Buyers Beware of Admiral Insurance!!!!!
I'm not sure if I was being over paranoid but before I got my car at the end of July I went to the website:
www.confused.com and they came back with a number of quotes (great site).
The best price was with Admiral Insurance by over £150.
So naturally I phoned them up and arranged to have the car insured by them. But they wanted to take all the factory fitted options down as modifications and increased the premium by £50 because the Chilli Pack 'made the car more desirable'. I expressed my frustration that anything fitted in the factory is considered a modification, but because it was still cheap by miles I continued with the cover application. The policy schedule arrived and they had put down modifications as being a spoiler(standard) and spot lights(not fitted) only fog lights. So I phoned them to get this changed and the woman on the other end of the phone then proceeded to tell me that in the event of an accident anything considered as a modification would be replaced only with Standard parts. I then proceeded to hit the roof and demanded that the policy was canceled. After a few phone calls it appeared that a significant number of major insurance companies view factory fitted options in the same way (so always double check verbally and in writing) or else you might find a car after an accident with the insurance company refusing to replace like for like!!!!!!!
In the end I went with Mini insurance - at least they promised to replace like for like in the event of an accident!!!!
It does make me wonder how many people with a car with factory fitted options are unaware of what they have really got covered!!