6 replies to this topic

[taffy1967]

After almost 3 years of my Mini being laid up, I've finally fully insured it again.

Anyway I got a few quotes and was surprised that HIC couldn't do a decent deal for me, so I ended up going with Mini Magazine Insurance.

I hope I've done the right thing? So for £137.63 a year it's covered fully comprehensive on a limited mileage policy with agreed value, salvage rights, legal cover and all modifications declared.

The excess is £200.00 though (because it's a modified vehicle, it would have been half that price if it wasn't!).

And it's on a special classic policy so it will drop each year, but I'm not building up any NCD though. I don't mind because I've got full protected NCD on my main car.

So I'm happy with the price, even if there is no NCD. But that was the best quote I got and I'd have to pay at least twice the money otherwise.

So have I done the right thing?

[taffy1967]

Oh and I'm waiting for a call from their breakdown cover department and they've quoted £27.00 a year for breakdown cover including relay which is half the normal price.

Well it's essential to have some form of breakdown cover on any car, especially a 17 year old Mini. I don't know which break down company it's with, but is £27.00 reasonable?

[Natalie]

£27 sounds good How far will they take you?
Mine's £70 ish and I get home start and roadside assistance but will only take me 10 miles

[Amy]

Anyway I got a few quotes and was surprised that HIC couldn't do a decent deal for me, so I ended up going with Mini Magazine Insurance.

I hope I've done the right thing? So for £137.63 a year it's covered fully comprehensive on a limited mileage policy with agreed value, salvage rights, legal cover and all modifications declared.

That's what we pay (all in) for fully comp on Toad, including bonus protector, agreed value, plus Simon as a named driver etc. Basic price is only £108! That's with HIC....

I'm a little bit confused though, as I was told that Mini Magazine insurance is basically the same company as HIC, as is Adrian Flux, they are all sister companies with the same underwriters.... how they can't come up with the same quotes I'll never know!


Yay for getting the mini back on the road again

[dougie_10 :D]

Congratulations taffy!

Sounds like you've got a good deal there. Doesnt really make much difference to your no claims if you have it or not when your building on another car really .

Good price for breakdown cover too. Definately did the right thing.

[Big_Adam]

Nice one Taffy,

Also, break down cover. I got that. Call £20 worth of tools and some magic fluid (WD40).

[taffy1967]

Well the breakdown cover will get us and our Mini home regardless of where we are if it can't be repaired. But it doesn't include home start at that price though.

But it also covers Marie (my misses) as a named driver (with her 2004 motorway speeding conviction (in our Mini on the way back from Castle Combe) declared too) and the policy is with "Performance Direct", covered via "Equity Redstar".

I got a call from Performance Direct and a girl ran me through all the legal jargon and confirmed that everyone that I'd told Mini Mag Insurance was correct.

I have to say that she was rubbish on the phone and just rattled off all the legal stuff so fast that I would have forgotten everything I wanted to know, had I not already written it down first.

And I thought she was a bit rude too, because I kept asking her to repeat certain things due to the speed at which she was talking and at the end of the conversation she just hung up!

Anyway I've got either 2 weeks or 30 days to send the required photo's of my Mini back for the Agreed Value. She wasn't even sure of the exact time limit, but said it'd all be in the documents I'd be getting soon. But I have to send them back because otherwise our Mini will only be covered for the market value, which won't be a lot for a 17 year old car. I did ask for a £5,000 Agreed Value figure, but they want to see the photo's first before they'll actually agree to that.

So I'm going to have to pull my finger out and service our baby and then give it a good wash and polish, take those photo's and then arrange an MOT. I hope nobody (or the police) notices the lack of road tax whilst it's outside having a wash though.

I'll be checking the documents with a fine tooth-comb when they come back, but even though I mentioned all the modifications I could remember (i.e. performance LCB & exhaust system, adjustable suspension, bonnet stripes, chrome trim & ultimate engine steady). I forgot to mention that its riding on 165/60x12 profile (Falken) tyres.

Do you all think I need to tell them?

Oh and our Mini is limited to just 1500 miles a year too. But I doubt we'll go over that this year and I'll probably look at increasing it next time perhaps.

Edited by taffy1967, 25 June 2007 - 06:17 PM.