What is Mini car insurance?
For owners and drivers of the later BMW-built Mini, finding and comparing Mini car insurance is quick and straightforward. Car insurance for a Mini is widely available from a number of UK insurance brokers and companies that specialise in providing quotes for Mini car insurance.
All models of Mini can be insured, including Mini One insurance, Mini Cooper insurance, Mini Clubman insurance, Mini Cooper S - John Cooper Works insurance and Mini Convertible insurance.
What types of Mini can be insured?
As the range of Minis produced by BMW from their plants in Cowley, England and in the Netherlands grows and changes, the available types of Mini include:
- Mini 5-door
- Mini Clubman
- Mini Convertible
- Mini Cooper
- Mini Cooper S
- Mini Cooper S John Cooper Works
- Mini Countryman
- Mini Coupé
- Mini Electric
- Mini One
- Mini Paceman
- Mini Roadster
Additionally, many Mini models are available in alternative specifications:
- Petrol or diesel engines
- 'All4' all-wheel drive
- 'Sport', 'Classic', 'Exclusive' and 'JCW' versions
- 3-door or 5-door
- Hatchback, SUV or estate
- Electric or petrol/plug-in hybrid
Why use Mini car insurance?
Minis are known for their individual looks, great handling and performance and for being fun to drive. Insuring your Mini with an insurer who offers not only a reasonable quote for Mini car insurance but also provides cover for approved repairs to your Mini in the unfortunate event of a claim is a major consideration when considering Mini car insurance.
What does Mini car insurance cover?
- Comprehensive: This covers the driver, the car, its passengers, property, third parties, vandalism and theft
- Third-party, fire and theft: This covers third parties in the event of an accident, as well as fire or theft. It does not cover your vehicle in the event of an accident or vandalism.
- Third party only: The most basic, cheapest and legal minimum level of cover in the UK. This covers third parties injury and damage to third party property.
Additional types of cover available
Additionally, you may opt to extend your Mini insurance cover, usually for a slightly higher premium. Common insurance policy 'add-ons' include:
- Breakdown cover: In the event your Mini breaks down and needs recovering or repairing at the roadside
- Lost car key cover: To cover the cost of replacing your Mini car keys if they are lost or stolen
- Courtesy car: A replacement vehicle so you’re not left stranded in the event of repairs to your Mini, following an accident
- Windscreen cover: Usually included in comprehensive car insurance, cover can often be purchased for TPF&T policies, to cover the cost of repairing or replacing your Mini's windscreen
- No claims bonus protection: In the event of an at-fault claim, your no claims discount would not be lost or reduced
Frequently asked questions
Is Mini car insurance expensive?
As with any insurance policy, this depends upon your individual circumstances. Your personal and business use of the car will play a part in your insurance quote, as will as your age, location, where you leave your car during day and night and your driving experience, as well as the value of the vehicle.
Common details that can increase your Mini car insurance premium include:
- When and where the Mini is driven
- How many miles - both personal and business use - the car will cover annually
- The class of business use of the car
How do I get cheaper Mini car insurance?
It may be possible to reduce the cost of your Mini car insurance by:
- Choosing a lower-power model of Mini
- Choosing the greener, Electric Mini
- Restricting your annual mileage
- Adding an older, more experienced driver to the policy
- Restricting the use and number of drivers of the vehicle
- Increase your insurance policy excess
- Install a telematics 'black box' that monitors how the car is being driven
- Install a dash cam
- Garage the car overnight
- Fit a tracking device to the car
- Pay your insurance premium annually
What about Mini insurance for a young driver?
When the original Mini was first produced in the 1950's and 1960's, it quickly established itself as one of the cars that many young drivers learned to drive in.
This tradition has continued and Minis remain one of the most popular cars for young drivers, both to pass their driving test in and as a first car. If you are aged under 21 and are considering buying a Mini, please visit our young driver car insurance page for the best quotes for your Mini car insurance.
Can I insure an original, classic Mini?
If you own a classic Mini, please visit our classic car page submit details of your classic Mini online.
How can QuoteRack help?
QuoteRack will pass your Mini car insurance requirements to specialist insurance brokers who will be able to offer you competitive quotes and relevant advice on how to achieve the right cover for your Mini.
How do I get a quote for Mini car insurance?
If you have explored other avenues of enquiry in your search for Mini car insurance, then you are welcome to submit your details through the QuoteRack website, without cost or obligation to proceed when you receive your insurance quote. Simply 'click for a quote' and we will do the rest.