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Mini Cooper Car Insurance

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Car Insurance for Mini Cooper

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Mini is an iconic British car manufacturer which was known for its small and affordable cars in its early years. But with the transformation of the automobile industry and with the changing market demands, Mini had to update its cars. That’s when the company partnered with John Cooper Works to deliver some of the iconic hatchbacks, and as a result, the legendary Mini Cooper was built. The new Cooper hatchback is a classic car with compact design and comes with premium interior and modern features. Are you looking to buy Mini Cooper car insurance? Then this article will provide you with all the information related to Classic Mini insurance.

Importance of Buying Online Car Insurance For Mini Coopers

Loss/Damage Protection

Mini Cooper is an expensive car, and repairing any damages can cost a lot of money. Buying car insurance covers loss/damages to the vehicle as the insurer will pay for such repairs.

Personal Accident Cover

A comprehensive car insurance will cover injuries/accidental death of the occupants in an event of the crash.

Unlimited Liability

The Mini Cooper car insurance will provide complete liability for damages to third-party life/property.

Claim Survey

The vehicle will be picked up and sent for repairs within hours of claim request.

Cashless Claim Settlement

All settlements are cashless which makes for a hassle-free experience.

Car Insurance plans for Mini Cooper Car

There are two types of car insurance policies: Comprehensive and Third-Party. Both offer different features and coverage benefits. Below are the details about Third-Party and Comprehensive insurance plans.

Third-Party Insurance

As per law, it is mandatory to purchase third-party insurance for your car. The policy covers any damages to third-party or property of third-party.

Comprehensive Insurance

Comprehensive car insurance is not mandatory, but it provides more coverage when compared to the third-party insurance policy. The comprehensive insurance policy will cover any damages to you or your vehicle and also damages to third-party/third-party property. Comprehensive insurance will also allow you to buy add-ons to the existing car insurance policy.

What’s Covered in Mini Cooper Car Insurance (Inclusions):

Comprehensive car insurance covers damages to your vehicle. The points below explain what’s covered (inclusions) in Mini Cooper car insurance:

Personal Accident Coverage: The insurance policy will cover any injuries caused to the owner/driver of the vehicle in the event of a crash. In the case of the death of the policyholder, the insurer will pay the insured amount.

Damages due to Accident: Any damages caused to the vehicle due to an accident will be covered by your car insurance.

Damages due to Natural Disaster: Natural disasters such as flood, earthquake, storm or cyclone can cause damages to your car. Your car insurance will also cover such damages.

Damages due to Human-Made Calamities: The car insurance will cover any damages caused to the vehicle due to human-made calamities such as riots.

Loss/Damage due to Fire/Explosion: In case of any damages to the vehicle due to fire, your car insurance will cover the damages.

Vehicle Theft: Your car insurance will pay the IDV (Insured Declared Value) of the car if the vehicle is stolen/totalled.

Exclusions of Mini Cooper Car Insurance:

Car insurance also has a few exclusions. Refer to the points below to know what is not covered in the Mini Cooper car insurance:

Wear and Tear Parts: The car insurance will not cover any wear and tear parts such as tyres, clutch plates, brake pads, etc.

Driving without Driving Licence: Insurer will not cover any damages to the vehicle if the driver does not hold a valid driving licence. Any claims made will be rejected.

Rash Driving under the influence of Intoxicants: If the driver of the vehicle is under the influence of any intoxicants and causes damage to the vehicle, then the car insurance will not entertain any claims. 

Depreciation Value of the Vehicle: Over the period of time the vehicle gets old and the value of the parts decreases. During the settlement of a claim, the insurer will consider those factors, and it is called depreciation value.

Damages due to Mechanical/Electrical Breakdown: The car insurance will not cover any damages caused to the vehicle due to mechanical/electrical breakdown.

Add-ons for Mini Car Insurance:

As mentioned before, a comprehensive insurance policy will allow you to purchase add-ons for your Mini car insurance. Below are the add-ons for car insurance.

Benefits of Buying Acko Car Insurance Policy for your Mini Cooper Car

In this digital era, you can find everything on the internet, and the same applies for insurance too. Digital payment modes have made the whole process of buying/renewing insurance simpler and faster. Below are the benefits of purchasing Acko car insurance for your Mini Cooper.

Online Process

The entire process of buying/renewing insurance is online. You can log on to Acko Insurance website or download the smartphone app to purchase/renew car insurance.

Guidance from Trained Professionals

If you have any doubts regarding car insurance, Acko’s team of experts will provide you with unbiased guidance to solve your queries.

Claim Settlement Time

With paperless transactions, the claim settlements at Acko are faster and efficient compared to a conventional insurance provider.

Claim Procedure:

The claim procedure of Acko car insurance is hassle-free and simple. Everything is digital, and there is zero paperwork. Below are the steps to apply for a claim:

  • Log on to the website (www.acko.com).

  • Register your claim by filling in all the details such as policy number, vehicle number, type of damage, etc.

  • Upload images of the damaged car.

  • Within 1 hour your car will be picked up from your location for repairs.

  • You can track the status of repair on the website.

  • Within 3 days, your car will be delivered in perfect condition.

  • For minor damages, the claim will be settled instantly. You can repair the car at your convenience.

*Note: The vehicle pick up and drop service is available in select cities. Please refer to the website for more details.

Frequently Asked Questions


From where can I purchase Mini Cooper car insurance?

You can purchase insurance for your Mini Cooper either online or offline. There are several insurance companies to choose from. But purchasing the insurance online is hassle-free and paperless.

Can I purchase add-ons for Mini Cooper car insurance?

Yes, if you have comprehensive car insurance for your Mini Cooper then you can purchase the below add-ons.

  • NCB Cover

  • Engine Protection Cover

  • Zero Depreciation

  • Invoice Cover

What documents are required to renew Mini Cooper car insurance?

The following documents are required to renew your car insurance.

  • Registration Certificate (RC)

  • Pollution Under Control (PUC) certificate

  • Previous policy certificate

  • Address proof

  • Identity proof

How much does it cost to insure a Mini Cooper?

It depends on the type of insurance and the value of the vehicle. If the cost of the vehicle is high, the insurance will also cost more.

Where can I find insurance for my Mini Cooper?

You can find insurance offline as well as online. Buying insurance online will save you a lot of time and money, and the entire process is digital and paperless.

Car Insurance for Other Mini Cooper Car Models/Variants:

  • Mini Cooper JCW

  • Mini Cooper Convertible

  • Mini Cooper Countryman

About Car Insurance for Mini Cooper:

Mini Cooper is an iconic car and holds a special place in the automobile industry. Over the years, the Cooper has transformed to be a powerful and stylish hatchback. Mini is not your average hatchback, it’s a premium product, and comes with a premium price tag to match its legacy. And to protect that legacy, you should insure your Mini Cooper. A comprehensive insurance policy will provide all-round coverage which includes own damage and damages to third-party property/life. A third-party policy will only cover damages to third-party life or property.

A third-party insurance policy will be only liable for damage to third-party property or life. On the other hand, comprehensive car insurance policy will cover own damage along with third-party damage liability. Comprehensive insurance will provide cover against vehicle damage due to an accident, natural disaster, man-made disaster or fire. Apart from that, the comprehensive insurance plan also covers injuries to the driver or passenger and theft of the insured car.

Comprehensive insurance will also allow you to buy add-ons which adds several coverage benefits. Mini Cooper is an expensive car, and any damage will set you back by a hefty amount of money. So, an insurance policy is a must, it also gives you peace of mind when you drive the car.  Given the Indian road condition and the chaotic traffic on roads, car insurance will provide all-round protection for the classic Mini Cooper.

Why should you buy Mini Cooper Cars?

Mini Coopers are one of the popular premium compact cars in the world of automobiles. The Cooper is a hatchback which packs a punch for its size. It’s a unique car, and there is no competition for Mini in its segment. Mini cars feature a quirky exterior design and luxurious interior with a typical circular theme for dashboard. The engine is also powerful and capable of setting the roads on fire!

If you are someone who’s looking to own a premium car, and at the same time you need a compact car, then the Mini Cooper is the right choice. Despite its compact dimensions, the Mini Cooper packs a punch when it comes to exterior design, interior features and engine specifications.

Below are the highlights of Mini Cooper:

  • Exterior Design: The design of the Mini Cooper is compact, and the circular theme is pronounced with round headlights and mirrors. The alloy wheels and spoiler gives it a sporty look.

The front end of the Mini Cooper gets premium touches such as the chrome treatment around the headlights and grille, a scoop on the bonnet, a chrome strip which runs around the body, chrome treatment around tail lights and dual chrome exhaust tips at the rear. Every part of the exterior is finished to perfection and emphasizes the Mini heritage.

  • Interior Design: The interior of the Mini Cooper also features a circular theme with round centre console and round dial on the instrument console. The leather seats offer a lot of comfort, and it has also got a well laid-out dashboard.

The interior is spacious to accommodate four occupants, and the premium leather seats offer unmatched comfort for the driver and passengers. The dashboard is equipped to the brim, and the highlight is the circular infotainment system with a touch display. The material used on the dashboard is also leather which emphasizes the luxury.

  • Specifications: The Mini Cooper is offered with both petrol and diesel engine options, and the hatchback is available in 3-seater or 5-seater models. The engines offer a peppy performance, and Mini Cooper is a fun-to-drive machine. Due to its compact dimensions, the car handles very well in corners and another advantage is that it can easily squeeze through tight spots in traffic. Parking the Mini Cooper is also very easy as the dimensions are not huge.

Below are the detailed specifications of the Cooper.

Mini Cooper Specifications

Details Petrol Diesel
Engine Capacity 2-Litre 1.5-Litre
Power 190 Bhp 112 Bhp
Torque 280 Nm 270 Nm
Gearbox Automatic (Dual-Clutch) Automatic (Torque Converter)
Steering Electric Power Steering Electric Power Steering
Seating Capacity 4-Seater 4-Seater
Drivetrain Front-wheel Drive Front-wheel Drive

Variants of Mini Coopers, Fuel Type and Ex-Showroom Price:

Mini Cooper is offered as a 3-door and 5-door model. Refer to the table below for Mini Cooper ex-showroom price:

Variant Fuel Type Ex-Showroom Price
Mini Cooper 3-Door Petrol Rs. 34.5 Lakh
Mini Cooper 5-Door Diesel Rs. 36 Lakh

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.