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BMW Motorrad motorbike insurance review

Motorbike insurance through BMW Motorrad is designed specifically for owners of BMW bikes. The insurance broker says it offers its riders a wealth of protection on top of the standard levels of cover at no extra cost. Find out what these are and what else this motorbike insurance provider can offer in our analysis.

As the name suggests, BMW Motorrad motorbike insurance is purely for BMW riders. You’ll have the option to add a second rider to your policy free of charge and the benefit of getting legal expenses, European use, and helmet and leathers cover included as standard. Here’s what else we think you should know.

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Who is BMW Motorrad?

As well as being the official finance provider of BMW Motorrad, BMW Motorrad Financial Services is a motorbike insurance broker that sources insurance products specifically designed for riders of BMW motorbikes.

BMW motorbike insurance is arranged by Devitt Insurance Services Limited. The broker is authorised and regulated by the Financial Conduct Authority.

What are BMW Motorrad’s levels of cover?

BMW Motorrad offers the three standard types of motorbike cover:

  • Third party (TP). The legal minimum level of cover required in the UK, third party protects you if your motorbike is involved in an accident and ends up damaging another vehicle (and it covers any injuries to someone else). What it won’t cover are the costs related to repairing your bike or medical bills relating to personal injuries.
  • Third party, fire and theft (TPFT). You’ll get protection if you’re in an accident that damages or injures a third party and their property, and you’ll have cover if your bike is destroyed by fire or even stolen. Be aware that although this provides slightly more cover, you still won’t have any protection for damage to your bike or personal injuries after an accident.
  • Comprehensive. You’ll get the most cover with this. It provides the same protection as third party fire and theft but it will cover your bike if it’s damaged after an accident, provide money for a new bike if yours is declared a write off and cover you for any personal injuries. It’s always worth checking the cost of comprehensive as it can be cheaper than TP or TPFT.

What types of motorbike insurance are available?

  • Multi-bike insurance. Add a BMW or non-BMW motorbike onto an existing motorbike policy.

What is covered under my motorbike policy with BMW Motorrad?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people
Fire and theft
Accidental damage
Legal expenses
365 day European cover

Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

BMW Motorrad offers optional extras to provide increased protection in certain areas. Some of these are:

  • Shortfall insurance. If your motorbike is declared a total loss, this “gap insurance”, will bridge the gap between an insurance settlement and either the amount you paid for your motorbike or the outstanding balance under your finance agreement.
  • Tyre insurance. Repair or replacement if your tyres are maliciously or accidentally damaged.
  • Insurance warranty and insured emergency service. Covers the cost of replacement parts or repairs.

General exclusions

Any motorbike cover offered by BMW Motorrad is likely to become invalid if any of the following arises:

  • You change the use of your motorbike from its original use. For example, changing from social, domestic and pleasure to business use.
  • Your motorbike is being used by a rider not named on your policy or by a person that does not have a valid motorcycle licence.
  • You use your motorbike at rallies, races or competitions.
  • You get paid to carry pillions.
  • You fail to pay for your premium.
  • You change your motorbike during the policy term to a motorbike that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your motorbike insurance policy through BMW Motorrad

  • Increasing security. If your motorbike is not currently fitted with an alarm, think about adding one to reduce your premium.
  • Having a secure location to park your motorbike. Motorbikes kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Fewer riders. Only add riders to your policy that regularly ride your motorbike.
  • Ride safely. Safer drivers spend less on motorbike insurance – a history of speeding tickets or claims against your insurance will increase the cost.
  • Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.

What is my excess?

Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your motorbike and your riding experience.

A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should lower your premium.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for BMW Motorrad?

To make a claim, call the BMW Motorrad claims handler 4th Dimension on 0345 504 0348. This 24-hour claims line is open sevens days a week.

You will need to provide your policy details, personal contact details and information relating to the incident and claim.

It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

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Frequently asked questions


Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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