Welcome to BMW Flex Car Insurance.

BMW Flex Car Insurance is a fully comprehensive monthly subscription policy designed for your BMW to give you total peace of mind, and total flexibility. Trusted by BMW drivers and awarded a Defaqto 5 Star rating, it provides one of the highest quality offerings in the market.

Current offers.

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Save on more than just fuel.
Finance an Approved Used BMW i3 with BMW Financial Services and get up to £1,000 in total towards your BMW Flex Car Insurance comprehensive cover.
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Your BMW Car Insurance – a special thank you from us.
As a thank you for buying BMW Flex Car Insurance for your new or Approved Used BMW we will give you a discount of up to £40 after you’ve been with us for 6 months.
Offer terms

Core policy features.

Treat your BMW right.
Repairs guaranteed for 5 years, performed by qualified BMW technicians with BMW parts – keeping your BMW in the best condition.
BMW network courtesy car.
Courtesy car included as standard even if your vehicle is stolen and not recovered or beyond economical repair.
Fully Flex.
There’s no tie-in, no up-front deposits and no interest charges. You can cancel or make changes any time – this is a simple monthly subscription that works for life today.
See what’s under the hood and understand what affects your premium with your unique WriskScore™.
Easy access.
Set up and manage your policy anytime, anywhere. It takes only a few taps and changes apply immediately – no waiting for paperwork or estimates or call centres.
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.
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 (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
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

Existing customers.

What type of policy do you have?
Promotional offer terms.
6 month loyalty bonus
  • All new and Approved Used BMWs sold by an authorised BMW Centre
  • Policy activated within 1 month of car purchase
  • Discount is not refundable and cannot be used in conjunction with another BMW Flex Car Insurance promotion
  • Discount does not apply to optional extras
  • Offer available for eligible BMWs purchased between 1 July 2021 and 31 December 2021
BMW i3
  • Available for eligible customers between 1 August and 31 December 2021
  • Sold by participating BMW Retailers
  • Discount is applied in 12 equal instalments of up to £83.34 each month in the first year of your policy
  • Any premium above £83.34 and optional add-ons are charged monthly by Direct Debit
  • Policy must be activated online within 1 month of starting your finance agreement
  • Offer is not refundable and cannot be used in conjunction with another BMW Flex Car Insurance promotion
  • The promotion is not transferable to another car
  • If your finance agreement comes to an end, this promotion will cease and you will need to pay for future insurance premiums
  • Premium contribution is offered by BMW Financial Services (GB) Limited
  • Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Terms and conditions apply
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.

This insurance is underwritten by Highway Insurance Company Limited. Highway is a registered trade mark and Highway and Highway Insurance are trading styles of the Liverpool Victoria Group of Companies. LV= and Liverpool Victoria are registered trade marks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. Highway Insurance Company Limited, registered in England and Wales number 3730662 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202972. Registered address for both companies: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333.

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.
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