Am with DirectLine myself ... don't have a Works (would have loved one but couldn't justify the extra expenditure) but I know DirectLine have a 'Cooper S Works' selection on the website - wouldn't that cover it? In which case you wouldnt have to declare anything extra as it'd be covered by that. Am I wrong?
Yeah know what you mean have seen the ' Cooper S Works' selection, but would like to know what i have to tell them, if I were to take an online quote, like any other car would I be paid out for for a standard S Works or all the extras ive got on it factory specced?
Could they turn around and say your not covered for these in the event of an accident/claim, or would they say I should have told them??? but charged me extra
Its very unclear without phoning up and asking, and then it depends who you speak to.
I.E If I went and bought a bog standard Mini One with no extras and I also bought a mini One with every concievable extra would a premium be higher?? (I dont see why it should be) or would they take one look at the car and pay for all the extras that are factory fitted etc, where do they draw the line metalic paint??