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BMW Car Insurance

Introducing BMW Flex Car Insurance.

As a current customer of BMW Car Insurance, underwritten by Allianz Insurance Plc, we’re looking forward to welcoming you. BMW Flex Car Insurance continues to provide high-quality cover but now with new features and added flexibility. If you’re 25 days or less from the expiry of your current policy, you can retrieve your quote here.
Retrieve your quote
A simple monthly subscription.
Subscriptions as you know and love. Pay monthly without a tie-in, no up-front deposits or interest charges.
Cancel anytime.
BMW Flex is our take on truly modern car insurance and we would like you to try it. Cancel anytime – no minimum period, no fees, no penalties.
100% PEACE OF MIND.
BMW Flex Car Insurance is fully comprehensive cover designed for your BMW. Defaqto 5 Star rated, it provides one of the highest quality offerings in the market.
At your fingertips.
Set up and manage your policy anytime, anywhere. Changing your details, drivers and add-ons are just a few taps and take effect immediately.
Understand why.
See what’s behind the scenes and understand the things that affect your premium with your unique WriskScore™.
Activating your new policy
  • 25 days before your current annual policy is due to expire, you will be sent an email with your new BMW Flex Car Insurance quote. You will need your Allianz policy number to retrieve your quote online.
  • To save time, your quote will be pre-populated with information provided by Allianz Insurance. Please make sure you check the information we hold for you and any additional drivers is accurate.
  • You’ll be able to easily amend your quote and add or amend the cover to what you need. When you do this, you’ll instantly see how these changes affect your premium. Once you are happy, you can complete the process in a matter of minutes.
Cover highlights
  • 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
  • Even though it’s a monthly policy, if you have continuous cover for 12 months without any claims you still earn a years No Claims Bonus
Key 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
Frequently asked questions
  • Who manages this policy?
    Your BMW Flex policy is arranged by Wrisk Transfer Limited, a Company registered in England under Company number 10657213 and is a wholly owned subsidiary of Wrisk Limited. Registered Address: 25 Moorgate, London, England, EC2R 6AY, United Kingdom. The company is registered in England under company number 09721622. Wrisk Transfer Limited is authorised and regulated by the Financial Conduct Authority under the Financial Services Register number 788062.
  • Who are the underwriters?
    This insurance is underwritten by Highway Insurance Company Limited. LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services 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: 57 Ladymead, Guildford GU1 1DB.
  • Will my No Claims Bonus be protected?
    To continue to protect your No Claims Bonus, you will need to add this to your new Flex policy once you receive your quote. Going forward, you will accrue No Claims Bonus on a 12 monthly basis provided you haven’t incurred any claims.
  • Can I pay for the full year up-front?
    As this policy is designed as a monthly policy enabling you to make changes as and when you need, with changes taking place in real-time and reflected in your premium, it’s not possible to pay for 12 months up-front. We don’t charge more to pay monthly, there is no upfront deposit or interest charged.
  • How do I contact you?
    Due to the impact of COVID-19 (coronavirus), we’re having to work differently and this means that we are running a reduced customer support service. Our self-service help center provides the answers to many common questions but if you still need to contact us, our office hours will be 9–5pm Monday to Friday.
    The best way to get in touch is via our online chat service available at the bottom right of the screen. Here you are also able to search for more articles and information on this product. Alternatively you can call 0330 058 4088.
  • What should I do if I need to make a claim before my new policy starts?
    Please contact your existing insurance provider. If this is Allianz Insurance, please call 0344 391 4089 or follow this link.
Retrieve your quote
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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.