• MINI
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  • MINI Coupe
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  • MINI DESIGN MODELS
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TOP COVER.

 

PERSONALISED TO THE LAST DETAIL.

 
 
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PERFECT ALL-ROUND COVER.

 

The key to fun is to simply rule out risks. Top Cover¹ motor insurance not only means reliable protection for your MINI, it also offers a whole range of special extra services. Just right for an extra-special car, of course.

 

FULL PRICE REFUND.
If your MINI is written off or stolen in the first 24 months after its initial registration, Top Cover1 will refund you the full price if you choose to buy a new MINI.

 

EXCESS WAIVER.
After four successive, damage-free years with Top Cover1, you no longer have to pay excess insurance in the event of damage.

 

Choose from the following excess variants:
€ 500 fully comp / € 300 partially comp
€ 1,000 fully comp / € 300 partially comp
€ 1,000 fully comp / € 1,000 partially comp

Excess is halved when repair work is to be carried out in a MINI approved bodyshop.
In general, no excess is payable in the case of glass repair in a MINI approved service centre.

 

MINI OPTIONS AND ACCESSORIES.
The Original MINI Options and Original MINI Accessories, such as roof box, sport steering wheel, front and rear aprons or spoilers, are also automatically insured up to an unlimited amount.

 

REPLACEMENT VEHICLE.
With fully or partially comprehensive insurance, Top Cover bears the cost of a replacement car during repair work for up to five days (up to € 45 per day, VAT included). This does not include pure glass damage or theft. Damage that occurs more than 50 km from your permanent place of residence is covered by the motor travel insurance policy².

 

DAMAGE CAUSED BY ANIMALS.
In addition to damage, consequential damage caused by animals is covered up to € 1,000. If push comes to shove, this is a service that quickly pays off.

 

MOTOR TRAVEL COVER ABROAD.
Foreign insurers often refuse to pay for a loss of value. Further, the costs for experts, attorneys and car rental are rarely refunded.
If an accident occurs abroad the damage to your vehicle caused by the other foreign party is dealt with on the basis of German claims settlement rules.

 

SECOND CAR BONUS.
If you or your partner additionally insures your second car or your motorcycle with a MINI insurance policy, your no-claims bonus will be upgraded compared to the initial classification: to 85% (No claims 2) for a second car or to 65% (No claims 2) for motorcycles³.

 

COSMETIC REPAIRS.
Good looks are also looked after by Top Cover: minor damage is repaired quickly and professionally. You receive an allowance of up to € 100 (VAT included) to cover the repair of dents, stone damage and scratches, on condition that the vehicle has been insured for at least 12 months with Top Cover and that comprehensive cover is not used to pay for this damage.

 
 

MORE TOP COVER DETAILS.

 

“NEW FOR OLD”

 
 
  • Fair settlement of your insurance claim. No wear and tear is calculated for extras or accessories; instead the original value is refunded.
  • Third-party liability includes coverage in each case of loss of € 100 million for damage to property, financial losses or personal injury, limited to € 8 million for each person injured.
  • "Traveller Policy": All vehicles rented abroad automatically have the same cover in terms of third-party liability as your own vehicle.
  • Motor travel insurance with extensive benefits in the event of an accident is part and parcel of Top Cover.
  • Even when it comes to negligence, Top Cover is your insurance partner who'll conscientiously deal with the consequences of any slip-ups that may have befallen you³.

 

APPENDIX:

 

¹ Contract partner and insurer is Victoria Versicherung AG.

 

²The detailed benefits of D.A.S. motor travel insurance can be found under the General Terms and Conditions of D.A.S. Versicherung AG for motor travel insurance under motor vehicle insurance.

 

³The precise classification of no-claims classes can be found in the General Terms and Conditions for Victoria Versicherung AG for motor vehicle insurance. Information regarding insurance benefits in the case of gross negligence is available from Victoria Versicherung AG.

 
 
AVAILABLE FROM JUST €
XX,XX
 
 

DOWNLOADABLE PROTECTION.

 

The MINI Insurance brochure provides details of all benefits and conditions.

 
 

GETTING OFF TO A CLEVER START.

 

MINI Smile. Leasing and insurance in one. Comprehensive insurance for just € XX.XX a month.