Mini Car Insurance

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About Mini India

Mini is a reputed car manufacturing company which was established in 1961. It is a subsidiary of BMW and has sold more than one million cars post the takeover. Mini is into manufacturing small and trendy car models. Few of the top Mini car models available in the Indian market are mentioned below.

Mini Top Models

1. Mini Countryman

Mini Countryman

Mini Countryman is a 5 seater SUV car with dimension length 4229 m, width 1822 mm and wheelbase 2595 mm. It comes with 1 diesel engine and 1 petrol engine. The displacement of engines is 1995 cc and 1998 cc respectively. It is available with an automatic transmission facility. The fuel mileage range is between 14.41 kmpl to 19.91 kmpl depending on the type of fuel and variant of the model.

2. Mini Convertible

Mini Convertible comes with 1 petrol engine of 1998 cc. It has an automatic transmission function. The model gives mileage of 16.7 kmpl. It is a 4 seater car with length 3850 mm and width 1727 mm. The max torque and max power are 280Nm@1250rpm and 189.08bhp@5000-6000rpm respectively. The model has a boot space of 125 litres and a fuel tank capacity of 44 litres. Additional features like anti-lock braking system, passenger & driver airbags, alloy wheels, and power steering are available in the car.

Mini Convertible

Mini Car Insurance Price

Mini car models can be insured under the two types of car insurance available in the market. The two types of car insurance are - Third Party Liability Insurance and Comprehensive Cover Insurance. You should always take heed of the following things as it affects the premiums of Mini car insurance.

  • IDV of the car
  • The present condition of the car
  • Purchase date of the car
  • Type of cover required

Here are mentioned a few of the Mini car models along with the premiums to be paid.

Mini Car modelsModel VariantEx-showroom PriceIDV*Zero Depreciation*Premium*(HDFC ERGO)
Mini CountrymanDiesel (1995 cc)Rs.37.4 LakhsRs.31,21,052Rs.23,408Rs.72,619
Mini Convertible1.6 L R57 Petrol (1598 cc)Rs.38.9 LakhsRs.30,71,276Rs.10,749Rs.74,766

*The values are calculated based on the city (Delhi) and year of registration (2020)

Inclusions & Exclusions of Car Insurance Cover

Inclusions

  • Burglary of car
  • Accidental damages
  • Damage due to natural calamity
  • Damage to third-party property
  • Own damage cover
  • Coverage in case of physical injury to passengers presents in the car at the time of the accident
  • Personal accident cover

Exclusions

  • Damage due to illegal activity
  • Reporting fraud accident
  • Drink and drive case
  • Damage due to wear & tear of car parts
  • Cost of add-on accessories like coolant, freshener etc
  • Any issue with the car's engine
  • Damage due to war
  • Devastation due to terrorist activity
  • An accident caused in the absence of a license
  • Accident while any minor is driving a car

Additional Covers Provided Under Car Insurance

  • No Claim Bonus- No claim bonus is offered for claim-free years under this policy.
  • Zero Depreciation Cover- Car parts made of plastic, rubber, fibre etc. are covered under zero depreciation cover.
  • Engine Cover- Any disorder in the engine of the car can disturb your budget. So, car insurance also provides engine cover. If you reside in heavy rain prone areas, then you must buy car insurance.
  • Passenger Cover- Medical expense coverage is provided in the case of physical injury to the passengers travelling in the car that met with an accident.

Discounts Offered Under Car Insurance

The discounts offered under Mini car Insurance are:

  • Accessory Discount- Accessories like anti-theft devices can get you a discount of up to 25% on your own-damage premium.
  • Accidental Cover- Government employees get an accidental death cover under car insurance.
  • AAI Membership- Membership of the Automobile Association of India gets a discount under a car insurance policy.

FAQs

Yes, you can get coverage for windshield but only in the case of a comprehensive car insurance policy.

The paint scratches can only be covered under comprehensive car insurance cover subject to the condition that the scratches occurred due to collision with third-party vehicle or property.

No, a car battery does not get coverage under car insurance as it is considered as wear & tear of car parts.

Yes, it will get covered under zero depreciation cover as it is made up of plastic.

Last updated on 06-03-2020