Mini One insurance 

An iconic British car, Minis are compact, trendy and popular with all ages. Now owned by BMW, it’s even been voted as one of the most influential cars of the 20th century. But before you get behind the wheel of one, it’s important to ensure that you have the right level of Mini One insurance.

As well as being a legal requirement, there’s insurance for mishaps including misfuelling, lost keys and vandalism, meaning you can find a policy that will suit your lifestyle and needs.

How expensive is a Mini One to insure?

Cars are rated into insurance groups depending on how much the average insurance is. Vehicles in group 1 have the cheapest rates, while those in group 50 have the most expensive. Depending on the model, Minis can be found in insurance group 11-33 meaning that quotes can vary. However, if you have a basic model, it’s likely that your Mini will be relatively affordable to insure. 

Which type of insurance should I get for my Mini One?

It’s a legal requirement to have third party insurance, which covers other people, their vehicles and property in the event of damage or an accident. If you want additional cover, third party, fire and theft will include this – plus if your car is stolen or damaged by fire. The highest level of insurance is comprehensive and covers all of this as well as any damage to your car. 

Do I need breakdown cover?

Not every insurance policy comes with breakdown cover so it’s wise to check the terms and conditions. It’s not a legal requirement to have breakdown cover but you do need to consider what you’d do. Often, these types of policies also come with roadside recovery and a courtesy car too.  

What other policy add-ons are there when I’m insuring a Mini One?

Similar to home insurance, you can add additional protection depending on your specific needs. This includes cover for misfuelling, lost keys, personal accident, vandalism and if you’re involved in an accident with a driver who isn’t insured. 

What information is required to get a Mini One insurance quote?

Insurance providers will want to know a few personal factors like your age, driving history and postcode. You’ll also need to provide some information about your Mini One including its age, engine size and where it’s parked overnight. If you want to add any other drivers to your policy, you’ll need to provide information about them too. 

Is it cheaper to insure an older car?

Usually if your Mini One is older, your insurance quotes will be less. This is because a car’s value decreases over the years meaning the insurance payout after an accident also reduces. 

Why do older drivers have cheaper insurance?

After the age of 25, auto premiums begin to reduce meaning the overall insurance quote will be less. Drivers between the ages of 40-50 usually have the lowest quotes.