Tailored cover for your electric and hybrid BMW.

With BMW Flex Car Insurance.

BMW Flex Car Insurance is a fully comprehensive monthly insurance subscription designed for your BMW. With extended cover for your electrified BMW – pure electric or plug-in hybrid – it’s not just any insurance policy but an investment in maintaining your BMW beyond the drive.

Here’s what included for your EV or hybrid.

Battery cover

Battery cover.

Your battery is covered against accidental damage, fire and theft – even if you’re leasing it.
Charging cables & box

Charging cables & box.

Your charging cables and wall boxes are covered for accidental damage, fire and theft, too.
Trip hazard

Trip hazard.

You are covered should someone trip over the charging cable while charging your car at home.

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.
Comprehensive cover.
We offer one of the highest levels of protection in the market with uninsured driver cover, UK accident recovery and many more included as standard.
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 and medical expenses related to a car accident up to £500
  • Car contents and personal belongings cover up to £1,000
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 a full/provisional UK or full EU licence
  • 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.

Do I need specialist insurance for my pure electric or plug-in hybrid car?
No, traditional car insurance covers electric cars, but with BMW Flex Car Insurance we provide clear coverage on protecting the things that matter with your electric car like cables, home charging, battery and trip hazards.
Is my battery covered?
Yes, your battery is covered against accidental damage, fire and theft, even if it is leased.
Are electric cars more expensive to insure?
Electric and hybrid cars can be slightly more expensive than petrol or diesel cars, insurers generally give them a higher rating due to the expense of specialist parts and repair. As more electric vehicles become available and the Government’s ban on the production of new diesel and petrol cars, the cost of insurance may reduce.
What happens if someone trips over my cable?
You are covered if someone trips over your cable whilst charging your electric or hybrid car at home or away.
Is my wall box and cables covered?
Your wall box and cables are insured against accidental damage, fire and theft.
Please read the policy wording for full terms, conditions, exclusions and excesses.
BMW Car Insurance is arranged and administered by Wrisk Transfer Limited, registered in England and Wales with company number 10657213 and its registered office is at 45 Gresham Street, London, EC2V 7BG. 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.
Allianz is a trading name of Highway Insurance Company Limited which is part of the Allianz Group, registered in England and Wales number 3730662. 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, Surrey, GU1 1DB.
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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