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Discussion Starter #1
I've just renewed my insurance with Swinton insurance and when choosing the model type there seems to be a bit of an anomaly. I own a '12 plate Cooper S. And quite rightly it auto detects it as S (184). But there is also on the list an option for S Chili. But there isn't an option for an S (184) with chili pack. This happens on all the price comparison sites as well.

So what I would like to clarify if anyone can help is, does anyone know what the correct option to choose when choosing the model type/trim options for a '12 plate cooper s with chili pack?
 

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Discussion Starter #3
Probably best to ring them up and try to talk to a person rather than a computer?
I did and they swapped me to the S Chili trim option, but I don't think it's right. I did another sample separate quote and it drops the insurance price by £1 by changing to the S Chili option.

My thoughts are the S Chili option category is from the R53 and R56 versions. And they haven't quite updated to include a S (184) Chili option.

I was just trying to glean what others have done.
 

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As long as youve made it clear to them what you have, year, model, pack options etc you should be fully covered. Get them to write it on the quote or whatever they send you.
I just dropped them a mail for mine JCW, media, chilli etc and they came back and said ok we know what that is, it wasnt listed on any list as such so you can pick it off though.
 

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I'm not sure it's the £1 quote difference that matters.

If they have it as 'A' and you have have a problem (claim!!) they could say ah well it's a 'B' so you told us the wrong spec and given they will try and wriggle out of paying out if they possibly can, it is probaly important to get it right.

I've just insured my new to me MCS R53 through broker Adrian Flux. Second car, starting with zero NCD. Good price, incredibly knowledgeable petrol head staff, spoke to two to get it fixed, and they placed it with underwriter who doesn't mind or charge for the mild mods I would like to make.

I've seen posts on here from people having their insurance company refusing to carry on covering them if they change the run flats to nons. First the Flux folk actually knew what a runflat was (believe me a lot of the quoters don't) and second they didn't blink about that change. Very pleased.
 
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NigelK
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