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 the suite of BMW Protect products is BMW Shortfall Insurance, created to protect your finances should your vehicle be written off due to an accident, theft or fire.
BMW Shortfall Insurance is designed to bridge the gap between the motor insurance settlement and either the amount you paid for your vehicle, or the outstanding amount due under your finance agreement if your vehicle is declared a total loss, whichever is the higher amount. BMW Shortfall Insurance covers you against losing out in these unsettling situations.
Terms, conditions and exclusions apply. This website only provides a summary of the cover provided by BMW Shortfall Insurance and does not include the full terms, conditions and limits of cover. Please refer to the policy 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.