How can I save on my Mini car insurance?
The price you pay to insure your Mini will depend on several factors, such as your age, location and driving history. However, there are still things you can do to try and help bring down the cost:
- Pay annually rather than monthly
- Add a named driver
- Increase your voluntary excess
- Shop around and compare quotes
- Estimate your mileage accurately
- Improve your car's security
- Build up your no-claims discount
Pay annually rather than monthly. By paying annually, you can save 16%2 on your car insurance. This is because when you pay monthly, insurers add interest onto the cost.
Add a named driver with a good driving history. This can be especially helpful if you're a young driver. The average premium with just one driver on a policy is £7252. With a named driver, this goes down to £5552. Just make sure you're honest about who the main driver is, otherwise this is known as 'fronting', which is illegal and can result in your insurance being invalidated.
Increase your voluntary excess. The most popular excess amount is £250, with 62%2 of our customers opting to set their voluntary excess at this level. Generally, the higher your excess, the lower your insurance could be. Just make sure you set it at a level that you can afford to pay if needed.
Shop around and compare quotes. Comparing prices is one of the best ways to insure you're getting the best deal for the cover you need. Our data suggests the best time to buy your policy is around 26 days2 before your renewal date.
Estimate your mileage accurately. Typically, the more miles you drive, the more your insurance will cost. This is because driving more puts you at a higher risk of making a claim. Our customers drive 6,621 miles per year, on average2. If you don't drive many miles, you might benefit from a pay-as-you-go policy.
Improve your car's security with things like a steering wheel lock, car tracker, or immobiliser to reduce the chances of car theft. Parking in a secure garage rather than on a dimly lit street can also help reduce the likelihood of your Mini being stolen.
Build up your no-claims bonus (NCB). Each year you're insured without making a claim, your NCB increases. Insurers offer discounts for each year of no-claims you build up. Some policies allow you to protect your no-claims discount, so you can make a certain number of no-fault claims in a year and not lose your NCB.
2Based on Confused.com data December 2022 - April 2023.
What insurance can I get for my Mini?
There are 3 levels of car insurance you can choose from:
- Third-party, fire and theft
The history of Mini Cooper
Minis were originally produced by England-based British Motor Corporation from 1959 and quickly became an iconic symbol of 1960s British culture. Though a tiny car, its space-saving engine meant a more substantial share of the floorplan could be used by passengers.
Throughout the 1960s, performance versions of the classic Mini won races and rallies, including the prestigious Monte Carlo Rally.
BMW purchased Mini in 1996, and the first Mini models under the ownership of BMW were introduced in 2001, departing from the classic two-door Mini with a hatchback format.
Under BMW's reign, Minis have become significantly bigger, with the range including hatchbacks, estate cars and small SUVs, making the Mini a more practical option as a family car than before.
BMW has mainly produced Minis at its factory in Cowley, Oxford, though SUV versions have been built elsewhere, with the Countryman assembled at a BMW facility in the Netherlands. The 10 millionth Mini rolled off the production line in Cowley in 2019, marking the Mini's 60th anniversary.
The great deal of choice BMW has brought to the Mini proposition means that the Mini stable varies quite a lot on price, as well as on insurance costs for motorists. Alongside the petrol models, Mini now offers all-electric and plug-in hybrid models as well.
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