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

Within this suite of BMW Protect products is BMW Contract Hire Shortfall (GAP) Insurance, ensuring you’re not out of pocket if your BMW is written off due to an accident, theft or fire. BMW Contract Hire Shortfall (GAP) Insurance is designed to cover the early termination charges at the time of loss on the contract hire/lease hire agreement. BMW Contract Hire Shortfall Insurance covers you against losing out in these tricky situations.

For more information please download our brochure or contact us.

View our brochure


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
  • Available for new BMW 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 60 days to purchase your policy after you have collected your BMW. Cover will start after you have purchased the policy


  • If there is any amount still owing on the contract hire agreement after your claim has been settled, it is your responsibility to ensure that settlement of this amount is made.
  • Cover only applicable if a claim under the motor insurance policy is paid.
  • The insurance cover will be capped at a maximum amount. Therefore the amount paid out under the BMW Contract Hire Shortfall Insurance might be lower than the early termination charges at the time of loss on the contract hire/lease hire agreement.

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. Please refer to your policy wording document for full details of how to make a claim.