Providing you with financial protection should your BMW be written off or stolen.

Within our suite of BMW Protect products is BMW Shortfall (Gap) Insurance, ensuring you’re not out of pocket if your BMW is written off due to an accident, theft or fire.

BMW Shortfall (Gap) Insurance is designed to bridge the gap between the motor insurance settlement and either the amount you paid for your BMW, or the outstanding amount due under your finance agreement if your BMW is declared a total loss, whichever is the higher amount. BMW Shortfall Insurance covers you against losing out in these tricky situations.

For more information please download our brochure or contact us.


Our short film gives you an overview of our Insurance product and it's key benefits.

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

View brochure


  • Cover available for 2, 3 or 4 years
  • 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)
  • Cover for accessories listed on the original purchase invoice for the insured vehicle that are present at the date of loss
  • 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


The insurance cover will be capped at a maximum amount. Therefore the amount paid out under the BMW Shortfall Insurance might be lower than the gap between the motor insurance settlement and either the amount you paid for the insured vehicle or the early finance settlement balance

  • Cover only applicable if a claim under your motor insurance policy is paid
  • Cover for finance agreements does not include Contract Hire

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 wording document.


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 between 1 April 2018 and 31 December 2020, please call 0330 400 1514.

If you purchased your policy on or after the 1 January 2021, please refer to the policy wording document for full details of how to make a claim.