Financial Services Protection Plans

ULTIMATE PROTECTION FOR YOUR DRIVE.

Discover first-class service and benefits with the extensive suite of BMW Ultimate Protection products and packages—so you can embark on every journey with peace of mind.

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Vehicle Service Contracts.

Coverage for your BMW should go above and beyond. VSC expands the coverage of your vehicle for up to 7 years, or 100,000 miles, and offers options to customize the level of protection needed. In addition, BMW guarantees unmatched quality of care with all repairs completed with Genuine BMW parts at an authorized repair facility.

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Platinum coverage.

Available for new, Pre-owned, Plug-in Hybrid, Electric, and Certified Pre-owned vehicles, Platinum Coverage offers comprehensive coverage for most major components—plus exclusive protection offerings.

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Powertrain coverage.

Available for new, Pre-owned, and high mileage vehicles, Powertrain Coverage offers extensive coverage of a wide assortment of drivetrain components—plus limited coverage for many other parts.

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AllSurface Protection.

Keeps the exterior and interior flawless by protecting your BMW’s paint and fabric.

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BMW protection products.

Extra care helps you go the extra mile. Explore additional protection products that can help safeguard your BMW from the unexpected.

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Lease-end protection.

Enjoy the drive knowing that some or all of the potential excess wear costs will be waived when you turn in your vehicle. With BMW Lease-End Protection, you can expect a seamless experience at the end of your lease.

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Guaranteed Auto Protection (GAP).

Discover exceptional coverage for unexpected setbacks. In the event of a total loss due to an accident, theft, or natural disaster, GAP coverage waives some or all of the difference between the assessed market value from your primary insurance provider and the remaining balance on your loan.

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Multi-coverage protection.

With BMW Multi-Coverage Protection, you can customize the suite of protection products below to suit your lifestyle. This personalized bundle allows you to choose tire and wheel, dent, windshield, and key protections, either individually or altogether.

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Tire & wheel protection.

Provides replacement coverage if your wheels or tires are structurally damaged by road hazards like potholes, nails, or glass. Add Optional Cosmetic Coverage for cosmetic wheel repair.

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Paintless dent repair.

Added coverage that can remove door dings and minor dents while maintaining your BMW’s original factory finish.

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Windshield protection.

Covers the cost of repairing your front windshield if chipped or cracked by propelled rocks and other road hazards.

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Key protection.

Provides replacement coverage and lock-out assistance if your keys are ever lost, damaged, or locked inside your vehicle.

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AllTheft Protection.

Provides replacement coverage in the event of catalytic converter or vehicle theft for your new, leased, or used BMW.

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Support designed for everyone.

Additional protection and coverage that can add peace of mind. Talk to your BMW Dealer today to find the plan that's right for you and your BMW.

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FREQUENTLY ASKED QUESTIONS

What protection programs and products does BMW offer?

BMW Ultimate Protection offers a wide range of premium protection products and services for your BMW, including Vehicle Service Contracts (VSC), Tire & Wheel Protection, Key Protection, Windshield Protection, Guaranteed Auto Protection (GAP), and Lease-End Protection. All Surface Protection is also available to keep your BMW's paint and fabric looking flawless.

Does BMW offer an extended warranty or extended coverage? How do I buy it?

Yes, Vehicle Service Contracts (VSC) offers extended coverage for all new, pre-owned, and BMW Certified vehicles. VSC expands the coverage of your vehicle for up to seven years, or 100,000 miles. All repairs are completed with 100% Original BMW parts at an authorized repair facility. Drivers can select between two coverage levels: Platinum and Powertrain.

Talk to your BMW Dealer to find coverage that's right for you and your BMW.

Does BMW offer an extended warranty, and what does it cover?

While BMW does not offer to extend your warranty, we do offer Vehicle Service Contracts (VSC) that provide coverage for many components after the expiration of your New Vehicle Limited Warranty.

BMW Vehicle Service Contracts offer two coverage tiers: Platinum Coverage and Powertrain Coverage.

Powertrain Coverage focuses on the engine, transmission, and drivetrain components and is also available for high-mileage vehicles.

Platinum Coverage protects most major components across the vehicle—including electronics, drivetrain, and systems specific to plug-in hybrid and electric vehicles—for new, pre-owned, and Certified Pre-Owned BMWs.

All covered repairs are performed at an authorized BMW repair facility using genuine OEM new or remanufactured parts, unless unavailable; in which case parts of like kind and quality may be used.

How much do BMW Vehicle Service Contracts cost?

The cost of a BMW Vehicle Service Contract (VSC) varies depending on your vehicle's model, age, mileage, and the level of coverage selected. BMW offers comprehensive Platinum Coverage and drivetrain-focused Powertrain Coverage options, with coverage available for up to 7 years or 100,000 miles. Purchasing a VSC at the time of your BMW purchase or lease typically provides the most favorable pricing. For a personalized quote, contact your local BMW Center or visit www.mybmwprotection.com/vehicle-service-contract.

What does a BMW Vehicle Service Contract (VSC) provide?

For many BMW owners, a Vehicle Service Contract (VSC) provides valuable peace of mind. A VSC ensures that covered repairs are performed at authorized BMW Centers using Genuine BMW Parts, maintaining your vehicle's quality standards. If you plan to keep your BMW beyond the factory warranty period or want to protect against unexpected repair bills, a VSC is worth considering. Speak with your BMW Center about pricing and coverage options.

Does BMW offer an auto insurance program? What is included?

BMW Insurance Agency, Inc. has brought together a select group of top-tier insurers to provide you with customized benefits at competitive rates. You can review and compare each insurer's benefits and quote to determine which option best fits your needs. Customized benefits and products may vary by state and insurer.

How much does BMW auto insurance cost?

BMW auto insurance costs vary significantly by model, location, and coverage level. BMW Financial Services recommends comparing quotes to find the best rate for your specific vehicle. You can compare personalized BMW insurance quotes from multiple trusted providers directly on https://performanceinsurance.bmwusa.com/bmw/your-address.

Does BMW offer any protection plans for leased vehicles?

Yes. Lease-End Protection provides extra peace of mind and helps drivers avoid excess wear fees at the end of their lease.

What insurance is required for a BMW lease?

BMW Financial Services requires lessees to carry comprehensive and collision insurance with a maximum deductible of $1,000, as well as state-minimum liability coverage. Contact your insurance provider to confirm your policy meets BMW Financial Services requirements.

What is BMW Guaranteed Auto Protection (GAP) and do I need it?

BMW Guaranteed Auto Protection (GAP) covers the difference between the assessed market value paid by your primary insurance provider and the remaining balance on your financing agreement in the event of a total loss due to accident, theft, or natural disaster. Without GAP coverage, you could owe money on a vehicle you no longer have. GAP is especially recommended for customers who put little or no money down and have a long loan term.

Does BMW offer Tire and Wheel Protection? What is covered?

BMW Tire and Wheel Protection covers the replacement of tires and wheels structurally damaged by road hazards such as potholes, nails, and glass. Given that BMW wheels and run-flat tires can be expensive to replace, this protection can provide significant value for drivers in areas with poor road conditions. It is available as a standalone product or as part of BMW Multi-Coverage Protection.

Does BMW offer Windshield Protection? What is covered?

Yes. BMW Windshield Protection covers the cost to repair your front windshield if it is chipped or cracked by rocks or other road debris. If you frequently drive on highways or in areas with heavy truck traffic, windshield damage is one of the most common and often unexpected repair costs. BMW Windshield Protection is available as a standalone product or as part of the BMW Multi-Coverage Protection bundle. Contact your BMW Center to learn more.

Does BMW offer Paint Repair or Dent Protection? What is covered?

Yes. BMW Dent Protection covers the removal of door dings and minor dents using paintless dent repair techniques, preserving your BMW's original factory finish without the need for repainting. This is particularly valuable in urban environments where parking lot dings are common. BMW Dent Protection is available as a standalone product or as part of the BMW Multi-Coverage Protection bundle. Ask your BMW Center about adding it at the time of your purchase or lease.

Does BMW offer Lock-Out Assistance or Key Replacement? What is covered?

Yes. BMW Key Protection provides replacement coverage if your keys are ever lost, damaged, or stolen—and goes beyond simple key replacement. If you are locked out, the plan also covers lockout assistance, towing, and even a ride home if needed, making this coverage especially worthwhile. Key Protection is available as a standalone product or as part of the BMW Multi-Coverage Protection bundle. Contact your BMW Center to learn more.

Does BMW offer All Surface Protection? What is covered?

Yes. BMW All Surface Protection keeps your BMW's interior and exterior looking its best by protecting paint, fabric, leather, and vinyl surfaces. Coverage includes scrapes, scratches, and stains on both interior and exterior surfaces—from a coffee spill on the seats to a scuff on the door panel. If you want to maintain your BMW's appearance and protect its resale value, All Surface Protection is a practical choice—especially for leased vehicles where condition at turn-in can directly affect your costs. It is available through your BMW Center.

Can I create my own bundle of protection products?

Yes. Multi-Coverage Protection gives drivers the opportunity to select a suite of optional protection products that best fits their lifestyle.