Builder Ian, 42, saw the super-shiny special edition in a London showroom on Valentine's Day and bought it for Toni, 41. He was given a week's free insurance by BMW so he could drive it 120 miles home to Greasley, Notts.
But when the seven days were up and Ian tried to get normal cover, he was refused a quote by one insurance firm after another. The dad-of-two said: "I've been left with the world's most expensive mirror.
"No-one will touch it with a barge-pole. They say it's too fragile and it'll get scratched and scuffed too easily. It's a Mini Cooper for crying out loud, not a Ferrari.
"It's a terrible waste because it's such a striking car. If you look at the body you see your reflection perfectly."
A spokesman for the Association of British Insurers said: "It could be a target for thieves. My advice is to try a broker who taps into specialised markets - but he should expect to pay a considerable amount."
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