INSURANCE.

Protect your most valuable asset with an insurance solution from BMW Financial Services.

Receive wide cover for business and private use.

BMW Comprehensive Cover provides the same total protection and peace of mind that your BMW does. You may apply for this policy if your BMW is fitted with the advanced electronic anti-theft (EWSII and upwards) system.

Customers who choose this plan will enjoy the benefits listed below:

  • Replacement in the event of total loss
  • No tracking system required
  • Automatic car hire available following theft, hijacking or accidental damage to the vehicle
  • Repairs conducted by an Approved Repair Centre
  • Covers clients outside the borders of South Africa (refer to territorial limits in the policy wording)
  • Emergency Medical Support
  • Roadside Assistance
  • Accident Management Services
  • Driver Service

  • Click here to download claim forms and brochures.


    Contact Details:
    BMW Comprehensive and Dynamik Cover:
    Telephone number: 0860 100 269
    E-mail: BMW.Comp@bmwfinance.co.za
    Theft or Hijack:
    Telephone number: 011 541 7545

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.

    Designed to perform to the same high standard that all BMW drivers are accustomed to, BMW Dynamik Cover offers the widest coverage with the least exclusions.

    High net worth customers with an exclusive lifestyle and many accumulated assets will benefit from this product. You will receive personal assistance to take care of the details – leaving you free to attend to more important matters.

    Customers will have access to a suite of benefits:

    • Personal Accident and All Risk: worldwide cover
    • Up to R20 000 000 personal liability cover
    • Accidental Damage included in comprehensive Buildings cover
    • Small Craft: ski-boats, jet-skis, inflatables, dinghies, catamarans, yachts and windsurfers
    • Identity Theft Cover included
    • Upgrading of security systems following a break-in
      • No excess for drivers over the age of 55 this is only applicable to Dynamik and not Comprehensive
      • Emergency Medical Support
      • Roadside Assistance
      • Accident Management Services
      • Driver Service
  • Click here to download claim forms and brochures.


    Contact Details: BMW Comprehensive and Dynamik Cover:
    Telephone number: 0860 100 269
    E-mail: BMW.Comp@bmwfinance.co.za
    Theft or Hijack:
    Telephone number: 011 541 7545

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.

    Choose from three options that provide cover in the event of death, disability, critical illness and retrenchment or hospitalisation.

    Option 1

    Death and Total Disability Cover.

    Option 2

    Death, Total Disability Cover, Critical Illness, Retrenchment or Hospitalisation.

    Option 3

    Help-U-Pay: financial aid to carry you through when unforeseen events happen.

  • Click here to download claim forms and brochures.


    Contact Details:

    Telephone number: 0860 100 269
    E-mail: VAPS.BMW@BMWfinance.co.za

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.

    Ensure nothing interrupts your journey, with insurance that is engineered to protect you from finance house settlement shortfalls.

    If your car is stolen or written off, we’ll settle the difference between your comprehensive insurance payout and the amount owing on your finance agreement. (Excess payable, arrears, refundable premiums or capital additions will be factored into the amount paid.)

    There are three cover options:

    Option 1

    • Basic Top Up
    • Maximum benefit – R300 000 shortfall

    Option 2

    • Top Up
    • Maximum benefit – R300 000 shortfall
    • R3000 excess benefit towards underlying excess in the event of a valid shortfall claim.
    • Supplementary cover included

    Option 3

    • Deposit protector
    • Deposit protection up to R100 000
  • Click here to download claim forms and brochures.


    Contact Details:

    Telephone number: 0860 100 269
    E-mail: VAPS.BMW@BMWfinance.co.za

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.

    Safeguard yourself from loss due to depreciation.

    This supplementary product covers the difference between your vehicle’s original purchase value and the Retail or Market value insurance payout.

    Customers who choose this product enjoy a number of benefits:

    • Receive a maximum benefit of up to R300 000 on a 24 month contract
    • Receive a maximum benefit of up to R500 000 on a 36 month option
    • Policy offers protection against VAT losses

  • Click here to download claim forms and brochures.


    Contact Details:

    Telephone number: 0860 100 269
    E-mail: VAPS.BMW@BMWfinance.co.za

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.

    Small scratches, dents, chips and abrasions are all too common. You could let these blemishes ruin your BMWs appearance, or choose this innovative cover that gives you access to experts in cosmetic repairs.

    BMW Care and Cosmetic Exterior Cover Plan offers the following benefits up to a maximum of R3 000.00 (VAT incl.).

    • BMW Scratch repair. Covers scratches to the bodywork of the vehicle up to 15 cm in length.
    • BMW Wheels and Alloy rims repairs. Covers up to a maximum of R3 000.00 (VAT incl.) per 12 (twelve) month period of cover.
    • BMW Windscreen and Glass repairs. Windscreen chips and repairs to headlamps and related glass components, to the value of R3 000.00 (VAT incl.)
    • BMW tar removal. Unlimited restorations up to a maximum of R3 000.00 (VAT incl.).
    • BMW Dent repair. Dents to the bodywork of the vehicle up to 15 cm in diameter.
    • BMW Hail damage repair. Covers up to a maximum of R3 000.00 (VAT incl.) per 12 (twelve) month period of cover.
    • BMW Chip repairs. Repairs damage not exceeding 1.5 mm in diameter.

    BMW Care and Cosmetic Interior Cover Plan offer the following benefits up to a maximum of R2 500.00 (VAT incl.).

    • Centre console scratches, scuffs or rubber peeling
    • Door handle scratches or scuffs repair
    • Door plastic kick panel & Plastic panel Door repairs
    • Hand brake boot, restore if torn or ripped
    • Centre armrest will be repaired
    • Head rest damage will be repaired
    • Front seat backboard and pocket repairs
    • Interior boot carpet repairs
    • Seat panel replace
    • Seat stitch
    • Steering wheel re-spray
    • Rubber carpet inserts
    • Gear knob repairs
    • Sun visor damage

    BMW Care and Cosmetic Inside Out Cover Plan covers all of the Exterior Cover Plan and Interior Cover Plan benefits listed above with a reduced premium.

    Claims procedure

    1. Telephone the national number to register your claim on 0860 100 269.
    2. The claims department will request your policy number and all relevant information.
    3. The claims department will request a photograph of the damage.
    4. Send quotations and photograph to the claims department who will assess your claim.


  • Click here to download claim forms and brochures.


    Contact Details:
    Telephone number: 0860 100 269
    E-mail: VAPS.BMW@BMWfinance.co.za

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.

    Replace tyres that have become irreparably damaged due to everyday road hazards.

    Life's journey sometimes leaves its mark on your BMW and in many instances tyres bear the brunt of misfortune. You now have peace of mind with innovative cover that ensures you will never have to compromise when it comes to safety and performance.

    • Regular and Runflat tyres covered
    • Tyre fitment fee covered up to a maximum of R500 when fitted by an approved dealership
    • Tread used is not calculated at claim stage. Tyres must be in a roadworthy condition and have SA legal tread limit.
    • No excess payable at claim stage
    • All 4 tyres covered at any given incident
    • Unlimited number of claims (limited to R45 000 per annum on Runflat tyres)

  • Click here to download claim forms and brochures.


    Contact Details:
    Telephone number: 0860 100 269
    E-mail: VAPS.BMW@BMWfinance.co.za

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.

    Ease your mind.

    Driving is one of life’s pleasures however heavy mileage and asset ageing may cause mechanical damage to your most prized possession. Fortunately, BMW Extended Warranty Cover will ensure that mechanical damages are minimised by providing you with a selection of cover options that shield you from unexpected expenses once your manufacturer warranty has expired.

    Experience peace of mind with the following benefits:

    • 24 month warranty extension
    • No waiting period applies
    • 42 major components included
    • Resultant damage or loss to an insured component caused by the failure of an insured or non-insured component is covered
    • Cover can be transferred with the vehicle

    You will also have access to the following Roadside Assist benefits:

    • Tow in: One tow in per claimable event
    • Overnight accommodation: In the event of a breakdown 200 km from your residence
    • Car rentals: If repairs are not completed within 48 hours this benefit is applicable
    • Keys locked in the vehicle: One call out a year benefit is limited to R350
    • Changing of flat tyre: This benefit is limited to 2 call-outs a year
    • Battery failure: This benefit is also limited to 2 call-outs a year
    • Emergency fuel delivery: Europ Assistance will arrange for 10 litres of fuel to be delivered to you. Cost of fuel will be for your account. Benefit is limited to 2 call-outs per year
    • Emergency assist: In the event of an accident, Europ Assistance will contact the traffic authorities and emergency services if required. Costs of emergency services are for your account
    • Map Direct: Helpline for directions or route guidance when travelling
  • Click here to download policy wordings and brochures.


    Contact Details: BMW Extended Warranty
    Telephone number: 0860 100 269
    E-mail: VAPS.BMW@bmwfinance.co.za
    Theft or Hijack telephone number: 011 541 7545

    Please note that this is not the policy wording. Please read the policy wording for the full benefits as well as comprehensive terms and conditions of this cover.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services and Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider, Licence No.75. Terms and conditions apply.

    Please read the policy wording for the full benefits, comprehensive terms and conditions of these cover options.

    BMW Financial Services (South Africa) (Pty) Ltd. is an Authorised Financial Services & Registered Credit Provider NCRCP2341. Insurance is underwritten by Guardrisk Insurance Company Ltd an Authorised Financial Services Provider Licence No.75. Terms and conditions apply.