BMW

BMW Insurance offers car insurance. Unlike most similar insurers, BMW Insurance doesn't offer car insurance exclusively to BMW owners.

For consumers with BMWs, BMW Insurance offers specialist cover to BMW owners, such as using genuine original parts during repairs.

Its policies are underwritten by Highway Insurance Company Limited,  a trading name of LV=.

BMW's parent company - the BMW automobile manufacturer - was founded in 1916 and currently has its head quarters in Munich Germany.

BMW Financial Services was established in 1987 and is based in Farnborough, Hampshire.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Car insurance

1 product reviewed

Electric Car Insurance

1 product reviewed

BMW

Car Insurance

Feature Value
Courtesy car for duration of repair Yes
Uninsured driver promise Yes
Cover limit for lost keys
£1,000.00
24hr helpline available Yes
New car replacement Yes
Courtesy car provided if stolen / total loss Yes
Windscreen repair excess
£0.00
Windscreen replacement excess
£100.00
Cover limit for stolen keys
£1,000.00
Cover for replacing original audio/visual equipment
Unlimited
Repairs guarantee (years)
5 years
Vandalism Yes

Motor Legal Cover

1 product reviewed

BMW

Motor Legal Protection

Feature Value
Uninsured loss recovery Limit
£100,000.00
Personal Injury limit
£100,000.00
Motor Prosecution defence Limit
£100,000.00
Uninsured driver benefit No
Consumer Disputes Limit
£100,000.00
Database Disputes Limit
£100,000.00
Vehicle Cloning Limit
£100,000.00
Uninsured driver benefit (Minimum pay out)
£0.00

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Car insurance

Ranked 2nd of 49 providers reviewed

Customer happiness score 73.61%
Customer trust score 76.22%
Complaints performance 64.81%
Transparency rating 69.84%

Fairer Finance Score

Reviewed Autumn 2026

 71.12%