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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.
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.
A comprehensive car insurance will cover injuries/accidental death of the occupants in an event of the crash.
The Mini Cooper car insurance will provide complete liability for damages to third-party life/property.
The vehicle will be picked up and sent for repairs within hours of claim request.
All settlements are cashless which makes for a hassle-free experience.
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.
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 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.
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.
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.
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.
No Claim Bonus (NCB) Cover
Return to Invoice Cover
Personal Accident (PA) Cover
Roadside Assistance/Vehicle Tow Cover
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.
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.
If you have any doubts regarding car insurance, Acko’s team of experts will provide you with unbiased guidance to solve your queries.
With paperless transactions, the claim settlements at Acko are faster and efficient compared to a conventional insurance provider.
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.
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.
Yes, if you have comprehensive car insurance for your Mini Cooper then you can purchase the below add-ons.
Engine Protection Cover
The following documents are required to renew your car insurance.
Registration Certificate (RC)
Pollution Under Control (PUC) certificate
Previous policy certificate
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.
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.