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 121,000 like-minded people who insure their BMW with us

121,555 people insured their BMW with us (correct at 11 January 2024)

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! Find out more about driving in the EU
  • 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 i4 and iX

So, where do BMW stand on electric cars? 

Here's the lowdown:


The new BMW I4 will provide a range of up to 367 miles.

The entry-level iX xDrive40 will serve up 326PS and provide a maximum range of 257 miles from its 70kWh battery.

A more potent xDrive50 version will also be offered, with 523PS and a range of 380 miles thanks to a 100kWh battery.

First purely electric performance car from BMW M 

There will be three versions of the i4 at launch: i4 eDrive40 in Sport and M Sport Trim and the i4 M50, the company’s first purely electric performance car from BMW M.


The eDrive40 uses a 340PS electric motor to power the rear wheels, while the i4 M50 will come with electric motors at both the front and rear axle with a combined maximum output of 544PS. Both use an 84kWh battery, providing a range of up to 367 miles.


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

  • Given the prestigious Defaqto 5 Star Rating 
  • A Which? Recommended Provider for 10 years running
  • LV= car insurance rated 4.7 out of 5 based on 5,215 customer reviews independently verified by Feefo
    Correct as of 16 April 2024

Now sit back, relax and start your quote