Shortfall Insurance

MINI Shortfall Insurance.

Protecting you, should the worst happen to your MINI.

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


•    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

Terms, conditions and exclusions apply. Please note you must not accept your motor insurer’s settlement figure until you have contacted our claims department. If you accept your motor insurer’s 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 motorcycle at the time of write off. 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 1890 825 204 . If you purchased your policy on or after 1 April 2018, please refer to the policy document below for full details of how to make a claim.

Get a quote.

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  1890 945 885 . MINI Protect Services lines are open Monday to Friday 9am-5pm.

MINI Shortfall Insurance is underwritten and administered by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland, which is authorised by Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda in Spain and is regulated by the Central Bank of Ireland for conduct of business rules. BMW Financial Services (Ireland) DAC, trading as MINI Financial Services is regulated by the Central Bank of Ireland.

BMW Financial Services (Ireland) DAC receives commission from MAPFRE ASSISTANCE Agency Ireland at a rate of up to 7% for each BMW Group Insurance Product policy sold by a BMW Retailer. This amount is included in the premium with sales commission received by the MINI Retailer for arranging the sale of the insurance product to you