Mini warranty Vs group 1 warranty?
Discussion
Hi. Mrs Flat6er is looking at a used mini from a group 1 dealership.
We have been told by the exec that the Group1 insurance product is 1k for 2 years, and covers more than the mini insurance product? (Head unit and some other parts)?
The Group 1 product is 2 years at 1k. And the mini one they are telling us is 1k per year?
It looks like the only difference is the mini branded one covers roadside assistance. So am i potentially paying twice the price for roadside and a manufacturer brand insurance product or have I missed anything?
It just seems weird to me. Does anyone have any experience of them?
We have been told by the exec that the Group1 insurance product is 1k for 2 years, and covers more than the mini insurance product? (Head unit and some other parts)?
The Group 1 product is 2 years at 1k. And the mini one they are telling us is 1k per year?
It looks like the only difference is the mini branded one covers roadside assistance. So am i potentially paying twice the price for roadside and a manufacturer brand insurance product or have I missed anything?
It just seems weird to me. Does anyone have any experience of them?
Edited by Flat6er on Saturday 1st March 10:25
I'd be looking specifically at the components it covers ("named component" cover is bad news! As that'll mean only the parts named on the schedule are covered) and whether the Group 1 policy can only be used at a G1 dealership, or an artificially low labour rate is paid to a non-G1 garage, meaning it's unviable to use anywhere else.
You can put the car details in Here
https://booking.miniwarranty.co.uk/Login/Index
You can choose the excess amount and roadside assistance if required. The cost will be lower if the car has less than 60k miles -it also need to have a full service history. The selling dealer should check this is the case before it is marketed as a Full AU Mini.
Used to be about #600p.a ,#250 excess and no breakdown cover.',
Early F56 minis's were expensive but seem to have got more reliable in recent years but dont know if that has resulted in any reduction in premium.
If the car is 6 years old or more with an auto box make sure it has had the auto box oil changed,(Most ads don't seem to mention this)
If you are buying a JCW note that the Asain? auto gearbox had reliability problems - not heard of any for the normal mini 7 speed DCT box(from 2018)
Wow just checked my 2018 DCt Cooper s and it is #1000. p.a.
Presume you. will be getting a full years' dealer warranty if bu an approved would be tempted to run the car for a year and then decide.- both options still available the official Mini one can be started at any time. If nothing serious goes wrong would be tempted to put #1000 in my bank account
https://booking.miniwarranty.co.uk/Login/Index
You can choose the excess amount and roadside assistance if required. The cost will be lower if the car has less than 60k miles -it also need to have a full service history. The selling dealer should check this is the case before it is marketed as a Full AU Mini.
Used to be about #600p.a ,#250 excess and no breakdown cover.',
Early F56 minis's were expensive but seem to have got more reliable in recent years but dont know if that has resulted in any reduction in premium.
If the car is 6 years old or more with an auto box make sure it has had the auto box oil changed,(Most ads don't seem to mention this)
If you are buying a JCW note that the Asain? auto gearbox had reliability problems - not heard of any for the normal mini 7 speed DCT box(from 2018)
Wow just checked my 2018 DCt Cooper s and it is #1000. p.a.
Presume you. will be getting a full years' dealer warranty if bu an approved would be tempted to run the car for a year and then decide.- both options still available the official Mini one can be started at any time. If nothing serious goes wrong would be tempted to put #1000 in my bank account
Edited by twokcc on Monday 3rd March 19:06
Hello, Flat6er
You should opt for the Mini Insured Warranty which has the option of Mini road side assistance, Opt for the Comprehensive cover as this includes (wear and tear) or degradation, example I’ve just had the top engine mount replaced, my f56 manual JCW car is 8 years old 48k miles if I did not have this warranty the bill would be around £900 originally group 1 in Brighton was convinced wear & tear not covered, they contacted warranty and they said it’s degregation it was covered, all I paid was the excess of £100, and job done, the main cost was down to labour rate of £250 an hour and for group 1 Brighton it’s a 3 hour job.
Warranty’s seem expensive, but so is the Mini, I would recommend it and renew it yearly up to the cars 10th anniversary or 100,000 miles whichever comes first, and the warranty is transferable if you sell the car privately.
You should opt for the Mini Insured Warranty which has the option of Mini road side assistance, Opt for the Comprehensive cover as this includes (wear and tear) or degradation, example I’ve just had the top engine mount replaced, my f56 manual JCW car is 8 years old 48k miles if I did not have this warranty the bill would be around £900 originally group 1 in Brighton was convinced wear & tear not covered, they contacted warranty and they said it’s degregation it was covered, all I paid was the excess of £100, and job done, the main cost was down to labour rate of £250 an hour and for group 1 Brighton it’s a 3 hour job.
Warranty’s seem expensive, but so is the Mini, I would recommend it and renew it yearly up to the cars 10th anniversary or 100,000 miles whichever comes first, and the warranty is transferable if you sell the car privately.
Edited by Ian.Campbell on Wednesday 2nd April 15:18
Ian.Campbell said:
Hello, Flat6er
You should opt for the Mini Insured Warranty which has the option of Mini road side assistance, Opt for the Comprehensive cover as this includes (wear and tear) or degradation, example I’ve just had the top engine mount replaced, my f56 manual JCW car is 8 years old 48k miles if I did not have this warranty the bill would be around £900 originally group 1 in Brighton was convinced wear & tear not covered, they contacted warranty and they said it’s degregation it was covered, all I paid was the excess of £100, and job done, the main cost was down to labour rate of £250 an hour and for group 1 Brighton it’s a 3 hour job.
Warranty’s seem expensive, but so is the Mini, I would recommend it and renew it yearly up to the cars 10th anniversary or 100,000 miles whichever comes first, and the warranty is transferable if you sell the car privately.
This doesn't make sense to me. Warranty cost inc breakedown is !#1000 per annum plus #100 excess charge for each claim if less than 60k miles
I'd be be putting the #1k in a bank account each year if keep car for say 4 years youll have to be extremely unlucky to have repair costs above #4k.Will also save on service costs done by a gd indi cmpared to cost at a dealer.
Dealer i use been very competitive with indi costs for services(except brake fluid change) but suspect that's not going to happen next time as MIN service charges have incresed enormously in last year
Ian.
You should opt for the Mini Insured Warranty which has the option of Mini road side assistance, Opt for the Comprehensive cover as this includes (wear and tear) or degradation, example I’ve just had the top engine mount replaced, my f56 manual JCW car is 8 years old 48k miles if I did not have this warranty the bill would be around £900 originally group 1 in Brighton was convinced wear & tear not covered, they contacted warranty and they said it’s degregation it was covered, all I paid was the excess of £100, and job done, the main cost was down to labour rate of £250 an hour and for group 1 Brighton it’s a 3 hour job.
Warranty’s seem expensive, but so is the Mini, I would recommend it and renew it yearly up to the cars 10th anniversary or 100,000 miles whichever comes first, and the warranty is transferable if you sell the car privately.
This doesn't make sense to me. Warranty cost inc breakedown is !#1000 per annum plus #100 excess charge for each claim if less than 60k miles
I'd be be putting the #1k in a bank account each year if keep car for say 4 years youll have to be extremely unlucky to have repair costs above #4k.Will also save on service costs done by a gd indi cmpared to cost at a dealer.
Dealer i use been very competitive with indi costs for services(except brake fluid change) but suspect that's not going to happen next time as MIN service charges have incresed enormously in last year
Ian.
Edited by Ian.Campbell on Monday 31st March 23:41
Hello, Flat6er
You should opt for the Mini Insured Warranty which has the option of Mini road side assistance, Opt for the Comprehensive cover as this includes (wear and tear) or degradation, example I’ve just had the top engine mount replaced, my f56 manual JCW car is 8 years old 48k miles if I did not have this warranty the bill would be around £900 originally group 1 in Brighton was convinced wear & tear not covered, they contacted warranty and they said it’s degregation it was covered, all I paid was the excess of £100, and job done, the main cost was down to labour rate of £250 an hour and for group 1 Brighton it’s a 3 hour job.
Warranty’s seem expensive, but so is the Mini, I would recommend it and renew it yearly up to the cars 10th anniversary or 100,000 miles whichever comes first, and the warranty is transferable if you sell the car privately.
twokcc says:
This doesn't make sense to me. Warranty cost inc breakedown is !#1000 per annum plus #100 excess charge for each claim if less than 60k miles
I'd be be putting the #1k in a bank account each year if keep car for say 4 years youll have to be extremely unlucky to have repair costs above #4k.Will also save on service costs done by a gd indi cmpared to cost at a dealer.
Dealer i use been very competitive with indi costs for services(except brake fluid change) but suspect that's not going to happen next time as MIN service charges have incresed enormously in last year
Ian says:
twokcc, The warranty cost is not 1k for 1 year, its 1k approx for a Mini insured comprehensive 2 year plan with the 2 years breakdown assistance.
Mini insured warranty
Has 3 options
Comprehensive cover, mechanical and electrical cover (it does what it says in the book).
Named component, has a specific list of items mechanical and electrical.
Driveline. Protects main parts engine, transmission, and drive train.
You decide if you want Roadside Assistance, if you have example full AA cover you can freeze your cover and have it restart when Mini breakdown assistance expires or keep your AA running and not opt for Mini assistance.
You decide on the Excess you pay, if you pay a higher excess the yearly premium is reduced.
Full details on miniwarranty.co.uk
You should opt for the Mini Insured Warranty which has the option of Mini road side assistance, Opt for the Comprehensive cover as this includes (wear and tear) or degradation, example I’ve just had the top engine mount replaced, my f56 manual JCW car is 8 years old 48k miles if I did not have this warranty the bill would be around £900 originally group 1 in Brighton was convinced wear & tear not covered, they contacted warranty and they said it’s degregation it was covered, all I paid was the excess of £100, and job done, the main cost was down to labour rate of £250 an hour and for group 1 Brighton it’s a 3 hour job.
Warranty’s seem expensive, but so is the Mini, I would recommend it and renew it yearly up to the cars 10th anniversary or 100,000 miles whichever comes first, and the warranty is transferable if you sell the car privately.
=====================================================================
twokcc says:
This doesn't make sense to me. Warranty cost inc breakedown is !#1000 per annum plus #100 excess charge for each claim if less than 60k miles
I'd be be putting the #1k in a bank account each year if keep car for say 4 years youll have to be extremely unlucky to have repair costs above #4k.Will also save on service costs done by a gd indi cmpared to cost at a dealer.
Dealer i use been very competitive with indi costs for services(except brake fluid change) but suspect that's not going to happen next time as MIN service charges have incresed enormously in last year
=====================================================================
Ian says:
twokcc, The warranty cost is not 1k for 1 year, its 1k approx for a Mini insured comprehensive 2 year plan with the 2 years breakdown assistance.
Mini insured warranty
Has 3 options
Comprehensive cover, mechanical and electrical cover (it does what it says in the book).
Named component, has a specific list of items mechanical and electrical.
Driveline. Protects main parts engine, transmission, and drive train.
You decide if you want Roadside Assistance, if you have example full AA cover you can freeze your cover and have it restart when Mini breakdown assistance expires or keep your AA running and not opt for Mini assistance.
You decide on the Excess you pay, if you pay a higher excess the yearly premium is reduced.
Full details on miniwarranty.co.uk
Edited by Ian.Campbell on Wednesday 2nd April 15:20
Aisin is more reliable than the DCT, Aisin doesn't have service intervals, DCT does. Aisin can suffer from the selector failing, it still works but comes up with the error put in P to stop vehilce rolling.
Our 2016 Cooper S auto has had 1 issue in 7 years, that was an o2 sensor last month, sensor was £80. I wouldn't be buying a warranty full stop.
Our 2016 Cooper S auto has had 1 issue in 7 years, that was an o2 sensor last month, sensor was £80. I wouldn't be buying a warranty full stop.
nickfrog said:
I pay £440/year for the MINI Insured Warranty on the F56 JCW so the £1,000 is a lie.
In fact assume that anything that a Group 1 salesperson says is a lie.
I bet that their product doesn't cover wear and tear which the official product does.
Don't know where you got this info from its not correct for a new policy. The £1k figure for full comprehensive warranty with breakdown/recovery and £100 excess for a car that's done less than 60k miles. Got the quote before I posted above.(on a 2018 DCT Cooper s). The MINI warranty does cover wear and tear.I was considering for this car cant remember exactly when but about a year ago it was £600p.a with a $250 excess. I decided that not worth it for a 6 year old car. At that time it was cheaper t get warranty on a BMW 230i (from memory also same price for a 240i)-both convertibles. In fact assume that anything that a Group 1 salesperson says is a lie.
I bet that their product doesn't cover wear and tear which the official product does.
From other poster I've only seen problems with the 8speed Aisin gearbox - not seen any yet with the Getrag 7peed DCT. Looked into this as mine an April 2018 (DCT one of the first produced -it was a dealer demo car) If got any evidence that the DCT is more unreliable would be interested in seeing posts. It's not to late to change my mind but would have to be some very serious problems for me to change my mind.
DCT service was about £260 so more reasonable than the old BMW 6 speed (ZF) box that cost about £800 on my 2009 E91 325d auto
twokcc said:
nickfrog said:
I pay £440/year for the MINI Insured Warranty on the F56 JCW so the £1,000 is a lie.
In fact assume that anything that a Group 1 salesperson says is a lie.
I bet that their product doesn't cover wear and tear which the official product does.
Don't know where you got this info from its not correct for a new policy. The £1k figure for full comprehensive warranty with breakdown/recovery and £100 excess for a car that's done less than 60k miles. Got the quote before I posted above.(on a 2018 DCT Cooper s). The MINI warranty does cover wear and tear.In fact assume that anything that a Group 1 salesperson says is a lie.
I bet that their product doesn't cover wear and tear which the official product does.
Agreed on the wear and tear, that's what I said.
Edited by nickfrog on Wednesday 2nd April 10:25
Here’s my Rebel Green growler (Roary) F56 JCW 8.5 years old, manual, 48k miles, bought it one year old 6k miles, as seen on PistonHeads bought it from Chandlers Group 1 Worthing, FSH Chandlers Group 1 Brighton, he gets his usual servicing every two years and I have an extra oil and filter change done on the year it’s not due, had gearbox oil changed at 5 years, and I’ll get the coolant and thermostat done at 10 years, And yes I took out the Comprehensive Mini warranty and recovery when the 3 year manufacturers warranty came to an end, the warranty is worth every penny and at the end of the day it’s peace of mind, the parts seem fairly priced it’s the labour costs at £250 an hour that hurts from BMW/Mini. So as I said in my previous comment, example 1 top engine mount retail fitted £900, my true cost £440 for one year warranty + £100 excess oh and don’t forget my £440 included breakdown cover for one year so I didn’t have to renew my full gold AA cover, so I saved on one to pay on the other, some other things I’ve had changed under the warranty, Harmon Kardmon amp £100, Rear Screen £100 and Boot seal £100, Rear lights and gaskets £100 and the engine top mount £100, so I think I’ve had my moneys worth out of the warranty, and without the warranty my bank account would have a black hole in it. My last renewal £407 with a £250 excess, including breakdown cover. Or I can reduce the excess to £100 and pay a higher premium £440 there is the option of £0 excess but I think the premium was £500+.
Edited by Ian.Campbell on Wednesday 2nd April 17:44
Ian.Campbell said:
Here’s my Rebel Green growler (Roary) F56 JCW 8.5 years my true cost £440 for one year warranty + £100 excess oh and don’t forget my £440 included breakdown
Just checked again the MINI insured warranty is #1k p.a for less than 60k miles cper s and JCW witj #100 excess including full breakdown cover - here's a link to random JCW that got reg from auto trader. Edited by Ian.Campbell on Wednesday 2nd April 15:34
https://booking.miniwarranty.co.uk/Product/Index
So how do you get this down to #440 is the product different to this?
P.s Nice JCW
twokcc said:
Just checked again the MINI insured warranty is #1k p.a for less than 60k miles cper s and JCW witj #100 excess including full breakdown cover - here's a link to random JCW that got reg from auto trader.
https://booking.miniwarranty.co.uk/Product/Index
So how do you get this down to #440 is the product different to this?
P.s Nice JCW
Did you pick a MINI with existing warranty? I guess not. It's vastly cheaper when the warranty hasn't been interrupted, almost 40%. Mine was fully comp with £250 excess and assistance. If you buy AUC or within the first 3 years or with an existing insured warranty that was bought without warranty interruption, it's much cheaper hence the fairly misleading £1,000 from Group 1, particularly if their car is AUC. And if it's not then it can't qualify for insured warranty anyway as the only reason I can think of why it wouldn't is gaps in the SH. This has been like that for at least 15 years that I have bought the Allianz product.https://booking.miniwarranty.co.uk/Product/Index
So how do you get this down to #440 is the product different to this?
P.s Nice JCW
Edited by nickfrog on Wednesday 2nd April 18:36
Hi twokcc,
This is the warranty I have, MINI Insured Warranty, MINI Roadside Assistance and MINI Roadside Assistance Essential are sold by AWP Assistance UK Ltd and is underwritten by AWP P&C SA.
This is the warranty I refer too, I bought my F56 JCW registered 2016 when it was one year old, so had 2yrs manufacturers warranty remaining and it’s service pack, so 2019 I had a call from Chandlers group1 who I bought the car from and who has done all servicing from day 1 and warranty work, who put me on to AWP to extend my warranty, on checking my last paperwork invoice the cost of 1 year Comprehensive Warranty with Roadside Assistance was, and I paid £407.00 including (IPT) tax, this has a £250 excess.
This is Mini Insured Warranty with Mini Roadside Assistance.
This is the warranty I have, MINI Insured Warranty, MINI Roadside Assistance and MINI Roadside Assistance Essential are sold by AWP Assistance UK Ltd and is underwritten by AWP P&C SA.
This is the warranty I refer too, I bought my F56 JCW registered 2016 when it was one year old, so had 2yrs manufacturers warranty remaining and it’s service pack, so 2019 I had a call from Chandlers group1 who I bought the car from and who has done all servicing from day 1 and warranty work, who put me on to AWP to extend my warranty, on checking my last paperwork invoice the cost of 1 year Comprehensive Warranty with Roadside Assistance was, and I paid £407.00 including (IPT) tax, this has a £250 excess.
This is Mini Insured Warranty with Mini Roadside Assistance.
nickfrog said:
Yep, I am lying actually. I checked and I am also paying £407. Last year was a bit more with a lower excess but without assistance. A great value product either way.
Hi nickfrog,You didn’t lie you didn’t want people to think you got something they didn’t. As for me, I had forgot last year the excess increased from £100 to £250 and the premium went down to £407.
Edited by Ian.Campbell on Wednesday 2nd April 19:45
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