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 this suite of BMW Protect products is BMW Shortfall Insurance, providing you with financial protection should your BMW be written off or stolen. BMW Shortfall 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 unsettling situations.


  • 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 €600 to cover any excess you have as part of your motor insurance claim
  • 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.

For any enquiries about our shortfall insurance, please get in touch or fill out the Contact Form.

In order to provide you with information relating to your query, we have to collect some personal data about you and your vehicle. By clicking submit on a contact form, you are providing us with your consent to process this information.

Terms and Conditions

BMW Tyre Insurance is underwritten and administered by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAPFRE ASSISTANCE Agency Ireland, which is authorised by Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.

BMW Financial Services (Ireland) DAC, trading as BMW Financial Services is regulated by the Central Bank of Ireland.

Frank Keane BMW receives commission from MAPFRE ASSISTANCE Agency Ireland at a rate of up to 43% for each BMW Group Insurance Product policy sold. This amount is included in the premium with sales commission received by Frank Keane BMW for arranging the sale of the insurance product to you.