Specialist cover for one of Britain’s most iconic classic cars.
90-day EU travel
Up to 4 additional named drivers
Cherished number plates covered
Coverage for UK & EU club tours
Specialist Classic Mini Insurance
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Why choose Ripe for classic Mini insurance?
Ripe has been arranging specialist insurance for more than two decades and is backed by an ‘Excellent’ Trustpilot rating and a UK-based customer service team, there to offer support before, during, and after buying your insurance from Ripe.
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Cover for restored & modified classics
Cover available for accepted modifications, helping protect your vehicle as you've restored or customised it.*
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EU Cover for Up to 90 Days
Enjoy your European road trips and club tours with up to 90 days' cover per trip
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Cherished Number Plate Cover up to £10k
Financial protection for eligible cherished number plates worth up to £10k*
Insurance designed for classic Mini owners
A classic Mini policy is designed for enthusiasts, which can include cover for accepted modifications, up to four named drivers and European travel for up to 90 days per trip.
If you are a member of a UK classic car club or compete with your Mini in regularity rallies, this can also be covered.
What does classic Mini insurance cover?
Classic Mini insurance by Ripe includes a range of features for different types of classic Mini owners, including personal accident benefits, loss of keys and foreign use within the EU.
Medical expenses (£500 per person)
Personal accident benefits
Personal belongings (£300)
Loss of keys & replacement locks (£500)
Child seat cover (£150)
Inflatable storage device (£500)
Foreign use within the EU (up to 90 days per trip)
Club tours in the UK and EU
Regularity rallies in the UK
Registration plates & cherished number plates (up to £10k)
Permanently fitted tracking equipment (up to £500)
Dismantled parts & modifications (subject to acceptance)
Up to four additional named drivers
Towing & national coverage of storage locations
Commuting use available (subject to policy limits)
Discount for eligible classic car club members
Driving other cars
Trailers
Regularity rallies outside the UK
Racing, time trials and similar competitive events
Certain modifications
Storage in the Channel Islands, Isle of Man and Northern Ireland
Commuting over 3,000 miles or beyond the annual mileage limit
*Subject to policy terms, conditions and acceptance where applicable.
For full policy wording and details on what is and isn’t covered under a modern classic car insurance policy, visit the Important Documents.
What types of classic Minis can you insure?
Classic and vintage Mini insurance by Ripe can cover a wide range of Mini models.
These could include:
Mini Saloon
Mini Cooper
Mini Cooper S
Mini Clubman
Mini Traveller
Mini Countryman
Mini Pick-up
Mini Moke
Not sure if your classic Mini is eligible? Get a free quote online to see whether the vehicle can be covered and explore the available cover options.
Can my modified classic Mini be insured by Ripe?
Many modified classic Minis can be insured via a classic car policy by Ripe, provided they meet underwriting criteria. Mini insurance includes cover for accepted modifications, helping provide financial protection for vehicles that have been restored, upgraded or personalised.
Classic Mini insurance FAQs
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The quickest way to determine if your classic Mini is eligible for cover is to get a quote. Eligibility will depend on the vehicle, its condition, how it will be used and the policy's underwriting criteria.
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Depending on the policy selected, classic Mini insurance by Ripe can include European travel for up to 90 days per trip. Policy terms, territorial limits and eligibility criteria apply, so it's worth obtaining a quote to see what cover is available.
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Yes, if a classic Mini is being used as wedding transport for a friend and no payment or reward is received, cover may be available under the policy terms and conditions. There is no additional charge for this type of use.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £40 voucher of your choice, but your friends could make some great savings too!
Content reviewed: February 2026
Content reviewed by: Dan Dawson