An NYPD cop tried to collect insurance money on a BMW he said was stolen — but was busted for fraud when it turned out the car had gone up in flames two days before the officer claimed it went missing, prosecutors said Thursday.

Officer Kirk Peddie, 43, was arrested Thursday morning and charged with insurance fraud, attempted grand larceny, providing false sworn statements and official misconduct, among other charges, according to the Brooklyn District Attorney’s Office.

The 15-year veteran cop reported to police on Christmas Day of 2016 that his BMW 650i convertible was stolen from a parking spot near his home in Brooklyn Heights after he left it there Dec. 22, authorities said.

The cop then filed a claim with his insurance company and gave two sworn statements with the same story, according to the DA’s office.

But the same car was found on fire by the FDNY in East New York on Dec. 20, 2016 — two days before he told authorities he’d last seen his Beemer.

When questioned about the car fire, Peddie “admitted that he had no explanation for giving the factually impossible date,” authorities said.

It was unclear how the car caught on fire.

“That this crime was allegedly committed by a police officer is troublesome because we demand honesty and integrity from all of our law enforcement officials,” District Attorney Eric Gonzalez said.

Peddie — who was assigned to the 66 Precinct, which covers Borough Park — has been suspended without pay, according to the NYPD.