM   #15 (permalink)
Ibb
MINI2 Master BLASTER!!!!!
 
Ibb's Avatar
 
Join Date: Jan 2002
Location: Bristol
Local Time: 03:53 AM
Posts: 1,707
Offline
Send a message via ICQ to Ibb Send a message via MSN to Ibb
Quote: Originally Posted by CooperPini
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


Have you tried Tesco or Direct Line? They were the cheapest for me on an MCS
United Kingdom Male View Ibb's Solid Black & Body Color 1st Gen MINI Cooper S Profile   Reply With Quote
Old Jun 10th, 2004, 09:04 AM   #16 (permalink)
johnlondonw3
MINI2 Senior
 
Join Date: Sep 2003
Local Time: 03:53 AM
Posts: 711
Offline
I eventually went for e Sure as they didnt charge more for the Chilli pack and I told them I had colour coded the black plastic trim and they didnt charge for that Paid £445 fully comp,for use at work with a west London address
United Kingdom View johnlondonw3's Dark Silver & Black 1st Gen MINI Cooper S Profile   Reply With Quote
Old Jun 10th, 2004, 12:10 PM   #17 (permalink)
Ibb
MINI2 Master BLASTER!!!!!
 
Ibb's Avatar
 
Join Date: Jan 2002
Location: Bristol
Local Time: 03:53 AM
Posts: 1,707
Offline
Send a message via ICQ to Ibb Send a message via MSN to Ibb
Thats a very reasonable price, I just hop they will cover your MCS to its proper value and not its basic value.

How old are you?(if you don't mind me asking) And how many NCBs? Just asking as loadsa peeps just say how much they're paying, but its hard to make comparisons without know the nitty griity

Cheers
United Kingdom Male View Ibb's Solid Black & Body Color 1st Gen MINI Cooper S Profile   Reply With Quote
Alt Today
Sponsors

Sponsored Links


Registered members do not see Google Ads posts, they can also post messages, pictures, and classified adverts.
Register your free account today and become a member of MINI2 - MINI Forum
   
Reply



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

Similar Threads
Thread Thread Starter Forum Replies Last Post
What is the insurance on a MCS like? gangst Finance & Insurance 11 Oct 19th, 2006 01:09 PM
Help on insurance, MCS! minixixi Finance & Insurance 6 Dec 10th, 2004 06:23 PM
MCS Help with Insurance £££££ SteveStella Finance & Insurance 19 Feb 28th, 2004 01:45 PM
MCS Insurance RedUn Finance & Insurance 16 Jul 2nd, 2003 12:05 PM
MCS insurance $ vs 350z insurance $ (US) Bk MCS Finance & Insurance 7 Mar 14th, 2003 09:06 AM