Welcome to BMW Flex Car Insurance.

When you truly love your BMW you want to protect it in the best way. BMW Flex Car Insurance is a fully comprehensive monthly insurance policy designed for your new or used BMW. It’s not just any insurance policy but an investment in maintaining your BMW beyond the drive.
Due to the impact of COVID-19 (coronavirus), we have temporarily reduced our customer support hours to 9–5pm Monday to Friday. Remember, you are able to make changes to your policy at any time, and we never charge you fees to do so. Making some changes that reflect your current circumstances can help to reduce your premium.

How to contact us
Fully comprehensive Defaqto 5 Star policy.
Guaranteed repairs, always by BMW.
Make changes anytime, no fees or charges.
Manage everything with a few taps.
Simple monthly plan, cancel anytime.
Understand what impacts your price.
Key benefits
  • Guaranteed option of BMW Approved Bodyshop repair in the UK
  • Use of a courtesy car whilst your car is being repaired
  • Uninsured driver promise – protecting your No Claims Bonus and policy excess if an accident was the fault of an uninsured driver
  • Roof box cover up to £750
  • 24 hour UK recovery in the event of an accident
  • Replacement child car seats in the event of an accident
  • Sole glass replacement or repair will not affect your No Claims Bonus
  • Enjoy 90 days’ full policy cover in a 12-month period when you visit the EU
  • Up to £1,000 cover for replacement vehicle keys and locks
  • Cover for personal accidents involving the car up to £20,000 per person and medical expenses related to a car accident up to £500
  • Car contents and personal belongings cover up to £1,000
Key insurance exclusions
  • Maximum driver age 85 years old
  • Minimum driver age of 30 years old for some high performance models
  • Vehicles valued over £75,000 and high performance vehicles will require a Thatcham approved tracking device with an active subscription
  • Have held a full UK/EU licence for at least one year
  • UK residents only
  • Have had no more than three at-fault claims in the past five years
  • Have a maximum of three minor driving convictions in the past five years and no major convictions
  • Young/inexperienced driver excesses may apply
  • You must be able to pass an identity check at your address
  • Specific offer, terms, conditions, exclusions and excesses may vary
  • Other terms, conditions, exclusions and excesses apply
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Terms, conditions and exclusions apply. BMW Car Insurance is managed and administered by Wrisk Transfer Limited, registered in England and Wales with company number 10657213 and its registered office is at 25 Moorgate, London, EC2R 6AY. Wrisk Transfer Limited is authorised and regulated by the Financial Conduct Authority (FCA) - reference number 788062. The FCA’s register can be checked for details of their permissions, history and contact details.
BMW Insurance Solutions is a trading name of BMW Financial Services (GB) Limited, registered office: Summit ONE, Summit Avenue, Farnborough, Hampshire, GU14 0FB and Wrisk Transfer Limited are not part of the same corporate group.