Does MBO Insurance Cover your COMAND?

[les.sherry]

I have just had a very competitive quote from MBO Insurance for my E320CDI Estate which I accepted. However, when the documents arrived, one of the 'benefits' listed was 'Radio/Audio cover up to £500 or 10% of the market value of the vehicle whichever is lower'. Since my car has the COMAND option, which would cost more like £2000 to replace, I questioned the cover only to be told the cover was limited to £500 because this was an optional extra and not the standard fit. Needless to say I cancelled the cover and renewed my old policy with the AA who only put a limit on none manufacturer fitted radio/audio. If you have anything other than the standard fit audio in your Mercedes it would be worth checking that you are covered.
Les Sherry

 

[television]

I must take a look at mine Les, where the Comand is a standard fit

 

[Rory]

Some insurance companies, noteably the Admiral group and all its associated companies, don't cover options at all.

Write off your Merc / BMW etc with £K's of options and they'll give you a standard one back.

My car is insured with Liverpool Victoria and it's not totally clear in their documentation that COMAND would be covered - I think it refers to standard, rather than factory, fit. However they cheerfully wrote me a letter to confirm that it would be covered to its full value.

 

[les.sherry]

Hi Rory
The AA is very clear. It covers 'the Insured Car's manufacturer fitted audio, satellite navigationand/or communication equipment permanentely fitted in the Insured Car provided their values have been included in the market value declared to the Insurer'. What I am disappointed about is that MBO Insurance offers such limited cover, particularly since Mercedes cars have some very expensive factory options.