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    4.9 out of 5 based on 6068 reviews

  • Victoria Richardson

    Website was clear about which product was suitable for my requirements. 

    Policy: Finance/Contract Hire

    5

  • Phil Bartle

    Simple and easy to find out what I wanted.

    Policy: Vehicle Replacement +

    5

  • Dawn Roberts

    Very good saving against dealer price. Thank you for saving me so much money.

    Policy: Return to Invoice +

    5

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Direct Gap; : Rated 4.95; out of 5 based on 6068 testimonials

Monthly Payments Available

  • Available on Gap Insurance Policies
  • Pay in 12 monthly instalments

Call our payments team on
01422 756100 to find out more

Save over 75% Off BMW Dealer Prices On Gap Insurance!

Available on all models of BMW cars, check out the comprehensive list below for your BMW model.

Free quote and instant on-line cover available now.

BMW Gap Insurance By Direct Gap

Are you lucky enough to be considering the purchase of a new BMW? Direct Gap Insurance specialises in providing the best gap insurance cover at prices in some cases if less than 75% cheaper than the dealers quotation.

Worried the cover is not the same as the dealers?

Don't worry. If your car dealer quoted you thousands for your car insurance cover you would run a mile and compare prices. Why should gap insurance be any different? It shouldn't.

Why Direct Gap Insurance?

We only deal with major insurers that are fully FSA registered. There will be no difference between any policy offered by us and the dealer. The only major difference will be the price. In some cases we have had customers quoted £500 by BMW dealers only to find the same gap insurance with us for less than half the price with the same insurance company.

There are two reasons the dealer is so much more expensive than a specialised broker for the product. Firstly all insurance policies incur IPT (Insurance Premium Tax). This is the amount that is paid to the government on any insurance policy that you buy. This is the same for home contents and general car insurance. The dealer is taxed at a rate of 20% on the sale of the policy. A broker is only charged at the lower rate of 6%. This immediately gives us a saving of 14% that can be passed on to you the purchaser. Secondly there is the level of commission that a dealer makes from a policy. Typically this product is the second biggest profit centre for any dealership after the sale of the vehicle. It's not rocket science! One policy costs £100 and the dealer for the same policy is £400. That's a lot of commission to earn.

As an industry first we now provide gap insurance with policy terms of up to five years on new and used BMW cars. There are no mileage restrictions. All we ask is that the vehicle is under ten years old when you purchase the policy. Combine this with the fact all policies provide a £250 excess cover in the event of total loss. You can even transfer your policy if you decide to change the vehicle early.

We only deal with major insurers that are fully FSA registered. There will be no difference between any gap insurance policy offered by us and the dealer. The only major difference will be the price. In some cases we have read testimonials where customers have been quoted £500 by BMW dealers only to find the same gap insurance with us for less than half the price.

The great thing with buying cover independently is that you get advice directly from the insurer. Rather than sales staff at a car dealers who are not specialists. In most cases the dealer only has only one insurance product to offer you, which is generally a 3 year offering, only covering the purchase price of the car. Probably not the best advice if you have a five year finance agreement.

The dealer product although it may be branded in a brochure with a BMW on the front will probably not even be a BMW insurance product. Most dealers shop around each year and look for the cheapest offering then produce fancy marketing material which you end up paying for. At the end of the day the name on the insurance policy is probably the last important item, as all insurers and their agents have to be by law registered with the Financial Conduct Authority. This means that you the consumer are then covered by the financial services compensation scheme in the very unlikely event the insurer fails.

Most vehicles can be covered provided the cover is purchased within 180 days of ownership of the vehicle. Claim limits vary between £5,000 & £25,000.

If in doubt call one of our advisors now on 0800 012 2400.

We cover all BMW vehicles:

BMW Car | New BMW 1 Series | New BMW 1 Series Convertible | New BMW 1 Series Coupe | New BMW 3 Series | New BMW 3 Series Coupe | New BMW 3 Series Touring | New BMW 3 Series Cabriolet | New BMW 5 Series | New BMW 5 Series Touring | New BMW 6 Series Convertible | New BMW 6 Series Coupe | New BMW 7 Series | New BMW M3 | New BMW M5 | New BMW M6 | New BMW X1 | New BMW X3 | New BMW X5 | New BMW X6 | New BMW Z4 Roadster | New BMW Z4 Coupe | New BMW Z4 M

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