Get cheap car insurance quotes for your BMW now
The amount you pay for your premiums will depend on a few things.
Firstly, the model of your BMW will have an impact on price.
All cars are sorted into one of 50 different insurance groups to help insurers decide how much to charge for premiums.
Small, cheap and low powered cars are sorted into the lowest insurance groups, while more expensive, powerful cars are seen as riskier and put in higher insurance groups.
You can use our car insurance group checker tool to find out which group your BMW car falls into.
Insurers take into account lots of other things when calculating what to charge you, too, such as:
You can choose from three levels of car insurance cover:
There will also be the option to add extra protection to your policy. This includes:
Comparing prices is the best way to make sure you're fully covered for the right price.
We’ll just need to know a few things like:
There are a few things you can do which may help lower the price of your BMW motor insurance.
Agreeing to increase the amount you’d pay if you made a claim can mean lower premiums. Always make sure that you’d be able to comfortably cover the excess if you need to
If a more experienced driver also uses your car, adding them to your policy as an additional driver might reduce your premiums
Cars that have been changed from factory standard are considered high-risk by insurers
If you pay monthly, you’ll usually be charged interest
If your BMW already has an alarm and/or immobiliser fitted, you could add a tracker. Check with your insurer whether this would make a difference to your premiums
Premium German car brand BMW began life in 1916 producing aircraft engines. It wasn’t until 1928 that it started producing automobiles.
Now known for its quality, luxury vehicles, BMW produce everything from SUVs to saloons, sporty convertibles to Tourers (Estates), plus the Gran Turismo and Gran Coupe.
You might be offered an insurance package from the dealership when you buy your BMW, but this doesn’t mean it’s a great deal.
Comparing car insurance quotes from multiple providers is the best way to make sure you're getting the right cover at the right price.
Yes, most mainstream car insurers now offer electric car insurance and there are some insurance specialists that offer tailored cover for electric cars, too.
Electric car insurance offers the same three levels of cover as a policy for a petrol or diesel car – TPO, TPFT or fully comprehensive.
But it can include extras like:
If you’re the proud owner of a classic BMW - a cool BMW 328 Roadster or a quirky BMW Isetta, perhaps - you’ll want to make sure it’s protected.
Depending on what you use your classic car for you may be able to use a standard motor insurance policy, but there are also specialist classic car policies available. These can provide extra cover, for instance when you’re displaying your car at a vintage car fair, or while it’s being restored.
Claiming on your car insurance is stressful enough, without the added cost of your excess – and we want to help with that.
If you do need to claim, you'll have to pay your excess first, and then we'll refund up to £250 after your claim's settled.
It really is free. We haven't hidden the cost anywhere.
^Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.