Tailored BMW 4×4 insurance
We understand that no two BMW 4X4 owners are the same. Whether your BMW X5 is your family’s trusted choice for city commutes or your BMW X3 is your go-to for your countryside adventures, we tailor insurance to fit your unique lifestyle.
Our bespoke policies offer features to protect your vehicle wherever your journey takes off. From agreed value cover to protection for modifications, we ensure your BMW 4×4 is insured with expertise.
Get a BMW 4×4 Insurance Quote
How can I reduce the costs of my BMW 4×4 insurance?
You can keep your premiums low by telling us about your low mileage or garage storage. Installing a quality alarm system and sharing details about any modifications could also help reduce costs. Plus, joining an owner’s club can earn you extra discounts Every quote is calculated individually, ensuring we provide the best coverage for your specific needs.
Why do I need specialist BMW 4×4 insurance?
When it comes to insuring your BMW 4×4, a standard car insurance policy may not always provide the level of protection you need. Standard car insurance won’t provide coverage if you decide to drive off-road or partake in green laning. Specialist cover ensures that all aspects of your vehicle are properly protected.
Our policies are designed to provide comprehensive, flexible cover that standard insurers may not offer.
Additionally, specialist schemes are often more competitively priced, as they are designed with a deep understanding of the risks and usage associated with 4×4 vehicles.
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 a BMW 4×4 Insurance Quote
Why choose Adrian Flux for your car insurance?
BMW 4X4s are high-performance vehicles that deserve more than just a standard policy That’s why our policies include:
- Free legal cover up to £100,000
- Laid-up cover for restoration projects or if your vehicle is having a break from the road
- Limited mileage deals
- Discounts of up to 15% for owners club and forum members
- Cover for modified cars
- Up to 90 days’ cover in the EU or further afield
FAQs
How much is a BMW 4×4 to insure?
The cost of insuring your BMW 4X4 depends on various factors such as your driving history, where you live, and how often you use your vehicle. As a specialist insurance provider, we tailor every quote to your exact needs. To find out how much your insurance will cost, it’s best to call us for a personalised quote. We will assess your needs and provide a quote that works for you.
Can I insure my BMW 4X4 if it’s imported or left-hand drive?
Yes, we specialise in providing insurance for both imported and left-hand drive. Whether your BMW 4×4 is an imported model from the EU or US, or it’s a left hand drive vehicle, our team of specialists will find you the right cover.