MINI FINANCIAL SERVICES Protection Plans

MINI Financial Services offers Vehicle Service Contracts (VSC), Lease-End Protection, Guaranteed Auto Protection (GAP), Tire & Wheel Protection, Dent Protection, Windshield Protection, Key Protection, All Surface Protection, All Theft Protection, and the Multi-Coverage Protection Program. Contact your local MINI Dealer to find the right combination for your needs.

Yes, Vehicle Service Contracts (VSC) offers extended coverage for all new, pre-owned, and MINI Certified vehicles. VSC expands the coverage of your vehicle for up to seven years, or 100,000 miles. All repairs are completed with 100% Original MINI parts at an authorized repair facility. Drivers can select between two coverage levels: Platinum and Powertrain. 

You can purchase additional coverage through your local MINI Dealer or at myminiprotection.com.

While MINI does not offer to extend your warranty, we do offer Vehicle Service Contracts (VSC) that provide coverage for many components after the expiration of your New Vehicle Limited Warranty.

MINI Vehicle Service Contracts offer two coverage tiers: Platinum Coverage and Powertrain Coverage. 

Powertrain Coverage focuses on the engine, transmission, and drivetrain components and is also available for high-mileage vehicles.

Platinum Coverage protects most major components across the vehicle—including electronics, drivetrain, and systems specific to plug-in hybrid and electric vehicles—for new, pre-owned, and Certified Pre-Owned MINIs. 

All covered repairs are performed at an authorized MINI repair facility using genuine OEM new or remanufactured parts, unless unavailable; in which case parts of like kind and quality may be used.

The cost of a MINI Vehicle Service Contract (VSC) varies depending on your vehicle's model, age, mileage, and the level of coverage selected. MINI offers comprehensive Platinum Coverage and drivetrain-focused Powertrain Coverage options, with coverage available for up to 7 years or 100,000 miles. Purchasing a VSC at the time of your MINI purchase or lease typically provides the most favorable pricing. For a personalized quote, contact your local MINI Dealer.

For many MINI owners, a Vehicle Service Contract provides valuable peace of mind. A VSC guarantees that covered repairs are done at authorized MINI facilities with Genuine MINI Parts, maintaining your vehicle's quality. If you plan to keep your MINI beyond the 4-year/50,000-mile factory warranty, a VSC is worth serious consideration. Ask your MINI Dealer to walk you through coverage options and pricing.

MINI Financial Services partners with trusted insurance providers so you can compare personalized auto insurance quotes directly on miniusa.com. Simply enter a few details at motoringinsurance.miniusa.com to get customized quotes from multiple providers in one place.

MINI insurance costs vary significantly based on the model, location, and coverage level. MINI is generally considered a mainstream vehicle for insurance purposes—not a sports car—which helps moderate premiums. Use the quote tool at to compare providers for your specific MINI.

Yes, Lease-End Protection covers common excess wear charges—like a pitted windshield, door dings, and stains—and helps protect you from potential turn-in fees at the end of your lease. GAP coverage is also strongly recommended for leased vehicles.

MINI Financial Services requires lessees to carry comprehensive and collision coverage with a maximum deductible of $1,000, plus state-required liability minimums. MINI Financial Services (BMW Financial Services NA, LLC) must be listed as the loss payee and/or additional insured on your policy. GAP coverage is also strongly recommended for leased vehicles. Confirm specific requirements with your insurance provider.

MINI Guaranteed Auto Protection (GAP) covers the difference between what you owe on your loan or lease and the market value your primary insurer pays in the event of a total loss due to accident, theft, or natural disaster. Without GAP, you could owe money on a vehicle you no longer have. GAP is especially recommended for customers with little or no down payment, long loan terms, or who are leasing. It is also included in the Pre-Pay Lease Program.

Yes, Tire & Wheel Protection covers replacement of tires or wheels structurally damaged by road hazards such as potholes, nails, or glass. Optional Cosmetic Coverage is also available for cosmetic wheel repair.

Yes, MINI Windshield Protection covers the cost to repair your front windshield if it is chipped or cracked by rocks or other road debris. For questions about windshield repair or replacement, contact your local MINI Dealer or refer to your protection plan agreement.

Yes, Paintless Dent Repair provides coverage for the removal of door dings and minor dents while maintaining your MINI's original factory finish.

Yes, Key Protection provides replacement coverage and lock-out assistance if your keys are ever lost, damaged, or locked inside your vehicle—plus towing and a ride home if needed.

All Surface Protection keeps your MINI looking its best from the inside and out by protecting paint, fabric, leather, and vinyl. You'll be covered for scrapes, scratches, and smears on interior and exterior surfaces.

Yes, MINI All Theft Protection provides replacement coverage in the event of catalytic converter or vehicle theft for your new, leased, or used MINI.

Yes, the Multi-Coverage Protection Program allows you to build a customized suite of protection products that fits your lifestyle—selecting from Tire & Wheel, Dent, Windshield, Key, and other protection options individually or together.