Covering repair costs of minor damage so your BMW leaves a lasting impression.

BMW COSMETIC REPAIR INSURANCE.Covering repair costs of minor damage so your BMW leaves a lasting impression.

    BMW Cosmetic Repair Insurance is Defaqto 5 Star 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 our Defaqto 5 Star rated BMW Cosmetic Repair Insurance, developed to protect the beauty and finish of your vehicle, covering the costs for repairing minor cosmetic damages or providing a contribution if it cannot be repaired so your BMW leaves a lasting impression.

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    • Key Benefits
      • Cover available for 2 or 3 years
      • Available for new and Approved Used BMWs up to 7 years old at the start of the policy
      • Repairs can be carried out at your local BMW Retailer or by our mobile repairer network
      • Pay for your policy upfront or in 12 monthly payments (at no extra cost)
      • Lifetime ownership guarantee on cosmetic repairs carried out by our approved repairer
      • 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.
      • Up to £250 contribution towards a body shop repair for damage that falls within the size parameters but cannot be cosmetically repaired
    • Policy Conditions
      • Cover for the cost of cosmetic repair for accidental or malicious minor cosmetic damage to the bodywork up to the cover limit
      • Excludes damage where paint is cracked or flaked, and any pre-existing damage
      • Excludes specialist bodywork finish
      • The policy does not cover vehicles on Contract Hire
      • Cover in the United Kingdom and Europe. Repairs can only be carried out in the UK

    Terms, conditions and exclusions apply. This website only provides a summary of the cover provided by BMW Cosmetic Repair Insurance and does not include the full terms, conditions and limits of cover. Please refer to the policy wording document.


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    Contact your participating local approved BMW Retailer and get your quote today. For full terms and conditions of this product, see the policy wording document available online at

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    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.

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    Terms and conditions

    • BMW Cosmetic Repair Insurance is administered by GardX Assure Limited who are registered in England under company Registration Number 9339557 and is authorised and regulated by the Financial Conduct Authority, Registration Number 711212. Their registered office is at Unit 7, Clovelly Business Park, Clovelly Road, Southbourne, Emsworth, United Kingdom, PO10 8PE.
    • This insurance is underwritten by Helvetia Swiss Insurance Company in Liechtenstein Ltd. Registered Office: Aeulestrasse 60 (2. Stock) 9490 Vaduz, Liechtenstein. The Insurer is authorised and regulated by the Liechtenstein Financial Market Authority and is deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.