Mini fail

Eliot · 30 Mar 2010 at 01:22

while i get what you guys say, i think this car is no less insurable than a zonda r

Sin_Chase · 30 Mar 2010 at 02:21

No-one will touch it with a barge-pole. They say it's too fragile and it'll get scratched and scuffed too easily.

Yes because every other finish on cars is nigh on indestructible. You only need to look at my paint and it will start to melt off the car.

More proof insurers are complete ****.

Insure it, put a respectable excess on it to prevent them claiming on oh so fragile chrome finish - job done.

As if anyone is going to jack a Chrome plated Mini, hardly inconspicuous is it.

eidolon · 30 Mar 2010 at 07:28

When I had the flippy paint MGZR I just insured it as being a blue car cos that's exactly what it said on the V5, surely his car must say silver on the V5 so I don't see why he can't just insure it as that.

Sin_Chase · 30 Mar 2010 at 07:33

I am assuming you cannot get a chromed Mini direct from BMW as an option. As such the car is modified, you need to declare that.

[TW]Fox · 30 Mar 2010 at 08:10

Sin_Chase said:
Yes because every other finish on cars is nigh on indestructible. You only need to look at my paint and it will start to melt off the car.

More proof insurers are complete ****.

But the difference is your paint doesnt cost the earth to respray properly.

Sin_Chase · 30 Mar 2010 at 08:27

How much can it cost to re-wrap a single panel? Not much more than spraying an entire panel I bet.

Their argument seems to be "It's too fragile" not "Cost prohibitive to repair".

SexyGreyFox · 30 Mar 2010 at 09:29

EvilDreams said:
Does it matter? Wouldn't you agree that there should be plenty of other things on the list between "send kids to university" and "buy chrome plated mini"? It gives his occupation as "builder".

I reckon you should try and look up a bloke called 'Superhod' from the 70s/80s.
he became a millionaire just from carrying bricks for Brickies.
Every decent Builder I know earn a lot of money.

GravyMonster · 30 Mar 2010 at 09:42

What kind of prat buys a car and then does some insurance quotes?

Muppet.

[TW]Fox · 30 Mar 2010 at 10:55

Sin_Chase said:
How much can it cost to re-wrap a single panel? Not much more than spraying an entire panel I bet.

Their argument seems to be "It's too fragile" not "Cost prohibitive to repair".

Where does it say its a wrap?

floatindolphin · 30 Mar 2010 at 10:56

they'll look smart once it turns back into a policeman with a big stabby arm

Pete19s · 30 Mar 2010 at 11:13

Spunkey said:
What kind of prat buys a car and then does some insurance quotes?

Muppet.

They guy with the new Z4 on the gocompare advert?

I wouldn't be at all supprised if he is now overrun with calls from insurance companies offering him "a good deal" after seeing the story in the paper. Who knows a follow-up story with the insurance companies name liberally splashed around is win win for all!

EvilDreams · 30 Mar 2010 at 13:21

G-MAN2004 said:
A friend of my parents has the occupation of 'builder' you could say. He's a multimillionaire. What's your point?

Does he refer to himself as a builder?

Django x2 · 30 Mar 2010 at 14:12

So I guess BMW wouldn't insure it then, even though they technilcally did, and for free.

Spunj99 · 30 Mar 2010 at 14:23

Toekiller said:
and what colour is the car sir?

er...silver. Shiney silver.

"What colour is the car?"

"Depends what I'm driving past..."

West · 30 Mar 2010 at 14:29

I do wonder in MiniInsure gave him a quote as well, on all 3 of mine i've had the 7 days free and when i've phoned they've always given me a quote for 12 months as well.

Jez · 30 Mar 2010 at 14:31

eidolon said:
When I had the flippy paint MGZR I just insured it as being a blue car cos that's exactly what it said on the V5, surely his car must say silver on the V5 so I don't see why he can't just insure it as that.

This is where i am failing to understand what is going on.

You phone insurer, "what colour is it", "<Whatever the V5 says>".

Really not seeing the issue wrt insurance here.

[TW]Fox · 30 Mar 2010 at 14:48

Because its a non standard paint finish.

MarkDavis · 30 Mar 2010 at 14:54

Jez said:
Really not seeing the issue wrt insurance here.

1. It costs more to re-chrome in the event of an accident / damage.
2. It's likely to be more attractive to thieves.
3. Has the car been modified in any way? Clearly.

Jez · 31 Mar 2010 at 11:13

[TW]Fox;16264879 said:
Because its a non standard paint finish.

He can just insure it as whatever it says on the V5. I'm not saying that is is technically correct, and i am sure that in the unlikely event of an issue he may well have a civil issue with his insurance company, but it would enable them to legally drive the vehicle....

Janesy B · 31 Mar 2010 at 11:15

Jez said:
He can just insure it as whatever it says on the V5. I'm not saying that is is technically correct, and i am sure that in the unlikely event of an issue he may well have a civil issue with his insurance company, but it would enable them to legally drive the vehicle....

It's a modification, if you don't declare it, the policy isn't worth the paper it's written on because you've provided false information to obtain a Motor Insurance Policy which is as good as fraud tbh.