" " BMW Dealer | Wakefield & Huddersfield, West Yorkshire | Sandal Motor Group BMW


BMW Shortfall Insurance is 5 Star Defaqto rated and provides one of the highest quality offerings in the market

When you truly love your BMW, you want to protect it in the best way. That’s why we created BMW Protect, our comprehensive range of insurance products designed to help maintain that sheer driving pleasure, whilst protecting you from damage costs.

Within this suite of BMW Protect products is BMW Contract Hire Shortfall Insurance, providing you with financial protection should your BMW be written off or stolen.

BMW Contract Hire Shortfall Insurance is designed to bridge the gap between the motor insurance settlement and the outstanding balance payable by you to your contract hire or leasing company. BMW Contract Hire Shortfall Insurance covers you against losing out in these unsettling situations.

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Download policy handbook

Key Benefits

  • Available for contract hire agreements up to 60 months
  • The insurance could pay up to £500 to cover any excess you have as part of your motor insurance claim
  • Pay for your policy upfront or in 12 monthly payments (at no extra cost)
  • You have up to 60 days to purchase your policy after you have collected your BMW. Cover will start after you have purchased the policy

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 BMW Contract Hire Shortfall Insurance claim may be calculated and settled based on our assessment of the market value of the vehicle at the time of write off.

Terms, conditions and website only provides a summary of the cover provided by BMW Contract Hire Shortfall Insurance and does not include the full terms, conditions and limits of cover. Please refer to the policy wording document.


Contact your participating local approved BMW Retailer and get your quote today.
For full terms and conditions of this product, view the policy wording document available online here >> or by calling BMW Protect Services on 0330 400 1514.

BMW Protect Services lines are open Monday to Friday 9.00am-5.30pm.


In the unfortunate event that you need to make a claim, BMW Protect Services are available to assist you. If you purchased your policy before 1 April 2018, please call 0345 641 9735. If you purchased your policy on or after the 1 April 2018, please refer to the policy document for full details of how to make a claim.

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