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MINI SHORTFALL INSURANCE.
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 our suite of MINI Protect products is MINI Shortfall Insurance, ensuring you’re not out of pocket if your MINI is 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 MINI, or the outstanding amount due under your finance agreement if your MINI is declared a total loss, whichever is the higher amount. MINI Shortfall Insurance covers you against losing out in these tricky situations.
View our Interactive Insurance Brochure which gives you an overview of all products included in the Insurance Solutions range.
KEY BENEFITS.
- Cover available for 3 or 4 years.
- Available for New and Approved Used MINIs up to 10 years old at policy inception.
- The insurance could pay up to £500 to cover any excess you have as part of your total loss motor insurance claim.
- This policy could also pay up to £500 per year should you have a successful claim under your motor insurance policy that does not relate to a total loss, or for glass repair or replacement.
- Contribution towards a temporary replacement vehicle for a maximum of 30 days at £30 per day where a total loss has occurred.
- Pay for your policy upfront or in 12 monthly payments (at no extra cost to the customer).
- Cover for up to £1,500 Retailer fitted accessories listed on the original purchase invoice for the insured vehicle that are present at the date of loss.
- You have up to 90 days to purchase your policy after you have collected your MINI. Cover will start after you have purchased the policy.
FURTHER BENEFITS.
- No vehicle mileage limitations
- Cover is provided for incidents which occur within the UK, Ireland, Isle of Man, Channel Islands, Switzerland, or within the countries of the European Economic Area
- If your motor insurer declares your vehicle a total loss and you are provided with a replacement vehicle, you are able to transfer the cover that’s left on your MINI Shortfall Insurance to the replacement vehicle at no extra cost
- The MINI Protect Services Team will be on hand to help if you need to make a claim and can negotiate with your motor insurer on your behalf
- Full premium refund if there is no Shortfall (GAP) in the event of a total loss or
- If you receive a new vehicle replacement under the terms of your Comprehensive Motor Insurance and haven’t benefited from the Shortfall policy, you can choose to either transfer the remaining cover under this policy to the replacement vehicle, OR accept the full premium refund and if applicable, benefit from the Total Loss Excess Cover and temporary replacement vehicle
POLICY CONDITIONS.
- Minimum vehicle price £5,000 and a maximum price of £150,000.
- The insurance cover will be capped at a maximum amount. Therefore the amount paid out under the MINI Shortfall Insurance might be lower than the gap between the motor insurance settlement and either the amount you paid for the insured vehicle or the early finance settlement balance.
- Cover only applicable if a claim under your motor insurance policy is paid.
- Cover for finance agreements does not include Contract Hire or Lease Hire.
GET YOUR QUOTE.
Contact your participating local approved MINI Retailer and get your quote today.
For full terms and conditions of this product, see your policy wording document.
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 wording document.
MAKING A CLAIM.
In the unfortunate event that you need to make a claim, MINI Protect Services are available to assist you. Please refer to your policy wording document for full details of how to make a claim.