A MINI is more often a second car and a city car than a family car, and that shifts the risk from motorway miles to parking damage and accessories insured with the car.
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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
In brief
The way a MINI is used differs from most cars: relatively few kilometres a year, many short journeys in built-up areas and often a second car alongside a larger family car. That means less exposure to serious collisions, but more chance of parking damage, collisions caused by unknown persons and vandalism.
The second distinctive feature is personalisation. A contrasting roof, striping, mirror caps, larger wheels and the equipment of a John Cooper Works package together represent a considerable share of the value. Whether that is paid for when there is a claim depends on whether it was ordered from the factory or added afterwards and declared.
If you also drive a larger car from the same group, the BMW page is a useful addition. For a comparison within the compact segment, it is also worth looking at CUPRA.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
A second car and a low mileage
If the car covers few kilometres, give a realistic annual mileage. That brings the premium down noticeably. If you consistently exceed the band you have given, the insurer can hold that against you when there is a claim. If you already have a car insured, ask about a second-car arrangement. No-claims years can be assigned to one policy at a time and cannot be used for two cars at once.
Paintwork, wheels and accessories
A roof, striping and wheels ordered from the factory are included in the list price and are therefore insured with the car. Anything you add later yourself falls under a separate accessories limit that varies from policy to policy. Declare expensive additions and keep the invoices, otherwise the standard specification will be taken as the basis when there is a claim. Being paid more than the actual loss is not possible in any event: Article 7:960 of the Dutch Civil Code stands in the way of that.
Parking damage with no other party
The most common damage in town is a dent or a scratch where the person who caused it remains unknown. That damage falls under comprehensive cover and not under third-party, fire and theft, and with most insurers it counts towards your no-claims years because there is no other party to recover from. On a small claim, therefore, first work out whether paying yourself works out cheaper than dropping back through the steps.
A convertible: the hood is a vulnerable point
On an open version the fabric hood is both bodywork and weak spot. If the hood is cut open to get at the contents, that damage falls under break-in damage, provided there are demonstrable signs of forced entry and you report it to the police. Discolouration, leaks through ageing and a worn mechanism are wear and remain excluded, comprehensive cover included.
What does your premium depend on?
Trim level and engine power. A John Cooper Works version falls into a different rating group from the entry-level version of the same model.
Annual mileage. A low declared mileage brings the premium down, provided you keep to it.
Storage and postcode. Parking in the street in an urban area leads to a different rating from a locked garage.
Main driver. The age and driving experience of whoever uses the car most, even where the policy is in someone else's name.
Accessories covered. Wheels, audio equipment or paintwork added later above the standard limit increase the insurable interest.
Cover and excess. Third-party, fire and theft or comprehensive cover, with an excess you can raise to bring the premium down.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
No-claims years belong to one policy at a time and cannot be used twice over. If you insure a second car, many companies do offer a second-car arrangement under which you start on a discount derived from your existing policy. If you sell the first car, you can still transfer its years within the usual period.
Are my larger wheels insured as well?
Wheels supplied from the factory are included in the list price and are covered. If you have had them fitted afterwards, they fall under the accessories limit of your policy. If their value is above that, declare them separately with the invoices. If you do not, the insurer will pay only the value of the standard wheels when there is a claim.
Does a parking claim cost me no-claims years?
If no other party is known, the insurer cannot recover the loss anywhere and it counts as a claim. You then drop back through the steps. Where the amount of a claim is close to your excess, paying yourself is often more advantageous. Ask your adviser to do that calculation before you report it.
Is the fabric hood of a convertible covered?
In a break-in where the hood is cut open, the damage falls under break-in damage within third-party, fire and theft, provided there are signs of forced entry and you report it to the police. Wear is another matter: discolouration, leaks through ageing and a faltering mechanism are maintenance issues and are paid for by no car insurance policy, not even with comprehensive cover.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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