An area of bespoke specialist car insurance that includes products such as high performance car insurance, kit cars, prestige and sports cars and imports, is the relatively recent introduction of insurance for specific models and manufacturers. One example of this is the ‘Mini’ insurance policy. This is designed to cover all different models and ages of minis from the late 1950’s up until the present day.

As with all other cars it is a legal requirement to have car insurance. The advantages of having Mini car insurance is that you can (if you spend a little time and have patience) find a cheaper rate compared to a standard policy.

Of course there are certain variables that will increase Mini car insurance either through a specialist Mini policy provider or a standard insurance company. If the driver is under the age of 21 and male rather than female then there will be an increase the yearly/monthly premium. This is due to those brackets being higher risk through a lack of driving experience; similarly males are higher risk than females. In addition, by modifying or customizing a Mini and thereby increasing its value and possible desirability, the premium will also increase relatively to reflect that.

There are a few methods in which to lower Mini car insurance apart from by using a specialist Mini insurer. These include generic factors such as driving fewer miles, no claims bonuses and increasing vehicle security. However by being a member of a recognised Mini owners club could also save anything in the region of up to 15% on an insurance policy (dependant on the type of policy taken out). Bespoke Mini car insurance can result in generous premium savings compared to a standard car insurance policy.

While Mini car insurance can be more beneficial financially to owners of that particular vehicle, it is always recommended to research and ‘shop around’ between various standard and specialist insurance companies to find the lowest premium and highest level of cover. Due to the overwhelming number of insurers, it is usually possible to play one against another in order to get a lower quote, which tends to happen as each company vies for your business.