MINI Cosmetic Repair 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 this suite of MINI Protect products is MINI Cosmetic Repair Insurance, developed to protect the beauty and finish of your vehicle, covering the costs for repairing minor cosmetic damages or providing a contribution if it cannot be repaired so your MINI leaves a lasting impression.

View our Interactive Insurance Brochure which gives you an overview of all products included in the Insurance Solutions range.  

MINI Cosmetic Repair Insurance


  • Cover available for 3 years.
  • Available for New and Approved Used MINIs.
  • Repairs can be carried out at your local MINI Retailer or by our mobile repairer network.
  • Lifetime ownership guarantee on cosmetic repairs carried out by our approved repairer.
  • 5 year guarantee on cosmetic repairs carried out under this insurance.
  • You have up to 60 days to purchase your policy after you have collected your MINI. Cover will start after you have purchased the policy.
  • Up to £250 contribution towards a body shop repair for damage that falls within the size parameters but cannot be cosmetically repaired.


  • Cover for the cost of cosmetic repair for accidental or malicious minor cosmetic damage to the bodywork up to the cover limit.
  • Excludes specialist bodywork finish.
  • Excludes damage where paint is cracked or flaked, and any pre-existing damage.
  • The policy does not cover vehicles on Contract Hire. 
  • Cover in the United Kingdom and Europe. Repairs can only be carried out in the UK.


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.

This website only provides a summary of the cover provided by MINI Cosmetic Repair Insurance and does not include the full terms, conditions and limits of cover. Please refer to the policy wording document.


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. 

MINI Protect app


Our MINI Protect Insurance Claims App is here to make registering a claim simple, quick and easy for your MINI Cosmetic Repair and Tyre Damage Insurance policies. The app is available 24/7 allowing you convenient access to register your claim and also the ability to view your policy documents for all your MINI Protect Insurance products.

 To login to the app you need to enter your surname and vehicle registration, the app will then send an SMS with a verification code to your mobile to confirm it’s you.  
Registering a claim couldn’t be easier, our app guides you through the process, providing clear and simple instructions to register a claim. Select your policy type, enter the claim details, upload pictures and our claims team will then review your claim the next working day. The team will either contact you directly or begin processing your claim if it’s accepted and notify you via email.

Download our Claims app by searching for ‘MINI Protect Insurance Claims’ on the Apple or Android store.