BMW Flex Car Insurance is a Defaqto five-star rated insurance policy designed by BMW Insurance Solutions. Offering you the extra peace of mind of having your new car protected by someone who really understands BMW. With BMW Flex Insurance you will benefit from:

  • Guaranteed option of BMW Approved Bodyshop repair in the UK
  • Uninsured Driver Promise – protecting your No Claims Bonus and policy excess if an accident was the fault of an uninsured driver
  • Use of a courtesy car whilst your car is being repaired
  • 24 hour UK recovery 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
  • Replacement child car seats in the event of an accident
  • 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
  • Roof Box cover up to £750

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Smiling couple with a BMW - Barretts

Your BMW Car Insurance - a special thank you from us.

As a thank you for buying BMW Car Insurance for your new or Approved Used BMW, we will give you a discount of up to £40 from your next month's premium or your entire premium amount if less, when you’ve been with us for 6 months.*

*Offer terms and conditions:

  • Available for all new and Approved Used BMWs sold by an authorised BMW Centre.
  • Policy activated within 1 month of car purchase
  • Discount is not refundable
  • Offer available for eligible BMWs purchased between 1 July 2021 and 31 December 2021
  • Discount does not apply to optional extras

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  • This is a monthly insurance policy exclusively available to new BMW owners who purchased in the UK
  • Visit get a quote
  • Payments are taken monthly by Direct Debit with no fees or interest charged
  • No cancellation or mid-term adjustment fees (subject to no change in monthly premium)


  • The maximum driver age is 85 years old
  • Minimum driver age of 30 Years old for some high-performance models
  • Young/inexperienced driver excesses may apply
  • Must have a full UK/EU driving licence held for a minimum of one year
  • UK residents only
  • You must be able to pass an identity check at your address
  • 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
  • Some high performance and higher value vehicles may require a Thatcham approved tracking device Terms, conditions, exclusions and excesses apply

Terms, conditions and exclusions apply. BMW Car Insurance is managed and administered by Wrisk Transfer Limited, registered in England and Wales with company number 10657213 and its registered office is at 25 Moorgate, London, EC2R 6AY. Wrisk Transfer Limited is authorised and regulated by the Financial Conduct Authority (FCA) - reference number 788062. The FCA’s register can be checked for details of their permissions, history and contact details.

BMW Insurance Solutions is a trading name of BMW Financial Services (GB) Limited, registered office: Summit ONE, Summit Avenue, Farnborough, Hampshire, GU14 0FB and Wrisk Transfer Limited are not part of the same corporate group.