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BMW PROTECT:
BMW SHORTFALL INSURANCE.

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

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.

View policy handbook


Key benefits:

  • Cover available for 2, 3 or 4 years.
  • Additional limited cover (only for your finance agreement) between the end of your BMW Shortfall Insurance policy and up to the end of year 5, where your vehicle is financed for longer than the duration of the policy (Available for 3 and 4 year BMW Shortfall Insurance policies only)
  • 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. The cover will start after policy purchase


Please note you must not accept your motor insurer’s settlement figure until you have contacted our claims department. If you accept your motor insurers write off valuation without our agreement then any BMW Shortfall Insurance claim may be calculated and settled based on our assessment of the market value of the vehicle at the time of write off.

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.

Get a quote.

To get a quote, please contact your participating local approved BMW Retailer or call BMW Protect Services for more information on 0330 400 1514.

BMW Protect Services lines are open Monday to Friday, 9am - 5pm.


Need to make a claim?

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.

BMW Shortfall Insurance is administered by Abraxas Insurance Administration Services Limited, registered in England and Wales with company number 02928787 and its registered office is at One Victoria Street, Bristol Bridge, Bristol, BS1 6AA. Abraxas Insurance Administration Services Limited is authorised and regulated by the Financial Conduct Authority. The Insurance is underwritten by MAPFRE Asistencia Compania Internacional de Seguros y Reaseguros S.A. Dixon House, 72-75 Fenchurch Street, London, EC3M 4BR. Company Number: FC021974. Branch Number BR008042. MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros S.A. is authorised by Direccion General de Seguros y Fondos De Pensiones and is subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and the Prudential Regulation Authority are available on request.

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