Mini insurance in the United Kingdom means insurance for vehicles classified as mini’s and include the Mini Cooper, Austin Mini Mayfair, Rover Mini and the BMW Mini One to name a few of the mini’s on the market. Not all vehicle insurance is the same, and it is wise to carefully choose the right insurance plan.
Mini insurance is tailored specifically for the mini vehicles. The minis are often used as a casual vehicle, being driven on a limited basis and not driven on a regular basis such as to work every day. There are a number of mini clubs organized for the purpose of holding special mini events such as rally’s, parades and assemblies. Mini insurance is available to cover the vehicles during mini events.
The insurance covers all minis no matter what the year, new or old; rebuilt or classic. There are special provisions for younger drivers, and that is a consideration not all insurance companies offer their clients, no matter what the age or experience of the driver. Drivers who are members of any of the approved mini owners club often quality for a 15% discount in their premium.
Mini insurance is flexible, and minis often have different needs than other types of vehicles. Agents and companies that offer mini insurance have an option that allows the insurance provider and the mini owner to agreed value coverage. If the owner has spent money on upgrades or if the vehicle is in better than the year may indicate condition, the covered value can be set to the true value. A book value would not take into account the value of the upgrades.
Drivers who only drive a few miles at a time may be eligible for a low mileage discount. For those people who only drive their minis on special occasions and not on a regular basis, spend less time on the road and reduce their accident risk by a few points.
Mini owners can sometimes purchase mini insurance to cover modifications as the mods are completed. The insurance will cover like or similar repairs or replacements. This allows the mini owner to increase coverage gradually and only when needed. It is economically friendlier for the vehicle owner than to buy a package of insurance that is not necessary.
Mini insurance coverage is available for most minis. If a particular mini is not covered with a regular mini plan, an insurance plan can often be created and customized for it. It is always wise to shop around and compare rates and coverage before choosing the right insurance coverage for the mini of your dreams. Not all insurance plans are created equal. Make sure the coverage you need is included in the insurance plan you choose. Being under insured can be a disaster and costly, and being over insured is a waste of money.
Insurance rates for minis can be found online by executing a web search for “mini insurance” or calling around to local insurance agents. You can always find the best insurance offer in the search box above.