BMW Flex Car Insurance is a fully comprehensive monthly subscription policy designed for your BMW to give you total peace of mind, and total flexibility.


Trusted by BMW drivers and awarded a Defaqto 5 Star rating, BMW Flex Car Insurance provides one of the highest quality offerings in the market.

It’s not just any insurance policy but an investment in maintaining your BMW beyond the drive. Enjoy the following core benefits, meaning you can get into the driving seat and on the road with peace of mind.

To apply for quote, or for existing customers to make a claim, visit


  • Guaranteed option of BMW Approved Bodyshop repair in the UK

  • Use of a courtesy car whilst your car is being repaired

  • Uninsured Driver Promise – protecting your No Claims Bonus and policy excess if an accident was the fault of an uninsured driver 

  • Roof Box cover up to £750 

  • 24 hour UK recovery in the event of an accident

  • Replacement child car seats in the event of an accident

  • Sole glass replacement or repair will not affect your No Claims Bonus

  • Enjoy 90 days’ full policy cover in a 12-month period when you visit the EU 

  • Up to £1,000 cover for replacement vehicle keys and locks 

  • Cover for Personal Accidents involving the car up to £20,000 per person and Medical Expenses related to a car accident up to £500 

  • Car contents and personal belongings cover up to £1,000 


  • Maximum driver age 85 years old 

  • Minimum driver age of 30 years old for some high performance models 

  • Vehicles valued over £75,000 and high performance vehicles will require a Thatcham approved tracking device with an active subscription 

  • Have held a full UK/EU licence for at least one year 

  • UK residents only 

  • Have had no more than three at-fault claims in the past five years 

  • Have a maximum of three minor driving convictions in the past five years and no major convictions 

  • Young/inexperienced driver excesses may apply 

  • You must be able to pass an identity check at your address 

  • Specific offer, terms, conditions, exclusions and excesses may vary 

  • Other terms, conditions, exclusions and excesses apply 

Please read the policy wording for full terms, conditions, exclusions and excesses.

If you purchased your BMW before 4 September 2018 - Click Here

If you purchased your BMW after 4 September 2018 - Click Here