M&S insurance refused cover - MINI Cooper Forum

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post #1 of 5 (permalink) Old Nov 15th, 2014, 04:28 PM Thread Starter
Convertible -here at last
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M&S insurance refused cover

A word to the wise if you insure with Marks & Spencer. We are changing the Convertible (insured with M&S) for a 5- door. M&S asked if it was a Chilli. Yes. "Oh that is not on our database so we will not insure you." So they are cancelling the cover and leaving me to find a new insurer.
A bit of digging and it seems that while the phase 2 3-door differentiated between a Chilli and a basic, the phase 3 (3 and 5 door) has no differentiation so Chilli does not appear.
Pity M&S didn't know.

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post #2 of 5 (permalink) Old Nov 16th, 2014, 08:33 AM
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So much for "YOUR M&S" Mini insurance, more like UP YOURS M&S.

Chilli pack is just a few more factory fitted options thats all, its still the same basic car, crackers really.

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post #3 of 5 (permalink) Old Nov 17th, 2014, 05:01 AM
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That's the problem with these supermarket insurers, they are just other insurance products, white labeled for them. If it had been a traditional insurer they would have referred this to an underwriter to get you a price. If it doesn't fall into the bands that the pseudo insurer has available it's a "Computer says no" moment.
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post #4 of 5 (permalink) Old Dec 19th, 2016, 10:50 PM
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Talk to adrian flux. Yes actually talk!! They don't do 'on-line'. Great staff who know exactly what they are talking about with Minis. Just got my cover from them for my new to me Cooper S. My second car so starting with zero NCD.

I'm 66 so tried Saga. On my first car (which I'm keeping) I have 9 years NCD protected 75% discount. Live in village in rural Sussex. Car parked in private car park shared with other peeps. Hardly Billy the Boy Racer!

Their on-line quote system spat me out - sorry no quote. No reason given. I didn't bother to ring them. Toss-bags.
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post #5 of 5 (permalink) Old Dec 19th, 2016, 10:57 PM
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I would have told M&S its a Chilli when the roof is down
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