BMW PROTECTION PRODUCTS.

The BMW Mechanical Breakdown Protection covers the following:

Vehicle Covered Parts

We will arrange to repair or replace a covered part in the event that there is a mechanical breakdown of such part. Covered components include;

• Engine, Transmission, Drive Axle
• Steering
• Front and Rear Suspension
• Climate Control
• Electrical Systems, Fuel Systems
• Chassis Hardware
• Seals and Gaskets
• Factory Installed Navigation, Audio and High-tech Components

Diagnostic Services

• We will arrange for all reasonable, necessary and customary diagnostic services in conjunction with a covered repair.

Fluid Services

• We will arrange to replace any necessary fluids, oil, grease, lubricants etc. that must be replaced in conjunction with a covered repair.

Emergency Roadside Assistance

• In the event of a mechanical breakdown, towing or flatbed transportation will be arranged and provided to the nearest BMW Retailer, up to a maximum of 100kms per incident.

Mechanical Breakdown Protection is eligible on any New, Pre-Owned, or Certified Pre-Owned BMW.

Mechanical Breakdown Protection for Electric/Hybrid vehicle have the following additional components[1]:

• High Voltage Electric/ Hybrid Electric Battery
• Hybrid Starter Generator
• Hybrid Power Control Unit
• Automatic Transmission including Electric Motor

Mechanical Breakdown Protection excludes any of the following parts[2]:

• Glass, glass framework and fastening adhesive
• Head and tail light lenses
• Body panels
• Door panels, handles, hinges
• Tires, rims, or any balancing and or alignment
• Brake pads, rotors or drums.

BMW Mechanical Breakdown Protection also exclude any mechanical breakdown caused by or resulting from any accident or collision, and any scheduled maintenance to your vehicle.

BMW Financial Services may waive certain Excessive Wear or Use charges that would otherwise be chargeable under the Lease Agreement. Charges waived include but are not limited to:

• Minor dents and dings
• Paint scratches
• Rock chips
• Chips or cracks to your BMW-approved windshield
• Scratches or scuffs to your BMW approved rims
• BMW approved tires with less than 3/32”’s of tread depth
• Minor interior rips or tears
• Missing parts valued at $200 or less
• Up to $7,500 in waiver limits
• Subject to a $1,000 single incident damage limit

BMW Excess Wear & Use Protection may be purchased for:

• Any new BMW leased through BMW Financial Services;
• Any used BMW with less than 15,000 km at inception;
• Protection must be purchased at time of vehicle purchase.

These are the exclusions[2] on BMW Excess Wear & Use Protection:

• Any loss or damage to the Vehicle due to a single incident or event where the cost of the repair exceeds one thousand dollars ($1,000).
  
• Any of the following:
  • Exterior scratches or dents that are greater than eight (8) inches in length;
    
  • Any bent, cracked, broken or mismatched rims;
  • The Vehicle’s brake system;
  • The return of the Vehicle with a tire brand that is not approved by BMW;
  • The installation of a windshield that does not display the BMW logo.

BMW Appearance Protection covers interior, front windshield repair, dent removal, key and keyless remote replacement, head and taillight protection, paint repair, front windshield replacement, and a car rental benefit[1]. Please see below for details:

Interior Protection

• Repair of damage to the vehicle’s interior vinyl, leather or fabric components due to accidental tears or scratches, excess wear, or normal spills such as coffee, milk or soft drinks.

Front Windshield Repair

• Repair of chips or cracks caused by propelled rocks or road debris, as well as stress cracks caused by extreme weather.

Dent Removal

• Repairs to small dents on the exterior vertical panels that do not harm your BMW’s original finish.

Key and Keyless Remote Replacement

• Replacement of lost, stolen or inoperable keys and keyless remotes, including cost for reprogramming.

Head and Taillight Protection

• Repair or replacement of head or taillight damage caused by propelled rocks or road debris.

Paint Repair

• Repair of damage to the exterior paint surfaces, where paint touch-ups and/or polishing is required.

Front Windshield Replacement

• Replacement of one (1) front windshield if the windshield has three (3) or more chips, cracks, heavily pitted glass, a chip that has begun to "spider", or is located in the driver's line of sight, or is a single crack and/or break that is at least five (5) centimeters in length.

Car Rental Benefit

• A complimentary 1 day car rental (up to $50 including taxes) for any eligible claim.

BMW Appearance Protection can be purchased for any New, Pre-Owned or Certified Pre-Owned BMW. Coverage must be purchased within 30 days of vehicle purchase, lease or finance.

BMW Appearance protection excludes[2]:

• Any loss or damage caused by or resulting from a vehicle accident or collision.
• Any damage to parts or materials not originally equipped on the vehicle.

• BMW Tire & Rim Protection provides coverage for BMW-approved tires and rims damaged by various road hazards, including but not limited to; nails, screws, glass, rocks, potholes, road cracks, uneven pavement, curb scuffs.
• Coverage also includes BMW summer tire and rim packages, BMW winter tire rim packages, and replacement tires and rims beyond the original set (as long as they comply with BMW specifications).
• BMW Tire & Rim Protection covers up to a $2,000 benefit limit for curb scuff damage to your BMW approved rims.
• BMW Tire & Rim Protection covers up to a maximum $12,000 in total benefits.

BMW Tire and Rim Protection can be applied to any New, Pre-Owned or Certified Pre-Owned BMW, but it must be purchased within 30 days of your BMW vehicle purchase, lease or finance.

BMW Tire and Rim Protection does not provide coverage in the following circumstances[2]:

• Tires and rims that are not approved by BMW. 
• Damage as a result of a vehicle accident or collision.
• Tires less than 2 millimeters of tread depth remaining at time of claim.

BMW Limited Debt Waiver covers replacement and repairs in the following situations:

Replacement Event

• If your BMW is a total loss and the insurance payout is less than your remaining loan amount, you are at risk of having to continue payments for a vehicle you can no longer use.
• BMW Limited Debt Waiver protects you by waiving the difference between your primary insurer’s payout and the balance of your BMW Financial Services loan immediately prior to the total loss.

Repair Event

• As an add-on benefit, you can also purchase a “Repair Event” benefit that will waive a fixed amount of your BMW Financial Services loan in the event of a partial loss (where a damage declaration record is added to your vehicle’s history report and your claim is paid by your primary insurer).
• The amount waived will depend on your initial vehicle loan amount:
  • Loans of less than $30,000: Up to $2,500 waived
  • Loans of $30,000 – $100,000 (inclusive): Up to $5,000 waived
  • Loans of more than $100,000: Up to $7,500 waived

BMW Limited Debt Waiver have the following eligibility conditions:

• Available for all BMW models (New, Pre-Owned, and Certified Pre-Owned) when the vehicle is financed through BMW Financial Services.
• Protection must be purchased at the time of vehicle purchase.
• The initial loan amount must be less than or equal to $250,000.
• Terms available up to 84 months.

BMW Limited Debt Waiver benefits are not available the following cases[2]:

• If the vehicle was not insured at all times by your primary insurer in accordance with the contract requirements.
• If your insurance claim is denied by your primary insurer.
  

BMW Service Inclusive covers maintenance work and services for your BMW including: fluid and filter changes, labour, and the use of original BMW parts.

BMW Service Inclusive can be purchased anytime during the No-Charge Scheduled Maintenance period of 3-years / 60,000 kms† or up to 15 months after the No-Charge Scheduled Maintenance expiry, regardless of mileage.

_{†New BMW vehicles (model year 2022 and newer) purchased from an authorized BMW Retailer in Canada are covered by a No-Charge Scheduled Maintenance plan for 3 years or 60,000 km (Internal Combustion Engines and Plug in Hybrid Electric Vehicles), whichever comes first, or 3 years, unlimited kms (Battery Electric Vehicles). Certain limitations apply. Contact your BMW Retailer for details.}

BMW Service Inclusive does not include coverage on the following[2]:

• Repair or replacement of any tires or any type; wheel alignment, balancing of tires.
• Damage to the vehicle caused by accident or collision.
• Use of improper or contaminated fuels, coolants or lubricants.

Choose from the following BMW Loan Protection products:

1. Life Insurance Benefit[4] - coverage for a benefit equal to the outstanding balance of your Loan/Lease on the date of your death, payable to BMW.
2. Critical Illness Insurance Benefit[4] – coverage should you be diagnosed with certain types of critical illness (including heart attack, stroke, or forms of cancer), for a benefit equal to the outstanding balance of your Loan/Lease on the date of your diagnosis, payable to BMW.
3. Disability Insurance Benefit[4] – coverage should you become totally disabled, for an insurance benefit equal to your monthly payment for the remaining term of your loan, payable to BMW.
4. Loss of Employment Insurance Benefit[4] – coverage should you be affected by an involuntary loss of employment, for a benefit equal to your monthly payment for the remaining term of your loan, payable to BMW.

You are eligible for BMW Loan Protection Products if you are:

• A customer with an active BMW Conditional Sales Agreement or Lease Agreement; and
• You meet the minimum age and other requirements applicable to the product.

There are certain exclusions[2] to BMW Loan Protection Products varying by individual product. Examples include:

• There are some exclusions for certain pre-existing health and medical conditions.
• For Disability Insurance: To be eligible, you must be  continuously, actively working at least 20 hours per week in the 2 weeks immediately preceding your enrolment and the date of your loss.
• For Loss of Employment Insurance:  You are not eligible if you are self-employed, a seasonal employee or an elected government official. To be eligible, you must be continuously, actively working at least 20 hours per week for the 12 consecutive months preceding your enrolment and the date of your loss.

BMW Anti-Theft Protection covers the following:

In the event your vehicle is stolen and not recovered within thirty (30) days of theft, or is recovered within thirty (30) days but declared a total loss by your auto insurance provider, you will be eligible to receive an in-store credit in the amount of the lesser of;

• 50% of the amount you paid for the vehicle or;
• $5,000 (inclusive of taxes).
• The in-store credit may only be applied to the purchase of a replacement vehicle within the retailer inventory (cannot be used on a vehicle order).

In the event your stolen vehicle is recovered and has damage, you will be eligible to receive a refund of the amount you paid for the Anti-Theft Protection product.

BMW Anti-Theft protection can be applied to any New, Pre-Owned, or Certified Pre-Owned BMW. BMW Anti-Theft Protection must be purchased within 30 days of vehicle purchase.

BMW Anti-Theft Protection excludes the following[2]:

• If the vehicle was not insured by an insurance company duly licensed to conduct business in Canada, or your insurance claim is denied.