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.
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.
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.
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.