thanks for all quick replies.

Ken, the 04 plate has BMW/Mini warranty until May 2007, then the garage has said they will add another 6mnth warranty onto that so I guess until Nov. The Mini dealership, although its an 03, would be offering a 'cherished' Mini so they are giving 12mnths. But the car is still a year older.
Re insurance, I have been online and the S would be an extra £141.00 per year for me compared to the Cooper, I'm 26 with 5 yars no claims.

Euan unsure of the plate on the blue car but it did have a scrape on the back bumper if that helps?