BMW Insurance

Insure your BMW with esure, how much could you save? Buy today and you'll get:

  • Access to our 24/7 accident helpline
  • 5 Star Defaqto rated cover



Car Icon Banner

BMW Insurance

BMW has a rich, if somewhat complex history and its roots can be traced back to three engine manufacturing companies:

Rapp Moterenwerke Aircraft engine manufacturer
Bayerische Flugzeugwerke (BFw) Aircraft engine manufacturer
Fahrzeugfabrik Eisenach Automobile manufacturer


The first step, which gave rise to BMW was the restructuring of Rapp Moterenwerke, which was later renamed to BMW AG in 1918. A few years later in 1922 the company transferred its engine construction operations, name and logo to BFw. The logo–with some minor variation is still used by BMW to this day. Because BFw was founded in 1916 this is taken as the year BMW AG–more commonly known as BMW, was founded.

Automobile production and early innovation

BMW only began starting producing cars in 1928 after purchasing automobile manufacturer Fahrzeugfabrik Eisenach. Before that, it engineered aircraft engines and motorbikes–dominating racetracks on a global scale, and setting records for altitude and speed. One of the pioneering aircraft engineers who laid the foundations for BMW–Gustav Otto even developed the four-cycle engine, whose technology has contributed to almost every car engine on the road today.

BMW brand history

The history of the BMW’s brand is just as famous as their cars, especially the myth surrounding the origins of the logo. It was originally thought the four blue and white quadrants represented spinning propellers, a nod to its aircraft engine past. However the roundel logo is in fact based on the Rapp logo, one of the ancestral companies, which BMW grew from. The colours of the quadrant are based on the Bavarian Free State colours, but back then using national symbols for commercial purposes was prohibited–so the blue and white were arranged in the opposite order, enabling BMW to use the colours on their logo. It wasn’t until 1929 when the logo made its grand appearance on the front cover of the BMW aircraft magazine that it began to receive notoriety–and where the mistaken idea that the logo symbolised spinning propellers came from.


What does your BMW car insurance with esure cover?

The level of cover we offer our customers is the same regardless of the type of car they insure. When you choose esure Comprehensive Insurance you get all these great benefits:

  • Unlimited cover – if any third party dies or is injured by your car, including passengers.
  • Up to £20 million – to cover any damage you do to another person’s property with your car.
  • Defaqto 5 Star rated – quality cover, at a competitive price.
  • Windscreen cover – for repair and replacement, windows are covered too
  • Courtesy car – so you can keep going while your car is being repaired by our recommended repairers
  • Award winning claims service – Consumer Intelligence Awards 2017
  • 5 years guaranteed repair work – when you use our recommended repairers
  • 24/7 Motoring legal advice line – get your motor legal queries answered.
  • Driving other cars – policy holder only, subject to eligibility

How could I reduce my BMW car insurance quote?

Insuring a BMW can be an expensive business, but there are a number of changes you could make that might reduce what you pay for your car insurance.

  • Park in a garage or driveway – this can make your car less accessible to thieves, and reduces the risk of damage
  • Pay your insurance in full for the year – by paying off the full amount in one go you avoid paying interest on monthly payments
  • Increase your excess – by voluntarily increasing your excess, your insurance quote could be reduced. But you would need to have enough money to pay the excess, if you make a claim. So only do this if you know you will have the money to cover it.

BMW Car Insurance Groups

We insure plenty of BMW models, so have pulled together a list of the insurance groups popular BMWs fall into. Of course we can’t mention every BMW we insure so if your car isn’t on the list, it doesn’t mean to say we won’t insure it. Get a quote today to find out how much you could save.


BMW 1 Series Insurance Groups

The BMW 1 series comes in several body types, hatchback, coupé, and convertible. The hatchback is a compact family car, with a rear-wheel drive, giving it a sportier feel. Due to the varying power of the engines it fits into mid-range insurance groups. The 2007–2013 coupé comes in several trims, Sport, ES, Exclusive Edition, M Sport, SE, and Sport Plus Edition–engine power does differ, and insurance groups range from mid to high. The convertibles like the other body types have a wide engine range–reflective of the trims available, because of this the insurance groups also vary from mid to high.


Please be aware this is a guide only, insurers may group these cars differently.

Model Insurance Group
1-Series Convertible (08–03) 24 - 38
1-Series Coupé (07–13) 22 – 36
1-Series Hatchback (04–11) 17 – 34
1-Series M Coupé (11–11) 42
1-Series Hatchback (11 onwards) 12 – 39


BMW 3 Series Insurance Groups

When people think of the BMW 3 Series they think executive saloon–these cars are just as powerful as they are spacious. Coming in a variety of body types you’re spoiled for choice, depending on what your needs are. From the practical yet powerful coupé that comes in a number of trims, each falling into their respective insurance groups–some being much higher than others. To the saloon, a rear wheel drive car that is just as fuel efficient as it is powerful.


Please be aware this is a guide only, insurers may group these cars differently.

Model Insurance Group
3-Series M3 Coupé (01–06) 42 – 44
3-Series Compact (01–04) 23 – 33
3–Series Saloon (98–05) 23 – 35
3–Series Convertible (00–06) 30 – 39
3–Series Touring (99–05) 25 – 35
3 – Series Coupé (99–06) 29 – 37
3–Series M3 Convertible (01– 06) 44
3–Series M3 (07–13) 44
3–Series Convertible (07–13) 30 – 43
3-Series Coupé (06–13) 25 – 42
3-Series Saloon (05–11) 21 – 38
3–Series Touring (05–12) 21 – 38


BMW X5 Insurance Groups

The BMW X5 was the first ¬SUV BMW brought to the market. The entry-level X5 features a diesel engine–a prominent theme carried throughout the range–given that there are few petrol options on offer. Given the size and power of the car, the X5 appears at the top end of the insurance group classification. If you were to opt for standard trim it includes features such as an electric sunroof and lumbar support in the seats. In contrast the M Sport trim includes sport seats, and a height adjustable driver’s seat. Whatever it is you look for when buying the X5, it’s important to consider the added features–like including sports seats, could push your car into a different insurance group and you could end up paying more for your car insurance.


Please be aware this is a guide only, insurers may group these cars differently.

Model Insurance Group
X5 (00–06) 40 – 50
X5 (07–13) 40 – 50
X5 4X4 (13 onwards) 37 – 50


BMW Z4 Insurance Groups

The BMW Z4 is a range of powerful, sporty two-seat roadster models. Engines are exclusively petrol. Given this car is built for speed, it naturally falls into the higher insurance groups. All cars across the range come with a Dynamic Stability Control safety system, which includes traction control and brake fade compensation. Originally there was only one trim level available, but newer models come with the option of customisation. A sportier trim could put you in a higher insurance group, so keep this in mind when choosing a trim level.


Please be aware this is a guide only, insurers may group these cars differently.

Model Insurance Group
Z4 Coupé (06–08) 44
Z4 Roadster (03–08) 37 – 45
Z4 M (06–08) 45 – 46


BMW X1 Insurance Groups

The BMW X1 is a compact luxury SUV and features both two and four wheel drive options. The crossover hatchback gives you the height of a full sized SUV, without the running costs. It’s also shorter than the 3 Series so if you live in a town or city you could find it easier to manoeuvre and park. The X1 (2015 onwards) has a variety of trims, from the entry level SE through to the top-line M Sport. Insurance groups are relatively mid-range, due to the improvement of safety technology seen in the newer X1 models.


Please be aware this is a guide only, insurers may group these cars differently.

Model Insurance Group
X1 (09–15) 24
X1 SUV (15 onwards) 24 – 34




esure Optional Extras for BMW car insurance

esure offers a range of Optional Extras to boost your car insurance cover. These include:

Motor Legal Protection icon

Motor Legal Protection

Up to £100,000 of cover to help you get back uninsured losses from the at-fault driver. These can include money for lost wages, if you had to take time off work after the accident, or travel expenses while you were without your car. If we think your claim can be successfully pursued in court MLP can pay up to £100,000 towards your legal costs. MLP can also be used to cover your defence up to £100,000 if you’re facing prosecution for a motoring offence.

Breakdown Cover

Breakdown Assistance

We’ve partnered with the RAC, never get stuck on the road again–choose between 4 levels of breakdown cover.

Car Hire

Car Hire Benefit

If your car is a total loss, or stolen and not recovered you might have to wait a while for your claim to be settled–and during that time you won’t have a car. With Car Hire Benefit we’ll pick you up from either your home or work and take you to your hire car, which you could have for up to 21 days while we settle your claim. When your claim is settled, we’ll collect the car within 48 hours.

Personal Injury

Personal Injury Benefit

If you’re injured as an at-fault driver you get minimal cover for your injuries. Personal Injury Benefit increases the amount of cover you get so you’re more protected if you sustain life-changing injuries.

Key Cover

Key Cover

If you lose your car or garage keys, or they are stolen or damaged, our partner the RAC will help you get back on the road again.


Misfuelling Cover

If you put the wrong fuel in your car–providing you don’t turn on the engine, all you have to do is call the RAC and they will arrange to drain the fuel from your engine. esure will reimburse you for the fuel you mistakenly put in your car, providing you have a receipt.

Please note: Misfuelling benefit does not cover fully Electric Vehicles.


Would esure insure my BMW if I were to take it to Europe?

We do offer European car insurance if you wanted to take your BMW to Europe. If you just use your certificate of insurance as proof you’ll be covered at most to a third party only level. But for a small fee you can match your protection to what you have in the UK. To find the full list of European countries we cover, please visit our European car cover page.


You could save money with esure Multicar

More than one car at home? Get Multicar benefits for you, your partner and anyone else who lives with you if they’re over 25.

  • A Multicar discount on all cars once you have two or more cars insured with us. Nice.
  • 1 year quote promise – your Multicar quote will be guaranteed for 1 year if your details don’t change.
  • Separate policies – if you make a claim on one policy it won’t affect the No Claim Discount on the other. Renewal dates are also kept separate so you can insure your cars at different times.


Multicar Icon Banner

esure Car Insurance Reviews



1Parkers. PARKERS Insurance Groups. Available from [Accessed 24 November 2017]