BMW Motorrad Shortfall


If your BMW motorcycle is declared a total loss by your motorcycle insurer, we'll pay:

  • the difference between your motorcycle insurance settlement and the invoice price you paid for your motorcycle or,

  • the difference between your outstanding finance amount* and your motorcycle insurance settlement, whichever is greater, up to the level of cover you choose.


  • Immediate cover for new and used motorcycles, with no mileage limit.
  • Cover levels of £5,000, £10,000 and £15,000 are available.
  • We provide cover for 2, 3 or 4 years.
  • You can pay for your policy either in one payment or 12 monthly instalments (at no extra cost).
  • If your motorcycle insurer provides a replacement motorcycle, following a write-off in the first 12 months, we'll transfer the cover that's left on your BMW Motorrad Shortfall insurance to the replacement motorcycle, at no extra cost.
  • We'll also pay up to £500** to cover any excess you have to pay as part of this motorcycle insurance claim.
  • We also cover up to £2,000 worth of dealer fitted options.
  • If you need to make a claim our experienced BMW Motorrad Protect Services team will be on hand to guide you through the claims process.

*The outstanding finance amount is the amount needed to settle a hire purchase, lease purchase, personal contract purchase or finance lease agreement between you and the finance company relating to the insured vehicle.** This amount reduces to £250 in future years.

For more information, contact your local Approved BMW Motorrad Dealer.

If you need further assistance you can call BMW Motorrad Protect Services on 0845 641 9734.

Lines are open Monday to Friday 9am to 6pm.

BMW Select Finance