My payment is due before I receive my monthly salary. Can I change my payment date to coincide with my pay?

We're happy to change your payment date for a maximum of 15 days either forwards or backwards for no extra charge. Should you wish to move your payments further than this 15 day allowance an interest charge will be payable. Please note this does not apply to BMW Contract Hire agreements.

Is it possible to change the terms of my agreement?

We understand that during your agreement, your circumstances may change.

For example, you may want to increase the amount you pay each month or have a lump sum that you'd like to pay into your agreement. You might even wish to change the mileage agreed at the start of the agreement.

Whatever the change, please contact a member of our Customer Services Team for assistance.

My car has been written off or stolen and I am waiting for the money from the insurance company. Should I stop my payments?

You must continue making your monthly payments or rentals until the matter has been resolved with your insurance company, but please ensure that our Customer Services Team is notified as soon as possible after the theft or accident.

Please note that if the amount paid by your insurance company is insufficient to meet the settlement figure on your agreement, you'll be required to meet the difference between the insurance company settlement figure, and the amount due to us in settlement of your agreement. If however, you've taken out BMW Protect Insurance and paid all the premiums relating to this, this insurance cover will meet the difference between the insurance company settlement and the amount due to BMW Financial Services to settle your agreement.

I would like someone else to be able to contact BMW Financial Services on my behalf.

The Data Protection Act only permits us to speak to the customer named on the agreement. You can, however, nominate another person with whom we may discuss your agreement's details. To do this, you must give us written permission together with a password in order that we can check their identity.

Can I take my car abroad on holiday?

Subject to your motor insurer's terms and conditions, you may take your car to any country within the EU for a continuous stay of 30 days or less, and not more than 60 days (in total) in any calendar year.

I've taken out BMW Protect or BMW Shortfall Insurance with my agreement and need to make a claim. What do I do?

You'll find information on how to make a claim in your certificate of insurance. For more information, you can contact St Andrew's Life Assurance plc and St Andrew's Insurance plc on 0845 850 0135.

I want to keep my car but cannot pay the full final balloon. Can I refinance this?

We may be able to look at refinancing this final balloon payment for you (subject to underwriting criteria being met). Please contact our Customer Services Team who will be able to help.

Can I have a payment holiday?

We must receive regular monthly payments or rentals as outlined in your agreement and for this reason we don't operate a payment holiday policy. If you're struggling to meet your financial commitment, please contact our Customer Services Team to discuss these payment difficulties and reach a mutually agreeable solution.

Can I transfer my agreement into my spouse's/partner's name?

If your agreement is regulated by the Consumer Credit Act, it is not possible to transfer your agreement to someone else even if they are your spouse or partner.

Can I extend my agreement?

If you're waiting for the delivery of a new car or need an extension to your original agreement while you're looking into selling your BMW, we may be able to extend your agreement up to a maximum of six months. This is only appropriate to balloon/final payment products or BMW Contract Hire. To obtain a quotation please send your request in writing to our Customer Services Team. Please note there may be an additional charge for this.