BMW 4 Series Gap Insurance
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With coupe styling, typical BMW driving excitement and loads of practicality, the BMW 4 Series is one of the most welcome introductions into British motoring in recent years. Despite its greatness, the 4 Series, like most cars, will still lose significant value over its lifetime, thanks to depreciation.
If your 4 Series is declared a total loss, your insurer will only pay out the value of the car at the time, not the amount you paid or still have outstanding on finance. Often, that difference could be thousands of pounds.
With specialist BMW 4 Series Gap Insurance from Direct Gap, you're protected against that shortfall. We'll pay the difference between your final settlement figure and the amount outstanding, so you don't have to.
Get a 5* Feefo-rated Gap Insurance quote online today and join thousands of happy customers driving with total peace of mind.
Why choose Direct Gap to protect your BMW?
What is BMW Gap Insurance?
BMW gap insurance will pay for the difference between your car's current market value and its purchase price if you make a claim in the event that it is written off or declared a total loss. If that were to happen, you could be left thousands of pounds out of pocket, so BMW gap insurance from Direct Gap offers a priceless level of added protection, with policies available for between 1-5 years.
For further information, check out our detailed guide to gap insurance.
Get a BMW Gap Insurance quote today.
How does BMW Gap Insurance work?
With prices for the 4 Series ranging between £45,000 and £62,000 and a usual depreciation level of 50%, in just three years, you could be looking at a value loss of up to £31,000 on yours. If your car is written off, your insurer will only pay the current market value, which could be much less than the amount you paid or still owe.
With a car being declared a total loss every 90 seconds in the UK, it’s no surprise that a growing number of drivers are choosing to protect themselves with Direct Gap.
Our tailored BMW Gap Insurance pays the difference between your settlement figure and the amount you still owe. Is it time to protect yourself with Direct Gap?
Get a BMW Gap Insurance quote today.
BMW Gap Insurance Reviews
We’re rated 4.9 out of 5 across Trustpilot, Feefo and Google, based on more than 14,000 reviews.
Additional cover for your BMW 4 Series
It’s not only BMW 4 Series Gap Insurance that we offer. We can also provide protection for specific elements of your pride and joy, such as the bodywork, tyres and wheels.
BMW Gap Insurance Calculator
Only £ would be covered by your comprehensive car insurance leaving a gap of £.
BMW: FAQs, Statistics & General Information
BMW General Information
BMW is the leading premium car brand in the UK and the second largest manufacturer overall, with a market share of around 5.8% to 6%.
Thanks to models like the ever-popular BMW 3 Series, they remain the leaders in luxury, ahead of Mercedes and Audi. In recent years, they've seen a shift towards EV models, with 1 in 4 BMWs now sold incorporating some sort of electric.
BMW Models
BMW offers a range of models, including petrol, diesel, hybrid and fully electric variants.
Their range includes the i, 1, 2, 3, 4, 5, 7 and 8 models, which are 'traditional' cars, with a further 'X' range offering crossover and SUV options. As well as this, BMW also has a 'Z' range, which typically encompasses their sports cars.
Over the years, popular models have included the 3 Series, a forerunner in the saloon market, as well as the 1 and 5 Series, offering hatchback and luxury cruiser options, respectively.
BMW Depreciation
Despite their reputation as one of the UK's leading premium brands, like most manufacturers, BMWs will suffer depreciation.
Typical deprecation levels are around 35% in three years. M2 models depreciate at a faster rate, losing between 40-50% in three to five years.
Try our free Car Depreciation Calculator for more information on model-specific depreciation and to estimate the value your BMW could lose.
BMW Gap Insurance Payout Examples
BMW 2 Series
Our customer purchased a BMW 218D for £9,290. Unfortunately, it was quickly written off, and their motor insurer paid out £9,640. Their gap insurance policy paid a difference of £1,000.
BMW 320 D
Our BMW gap insurance policy paid out £4,558 to a customer who initially bought their BMW 320D for £20,000. Following a total loss, their motor insurer offered a settlement figure of just £15,442; we covered the difference.
BMW 118
Our customer bought a BMW 1 Series for £30,482. It depreciated by 18%, meaning their insurer paid out £25,034.
Their BMW gap insurance policy covered the shortfall: £4,948.
BMW Theft Statistics
Unfortunately, BMW is a popular target for thieves, with the brand often topping 'Most Stolen' lists and consistently being the second most stolen manufacturer on the market (behind Ford).
In 2025, over 5000 BMWs were stolen in the UK. The 3 Series, in particular, is a common target, with 1207 stolen in the UK in 2024 alone.
What Types Of Gap Insurance Are Suitable For BMW
There are three common types of GAP Insurance available for most cars, including BMW, which is most suitable, typically depends on your finance type, car ownership status and individual cover needs.
The main types of BMW Gap Insurance we provide are:
- Lease & Contract Hire Gap Insurance: Lease & Contract Hire Gap Insurance pays the difference between your motor insurance settlement figure and the amount outstanding on your lease finance balance. This policy is suitable for lease or 'PCH' cars only.
- Return To Invoice Gap Insurance: Return To Invoice, or 'RTI' as it's also known, pays the difference between your motor insurance settlement figure and the original invoice price of your vehicle.
- Vehicle Replacement: Vehicle Replacement Insurance, or 'VRI' covers the difference between your motor insurance settlement and the cost of replacing your vehicle.