MINI APEX ​INSURANCE​.

Your vehicle is more than just a means of getting from point A to B—it’s an investment, a partner in adventure, and often an essential part of daily life. But what happens when the unexpected strikes? While your comprehensive motor insurance might cover damages, accidents, or theft, it may leave you facing financial gaps that could impact your ability to move forward.

That’s where APEX Insurance comes in. Designed to go beyond standard coverage, APEX bridges the gap between your motor insurance pay-out and the original invoice price of your vehicle—or the outstanding balance on your finance agreement.

Whether it’s a total loss or a partial claim, APEX steps up to ensure you don’t face unnecessary financial shortfalls. This means no surprises, no stress, and complete confidence that you’re fully protected. With benefits like excess coverage, accessory protection, and replacement vehicle assistance, APEX keeps you on the road and worry-free.

Drive with the assurance that comes from knowing APEX Insurance has you covered every mile of the journey.

Start your coverage journeyDownload brochure

HOW TO GET STARTED.

Protect your vehicle in three simple steps:

1. Contact Us: Call us or visit our showroom to discuss and finalise your policy.
2. Enjoy Full Coverage: Drive with confidence, knowing your MINI is covered.

Ready to Get Started?

Drop by and visit one of our Sandal showrooms, or submit an enquiry below.

Visit usEnquire here

WHY CHOOSE APEX INSURANCE?

BENEFITS AT A GLANCE.

• Return to Invoice (RTI): Receive a payout equal to your vehicle's original invoice price if it's declared a total loss, even if its market value has depreciated.
• Excess Coverage: Reclaim up to £500 of your motor insurance excess on total or non-total loss claims.
• Replacement Vehicle: Stay on the road with a temporary replacement vehicle for up to 30 days (£30/day max) in case of a total loss.
• Accessory Coverage: Covers dealer or factory-fitted accessories up to £1,500.
• Flexible Payments: Spread the cost with interest-free payments over 10 months.
• Peace of Mind: Protect your savings and avoid unexpected financial burdens.

KEY EXCLUSIONS.

• You must be aged between 17 and 85 years old to be eligible for MINI Flex Car Insurance
• Must hold a full UK/EU driving licence to be eligible for MINI Flex Car Insurance
• Minimum driver age of 30 Years old for MINI John Cooper Works (JCW) Countryman and Clubman Models (306hp), and 25 years old for MINI JCW 3-door Hatch and Convertible models
• UK residents only
• Have had no more than three at-fault claims in the past five years
• Have a maximum of three minor driving convictions in the past five years and no major convictions
• Some high performance and higher value vehicles may require a Thatcham approved tracking device

Terms, conditions, exclusions and excesses apply.

0% PAYMENT OPTION.

​Affordable Coverage Made Easy.

Spread the cost of your APEX Insurance policy over 10 interest-free monthly payments. Choose coverage for your vehicle's invoice price, with plans starting as low as £284 for 36 months or £347 for 48 months. Enjoy flexibility and peace of mind without upfront costs.

For a breakdown of prices based on your vehicle’s value, speak to Sandal MINI today!

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Policies are administered by Premia Solutions Limited

Premia Solutions Limited, 3 Corunna Court, Corunna Road, Warwick CV34 5HQ

Registered office: 20 Fenchurch Street, Part 5th Floor, London, England, EC3M 3BY.

Registered number: 4088720.

Premia Solutions Limited are authorised and regulated by the Financial Conduct Authority under registration number 310089.

Sandal Motors (Bayern) Ltd t/a Sandal Auto is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486).