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MINI Shortfall Insurance.

Our Defaqto 5 Star rated MINI Shortfall Insurance helps protect you from losing out financially if your MINI is written off or stolen.

When you truly love your MINI, you want to protect it in the best way. That’s why we created MINI Protect, our comprehensive range of insurance products designed to help maintain that sense of adventure, whilst protecting you from damage costs.

Within this suite of MINI Protect products is MINI Shortfall Insurance, created to protect your finances should your vehicle be written off due to an accident, theft or fire. MINI Shortfall Insurance is designed to bridge the gap between the motor insurance settlement and either the amount you paid for your vehicle, or the outstanding amount due under your finance agreement if your vehicle is declared a total loss, whichever is the higher amount. MINI Shortfall Insurance covers you against losing out in these unsettling situations.

At a Glance:

  • Cover available for 2, 3 or 4 years
  • Additional limited cover (only for your finance agreement) between the end of your MINI Shortfall Insurance policy and up to the end of year 5, where your vehicle is financed for longer than the duration of the policy (Available for 3 and 4 year MINI Shortfall Insurance policies only)
  • The insurance could pay up to £500 to cover any excess you have as part of your motor insurance claim
    Pay for your policy upfront or in 12 monthly payments (at no extra cost)
  • Cover for accessories listed on the original purchase invoice for the insured vehicle that are present at the date of loss
  • You have up to 60 days to purchase your policy after you have collected your MINI. The cover will start after policy purchase.


Contact your participating local approved MINI Retailer and get your quote today.
For full terms and conditions of this product, see the policy wording document available online at mini.co.uk/insurance or by calling MINI Protect Services on 0330 400 1516 .

MINI Protect Services lines are open Monday to Friday 9.00am-5:30pm.

Please note you must not accept your motor insurer’s settlement figure until you have contacted our claims department. If you accept your motor insurers write off valuation without our agreement then any MINI Shortfall Insurance claim may be calculated and settled based on our assessment of the market value of the vehicle at the time of write off.

Terms, conditions and exclusions apply. This website only provides a summary of the cover provided by MINI Shortfall Insurance and does not include the full terms, conditions and limits of cover. Please refer to the policy document below.


Making a claim.

In the unfortunate event that you need to make a claim, MINI Protect Services are available to assist you. If you purchased your policy before 1 April 2018, please call 0345 641 9736. If you purchased your policy on or after the 1 April 2018, please refer to the policy document below for full details of how to make a claim.


>> Find out more about MINI Shortfall Insurance.

>> MINI Shortfall Insurance Policy

To find out more about MINI Shortfall Insurance, give your participating local MINI Retailer a call.

If you need further help, you can call MINI Protect Services on 0330 400 1516. MINI Protect Services lines are open Monday to Friday 9am-5.30pm.

MINI Shortfall Insurance is administered by Abraxas Insurance Administration Services Limited, registered in England and Wales with company number 02928787 and its registered office is at One Victoria Street, Bristol Bridge, Bristol, BS1 6AA. Abraxas Insurance Administration Services Limited is authorised and regulated by the Financial Conduct Authority. The Insurance is underwritten by MAPFRE Asistencia Compania Internacional de Seguros y Reaseguros S.A. Dixon House, 72-75 Fenchurch Street, London, EC3M 4BR. Company Number: FC021974. Branch Number BR008042. MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros S.A. is authorised by Direccion General de Seguros y Fondos De Pensiones and is subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and the Prudential Regulation Authority are available on request.