BMW One Year Free Car Insurance.

For a limited time, when you buy a BMW 1 Series or 2 Series Gran Coupe you can enjoy your first 12 months of cover for free with BMW Flex Car Insurance.

For a limited time, when you buy a BMW 1 Series or 2 Series Gran Coupe you can enjoy your first 12 months of cover for free with BMW Flex Car Insurance. Insurance offer valid on all BMW 1 Series and on 2 Series Gran Coupe models, ordered between 1 July 2026 and 30 September 2026 and registered by 31 March 2027. For drivers aged 25-80 (minimum driver age of 30 for BMW M135 and M235 models). Offer only applicable to selected BMW models. Terms, conditions and further eligibility apply.

Offer details.

12 months comprehensive BMW Flex Car Insurance for free – we will contact you prior to the end of the offer period to confirm your monthly Motor Insurance premium and Arrangement Fee so you can continue to benefit from BMW Flex Car Insurance after the offer period has finished
Your 12-month free insurance policy covers your Motor Insurance premium and monthly Arrangement Fee
Available for eligible customers ordering BMW 1 Series and 2 Series Gran Coupe models, between 1 July 2026 and 30 September 2026 and registered by 31 March 2027
Offer only applicable to BMW 1 Series and 2 Series Gran Coupe
Offer available from a participating BMW Retailer
No Claims Bonus can be earned during the 12-month offer period (subject to no claims)
This offer does not apply to optional extra covers. Opportunity to purchase optional extra covers may be provided
Payment details must be provided to activate the 12 months free offer
Maximum 1 fault claim and 1 driving conviction per driver in the last 5 years

Policy must be activated online within 1 month of vehicle collection and no later than 31 March 2027
Offer is not refundable and cannot be used in conjunction with another BMW Car Insurance promotion
This offer is only available subject to you meeting the eligibility criteria. The offer will no longer apply if you make changes during the offer period and as a result, no longer meet all eligibility criteria
The offer applies to the first registered keeper only and is not transferable to another vehicle
No monetary alternative will be offered
We reserve the right to amend or withdraw the 12-month free offer at any time provided that no such amendment or withdrawal will affect your rights in relation to vehicles already purchased at the time the amendments or withdrawal comes into effect
All drivers must be aged 25 - 80 (Minimum driver age of 30 years old for BMW M135 and M235 Models)
Retail customers only – the policy must be taken out in an individual’s name (not a company/business)
Terms and conditions and further eligibility apply

Treat your BMW right.

Repairs guaranteed for 5 years, performed by qualified BMW technicians with BMW parts – keeping your BMW in the best condition.

Courtesy car.

BMW Network courtesy car included as standard even if your vehicle is stolen and not recovered or beyond economical repair.

Comprehensive cover.

One of the highest levels of protection in the market with uninsured driver cover, UK accident recovery and many more included as standard.

Fully flex.

There’s no tie-in, no up-front deposits and no interest charges. You can cancel or make changes any time.

Easy access.

Set up and manage your policy anytime, anywhere. It takes only a few taps and changes are applied immediately with no need to wait or call.

No hidden fees.

Make changes, renew, cancel all without charges and your price is guaranteed for 12 months – unless you need to make a change of course.

Cover summary.

Included as standard.

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 (up to a maximum of £60,000) and medical expenses related to a car accident up to £500
Car contents and personal belongings cover up to £1,000

Optional extra covers.

No Claims Bonus Protection.

Allows you to make one claim in a 12-month period without reducing your No Claims Bonus.

Motor Legal Protection.

Covers you for legal costs up to £100,000 when you’re in a road traffic accident that wasn’t your fault.

Frequently asked questions.

What is the offer?
12 months’ free BMW Flex Car Insurance including both your Motor Insurance premium and Arrangement Fee – a fully comprehensive monthly subscription policy designed for your BMW to give you peace of mind, and flexibility. Trusted by BMW drivers, it provides one of the highest quality offerings in the market.
Who can benefit from the offer?
The offer is available to eligible customers aged 25-80 (minimum driver age of 30 years old for BMW M135 and M235) ordering a new BMW 1 Series and 2 Series Gran Coupe models between 1 July 2026 and 30 September 2026 and registered by 31 March 2027, from a participating BMW Retailer. Offer is available on BMW 1 Series and 2 Series Gran Coupe models only.
Can I benefit from BMW 5 Day DriveAway Car Insurance as well as the 12-month offer?
No, the 12-month offer is not to be used in conjunction with any other offer.
What if I’m not eligible?
Unfortunately you won’t be able to benefit from the offer.
If I meet the eligibility listed, will I definitely be able to get the offer?
No, the eligibility details listed are the main areas and the majority of customers that meet those will be able to benefit, however, there may be other factors not listed that would mean the offer or cover cannot be provided.
How will I know if I’m definitely eligible?
When you activate your cover you will be asked to provide information, including details about you and your BMW - if you are eligible, the 12-month free promotion will be presented automatically and upon your activation of the offer, the monthly Motor Insurance premium and Arrangement Fee will reduce to £0.
When should I activate my offer?
You should activate your cover before collecting your new BMW, once your Retailer has confirmed the collection date and you have the registration number. Available for orders between 1 July 2026 and 30 September 2026, registered by 31 March 2027 and providing you activate cover no later than 31 March 2027.
What if my car delivery is delayed?
You should only activate your cover once the Retailer has confirmed the delivery date and registration number. If the delivery date of your BMW is delayed, don't worry, the offer will still be available, as long as you ordered your BMW between 1 July 2026 and 30 September 2026, registered it by 31 March 2027 and providing you activate cover no later than 31 March 2027September 2026.
How do I activate the offer?
You can activate your cover online using the specific promotional website address supplied to you by your Retailer.
What do I need to activate the offer?
Your Retailer will provide you with the information you will need including the vehicle registration number, the confirmed vehicle collection date, the Retailer Number and your Order Number.

Is Motor Legal Protection or No Claims Bonus Protection included in the offer?
No, but if applicable, Motor Legal Protection and No Claims Bonus Protection can be added and paid for alongside the 12-month free offer.
Why do you collect payment details when activating the offer?
Payment details are collected to enable you to add optional extra covers such as Motor Legal Protection and No Claims Bonus Protection cover in the 12-month offer period and so that you can continue to benefit from BMW Flex Car Insurance at the end of the offer period, if you choose to.
What happens if I need to change something during the 12-month offer period?
With BMW Flex Car Insurance you can manage your policy online 24/7 including updating your details and adding or removing cover.
What if I change something during the 12-month offer period and am no longer eligible for the offer?
Unfortunately, if you make a change to your policy and as a result no longer meet the eligibility criteria for the 12-month offer you will not be able to continue to benefit from the free cover. This will be clearly detailed to you at the time. At this point you will move to paying for your Motor Insurance premium and Arrangement Fee monthly.
Am I entitled to any money or premium if I make a change and am no longer eligible for the offer?
No, you are not entitled to any money or premium if you make a change and are no longer eligible for the offer.
What if I have an accident?
You should report the claim using the details within the policy wording provided when you activate your cover.
Will I be able to earn a year’s No Claims Bonus during the offer period?
Yes, you can earn No Claims Bonus during the 12 months offer period.
What if I sell my car, can I transfer the offer to another vehicle?
No, the offer is not transferable to another vehicle - if you sell your car, you can update your account online and your cover on that vehicle will stop.
What happens at the end of the 12 months?
We will contact you prior to the end of the offer period to confirm your monthly Motor Insurance premium and Arrangement Fee so you can continue to benefit from BMW Flex Car Insurance after the offer period has finished. You are under no obligation to continue your cover after the offer period has ended, and can cancel at any time with no cancellation charges.

Key eligibility.

Aged 25 - 80. (Minimum driver age of 30 years old for BMW M135 and M235)
Up to four additional drivers (spouse, partner, family member)
Permanent UK resident
Have a full/provisional UK or full EU licence
Have a maximum of 1 three minor driving convictions in the past five years and no major convictions
Have had no more than 1 at-fault claim in the past five years
You or your spouse, partner or civil partner (not business partner) will be the main driver
The main driver must be the first registered keeper of the car
Policy must be taken out in an individual’s name (not a company/business)
Not had insurance cancelled or refused by an insurer

Not previously banned from driving
The main driver must be able to pass an identity check at their address
All BMW 1 Series and 2 Series Gran Coupe models ordered between 1 July 2026 and 30 September 2026 and registered by 31 March 2027
BMW will be registered at your home address
Owned and registered by you, your spouse, partner or civil partner (not business partner), by your parent, guardian, grandparent or a leasing company (where you have a contract to insure the vehicle)
Social, Domestic and Pleasure (SDP)
Social, Domestic, Pleasure and Commuting (SDP&C)
SDP&C including Business Use (Class 1)
Your BMW is not used for Hire & Reward

Eligibility is subject to underwriting criteria and may vary.

Key exclusions.

Offer only available on BMW 1 Series and 2 Series Gran Coupe models
Cover provided for driving other cars if the policyholder is between the age of 25-80. (30 for M135 and, M235)
Theft or attempted theft of your car if your car is unoccupied at the time of theft, unless your car is locked and the ignition key or other removable ignition device was not in, on, or left unattended in the immediate proximity of the car

Loss or damage to non- standard audio / visual and other non-standard in-car entertainment
No Claims Bonus (NCB) Protection is only available if you have earned at least 4 years NCB at inception of the policy
Uninsured driver promise will only apply once we prove the accident was not your fault and you provide details of the uninsured driver if possible

Please read the policy wording for full terms, conditions, exclusions and excesses.

How to activate your cover.

You should activate your cover at least 48 hours before collecting your new BMW. Your BMW Retailer will provide you with the following information:

Vehicle registration number
Confirmed BMW vehicle collection date
Your unique Order Number
BMW Retailer Number (please ask your BMW Retailer for this if it has not been provided)

Once you have these details, you can activate your cover online and subject to eligibility we will set up your 12 months free insurance. This offer may be changed or removed at any point.

Activate your cover