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

BMW SHORTFALL (GAP) </br> INSURANCE.Providing you with financial<br>protection should your BMW<br>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.

    Read more


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

    Read more
    BMW iX driving through the city with BMW Shortfall Insurance

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

    Read more
    • Key Benefits
      • Cover available for 3 or 4 years
      • Available for BMW New and Approved Used vehicles
      • 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 90 days to purchase your policy after you have collected your BMW. Cover will start after you have purchased the policy
    • Policy Conditions
      • 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.


    Read more


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

    Read more


    In the unfortunate event that you need to make a claim, BMW Protect Services are available to assist you. Please refer to your policy wording document for full details of how to make a claim. 

    Read more
    BMW X3 covered with BMW car insurance


    Our BMW Car Insurance is a fully comprehensive insurance policy designed for your BMW with the same attention to detail given to the creation of a BMW.
    BMW 6 Series Gran Turismo with tyre damage insurance


    Our BMW Tyre Damage Insurance, covering tyre damage repair costs so your BMW is ready for the road.
    BMW M4 Competition Coupé covered with BMW contract hire shortfall insurance


    Our BMW Contract Hire Shortfall Insurance helps protect you from losing out financially if your BMW is written off or stolen and you have a Contract Hire agreement.
    BMW car covered by BMW Cosmetic Repair Insurance


    Our BMW Cosmetic Repair Insurance, covering repair costs of minor damage so your BMW leaves a lasting impression.
    BMW X1 bought with finance


    It could be more affordable than you think.

    Terms and conditions

    • BMW Shortfall 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, Firm Reference Number 711212. Their registered office is at Lake House, 2 Port Way, Port Solent, Portsmouth, United Kingdom, PO6 4TY.

      This insurance is underwritten by Fortegra Europe Insurance Company SE UK Branch, a branch of Fortegra Europe Insurance Company SE (Financial Conduct Authority registration number 805770). Fortegra Europe Insurance Company SE has its registered office and principal place of business at Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta (Malta Company registration number C 84703), is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business of insurance, and is regulated by the Malta Financial Services Authority of Triq l-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta.

      BMW Insurance Solutions is a trading name of BMW Financial Services (GB) Limited, which is authorised and regulated by the Financial Conduct Authority, reference number 312578, registered office: Summit ONE, Summit Avenue, Farnborough, Hampshire, GU14 0FB. BMW Financial Services (GB) Limited and GardX Assure Limited are not part of the same corporate group.