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Mini Cooper Car Insurance


Mini Cooper is a British automotive company that started operations in 1969. The original Mini was a series of small cars manufactured by BMC (British Motor Corporation). The current Mini Cooper model features a 4-star ANCAP safety rating. In India, Mini Cooper has evolved from a spectacular hatchback to a luxurious lifestyle product since its introduction by BMW, which is currently its parent company. If you are planning to invest in purchasing a car model by Mini Cooper, consider buying a Mini Cooper car insurance to protect your vehicle against unforeseen and uncalled for situations.

Check Insurance Premium for Popular Mini Cooper Variants


Mini Cooper offers a total of 6 car models in India. The list of mini cooper models includes 1 convertible car and 5 hatchbacks. Further, Mini Cooper car price (ex-showroom) starts from Rs. 39 Lakhs and goes up to Rs. 47.20 Lakhs.

You can check out the Mini Cooper car insurance rates for top-selling models in the following table:






Fuel type


Convertible 1.6L

Rs. 28,00,000


Rs. 7,897

Convertible 1.6 R57

Rs. 27,00,000


Rs. 7,897

Countryman 1.6L Auto

Rs. 25,00,000


Rs. 7,897

S 1.6 S

Rs. 23,00,000


Rs. 7,897

*Note that the insurance cost mentioned above is meant for the existing Mini Cooper variants only. You can further compare the cost of Mini Cooper car insurance in India across different insurance companies for an informed purchase decision. To compare between insurance companies, you can visit online platforms like Bajaj MARKETS.

How to Buy Mini Cooper Car Insurance Online

You can purchase a car insurance plan for your Mini Cooper online in a hassle-free way. Simply follow these steps:

Step 1: Visit the car insurance calculator page on Bajaj MARKETS and proceed with the application

Step 2: Enter a few details about your vehicle and your mobile number

Step 3: Choose an insurance plan and add the add-on covers as per your need

Step 4: Make the premium payment via your preferred electronic payment method

Upon successful payment, you will receive the policy documents on your email ID.

How to Renew Your Mini Cooper Car Insurance Online

Renewing your Mini Cooper car insurance is as convenient as purchasing it online. You just need to go through the following steps:

Step 1: Navigate to the car insurance renewal section of your insurer

Step 2: Enter your mobile number and car registration number

Step 3: Feed in your previous policy details

Step 4: Verify the details and modify any add-on covers if you want

Step 5: Pay the premium

Read More: Car Insurance Renewal

Reasons to Insure Your Mini Cooper Car

One of the primary benefits of purchasing car insurance is the financial coverage that it brings along. With an active policy, you do not need to worry about bearing any repair cost arising due -made calato damages to a third-party. The Motor Vehicle Act, 1988, mandates every motorist in the country to have at least a third-party car insurance plan. Failing to do so can attract heavy penalties and fines, and even imprisonment in case of repeat offences. With a comprehensive car insurance plan, you do not have to worry about any damage caused to your vehicle due to natural or manmities. The insurance company covers the cost of repairs under such circumstances. A comprehensive car insurance policy also provides complete coverage against vehicle theft. Thus, if you report total loss of your vehicle, the insurance company will reimburse the entire IDV amount.

Types of Mini Cooper Car Insurance Plans

Before purchasing an insurance plan for your Mini Cooper, it is essential to be aware of the types of policies extended by insurance companies. 

While browsing through Bajaj MARKETS, you will find two types of insurance plans, specifically:

  • Third-party car insurance

Third-party car insurance offers coverage benefits to only the third-party. Meaning, under this type of plan, the policyholder is not covered against loss or damage. As per the Motor Vehicle Act, 1988, having a third-party car insurance plan is a legal mandate for all vehicles plying on the Indian roads. Furthermore, this plan comes with a personal accident cover, which covers the insured against accidental injuries, disability or death. 

  • Comprehensive car insurance

As opposed to third-party insurance, a comprehensive car insurance policy provides extensive coverage to the policyholder. Such a plan covers both third-party damages as well as own car damages. This plan also has the option of customisation with add-on covers, which help enhance the policy coverage. However, note that these add-on covers bear extra charges.

Inclusions and Exclusions of Mini Cooper Car Insurance Plans

The key to making an informed insurance cover purchase decision is to know the various inclusions and exclusions of a plan in detail. 

Typically, insurance plans from Bajaj MARKETS contain the following inclusions and exclusions:

Common inclusions:

  • Damage or loss to the vehicle due to natural or man-made calamities

  • Personal accident cover

  • Third-party liabilities

  • Damage due to accidents

  • Vehicle theft

Common exclusions:

  • Regular wear and tear of the vehicle

  • Damage incurred while driving under the influence of alcohol or other toxic substances

  • Damage or loss incurred to the vehicle when driving without a valid driving licence

  • Loss or damage to the vehicle when driving with an inactive policy

  • Loss or damage during a war-like situation

  • Damage or loss due to malicious activities

  • Electrical or mechanical breakdown of the vehicle

Add-on Covers for Your Mini Cooper Car Insurance Plan

When you purchase a comprehensive insurance policy, you get the option to choose various add-on covers. These add-on covers, which come at an extra cost, help maximise the coverage benefits of your policy. 

Mentioned below are a few options that you can choose from:

  • Lock and key replacement cover

This add-on cover provides coverage for the replacement cost of the car’s key if it is lost or stolen. The lock and key cover also extend compensation for the cost incurred in replacing or repairing the car’s locks.

  • Personal baggage cover

With this cover, you can stay assured of receiving coverage for any damage to your personal belongings in the event of a road mishap.

  • Roadside assistance cover

The roadside assistance cover saves you from the panic of getting stranded in the middle of the road. Purchasing this on top of your basic plan will ensure emergency assistance for various services, including urgent fuel delivery, tyre replacement and more.

  • Zero depreciation cover

Purchasing a zero depreciation cover ensures that you receive the claim settlement amount without considering depreciation.

  • Engine protection cover

An engine protection cover saves you from bearing the expenses relating to damage incurred to your car’s engine.

Mini Cooper Car Insurance Claim Process

One of the crucial things you need to know after purchasing a car insurance policy is how claims are processed. Typically, car insurance companies extend two types of methods for raising a claim. They are:

  • Reimbursement claims

Under this method, you are required to pay the expenses related to vehicle damage at first. However, after this, you can approach your insurer with the necessary documents and repair bills to seek reimbursement for the repair costs.

The steps to make a claim under this process are:

Step 1: Inform your insurer about the accident and file an FIR in case of third-party damage or theft

Step 2: Take your vehicle to a garage for repairs

Step 3: Submit the necessary repair bills and other documents to your insurer

Step 4: Upon approval, you will receive the reimbursement

  • Cashless claims

Under cashless claims, you do not need to pay any expenses out of your pocket. Instead, your insurer settles the bill directly with the garage. However, to obtain this facility, you must visit a network garage, as mentioned in the policy document.

The steps to raise a claim under this process are:

Step 1: Inform your insurer about the accident and raise a claim

Step 2: Take your vehicle for repairs to a network garage

Step 3: Submit the necessary documents to your insurer

Step 4: Following this, your insurer will settle the bill directly

Documents Required to File a Claim for Your Mini Cooper Car Insurance

For a hassle-free claim process, keep the following documents handy:

  • Policy document

  • Personal details

  • Details about the accident

  • Copy of FIR

  • Original invoice and repair bills

Read More: Car Insurance Claim Process

Ways to Reduce the Mini Cooper Car Insurance Cost

You can keep the insurance cost for your Mini Cooper at the minimum by following a few tips, such as:

  • Obtaining only the necessary add-on covers

The number of add-on covers you purchase over your basic plan significantly affects your insurance cost. Thus, consider choosing the add-on covers that are absolutely necessary.

  • Raising the voluntary deductibles

Deductible is the amount that you pay from your pocket before raising a claim. Typically, a higher deductible results in a lower premium. Thus, you can raise your voluntary deductible to enjoy a lower insurance cost.

  • Avoid raising small claims

If you make small expenses towards your car from your own pocket, it will ensure that your no claim bonus remains intact. This will help you avail a discount ranging between 20% and 50% on your premium.

  • Installing anti-theft devices on your vehicle

Typically, the higher your vehicle safety, the lower your premium will be. In this regard, you can consider installing anti-theft devices, such as gear locks and steering locks in your vehicle to enjoy a lower insurance cost.

  • Taking proper maintenance of your car

Proper maintenance of your car can assist you to avoid paying hefty Mini Cooper maintenance cost. Furthermore, if you take proper care of your car, it will reduce the chances of breakdown. As a result, your insurer might consider lowering the insurance cost.

Keep the above pointers in mind before purchasing a Mini Cooper car insurance policy. Additionally, ensure to read the terms and conditions of the insurance company before making a decision.

To Conclude

The Mini Cooper is a stylish yet expensive car that needs a lot of care. To make sure that your precious car always remains covered against accidental and other types of damages, it is vital to protect it with a comprehensive car insurance plan. You should also consider some ‘add-on riders’ that can enhance the scope of the policy. If you are confused about which car plan to buy, you can check out the car insurance options available at Bajaj MARKETS and choose a plan that fulfils all your specific needs.

Check Out Car Insurance Plans Available at Bajaj MARKETS

FAQs on MINI Cooper Insurance

  • ✔️What is the difference between on-road price and ex-showroom price?

    The on-road price is the price of a car which includes other charges like those for insurance and registration. It is the price you ultimately pay for your car. The ex-showroom price is the price displayed in the showroom, excluding additional costs.  

  • ✔️What does Insurance Declared Value (IDV) mean in car insurance?

    The IDV is the maximum insurance amount you can claim for permanent damages done to your car or when your car is stolen. You can file this claim with adequate proof and police authentication online.

  • ✔️What is the mileage of MINI Cooper?

    The mileage of MINI Cooper is 16.35 kmpl.

  • ✔️What is the price of the MINI Cooper top model in Chennai?

     The on-road price of the MINI Cooper 3 Door Hatchback in Chennai is Rs. 47.34 Lakhs.

  • ✔️How long does a car insurance policy last?

     The tenure of a car insurance policy is one year.

  • ✔️Is MINI Cooper a luxury car?

     Yes, the MINI Cooper and all other models from the house of MINI are luxury cars.

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