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For full terms and conditions of this product, see the policy wording document available below.

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 our BMW Cosmetic Repair Insurance, developed to protect the beauty and finish of your vehicle, covering the costs for repairing minor cosmetic damages or providing a contribution if it cannot be repaired so your BMW leaves a lasting impression.

For more information please download our brochure or contact us.

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View our Interactive Insurance  Brochure which gives you an overview of all products included in the Insurance Solutions range.  

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  • Cover available for 3 years
  • Available for BMW New and Approved Used vehicles
  • Repairs can be carried out at your local BMW Retailer or by our mobile repairer network.
  • Lifetime ownership guarantee on cosmetic repairs carried out by our approved repairer.
  • 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.
  • Up to £250 contribution towards a body shop repair for damage that falls within the size parameters but cannot be cosmetically repaired


  • Cover for the cost of cosmetic repair for accidental or malicious minor cosmetic damage to the bodywork up to the cover limit.
  • Excludes damage where paint is cracked or flaked, and any pre-existing damage.
  • Excludes specialist bodywork finish.
  • The policy does not cover vehicles on Contract Hire.
  • Cover in the United Kingdom and Europe. Repairs can only be carried out in the UK.


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

Your BMW Protect Insurance Claims App is here to make registering a claim simple, quick and easy for your BMW Cosmetic Repair and Tyre Damage Insurance policies. The app is available 24/7 allowing you convenient access to register your claim and also the ability to view your policy documents for all your BMW Protect Insurance products.
To login to the app you need to enter your surname and vehicle registration, the app will then send an SMS with a verification code to your mobile to confirm it’s you.
Registering a claim couldn’t be easier, our app guides you through the process, providing clear and simple instructions to register a claim. Select your policy type, enter the claim details, upload pictures and our claims team will then review your claim the next working day. The team will either contact you directly or begin processing your claim if it’s accepted and notify you via email.
Download our Claims app by searching for ‘BMW Protect Insurance Claims’ on the Apple or Android store.