Minus/plus icon
ResourcesExplore the full ACKO experience and make the most of your plan

MINI Countryman Car Insurance

Upto 85% off on MINI Countryman Car Insurance

Buy or Renew MINI Countryman Car Insurance Online in 2 Minutes ⚡️

Car number

Looking to insure brand new car?

Zero commissions, big savings

MINI Countryman Insurance

Home / Car Insurance / MINI Countryman Car Insurance

The MINI Countryman is an exciting compact luxury crossover SUV that provides the perfect combination of head-turning retro styling, zippy performance and rugged off-road capabilities. However, buying this stylish vehicle is just the first step. As a responsible MINI Countryman owner, it is critical that you also buy a comprehensive car insurance policy. It provides the financial security net you need to fully enjoy your vehicle without worries.

Read on as we discuss why you need insurance, the type of covers available, what's included, important exclusions, how to buy/renew MINI Countryman insurance, the claims process and more.

Why Should You Buy Car Insurance for MINI Countryman?
Jump Tag Icon

As per the Motor Vehicles Act, it is illegal to drive any car on Indian roads without a valid third-party insurance policy. Even a new car like the MINI Countryman needs this basic insurance before it can be taken on the roads, failing which you could be fined heavily or even face imprisonment.

Financial Protection for Your Asset
Jump Tag Icon

The MINI Countryman is a premium luxury vehicle with highly advanced features and technology. It represents a significant investment. Comprehensive insurance ensures your asset is protected against a range of man-made and natural contingencies. It covers repair or replacement costs, so you don't have to bear heavy expenses if the unfortunate occurs.

Safeguard Against Third-Party Liability Claims
Jump Tag Icon

Car insurance provides coverage if your MINI Countryman damages a third-party vehicle or property or causes death/injury to someone. It covers any legal compensation claimed by third parties. Without this cover, you may have to pay from your own pocket.

The Most Common Types of Car Insurance for MINI Countryman
Jump Tag Icon


Third-Party Liability Only
Jump Tag Icon

It is the basic mandatory cover as per The Indian Motor Vehicle Act. It covers legal liability arising due to injury/property damage caused to a third party only. Own damage to your vehicle is not covered. This policy has low premiums but limited benefits.


Comprehensive Insurance
Jump Tag Icon

This policy provides extensive coverage by combining third-party liability with coverage for loss or damage to your own vehicle. It is the most comprehensive and popular policy. Premiums are higher than third-party policies but reasonable compared to coverage and benefits. It is highly recommended for new cars like the MINI Countryman as it is ideal for a worry-free ownership experience.

What is Covered

What is Not Covered

What is Covered in MINI Countryman Car Insurance?
Jump Tag Icon

A comprehensive MINI Countryman insurance commonly covers:

  • Injury/death of a third party due to an accident caused by your insured car

  • Damages to third-party property like vehicle repair costs, property damage, etc.

  • Own damage covers, which include damages to own MINI Countryman due to man-made causes like accidents, riots, strikes, civil unrest, etc.

  • Losses due to natural calamities like floods, earthquakes, lightning, storms, cyclones, etc.

  • Fire and explosion-related damages

  • Theft of car or its parts

  • Malicious acts like vandalism, arson, etc.

  • Terrorism related damage

What is Not Covered by MINI Countryman Car Insurance?
Jump Tag Icon

Though comprehensive, some standard exclusions in MINI Countryman insurance are:

  • Normal wear and tear or depreciation of parts

  • Mechanical or electrical breakdown

  • Damage caused by driving under the influence of drugs/alcohol

  • Losses arising due to war, nuclear perils, etc.

  • Routine maintenance expenses

  • Luggage and personal belongings inside the car

  • Injury or damages caused outside the specified geographical area

Add-ons for MINI Countryman Car Insurance
Jump Tag Icon

Useful add-ons to enhance coverage:

Zero Depreciation Cover
Jump Tag Icon

It waives off the depreciation applied on parts during claims, allowing you to get the full value without deduction. Useful, especially in the first few years.

Engine Protector Cover
Jump Tag Icon

Covers damage to engine parts due to water ingression, leakage or hydrostatic lock. Provides protection against expensive engine repairs.

Consumable Expenses Cover
Jump Tag Icon

Covers expenses related to engine oil, nuts, bolts, screws, washers, grease, etc., in case of damage due to an accident.

Key Replacement Cover
Jump Tag Icon

Pays for new keys and locks if your original set is lost or stolen. Useful if you have an advanced keyless system.

Personal Belongings Cover
Jump Tag Icon

Provides coverage for loss of personal belongings kept in the car due to theft or accident.

NCB Protection Cover
Jump Tag Icon

Allows you to retain your No Claim Bonus even if you make a claim during the policy period. Helps maintain lower premiums.

Benefits of Buying ACKO Car Insurance for Your MINI Countryman
Jump Tag Icon

ACKO offers many benefits like:

How to Buy/Renew MINI Countryman Insurance from ACKO
Jump Tag Icon

The steps for buying/renewing MINI Countryman insurance from ACKO are:

4 Easy Steps to Raise a Claim
Jump Tag Icon

  1. Intimate the claim via call or using the ACKO app/website

  2. Provide details of the incident and upload requisite claim-related documents

  3. For minor damage claims, inspection may not be needed, and the claim is settled instantly based on documents

  4. For major damage claims, inspection is conducted if needed, and the claim is settled as per policy terms

Jump Tag Icon

The MINI Countryman is a cherished possession for any owner. Comprehensive insurance ensures full financial protection for your prized car. ACKO offers specially customized plans, add-ons and a seamless claims process - ensuring you can relax behind the wheels of your MINI Countryman!

Frequently Asked Questions on MINI Countryman Car Insurance
Jump Tag Icon



How is the IDV of my MINI Countryman calculated?

The Insured Declared Value (IDV) of your MINI Countryman is calculated based on the manufacturer's listed selling price, depreciation based on the age of the car, accessories installed, etc., as per IRDAI guidelines. A higher IDV means a higher premium.

What documents do I need when buying MINI Countryman insurance?

You'll need a copy of your driver's license, RC book, previous policy copies, if any, KYC documents and a current photograph of the car as required by the insurer. However, at ACKO, you only need to provide basic car details to buy a policy.

How do I get the no-claim bonus transferred from my previous insurer?

Submit your previous policy documents and renewal notice along with the NCB certificate from the previous insurer when buying your new MINI Countryman policy. The NCB will be transferred after verification.

What is the claims process for engine damage cover?

Intimate the claim by providing repair estimates. The surveyor inspects damages, approves claims as per terms, and settlement is done at the garage via a cashless facility.

What documents do I need to submit when raising a car insurance claim?

For accident claims, you'll need to submit FIR, repair estimates, photographs, invoices/bills for repairs, RTO transfer papers, etc., as required. For theft, an original FIR copy, a letter to RTO intimating theft, and forms like Forms 28,29,30,35, etc., may be required.