BMW car insurance guide

Different models have different insurance ratings. For example, a BMW 1 Series will often cost less to insure than a BMW X5 or BMW 7 Series.

Cars with larger or more powerful engines are often more expensive to insure because they may be considered higher risk.

Some BMWs can be attractive to thieves because of their value and parts. Insurers take theft data into account when calculating premiums.

Premium vehicles can require specialist repairs and genuine manufacturer parts, which may cost more than repairs on some other cars.

Younger or less experienced drivers often pay more because they're statistically more likely to make a claim.

Insurance costs can be higher in areas with more accidents, vehicle crime or claims.

Drivers with a good claims history and no driving convictions may benefit from lower premiums.

A newer or higher-specification BMW may benefit from a more comprehensive level of cover.

If you drive long distances or commute regularly, you'll want cover that matches how you use your vehicle.

Electric BMWs may have different repair and replacement costs. Make sure your policy is suitable for your vehicle type.

Optional extras such as Breakdown Cover, Car Key Cover and Motor Legal Protection may be useful depending on how you use your car.

Parking your BMW in a garage, fitting approved security devices and keeping keys secure may help reduce the risk of theft.

BMW insurance can be more expensive than some other car brands. That's because many models have higher values, more powerful engines and specialist parts.

However, insurance costs vary between models. For example, a BMW 1 Series will often cost less to insure than a BMW 5 Series, X5 or 7 Series.

Your age, driving history, postcode and annual mileage will also affect the price you pay.

Smaller BMW models with lower-powered engines are usually the cheapest to insure.

Many BMW 1 Series models fall into lower insurance groups than larger BMW vehicles. That makes them a popular choice for drivers looking to keep insurance costs down.

The cheapest model for you will depend on your personal circumstances as well as the car itself.

Insurers are moving away from the traditional insurance group system. New cars are being assessed more using the Vehicle Risk Rating (VRR) system. This scores them from 1 to 99 based on things like repair costs, performance, safety and security.

BMW 1 Series models tend to sit in lower to mid-range ratings. That's compared with larger or higher-performance BMW models. But the exact rating depends on the model, engine size and trim level.

There's no standard cost for BMW 3 Series insurance.

The price depends on things like:

BMW 3 Series models generally cost more to insure than many 1 Series models. That's because they can have more powerful engines and higher repair costs.

BMWs often use specialist parts, advanced technology and manufacturer-approved repair methods. That means some BMW repairs can cost more than repairs to non-premium cars.

Repair costs are one reason why insurance can be higher for certain BMW models.

Yes. BMW drivers can add optional Breakdown Cover with Tesco Car Insurance.

All levels of cover come with 24-hour UK roadside assistance (when you're more than 1/4 mile away from your home). And you'll get expert help from the RAC.

Tesco Car Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.

Optional extras insurers:

You’ll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.

The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.

Please make sure that you read the version applicable to your start date or renewal. You can find this date in the sections of the policy terms applicable to the cover you selected.

You can view any documents and make changes to your policy online in 'Your Insurance Account’.

You can access your policy booklet below:

You’re eligible for a 10% Multi Car discount on Tesco Car Insurance if the following apply:

You’re not eligible for this offer if you get a quote or buy a policy:

or

The discount doesn’t apply to optional extras.

We’ll apply your Multi Car discount automatically when:

We'll apply the Multi Car discount to your additional policy at:

Provided that:

We'll remove the Multi Car discount if:

In that case, we won't apply the discount to your additional policy at its next renewal.

This offer is available to new and renewing customers and is available on both price comparison websites and direct from Tesco Insurance.

Data may be obtained from and shared with the wider Tesco Group, credit reference agencies and fraud prevention agencies on an ongoing basis.

We will carry out a soft credit search with TransUnion when generating a quote for you. We do this to assess whether we think you can afford to take the product. If you buy a policy and choose to pay monthly, this search will become visible to other credit providers.

Information on how your data is collected and how your personal data is used (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice.

Tesco Personal Finance Ltd takes the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our privacy notice.

We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase; or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.

We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out financial and insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.

We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.

Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK Residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you on an ongoing basis.

By proceeding with your application you acknowledge we can use your data in this way.

Please see our privacy notice if you would like to know more.

In the car insurance policy booklet, for cancellation rights and the refunds that apply, please read section 9.11. How to Cancel Your Policy. For details of who we are and the services we provide, please read section 1. Welcome. For fees & charges information please read section 9.9: