Optional Benefits

In addition to your Core Cover, MINI Car Insurance offers you a choice of optional benefits, giving you the flexibility to design the policy to suit your needs.

No Claims Discount Protection

Allows you to make one fault claim on your policy per policy year without losing your No Claims Discount.

Legal Expenses Cover

Up to £100,000 towards the cost of legal action you may need to take to cover uninsured losses should you or anyone covered under your policy be involved in a road accident involving your car which was not your fault.

Driving other cars

Provides you with third party cover whilst driving another car.

Personal Accident

Pays a fixed sum of up to £20,000 if you or your passengers are killed or permanently injured in an accident involving your car.

Car Contents

Covers your personal possessions eg. sat nav and mobile phone while locked out of sight in your car (or in an attached luggage trailer or locked roof box) against loss or damage by accident, fire, theft or attempted theft.

Car Hire

In addition to the replacement vehicle covered by your core cover, 2 levels of enhanced cover are also available:

  • Car Hire provides you with a MINI One or equivalent for the period your car is being repaired or for up to 4 days if your car is damaged beyond economical repair, or
  • Extended Car Hire provides you with a MINI One or equivalent for the period your car is being repaired or for up to 18 days if your car is damaged beyond economical repair or 14 days if your car is stolen and not recovered.

Foreign Travel

Extends your comprehensive car insurance to cover you for a choice of either 30, 60 or 90 days of driving in the EU and other selected countries.

Roof Boxes & Trailers

Up to £1,000 to cover your trailer and/or roof box against theft or damage while attached to or detached from your car.

Policy terms and conditions apply.