Car insurance for your BMW

Cover your BMW with Defaqto 5 Star rated car insurance 
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Why choose LV= to insure your BMW?

Join over 118,000 like-minded people who insure their BMW with us

118,472 people insured their BMW with us (figures correct at July 2021)

Here's what you'll like about our comprehensive cover...

  • Accidental damage cover
    Scratched or dented your car? We pay for repairs so it's as good as it was before the accident

  • Uninsured driver promise
    If the other driver is not insured and the accident's not your fault, you keep your no claim discount and there's no excess to pay - as long as you have the details of the other vehicle and driver
  • Misfuelling cover
    Accidentally filled your petrol or diesel car with the wrong fuel? It happens. We pay to drain and flush your fuel tank, as well as cover the damage to the car's engine*

    *If you accidentally use E10 rather than E5 there’s no need to drain the tank, just fill with E5 next time.
  • European cover
    Get covered in the EU for up to 180 days a year at the same level as your UK cover. Perfecto! To tow abroad, you may need to apply for a Green Card.
  • Vandalism promise
    If your car is vandalised and you have to claim, you'll keep your no claim discount - you'll just need to pay your excess
  • Replacement child car seats
    We'll replace your child car seats if your car has been in an accident - even if there's no apparent damage
  • New locks and keys
    If your keys are lost or stolen. After all, accidents happen

Have an electric BMW? All this is included as standard...

  • Recovery to the nearest chargepoint 
    Run out of charge in the UK? We'll recover you to the nearest chargepoint. We also have a fleet of vehicles we use in partnership with AFF the national roadside electric vehicle charging assistance company, which can recharge your vehicle and get you on the road again. This won’t affect your NCD and there’s no excess to pay
  • Cover for charging cables
    Charging cables, wall boxes and adaptors are covered for accidental damage, fire and theft
  • Battery cover
    Battery cover for accidental damage, fire and theft – even if you’re leasing it separately from the car
  • Over the air monthly updates (OTA)
    OTA updates are covered as standard when you insure your electric vehicle with us, but if you or the previous owner paid for additional performance upgrades affecting speed or acceleration, we'll need to know. You'll only need to tell us once and not everytime you upgrade.

And if you choose our optional hire car cover:

  • We’ll provide the use of an electric or hybrid hire car if your green machine is off the road

BMW i3 insurance

So, where do BMW stand on electric cars? 

Here's the lowdown:

  • Carbon fibre compartments
    The new BMW i3 and BMW i3s feature carbon fibre passenger compartments which are both lighter and stronger than steel
  • Enhanced battery
    The enhanced 120Ah battery provides you with a driving range of up to 182-188 miles, making it just as practical as its petrol engine equivalent
  • ChargeNow
    BMW has rolled out the ‘ChargeNow’ service with over 6,100 public charging stations, as well as the BMW iWallbox for charging at home
  • Low running cost
    The BMW i3 is more than just the green option. Electric cars have a lower per mile running cost than traditional petrol engines and they’re even exempt from vehicle tax and the London congestion charge (what a perk!). 
  • Low service costs
    With fewer parts to replace than a traditional engine, services are no longer a constant worry or expense.

For more information visit BMW's website.

So, are you ready to go electric? 

BMW Safety features

Most newer BMWs have a number of beneficial safety features

Things like... 

  • Autonomous Emergency Braking (AEB) is a smart safety system that automatically applies the car's brakes. So if the driver doesn't react quickly enough to a hazard ahead, the system can help avoid or mitigate potential collisions.
  • Lane Departure Warning detects lane markings and alerts the driver to an unintentional lane change. If you start to change lane at speeds over 43 MPH without activating the indicator, the car will alert you.
  • Approach Control Warning - flashes a symbol, then emits a warning sound before finally applying the brakes lightly (when travelling at speeds under 37 MPH).
  • Park Assist makes parallel parking and parking in a space easier by measuring potential spaces as you drive past at low speeds. When a large enough gap is found, you turn on the indicator and the BMW takes over the steering so you only have to operate the accelerator, gears and brakes.
  • BMW Head-Up Display projects information such as your current speed, navigation instructions, the speed limit and information and warnings from the driver assist systems onto your windscreen. This allows alerts to be read quickly without you having to take your eyes off the road. It's customisable so you can choose what's displayed.

We're always in top gear when it comes to car cover

Our awards and recognition

  • Which? Recommended Provider for car insurance 
  • Given the prestigious Defaqto 5 Star Rating 

Policy documents

Learn more about the nuts and bolts of our cover – the policy documents are all here

You can get these and other documents from us in Braille, large print or audio by dropping us a line.

Now sit back, relax and start your quote