BMW GAP Insurance

That kidney grille looks cooool on the driveway, but depreciation? Not so cool. BMW GAP insurance makes sure a write-off doesn’t take the shine off your wallet.

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Our Gap Insurance Benefits

Worry less: protect finances against depreciation pitfalls
Stay calm: we handle your car gap insurance needs
Get paid quickly, skip painful financial surprises
Tailored protection ensures every ride remains worry-free

BMW X5 driving on an English road in sunny weahter

BMW is built on driving pleasure

If the worst happens, BMW GAP insurance makes sure that pleasure isn’t cut short by a brutally short payout. From the nippy 1 Series to the mighty M5, each model blends engineering precision with unmistakable style.

But even BMW’s finest models can’t outrun depreciation as the value slides as soon as it leaves the forecourt. Bagging that BMW shortfall insurance is vital to keep your wallet steady as a rock.

The BMW style is attractive to all car enthusiasts, which is probably why BMWs remain high on the thieves’ hit list. It’s worth taking extra steps to protect against heartbreak. BMW GAP insurance makes sure your wallet doesn’t suffer the same fate as your car’s value.

Why choose BMW GAP insurance with Insureworks

Don’t get caught out: A written off or stolen BMW can echo louder in your bank account than it does on the tarmac. The quicker you get it in place, the sooner you’re protected against depreciation.
New and used: Whether you’ve just driven away in a brand-new M4 or picked up a second-hand bargain, BMW shortfall insurance has you covered. Leasing instead? We’ve got you sorted with BMW lease GAP insurance.
Don’t lose to thieves: BMW GAP insurance makes sure the only thing disappearing is the car, not your cash. Don’t lose out to them entirely by securing the extra protection.
Fast pace: Get a quote online without the confusing jargon. No fuss and a stress-free process.

How BMW Gap Insurance works

1. Your BMW is written off or stolen.
2. Your motor insurer pays the market value.
3. BMW GAP coverage tops this up to the agreed level, so you’re not left out of pocket.
4. Hit the road again!

Our Gap Insurance Expert

Nick Rinylo

We’ve poured our hearts into creating a selection of car Gap Insurance providers that offer transparent, tech-driven, and family-focused cover. We’re here to protect your finances and your peace of mind.

Silver Porsche Taycan Cross Turismo parked on an open road under daylight.

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Gap Insurance FAQs

We know you might have questions, so here are the top four we get asked most often:

Yes, BMW GAP insurance is highly recommended if you are leasing the car. Your shiny new BMW will lose value as soon as you spark it up. If it’s written off or stolen, you could be left paying the outstanding lease costs. That essentially means you have hefty monthly payments for absolutely nothing.

BMW GAP insurance covers the difference between the main car insurance payout and the outstanding cost (purchase price or the outstanding finance) of your BMW if it is written off or stolen.

The best time to set up BMW GAP insurance is as soon as you buy or lease your car. Don’t leave it lying on your to-do list because the sooner you are protected, the better. Some deals may also include a deadline.

All BMW models are eligible for GAP insurance. We’ve got you covered, whether you’ve opted for the everyday 1 Series and 3 Series or SUVs like the X3, X5 and X7. We also cover the performance icons, such as the M Series and hybrid i models.

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