Car insurance for your MINI

Cover your MINI with Defaqto 5 Star rated car insurance
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Why choose LV= to insure your Mini?

Join over 51,000 like-minded people who insure their MINI with us

51,102 people insured their MINI with us (correct at 5 July 2024)

Here's what you'll like about our comprehensive cover...

  • Accidental damage cover
    Scratched or dented your car? We pay for repairs so it's as good as it was before the accident

  • Uninsured driver promise
    If the other driver is not insured and the accident's not your fault, you keep your no claim discount and there's no excess to pay - as long as you have the details of the other vehicle and driver
  • Misfuelling cover
    Accidentally filled your petrol or diesel car with the wrong fuel? It happens. We pay to drain and flush your fuel tank, as well as cover the damage to the car's engine*

    *If you accidentally use E10 rather than E5 there’s no need to drain the tank, just fill with E5 next time.
  • European cover
    Get covered in the EU for up to 180 days a year at the same level as your UK cover. Perfecto! To tow abroad, you may need to apply for a Green Card.
  • Vandalism promise
    If your car is vandalised and you have to claim, you'll keep your no claim discount - you'll just need to pay your excess
  • Replacement child car seats
    We'll replace your child car seats if your car has been in an accident - even if there's no apparent damage
  • New locks and keys
    If your keys are lost or stolen. After all, accidents happen

Have an electric MINI? All this is included as standard...

  • Recovery to the nearest chargepoint 
    Run out of charge in the UK? We'll recover you to the nearest chargepoint. We also have a fleet of vehicles we use in partnership with AFF the national roadside electric vehicle charging assistance company, which can recharge your vehicle and get you on the road again. This won’t affect your NCD and there’s no excess to pay
  • Cover for charging cables
    Charging cables, wall boxes and adaptors are covered for accidental damage, fire and theft
  • Battery cover
    Battery cover for accidental damage, fire and theft – even if you’re leasing it separately from the car
  • Over the air monthly updates (OTA)
    OTA updates are covered as standard when you insure your electric vehicle with us, but if you or the previous owner paid for additional performance upgrades affecting speed or acceleration, we'll need to know. You'll only need to tell us once and not everytime you upgrade.

And if you choose our optional hire car cover:

  • We’ll provide the use of an electric or hybrid hire car if your green machine is off the road

Mini Safety features

Most newer MINIs have a number of beneficial safety features

Things like...

  • Autonomous Emergency Braking (AEB) is a smart safety system that automatically applies the car's brakes if the driver doesn't react quickly enough to a hazard ahead, the system can help avoid or mitigate potential collisions.
  • Dynamic Stability Control (DSC) - if you start to veer off course, DSC adjusts the engine torque and applies brake force to individual wheels where needed to help get the car back under control.
  • Runflat tyres have reinforced, heat resistant rubber side walls to keep their shape in the event of a puncture, preventing a blowout and allowing you to keep driving at speeds up to 50 MPH, so you can get home or to a place where you can get the tyre changed.
  • Dynamic brake lights - if you have to brake in an emergency, the dynamic brake lights will start to flash, alerting the vehicles behind you that you're braking hard. Your hazard warning lights then automatically activate.
  • Rear view cameras and Park Assist - the rear view camera adds helpful markings to the dashboard screen to help you park. Park Assist helps you find a space, then automatically guides your Mini into it - without you needing to touch the steering wheel.

Mini Electric insurance

So, where do MINI stand on electric cars? 

Here's the lowdown:


MINI offer two all-electric models - the MINI Cooper and the MINI Countryman

  • MINI Cooper
    The three-door Cooper has all the charm of previous generations. Despite only having three-doors, the four seats can be configured to create up to 800 litres of luggage space.

    Combined with a range of up to 250 miles and getting you to 60 mph in under 8 seconds, the MINI Cooper can be both practical and fun.
  • MINI Countryman
    For those who need a but more room, the five seat Countryman is also available. It even has a four-wheel drive version which will distribute power to whichever wheels need  it to compete with the road conditions.

So, are you ready to go electric?

We're always in top gear when it comes to car cover

Our awards and recognition

  • Given the prestigious Defaqto 5 Star Rating 
  • A Which? Recommended Provider for 10 years running
  • LV= car insurance rated 4.6 out of 5 based on 4.900 customer reviews independently verified by Feefo
    Correct as of 26 June 2024

Now sit back, relax and start your quote