BMW Protect

BMW Shortfall

Protects you from losing out financially when your car is written off or stolen

Have you thought about what would happen if your car was written off, for example, due to a third party, a fire or theft? In these circumstances you often end up being worse off financially, because your insurer is unlikely to give you back the price you paid for your car.

Also, if you bought your car using finance, your insurance pay out may not be enough to cover the balance you owe your finance company. In these difficult situations, BMW Shortfall offers you protection against losing out financially.

BMW Shortfall offers cover in the following ways:

It pays the difference between the original invoice price you paid for your car and the amount you receive following your comprehensive motor insurance settlement, up to the level of cover you choose.
If you purchased your car using finance, BMW Shortfall will pay the difference between your motor insurance payout and the amount you owe your finance company to pay off the loan, up to the level of cover you choose.
Motor insurers will generally pay you the market value of your car at the time it is written off. As BMW Shortfall pays you the original invoice price, you are covered for any change in value, no matter how old you car is (including any depreciation), up to the level of cover you choose.

Further benefits of BMW Shortfall

Immediate cover for new and used cars, with no mileage limit.
Policies can be taken out up to 120 days after the delivery date of your vehicle.
You can tailor the level of cover to suit you. Cover levels of £10,000, £15,000, £20,000 and £30,000 are available, up to a maximum of 100% of the original invoice price of your car.
We can provide cover for 2, 3 or 4 years, allowing you to choose how long you would like cover for.
You can pay for your policy either in one payment or 12 monthly instalments (at no extra cost), whichever you prefer.
If your car is written off or stolen (and not recovered) in the first 12 months and you make a claim under the 'new for old' replacement car benefit of your car insurance policy, the remaining term of your Shortfall policy will be transferred to your new car.
We also cover up to £2000 worth of dealer fitted options.
In the event of a total loss, our experienced BMW Protect team will be on hand to guide you through the claims process.

With cover that gives you this much peace of mind, and from a name you can rely on, why not contact your local BMW dealer and request a BMW Shortfall quote today?

To find out further information about BMW Shortfall, please do not hesitate to contact your local BMW dealership or call BMW Protect Services on 0845 641 9732.

BMW Protect Services lines are open Monday to Friday 9am-6pm.