Helping to protect you from losing out financially if your motorcycle is written off or stolen. Watch this video on BMW Motorrad Shortfall Insurance to find out more.

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  • Cover for 3 or 4 years
  • Available for BMW New and Approved Used Bikes
  • 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 90 days to purchase your policy after you have collected your BMW Motorrad. Cover will start after you have purchased the policy


  • The insurance cover will be capped at the amount shown on your certificate of insurance. Therefore, the amount paid out under the BMW Motorrad Shortfall Insurance might be lower than the gap between the motor insurance settlement and either the amount you paid for the insured vehicle or the early finance settlement balance
  • Cover only applicable if a claim under your motor insurance policy is paid
  • Cover for finance agreements does not include Contract Hire

Terms, conditions and exclusions apply. This website only provides a summary of the cover provided by BMW Motorrad Shortfall Insurance and does not include the full terms, conditions and limits of cover. Please refer to the policy document below.


In the unfortunate event that you need to make a claim, BMW Motorrad Protect Services are available to assist you. Please refer to the policy wording document for full details of how to make a claim.

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Terms & Conditions

Terms, conditions and exclusions apply.

BMW Motorrad Shortfall Insurance and BMW Motorrad Tyre Damage Insurance are administered by GardX Assure Limited who are registered in England under company Registration Number 9339557 and is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 711212. Their registered office is at Lake House, 2 Port Way, Port Solent, Portsmouth, United Kingdom,  PO6 4TY. 

This insurance is underwritten by Fortegra Europe Insurance Company SE UK Branch, a branch of Fortegra Europe Insurance Company SE (Financial Conduct Authority registration number 805770). Fortegra Europe Insurance Company has its registered office and principal place of business at Office 13, SOHO Office The Strand, Fawwara Building, Triq I-Imsida, Gzira, GZR 1401, Malta (Malta Company registration number C 84703), is authorised under the Insurance Business Act 1998 of the laws of Malta to carry out general business of insurance, and is regulated by the Malta Financial Services Authority of Triq I-Imdina, Zone 1, Central Business District, Birkirkara, CBD 1010, Malta.

BMW Motorrad Insurance Solutions is a trading name of BMW Financial Services (GB) Ltd. which is authorised and regulated by the Financial Conduct Authority, reference number 312578, registered office: Summit ONE, Summit Avenue, Farnborough, Hampshire, GU14 0FB. BMW Financial Services (GB) Limited and AWP P&C SA are not part of the same corporate group.

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