Diversity with individual class.

Diversity with individual class.

The insurance products offer you excellent solutions for personal and vehicle protection. Specifically tailored to meet your needs and extendable with exclusive additional services. From the reliable basic protection with Basic Cover, to comprehensive protection including lots of interesting extras with Top Cover, right up to GAP insurance, which cushions the hardship of a total write-off. You can also fit your financing with a vigilant safety system: payment protection insurance. Discover the range of products and services at competitive rates.

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  • Top Cover*
    The safety reinforcer.
    The most modern drive technology, dynamic design, boundless riding fun. Those who set high standards when it comes to motorcycles should also expect the maximum from their insurance protection. And smart conditions at low rates. Top Cover provides comprehensive protection including lots of attractive extras.

    Scope of coverage.

    Top Cover comprises third party liability for each damage event up to a blanket insured sum of €x million for damage to property, personal injury and financial losses, where damages for personal injury are limited to €x million for each injured person.

    Breakdown cover.

    In the case of damage, the breakdown cover included in the Top Cover rate provides assistance, for instance by salvaging your motorcycle and having it towed away.

    Fully comprehensive and partially comprehensive.

    Fully comprehensive and partially comprehensive insurance can be selected with various excess options.

    x months purchase price compensation.

    If your BMW motorcycle is completely written off due to an accident or theft in the first x months after the registration date, Top Cover will reimburse you with the full purchase price, provided that you choose a new BMW motorcycle.

    Motorcycle clothing and helmet.

    For fully comprehensive damage and damage from game, your original BMW motorcycling clothing and helmet are insured up to a sum of €x (incl. VAT). Provided that you choose original BMW equipment to replace it.

    Overseas insurance.

    In the case of accidents when abroad, we treat damage to our own motorcycle, for which a foreign road user is liable, in accordance with domestic claims settlement. Foreign insurers often do not pay any depreciation or costs for assessors, solicitors and rental vehicles (only fully comp).

    Rodent bites.

    Damage caused by rodent bites and the subsequent damage resulting from this are covered up to €x.

     

     

    * Operated by name of insurance provider. You can find details in the current general conditions for vehicle insurance.

  • Basic Cover*
    Concentrating on what is important.
    Basic Cover allows you to put together your own insurance package according to your needs and requirements. Enjoy reliable basic protection with all the important services of a classic motorcycle insurance.

    Blanket insured sum.

    Basic Cover comprises third party liability for each damage event up to a blanket insured sum of €x million for damage to property, personal injury and financial losses, where damages for personal injury are limited to €x million for each injured person. Partial and fully comprehensive insurance can be selected with various excess options.

    Garage benefit.

    Basic Cover also lets you rest assured that your BMW motorcycle will be professionally repaired with original BMW parts at a BMW Motorrad contractual partner in the event of hull damage.

     

    * Operated by name of insurance provider. You can find details in the current general conditions for name of insurance.

  • Payment protection insurance*
    Adrenaline when riding, calmness when financing.
    With a comforting safety distance from financial risks, the riding pleasure on a BMW motorcycle can be savoured without a care in the world. This is why BMW Financial Services, in collaboration with experienced insurance partners, offer you a compact safety package that will keep up the monthly payments when money is short.

    Safely confronting the future.

    BMW motorcycles combine sensational riding dynamics with state-of-the-art safety technology. You can fit an additional safety feature into your financing: payment protection insurance – in case things don't go according to plan and your liquidity is in question, for instance if you are incapacitated from work due to sickness, an accident or a disability. Payment protection insurance assumes the payment of the monthly instalments from the xth day after becoming incapable of working (the statutory continued payment of wages only lasts until the xth day). If unemployment insurance is optionally concluded, the payment protection insurance assumes the financing instalments in the case of involuntary unemployment. You are not an employee or self-employed the moment you make the claim, and so you are also protected against severe illnesses, unlike unemployment insurance.



    Your advantages at a glance:

    • Assumption of the ongoing monthly instalments in the case of incapacity for work and involuntary unemployment.
    • Financial relief of dependants in the case of death by covering all outstanding instalments.
    • Low monthly insurance premiums.
    • Insurance duration adjusted to meet the loan agreement
    • Protection of your own personal savings
    • No overinsurance
    • Uncomplicated settlement



    * Operated by name of insurance. The respective contractual terms shall apply.

  • GAP insurance*
    A cushioned landing when push comes to shove.
    A vigilant finance partner allows you to stay in control in any situation. Even in the worst case scenario: a total write-off of your BMW motorcycle due to theft or an accident. In situations like these, a solid GAP insurance saves you the sudden financial dilemma of having to buy a new one.

    The shortfall GAP insurance.

    Having to write off your favourite machine is painful enough for any passionate biker. At least you can soften the financial consequences. The shortfall GAP insurance makes up the difference between the cost of replacing the insured BMW and the redemption value from the finance contract on the day of the damage, provided the insured motorcycle has been stolen or has suffered a financial write-off in accordance with the insurance conditions, and this would justify a claim against the comprehensive and vehicle liability insurance.

    * Operated by name of insurance provider. conditions apply.