Buy Gap Insurance for BMW for 1 to 5 years with Easy Gap
Do you want to buy BMW GAP Insurance? 
At Easy Gap we offer a full range of Gap Insurance for BMW, underwritten by UK General on behalf of Ageas Insurance at genuine market leading prices.
Simply click for an instant gap insurance quotation and cover. Or if you prefer why not call our dedicated free phone number 0800 195 4926. We can answer any of your gap insurance questions and talk about your BMW in plain English with no jargon. Our aim is simple, we can take as much time as is needed so that you understand your Gap protection options and can make your own informed choice as to which level of gap insurance is best for you and your BMW.
Why Gap Insurance for your BMW?
A recent article written in The Telegraph and published on April the 6th has highlighted the top ten most desirable vehicles to be targeted by car thieves during 2010. In top position was the BMW X5 with the BMW X3 in third position.
The article also highlighted a worrying statistic in that 84 % of vehicles stolen are now done so with the use of the keys. You will be relieved to know that our gap insurance polices do cover you if your vehicle is stolen with the use of the keys providing this is not as a result of negligence ( just like your own motor insurance.) These statistics illustrate that protecting your BMW with gap insurance has never been more important.
We all know that if a vehicle is desirable to buy, then it is equally desirable to steal. However, BMW drivers are also no immune to having an accident too, whether it is your fault or not any accident could result in your vehicle being 'written off' by your insurance company. In these circumstances you could be left in a situation where your insurance settlement is far lower than the original price you paid. In 2011, as costs of motor insurance rise, this gives you no more protection than the usual 'market value' of the vehicle.
We believe that our range of EasyGap Gap Insurance policies for BMW offer a full range of protection choice for this situation.
You will be pleased to know that we do not operate gap insurance any vouchers, or discount codes Instead we want each and every customer to get our very best gap insurance price first time every time. No gimmicks just honest, reliable tried and tested products at fantastic prices for everyone every time. We are so confident in our tried and tested and prices that we also guarantee to beat any like for like quotation
So please remember at EasyGap Cheap / Low cost gap insurance for your BMW does not mean a dilution of cover, security , peace of mind or back up it just means better value for money !
Please remember that we would never compromise on policy features or levels of service and neither should you !
Which Gap Insurance for BMW?
Finance Gap Insurance for BMW
Return to Invoice Gap Insurance (RI) for BMW
Transferable Vehicle Replacement Insurance (RI) for BMW
You can cover many different models of BMW from the BMW 1 series coupe and convertible, the BMW 3 series Coupe and touring as well as the convertible. From the BMW 5 series saloon and 5 series touring to the 6 series coupe, and convertible to the BMW 7 series and the New BMW 7 series. From the M3, M6 and M6 to the BMW X1, X3, X5 and X6 to the Z4.
Which ever model BMW you have why not call a member of the team and see just how easy and inexpensive gap insurance for your BMW can be?
What is Vehicle Replacement and what can it do for your BMW?Vehicle replacement insurance is very similar to forms of return to invoice gap insurance offered by your local BMW dealership but there is one very important and critical difference. This is because when you are considering vehicle replacement for your BMW you are not simply protecting the physical amount of money that you paid on the invoice price instead your are protecting the inflationary increased cost of your BMW.
So what does this mean to you and your BMW?
It means that when your BMW is written off your policy would pay the difference between your BMW's Valuation on the day and the amount your would need to spend to buy another BMW the same age, mileage and condition as yours was on the day that you drive it home from the dealership. If your BMW is a pre-reg or demonstrator and your have bought it with 90 days of registration and the first registered owner was the BMW garage then any settlement would be based not he cost of a new car.
For example lets say that you have just bought a pre registered BMW X1 S Drive 1800 D Se. According to What car you will of paid in the region of £24780. Three and a half years later you return back from shopping to find an empty space where your pride and joy was and two weeks later your motor insurance company decide to write your BMW off.
No-one can ever promised to know exactly what your BMW will be worth but based on current rates of depreciation and historical data what car envisage your BMW now being worth just £9000..
Without any form of gap insurance and without using your savings this is the only amount that you would have to replace your car or clear any outstanding finance. To make matters worth BMW have now as per their ethos to constantly improve, upgraded the model and unfortunately the price tag to match and to buy the same equivilent vehicle would now cost £26980.
Please remember that increases in VAT, Manufacturing costs, labor rates and transportation means that over a number of years the cost that we are paying for our cars increases year on year.
So lets look at how this would affect you.
You paid £24780
Insurance companies settlement £9000.
Shortfall £15780
A standard form of return to invoice would certainly pay this shortfall but as the cost of the new car has increased this would still leave a shortfall of £2200.
Vehicle replacement gap insurance would gave instead simply paid the difference and don't forget that with an Easy gap insurance policies funds are always paid to you. So why not call a member of the team and see what vehicle replacement gap insurance can do for you and your BMW.
Return to Invoice Gap Insurance for BMW.Simply put if your BMW is written off between your two insurance companies you are paid back to the original invoice price you paid. ( less road fund which you can claim back from DVLA ).
For example you have just bought a BMW 3 series 320d 4door and paid in the region of £28080.
Two years later your BMW is written off, the exactly circumstances do not matter as when it comes to making an easy gap insurance as long as your own insurance company are happy to settle then we are too.
So no matter if you are driving, or someone else, if it was your fault or someone else, your BMW was stolen with the keys or without the most important aspect is that they agreed to settle. Based on current predicted and historical data motor industry experts predict that with average mileage your BMW your be worth in the region of £15579.
Without any form of gap insurance or asset protection for your BMW and without having to use your savings this would be the only amount that you would have to be able to replace your BMW or clear any outstanding financial liability.
A return to invoice gap insurance policy from Easy Gap would in the case pay you £12501 ( less road fund). This means that between the two insurance companies you would now have the full £28080 back. If you had paid for your BMW using a funding package you could clear the finance and the excess, the deposit you paid and the equity would be yours to do with as you see fit.
Please don't forget that we also pay £250 towards your motor insurance excess.
With our Easy gap Policy prices up to 85% less than BMW dealerships with guaranteed no dilution of levels of protection do your really want to take a risk and not protect yourself?
What Can Finance and contract hire gap insurance do to protect you and your BMW?All cars even BMW lose value over time and should you join the estimated 600,000 other vehicle owners who have theirs vehicles written off each year the financial implications can be devastating. (To put this into perspective that is equivalent to the estimated population of Glasgow)
If you have purchased your BMW on a form of contract hire or hire purchase or even auto loan your agreement will not simply stop just because your BMW is no longer here. In fact should the worse happen you could be left paying for your BMW long after it has gone.
This is because you are still legally liable for any shortfall between your own motor insurance valuation and your finance or contract hire companies settlement. This difference can and often if thousands and thousands of pounds.
So what is finance gap insuracne for BMW?
Finance gap insurance just like any other form of insurance can never stop a specific event from happening however it can protect you financially when it does. This means that with a form of finance gap insurance your policy would pay the difference between your BMW's valuation on the day it is written off and simply clear the outstanding liability.
Cars are deprecating assets and BMWs are not normally known for excessive rates of depreciation however it may surprise you to know that industry experts anticipate the average car with average mileage can loser up to 50% of its original value within the first three years alone.
For example ( figures taken from What Car )
A BMW 5 series 520d se 4 door with a list price of £30,030 would only be worth £21760 by the end of the 1st year, year 2 £17985, year 3 £14285 and fourth year £11736.
If your five series was written off during this time this may be the only amount that you would have to clear any finance, without having to dig deep into what ever savings you have.
With finance and contract hire gap insurance for your BMW from as little as £39.00 per year is it really worth taking a chance?
There are three main reasons that buying online from a specialist broker will always be less expensive than buying gap insurance from your local BMW dealership.
When you buy Gap insurance directly from the BMW dealership or finance house that is supplying your car they are legally bound to charge you insurance premium tax ( IPT ) at 20 %. When you buy independently this is just 6 %.Online gap insurance suppliers can supply the average BMW dealership yearly quota of gap insurance policies in a matter of days. This naturally means that we can use our buying power to negotiate better prices.BMW Dealerships can only supply policies to BMW owners. As we already know BMW's are very sort after vehicles and therefore are a higher risk than say for example an eight year old Fiat Punto. As we can supply policies to both we can spread the risk across the board. As you can see differences in prices are just small aspect when you buy gap insurance online and will never be as important as levels of protection and this is where companies such as ours can really win.
By using you experience and listening to customers we have designed polices with you in mind. Feature rich, quality policies that perform just as you would expect from any policy purchased from Aequitas and underwritten by one ok the Uk's largest providers Ageas UK.
For more information why not watch our small video click where a member of the team talks about Aequitas, claims handling and reasons to buy online.
Why buy Gap Insurance for you BMW Online?
The History of BMW
The German manufacturer pride themselves on 'building sports car that put the driver first'. The success of the Isetta Bubblecar in the 50's was expanded by the 1500 Saloon in the 60's which actually saved the company from near liquidation. The 1500 series which were equipped with bigger, modern engines and paved the way for BMW's sporting auto mobile image. Its alpina range in the late seventies were expanded by the M-series brands which is known to most people today.
This new line seriously challenged its main contender Mercedes and with its growing success, they expanded production across the world, took over Land Rover and also the Mini brand which remains a huge success today.
BMW not just about cars
The famous circular blue and white logo also shines well on its motorbike range, which officially is known as BMW Motorrad. Its first successful model was the R32, which was improved by the BMW R75 which paved room for the well known K series in the 80's. This was expanded by the K1200S which fashioned the turbo engines and anti lock brakes and in 2007, they purchased the well established IItalianade Husqvarra Motorcycles.
BMW prides themselves on their commitment to environmental sustainability and is proudly a member of the US Environmental Protection Agency (EPA).
Even more impressive, the German manufacturing company was in named the most reputable company in the world in 2012.
Defaqto is a leading independent financial research and software company in the UK. EasyGap has received a Defaqto 5 Star Rating for it's Vehicle Replacement, Return to Invoice and Finance and Contract Hire Gap Insurance Products.
For your peac
e of mind you will be please to know that our policies are not only underwritten by one of the worlds largest insurance companies and as such are fully FSA regulated but that they are also backed by the financial services compensation scheme. We know that prices are very important but so are levels of cover so why not compare our levels of cover and make an informed choice about your gap insurance options and how you protect your BMW.
Don't forget that the differences in price between ourselves and your local BMW dealership are nothing to do with reliability instead variances in insurance premium tax and volume supplier prices means that we will always be more competitive.
Our gap insurance policies pay £250 towards your own motor insurance excessWe cover the cost of your BMW paint protectionIf you bought a used BMW or have paid for an extended warranty our policy will cover the cost if you can not transfer it on to your next vehicle.If you buy a gap insurance for your BMW then change your mind within 30 days providing that you have not attempted to make a claim we can issue a full refund. After this time you can cancel and instead you would receive a pro rata refund.We will never try to buy any BMW for you instead if you make a claim the funds are paid to you, which in our opinion puts you firmly in the driving seat about, where, how and why your money is spent.If your own motor insurance company covers you new for old within the first 12 months on your BMW why not defer the start date of your gap insurance policy and save even more.If you change your BMW you can transfer your gap insurance policy on to your next vehicle.Our policies come with free accident management so when your BMW is written off your claim is coordinated on all sides.The price you have paid for your BMW is not limited to any form of a guide priceFor a full list of features and terms and how our levels of cover could protect your BMW please read the policies which will be displayed just above each and every quotation.
