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Discussion Starter #1
Insurance time again, Mini insurance wants me to pay out close to £1200 so am looking around.

Others seem to have used Swiftcover, but I'm not sure if my 04 MCS Works could be insured by them as they dont insure modified cars:


NOT COVERED
If your car has any of the modifications below, you need a specialist quote.
  • Performance enhancement (e.g chipped engine)
Anyone else using Swiftcover to insure a MCS Works?

Thanks.
 

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Rocking the F57
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Yes a Works is a modified vehicle... as its a performance packaged added on to the manufacturers standard specification.

Even if it was a factory fitted works kit, it will certainly need to be declared ;)
 

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Factory JCW
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658 Posts
Ive been with swiftcover for 1 year now, there the cheapest i could find on my Cooper S, i have chilli pack and extras but when i asked they just said thats fine , there not mods, thats how it left the factory.
Have just had the renewal through again , for the end of this month and again the cheapest i can find..
Dont think they cover fully modified cars though.
 

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My Works is insured via a Broker with AXA. I think Swiftcover is part of the AXA group?

Mine is declared as a Works and it is a couple of groups higher. Even insurance companies seem to get confused about what is and isn't modified. You just have to explain that it is an approved BMW modification/addition covered by the warranty, rather than you having it chipped or whatever. Most in my experience go away and check and say ok.
 

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Discussion Starter #6
Thanks for the replies. I've gone with Greenlight, best quote and I felt they knew what sort of car the MCS Works is, and I should be able to add any other mods easily enough to my cover :D
 

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XR3i / JCW MCS
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543 Posts
Yes a Works is a modified vehicle... as its a performance packaged added on to the manufacturers standard specification.

Even if it was a factory fitted works kit, it will certainly need to be declared ;)
depends on the insurer, mine consider factory options are not modifications, you're dead on about declaring everything though :D
 

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mmm...I went with A-Plan and they take the dealer fit JCW Aero Kit as not being a modification as it was fitted at time of being first registered and the cost is declared as part of the total value of the car.

Swift cover treated it the same :)

So worth getting parts on when you first get a car registered....
 

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I'm back!
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344 Posts
Has anyone got any experience of a claim with Swiftcover? I need to sort out insurance (an un-modded MCSc Sidewalk) and Swiftcover seems cheap, but wondered what they're like if you need to use them - around the time we were insuring last year, there was some bad press if I recall so thought I'd ask here first.

Thanks
 

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Has anyone got any experience of a claim with Swiftcover? I need to sort out insurance (an un-modded MCSc Sidewalk) and Swiftcover seems cheap, but wondered what they're like if you need to use them - around the time we were insuring last year, there was some bad press if I recall so thought I'd ask here first.

Thanks
I'm insured with AXA through a broker and Swiftcover are part of the AXA group but I'm not sure how much difference that makes, if any?

I put a claim in recently with AXA which came for £2,200.00 basically needed a new bonnet. They unusally asked if I wanted to use their approved repairer or one of my choice, so I said I wanted to use the Approved BMW body shop, no problem.

BMW sent them the estimate and they approved it 2 days later, without looking at the car.

I still get a courtesy car through BMW, so all I have to do is pay my excess, so can't knock AXA really.
 

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Registered
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Has anyone got any experience of a claim with Swiftcover? I need to sort out insurance (an un-modded MCSc Sidewalk) and Swiftcover seems cheap, but wondered what they're like if you need to use them - around the time we were insuring last year, there was some bad press if I recall so thought I'd ask here first.

Thanks
Swift is the online arm of AXA.
AXA is one of the biggest insurance companies going...

...go figure
 

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Premium Member
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Mines a JCW hatch, chili and media and its not classed as modified as its a model in its own right, not an S with a JCW kit fitted
Mines insured through MINI insurance, no problems, expensive yes.

I guess some insurance companies think all JCWs are an S and then modified to make it go faster which the original Works kits were.
 

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mini insurance charges are a joke and there cover is not that good . I insured my JCW with them and then canx within the 7 day cooling off period. Used another company got better cover for half the price .
 
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