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@NurseHolliday
Modern classic policies are good value for money (15-20 years old).
Lancaster Insurance insured me on modern classic as I have "access to other vehicles", I don't necessarily have to own them, but it has to be parked off the road (mine is on a driveway) and I have got limited mileage.
Sparky, it's common knowledge the newer the Mini, the more likely it is to fall apart. The Sportspacks were the worst out of all of them! The good thing is when they've been refurbed, they've usually been rustproofed much better than when out of the factory. You will probably still need to do minor things every 15 years, but then that's classic cars...