BMW Flex Car Insurance.

BMW Flex Car Insurance.

No one understands your BMW, like BMW. 


Our brand new Defaqto 5 Star rated BMW Flex Car Insurance is a fully comprehensive monthly subscription insurance policy, designed for your BMW with the same attention to detail given to the creation of your car. It’s not just any insurance policy but an investment in maintaining your Ultimate Driving Machine.

Key Benefits

• 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 


Key Exclusions

• 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

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If you purchased your BMW after 4 September 2018

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Please read the policy wording for full terms, conditions, exclusions and excesses. BMW Flex Car Insurance is managed and administered by Wrisk Transfer Limited, registered in England under company number 10657213 and is a wholly owned subsidiary of Wrisk Limited. Registered Address: 25 Moorgate, London, England, EC2R 6AY, United Kingdom. The company is registered in England under company number 09721622. Wrisk Transfer Ltd is authorised and regulated by the Financial Conduct Authority under the Financial Services Registered number 788062. 


This insurance is underwritten by Highway Insurance Company Limited. Highway is a registered trade mark and Highway and Highway Insurance are trading styles of the Liverpool Victoria Group of Companies. LV= and Liverpool Victoria are registered trade marks of Liverpool Victoria Friendly Society Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria group of companies. Highway Insurance Company Limited, registered in England and Wales number 3730662 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202972. Registered address for both companies: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333. 

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.