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MINI Cooper car insurance

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Why choose a MINI Cooper?

There are lots of reasons you might want to choose a MINI Cooper, not least its iconic design. A starring role in movies like The Italian Job and The Bourne Identity has helped make this distinctive car a symbol of Britishness.

More than 10 million MINIs have been sold since the brand first came into being in 1959, and you can buy a MINI Cooper in more than 109 countries.

But it isn’t just their personality that inspires such loyalty in owners. MINI Coopers are also known for their fuel efficiency, along with being highly convenient city cars. And the fact that they tend to maintain their value doesn’t hurt either.

What insurance group is my MINI Cooper in?

Which insurance group your MINI Cooper sits in will depend on several factors, including the model type, fuel type, number of doors and when you bought the car.

Here’s a few examples of insurance groups for MINI Cooper models:

Model Insurance group
MINI Cooper D (2014-2018) 15
MINI Cooper D Seven (2016-2018) 16
MINI Cooper Bayswater SD (2012-2014) 23

What affects the cost of my MINI Cooper insurance?

Your car’s insurance group is just one factor affecting the price of your car insurance. Insurance groups are numbered between 1 and 50, with cars in group 1 being cheapest to insure.

But your car’s insurance group isn’t the only factor determining how much you’ll pay. Insurance providers will also consider your age, address and driving experience when they calculate your quote.

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What cover do I need for my MINI Cooper?

When it comes to insuring your MINI Cooper, you have three options: comprehensive, third party, and third-party fire and theft.

Here’s what you can expect from each:

  • Third-party insurance is the lowest level of cover available and the minimum you need to legally drive on the road. Third-party insurance covers damage to another driver’s car if you cause an accident, but it won’t protect your own car. 

    You might assume this type of insurance is the cheapest as it offers you the least cover. However, it’s often more expensive as insurance providers consider drivers who opt for third-party only to be high risk.
  • Third-party, fire and theft – offers the same protection as third party, but also covers you if your car is stolen or involved in a fire. But be aware that it won’t pay out if you have an accident and you’re at fault.
  • Comprehensive car insurance is, as the name suggests, the most comprehensive cover available. It protects both you and your car if you’re involved in an accident, no matter who caused it.

What extras can I add to my MINI Cooper car insurance policy?

There’s a whole host of extras you might want to consider adding to your MINI Cooper car insurance policy so that you’re fully covered:

Breakdown cover

Breakdown cover provides you with roadside assistance if your car breaks down. This can get you out of a bind if you find yourself with a flat battery, electrical fault or damaged tyre. 

Motor legal protection

Motor legal protection could help cover legal expenses that arise as the result of a car accident.

European breakdown cover

European breakdown cover is invaluable if you’re planning on taking your MINI Cooper on a road trip to the continent. European breakdown cover includes roadside assistance and recovery if you break down while you’re away.

Courtesy car cover 

Courtesy car insurance means you’ll be given a replacement car if yours is off the road. This can be a lifesaver if you depend on your car to get around.

Wrong fuel cover

To cover costs resulting from putting the wrong fuel in your MINI Cooper.

Personal accident cover

Personal accident insurance offers cover if you or your partner are seriously injured or killed in a car accident.

Windscreen cover

Windscreen cover means you’re insured if you need to repair or replace your windscreen.

No claims bonus protection

So you can keep your no claims discount if you do need to make a claim.

Lost keys cover

Lost keys cover can pay for reprogramming or replacing lost or stolen keys.

Why compare MINI Cooper car insurance with Compare the Market?

There are lots of reasons to compare MINI Cooper insurance with Compare the Market, the main one being that shopping around is the best way to get the right price.

51% of Compare the Market customers could save up to £549[1] on their car insurance.

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[1] Based on Online independent research by Consumer Intelligence during March 2024, 51% of customers could achieve this saving on their car insurance through Compare the Market.

Frequently asked questions

How safe is the MINI Cooper?

The MINI Cooper has a Euro NCAP rating of four out of five stars.

How can I get cheaper car insurance for my MINI Cooper?

Looking for cheaper car insurance? There’s a few ways to lower your premium. These include paying annually (rather than monthly) for your policy, reducing your annual mileage and shopping around.

Where can I find car insurance for my MINI Cooper?

One easy way to find car insurance for your MINI Cooper is to compare prices with a range of insurance providers. Compare the Market makes this process simple.

Considering buying a different model? Visit our manufacturer’s hub to see what you could be paying for your policy.

Page last reviewed on 11 JANUARY 2024
by Julie Daniels