Get cheaper insurance for your BMW
If you drive one of the powerful BMW series hatches, coupes or executive cars available these days, you’ll probably be facing high insurance costs. This is doubly true if you’re a young driver or have a history of motoring convictions.
At Adrian Flux, we know a lot about the kinds of drivers who buy performance BMWs – and we pull out all the stops to get you the best deal.
For instance, we know that other insurers have got the BMW community all wrong, because drivers who love cars as much as you do take extra special care of them and that means you’re less likely to make a claim. And because we know this, we’re usually able to get you a better quote than most mainstream insurance companies.
Get an Insurance for BMW Cars Quote
Which BMW models do you cover?
We cover all BMW models, whether your car is a modified 318i, Z3 Roadster, BMW M3, X5 4×4 or the latest 8 Series. Our many specialist schemes allow us to secure you competitive insurance deals.
In fact, we can offer low-cost insurance cover to all drivers of hot hatch cars, including young and convicted drivers. Plus, we tailor cover to suit your needs and budget.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Company Car NCB
Company Car No Claims Bonus
Many insurers are unwilling to accept bonuses earned in company cars on private car policies, which can leave drivers unfairly paying over the odds for insurance, despite their many years of claim-free driving.
At Adrian Flux, we work with insurance companies that accept company car no claims bonus to help you get a fair deal on your private car insurance.
Once we receive confirmation from your employer or ex-employer of how many years company car insurance no claims bonus you earned, we can apply an equivalent discount to the insurance quote for your own car.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Public Liability
Public Liability Car Insurance From £19.99
Protect yourself from liability costs with our public liability car insurance, available from . Ideal in the event you or your vehicle damages someone else’s property or causes accidental bodily injury.
Public liability car insurance can protect you should you:
Display your car in a car show or exhibit: give us a call if you regularly attend and exhibit in car shows and you require legal cover.
Work as a driving instructor: we offer driving instructor insurance for ADIs and PDIs. Public liability cover can be added to your insurance with little extra fuss.
Work as a courier: you can easily add public liability cover to your self-employed courier van insurance.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as .
Get an Insurance for BMW Cars Quote
How can I save money on insurance for my BMW?
We offer discounts on insurance for your BMW for a whole host of reasons:
- Experience of driving your BMW or another performance car
- Limited mileage, perfect if your BMW is your second car
- Up to 15% off for owners club and forum members
- Security precautions like dash cams
- Keeping your car in your garage
- Up to 15% off for PassPlus, IAM RoadSmart and RoSPA qualifications
How much does it cost to insure a BMW?
Insurance for a BMW can be surprisingly affordable. If you tick any of the boxes above, you might be able to save hundreds on your quote. And even if none apply to you, give us a call anyway; our cheapest quotes are available over the phone.
Are BMWs expensive to insure?
Although high-powered cars are often viewed as a higher risk, we know that this isn’t always the case. We know that if you’ve bought a BMW, chances are you’re a performance enthusiast and will take good care of your pride and joy. So even if you’re a young or convicted driver with a passion for classic or modern BMW cars, we can help.
Can I get cheap BMW insurance as a young driver?
We aim to get you an affordable quote even if you’ve recently passed your driving test. We can often do this by putting you on a black box insurance policy, which rewards safe driving by reduce your insurance premiums. Note that your insurance premiums will also depend on a number of other factors, including where you live, your driving experience, and your no claims bonus.
Over 81% of customers who got an online quote could have saved money if they’d called us instead
FAQs
What insurance groups do BMWs fall under?
This will vary depending on your BMW series and model.
- BMW 1 Series: insurance groups 17-36
- BMW 2 Series: insurance groups 10-50
- BMW 3 Series: insurance groups 23-42
- BMW 4 Series: insurance groups 23-50
- BMW 5 Series: insurance groups 28-50
- BMW 6 Series: insurance groups 40-50
- BMW 7 Series: insurance groups 44-50
- BMW 8 Series: insurance groups 44-50