Berry Contract Hire GAP Insurance helps protect you from losing out financially if your BMW is written off or stolen.


If your vehicle is stolen or written off as a result of an accident, fire or theft, most insurers will only pay out the market value for your vehicle, even if the claim was not your fault. Depending on the age and mileage of your vehicle at the time of loss, the market value may be substantially less than the outstanding finance owed on it. 

Our Contract Hire GAP Insurance covers the difference between the motor insurer’s write off settlement, and the outstanding payment to the end of your Contract Hire or Lease agreement. Meaning, you can protect yourself against the risk of financial shortfall and make sure you will not be paying for a vehicle you can not use. 

With the added benefit of Temporary Vehicle Replacement, In the event of a Total Loss, the policy will pay a contribution towards a temporary replacement vehicle. Where possible, the administrator, on behalf of the insurer, will arrange a third part to provide you with a temporary replacement vehicle which will be up to a maximum of 2000cc and could be of any make or model available at the time.


  • Applying as an individual, you are a resident in the United Kingdom, the Channel Islands or the Isle of Man; or
  • Applying as a company, that company is registered in the United Kingdom, Channel Islands or the Isle of Man; and 
  • You are the Comprehensive Motor Insurance policyholder or named on the Comprehensive Motor Insurance policy; and
  • Not purchasing a vehicle which is a commercial vehicle over 3.5 tonnes, emergency vehicle, taxi courier vehicle or a vehicle for hire and reward or driving tuition.  


  • A maximum benefit of £15,000
  • An initial rental amount or deposit up to the maximum of £2,000.
  • Up to £250 contribution towards the motor Insurer excess
  • In the event of a total loss, the policy will arrange a temporary replacement vehicle, for up to 45 days and for a maximum of £30 per day
  • Dealer Fitted Accessories that were fitted by the Supplying Dealer and that are shown are shown separately on the purchase invoice


As well as the features and benefits of our policies, it’s important that we make you aware of the product exclusions. Below are some of the major ones. This should not be used as a substitute for your policy documentation, which details the policy exclusions in full.

  • Delivery charges, warranty and insurance premiums 
  • Negative equity
  • Vehicles covered under any type of motor trade Insurance policy
  • Any additional costs related to the temporary replacement vehicle
  • Any claims not reported according to the terms and conditions of the policy


  • Notify the administrator immediately after an incident which has resulted in damage.
  • Claims can be logged on their website at, where a confirmation of the process and a claim form will be issued.
  • The completed claim form and supporting documentation should be returned to the administrator for assessment.
  • Additional details of the claim process can be found in the policy document for this cover.