BMW Premier Motor Insurance.

The cover your BMW deserves.

BMW Premier Motor Insurance offers you the flexibility to choose cover that suits you and your BMW. It’s been specifically designed with BMW in mind, putting the decision-making power back in your hands, so you can keep your BMW on the road in a way that suits you.

BMW Premier Motor Insurance gives you the freedom to choose your repairer, with repairs carried out to BMW standards to ensure you get the outcome that your BMW deserve.

Get a different standard of cover with:

New Genuine BMW parts[1]

Choice of Accredited BMW Repairer[2]

New for old replacement after a total loss – less than 3 years old[3]

No extra cost to pay by the month[4]

Added benefits with BMW Premier Motor Insurance.

While you can’t plan for every moment on the road, you can choose cover engineered to support your BMW when it matters most.

BMW Premier Motor Insurance is made to complement the way you drive and the way you live.

Additional Benefits Maximum Amounts
New for old replacement after a total loss – less than 3 years old[3] Included
Child seat or baby capsules cover Up to $500 for any one incident
Emergency repairs Up to $500 for any one incident
Emergency accommodation and travelling expenses Up to $1,000 any one incident and more than 100km from home
Lock re-keying/re-coding Up to $1,000 any one incident
Personal items Up to $1,000 any one incident
Staying mobile following a not at fault collision[5] Rental car up to 30 days, $100 per day maximum
Staying mobile following theft[5] Rental car up to 30 days, $100 per day maximum
Towing Reasonable costs
Trailer and Caravan cover Up to $1,000 or market value whichever is the lesser
Transportation costs Up to $500 any one incident
Legal Liability Up to $20,000,000 any one event or series of events
Pay your premium by the month[4] No extra cost

Choose Cover With Confidence.

We offer you the choice to create a policy tailored to your individual requirements. Enjoy the flexibility to choose your options, control the level of coverage for your vehicle and the premium you pay.

Optional benefits you can add Maximum Amounts
Removal of basic excess for tyre claims 2 replacements or repairs in any period of insurance
Removal of basic excess for windscreen claims 1 replacement and 2 repairs in any period of insurance
Staying mobile following an accident[5] Rental car up to 30 days, $100 per day maximum
Tools of trade $3,000 any one incident
Options you can select to decrease your premium[6]  
Named driver option Unnamed driver excess of $2,500 applies for any one claim
Adjust your Basic excess You may be able to increase your excess to reduce your premium

Designed for your BMW. Built around you.

Expert BMW repairs, cover for the unexpected, and a dedicated team by your side. BMW Premier Motor Insurance is designed to give you clarity and greater control when it really counts, so you can drive with confidence.

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BMW Specific repairs

BMW Premier Motor Insurance offers dependable coverage designed with your BMW in mind. If your BMW is damaged, you have the choice to repair² it at an accredited BMW Bodyshop⁷, using genuine BMW parts¹ and in line with BMW standards. So, you can drive with confidence knowing your vehicle is in expert hands.

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Comprehensive protection – when you need it.

Whether it’s an unexpected event or an accident where you’re responsible, our tailored coverage options can help protect you against financial claims from others. Comprehensive protection means you can focus on what matters – the road ahead.

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Dedicated BMW Support

The BMW Insurance Customer Service Team at Allianz are there for you in the event of an accident. They’ll support you through the entire process – from the initial report to the final resolution.

Frequently asked questions.

1. Who and what would my policy cover?

Your new BMW

BMW Premier Motor Insurance has flexible policy options that enable you to tailor your cover. Premiums are based on individual circumstances and the level of excess you choose. Generally, a lower excess reduces what you pay when claiming, while a higher excess may lower your premiums. For a quote, contact your Business Manager at your BMW Dealership.

Your used BMW

Protect it like it’s new with BMW Premier Motor Insurance.

BMW Premier Motor Insurance protects the integrity of your used BMW. You have the choice2 of an accredited BMW Bodyshop, with BMW certified technicians7 that install genuine parts1 with specialised BMW equipment7.

With BMW Premier Motor Insurance, you get cover built for your BMW.

New BMW Genuine Parts

BMW Genuine Parts1 are specifically designed, tested, approved and manufactured to meet the highest standards, ensuring the continued reliability, performance and longevity of your BMW.

Your fully electric BMW or plug-in hybrid

We have designed one product that offers coverage for petrol, hybrid and electric vehicles.

When it comes to EV coverage, we stand out from the rest. BMW Premier Motor Insurance comes with EV-friendly features.

We can cover you for battery fires, accidental damage to your charging cables, wall mounts and wall chargers8.

2. How much does BMW Premier Motor Insurance cost?

Each insurance company calculates the cost of vehicle insurance differently.

The cost of your BMW Premier Motor Insurance is determined by a range of factors.

When calculating your insurance premium, we consider factors such as:

  • the age, driving experience and claims history of the person who drives the vehicle most
  • the year, make and model of your vehicle
  • the location your vehicle is parked

For a quote, contact your Business Manager at your BMW Dealership.

3. How much does it cost to insure a BMW electric vehicle?

There are many factors that may influence the cost of vehicle insurance (see point 2), including whether your BMW is an electric vehicle.

Sometimes electric vehicles may be more expensive to insure than traditional petrol or diesel vehicle. There are a few reasons for this:

• Batteries are costly to produce, source and replace.

• In some cases, parts may need to be imported for repairs.

• Some repairers may not be able to repair your electric vehicle – they may need to go to a specialist.

• Assessing and repairing damaged electric vehicles can be more costly and time-consuming.

4. How electric vehicle drivers can save on BMW Premier Motor Insurance?

Increasing your Basic excess6

The excess is a specified amount you need to pay when you make a claim. By increasing the excess, you may be able to lower your premium. This is only available with Comprehensive BMW Premier Motor Insurance.

Reducing the amount you drive

When you get a quote, we’ll ask you how much you use your vehicle. You may be able to get a reduced premium depending on the kilometres you drive.

Everything you need – all in one place.

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Get the information you need

Ask your authorised dealer for more information or contact our BMW Insurance Customer Contact centre on 1300 808 030.

Contact Us

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Get to know your insurance better.

Up for some light reading? Download our Product Disclosure Statement for a summary of standard terms, conditions, limits and exclusions of cover.

Download a PDS

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You have an existing policy

Please call us on 1300 808 030 to make any changes to your policy.

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Need to lodge a claim?

Make a BMW Premier Motor Insurance claim online, with 24/7 access to our Online Claims Portal.

Lodge your claim

Overseas models shown. Local specification may vary.

* The insurer of this BMW Premier Motor Insurance is Allianz Australia Insurance Limited ABN 15 000 122 850, AFS Licence Number 234708. 10 Carrington Street Sydney NSW 2000. In arranging this insurance BMW Financial Services, a division of BMW Australia Finance Limited ABN 78 007 101 715 and the authorised dealers act on behalf of Allianz and not as your agent. Neither BMW Financial Services nor any of its related companies have any liability in respect of this policy.

We do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Cover subject to policy terms, conditions, limits and exclusions. Please consider the Product Disclosure Statement (PDS). The Target Market Determination is available by calling us. If you purchase this insurance, we receive a commission from Allianz. For further information or assistance please contact 1300 808 030.

[1] If we accept a claim but are unable to fix a damaged part, where available in Australia at time of repair, we will use a new genuine manufacturer part. If new, genuine is not available, we will use genuine reconditioned or recycled manufacturer parts or Australian Design Rules certified new, recycled or reconditioned parts.

[2] Allianz may authorise repairs at your repairer of choice; pay you the reasonable costs of repairing your vehicle; or move your vehicle to another repairer we both agree upon. We will act reasonable in doing so.

[3] If your vehicle is a total loss, you purchased it new or as a demo and it’s less than 3 years old from its first registration and subject to financier approval (if applicable), we will replace it with a new vehicle of the same make, model, engine size, features and paint type including any modifications, options and accessories, so long as it is available in Australia.

[4] Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

[5] Rental or loan car up to $100 per day or daily travel allowance of up to $50 per day for a maximum of 30 days.

[6] Minimum premiums may apply. Any discounts / entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts / entitlements. Discounts may not be applied to the premium for optional benefits.

[7] If you chose an accredited BMW repairer.

[8] EV charging accessories, including charging cables, wall chargers, and mounts, must be owned by the insured.