BMW insurance – premium protection for your German top class
A BMW stands for German quality, driving pleasure and innovation. Of u nu rijdt in A sportieve 3-serie, A representatieve 5- of 7-serie, A praktische X-SUV of krachtige M– of i-modellen: het verzekeren van uw BMW vraagt om A car insurance that matches value, performance and use. Met een BMW-verzekering via Finass Insures bent u optimaal beschermd tegen schade, diefstal en ongevallen.
BMW insurance in brief
- Specially for all BMW models: 1 to 8 series, X, Z, M and i models.
- Choose from WA, WA+ (limited airframe) and All-risk (complete hull).
- BMW insure as daily car, classic, oldtimer, sports car, luxury car, collection or storage car.
- Possibility to fixed-value insurance (new value, purchase value or appraisal value).
- Extra attention to BMW i and plug-in hybrids, xDrive and M models.
Finass Verzekert compares your BMW insurance with the best insurers, so that you can premium dekking tegen een scherpe Premium gets.
Why insure your BMW properly and tailor-made?
German engineering & value
BMWs often have one high catalog and replacement value en zijn rijk uitgerust met opties. Schadeherstel (carrosserie, elektronica, velgen, interieur) is kostbaar. Een passende BMW-Insurance beschermt u tegen hoge onverwachte kosten.
Sporty and M models
Sporty versions such as M3, M4, M5, M8 en M Performance-modellen zijn krachtig en worden door verzekeraars als hogere risicoklasse gezien. Met een gerichte BMW-Insurance sluiten coverage and premium better suited to this risk profile.
Electric BMW i & hybrid
Models like BMW i3, i4, i5, i7 and iX require specific attention accu, laadsysteem and elektronica. A standard policy does not always cover this optimally. Finass Verzekert pays explicit attention to this.
✔ Insure BMW: compare, calculate and conclude • ✔ Maatwerk voor DAILY CAR, klassieker, oldtimer en sportwagen • ✔ Zowel private and business possible
Which BMW category are you looking for?
The current BMW page at Finass Verzekert works with clear categories. We will adhere to these and further elaborate on them:
DAILY CAR
Your BMW as daily driver for commuting, family and daily traffic.
- often Allrisk or WA+ for younger cars;
- breakdown assistance and alternative transport are recommended;
- ideal for 1-, 2-, 3-, 4-, 5-, and X-series as main car.
CLASSIC: from 10 years old
For BMWs from approx 10 years and older with increased enthusiast value (e.g. E30, E36, E39, older M models).
- youngtimer or classic insurance possible;
- appraised value instead of just current value;
- limited mileage and hobby use.
OLDTIMER: from 25 years old
BMWs from approx 25 years often fall into the classic car segment.
- special classic car and collection policies;
- favorable premium for good storage and limited use;
- ideal for iconic classics and collection cars.
SPORTS CARS
Sporty BMWs such as M series, M Performance, Z models and powerful coupes.
- attention to power, driving behavior and use;
- often All-risk with extensive conditions;
- well suited to enthusiasts and track day drivers (within policy conditions).
LUXURY CARS
For luxury BMWs such as the 5 Series, 7 Series, 8 Series and high-end X models.
- high level of equipment and business commitment;
- often combined with executive transport or VIP transport;
- custom coverage necessary due to high value.
COLLECTION & STORAGE INSURANCE
For one BMW collection or BMWs that are mainly in storage or storage:
- multiple cars under one collection policy;
- storage insurance for cars that are rarely on the road;
- support with valuation and value monitoring.
Benefits of BMW insurance through Finass Verzekert
Extensive coverage
Protection against damage door ongevalland, diefstal, inbraak, vandalisme and natuurrampand (storm, hagel, overstroming – afhankelijk van polis).
fixed-value insurance
Options for new value, purchase value or appraised value scheme, zodat uw BMW bij total loss of diefstal niet allA op dagwaarde wordt vergoed.
Additional options
Wide choice breakdown assistance, legal assistance, passenger insurance, alternative transport en meer – zodat uw BMW-Insurance echt aansluit bij uw wensen.
Special coverage for electric BMWs
Extra attention to electric and hybrid BMWs, such as i4 and iX:
- coverage for propulsion battery and charging system;
- charging cables and (partly) home charging point through home insurance;
- position of software and electronics in case of damage.
FOR: PRIVATE AND BUSINESS
We compare BMW insurance policies private individuals and business users (MKB, ZZP, VvE, Property). Zo krijgt u altijd de best passende dekking voor uw situatie.
Why it is better to be insured with us
Finass Verzekert is there for the customer:
- more than 25 years of experience;
- Personal Contact;
- we compare all relevant insurers;
- very competitive premium and high package discount;
- fast, free cancellation service and assistance in the event of damage.
Possible coverage with BMW insurance
Legal Liability (WA)
This is the basic coverage and cheapest car insurance. De schade die u met uw BMW veroorzaakt aan derdand (letselschade and materiële schade) wordt vergoed, maar niet de schade aan uw eigand BMW.
- mandatory for every registered car;
- lowest premium;
- suitable for older BMWs with low market value.
Limited Airframe (WA plus or WA+)
In addition to third party liability coverage, damage to your own BMW is now also reimbursed for, among other things:
- fire, explosion and short circuit;
- theft, burglary and joyriding;
- storm, hail and other natural damage;
- window damage (star, crack – according to policy conditions);
- collision with stray animals (policy dependent).
Damage to your own BMW that you have caused yourself (for example a collision or parking damage) will be covered not reimbursed with WA+. For that you need Allrisk.
Full Casco (All Risk)
This is the most comprehensive coverage for your BMW. Everything that falls under Limited Casco is reimbursed, but now also:
- all damage to your own car due to your own fault;
- damage due to vandalism (policy dependent);
- damage to unknown or uninsured counterparty.
Many BMW owners choose WA+ or Allrisk. Bij new and young used BMWs is Allrisk vrijwel altijd de beste keuze.
Finass Insures helpt u de juiste dekking te kiezen en legt duidelijk het verschil uit tussen WA, WA+ en Allrisk, inclusief de impact op premie en risico.
BMW models that we insure
BMW 1, 2 and 3 series
- BMW 1 series
- BMW 2 Series (Coupé, Active/Gran Tourer, Gran Coupé)
- BMW 3 Series (Sedan, Touring)
Populaire modellen voor dagelijks gebruik én zakelijk rijden. Ideaal voor WA+, Allrisk of Youngtimerdekking (afhankelijk van leeftijd en gebruik).
BMW 4, 5, 6, 7 and 8 series
- BMW 4 Series (Coupé, Convertible, Gran Coupé)
- BMW 5 series
- BMW 6 series
- BMW 7 series
- BMW 8 series
Luxury mid and top class for demanding drivers. Often with All-risk and value arrangement insured.
BMW X, Z and M series
- BMW X-series (X1 to X7)
- BMW Z series (Z3, Z4, etc.)
- BMW M Series & M Performance
SUVs, roadsters and sporty models with lots of power and options. Customization required for coverage, deductible and use.
We also insure, of course BMW i models (i3, i4, i5, i7, iX, iX3, etc.) en Speciale edities. Staat uw model er niet tussen? Grote kans dat wij deze gewoon kunnen verzekeren.
BMW i, plug-in hybrid and electric insurance
BMW i models (fully electric)
For fully electric BMWs such as i3, i4, i5, i7, iX and iX3 we pay attention to:
- coverage of the drive battery and high-voltage system;
- charging cables and mobile charging units;
- possible coverage of the home charging point via the home insurance;
- specific types of damage (e.g. water damage to battery and electronics).
This way we ensure that your EV costs do not increase unnecessarily in the event of damage or defect.
Plug-in hybrid BMW (PHEV)
For plug-in hybrids (e.g. 330e, 530e, X5 xDrive45e) we look at:
- annual mileage and electric/petrol ratio;
- use (business, private, home-work);
- extra weight and technology due to batteries;
- combination with tax and business aspects.
Finass Verzekert coordinates car insurance, home insurance and any business needs.
What determines the premium of your BMW insurance?
Car & version
- BMW series and model (1 to 8, X, Z, M and i models);
- year of construction, catalog value and current value;
- fuel type (petrol, diesel, hybrid, electric);
- selected coverage (WA, WA+ or Allrisk).
Driver & usage
- age and driving experience of the (main) driver;
- number claim-free years and damage history;
- private, commuting and/or business use;
- annual mileage and type of use (daily driver, hobby, classic).
Risk, storage & extra coverage
- postal code area and local risks;
- storage: street, driveway, parking garage, closed garage;
- amount of deductible in case of hull damage;
- breakdown assistance, passengers, legal assistance, alternative transport;
- package discount for multiple insurance policies.
BMW insurance: compare, calculate and take out doet u eenvoudig via Finass Insures. Bereken direct online uw BMW-premie of vraag een vrijblijvende vergelijking aan.
Calculate BMW car insurance online & take out it immediately
Who is BMW insurance through Finass Verzekert suitable for?
Private BMW driver
For anyone who drives a BMW privately - from compact 1-series to luxurious 7-series or X-model - and a reliable, affordable and clear looking for car insurance.
Business driver & lease driver
For entrepreneurs, managing directors and employees with a BMW as a (partially) business vehicle. We'll see if one private or business insurance best suits your construction.
Sporty and M drivers
For whom one M or sporty BMW model rijdt and wil dat vermogand, tuning and gebruik helder zijn afgestemd met de verzekeraar.
Youngtimer & classic enthusiast
For owners of BMW youngtimers and classics who want to insure appraisal value, met passende Conditions voor stalling en kilometrage.
Family with several cars
For households with multiple cars (e.g. BMW plus second car). This is often the case second car schemes and package discounts.
Anyone who wants certainty in the event of damage
Are you unsure about your current BMW insurance? Finass Insures can free policy check uitvoerand and adviserand over blijvand, aanpassand of overstappand.
Frequently asked questions about BMW insurance
Is a BMW more expensive to insure than an average car?
A BMW often has one higher value, more power and richer equipment dan de gemiddelde auto. Daardoor kan de premie hoger zijn. Verzekeraars kijken naar waarde, type, vermogen, schadeverleden en bestuurdersprofiel. Door goed te vergelijken en gebruik en dekking op elkaar af te stemmen, hoeft een BMW-Insurance echter not unnecessarily expensive to be.
Which type of coverage (WA, WA+ or Allrisk) usually suits a BMW?
For new and young used BMWs is Allrisk vaak de meest logische keuze, omdat dan ook eigand schade wordt vergoed. Bij BMW’s van circa 6–10 jaar kan WA+ (limited airframe) A mooie middenweg zijn. Oudere BMW’s met A lage waarde worden vaak WA verzekerd, mits u A eventuele eigen schade zelf kunt dragen. De juiste dekking blijft altijd maatwerk.
How is the value of my BMW determined for insurance purposes?
Most BMWs assume... current value or purchase value. Voor Youngtimers, klassiekers, M-modellen of auto’s met veel accessoires kan een valuation report verstandig zijn. Daarmee kan de Insurance worden ingericht op appraisal value, new value or purchase value, zodat u bij total loss of diefstal beter beschermd bent tegen een te lage uitkeRing.
Is chip tuning or other tuning on my BMW always included in the insurance?
No. Any form of tuning – zoals chiptuning, ander uitlaatsysteem, aangepast onderstel of vermogensverhoging – moet aan de verzekeraar worden gemeld. Onopgegeven tuning kan ertoe leiden dat een schade (deels) wordt afgewezen of dat de polis wordt aangepast. Bespreek tuning daarom altijd vooraf; Finass Insures zoekt een verzekeraar met clear conditions for tuned BMWs.
What about BMW i models and battery coverage?
For electric BMW i models, the drive battery in de regel meeverzekerd binnen de cascodekking, maar de Conditions verschillen per verzekeraar. Ook schade door laden, laadkabels en eventuele laadpaal spelen een rol. Laat de polisConditions altijd goed uitleggen, zeker als u veel elektrisch rijdt of thuis en zakelijk laadt.
Can someone else drive my BMW with my insurance?
Occasional use by other drivers is usually permitted. Insurers want to know who the main driver is: degene die het meest rijdt. Als een jongere bestuurder of iemand anders structureel de BMW gebruikt, moet dat correct op de polis vermeld staan. Onjuiste informatie kan gevolgen hebben For dekking en uitkering bij schade.
How do claim-free years and no-claim discount work with BMW insurance?
claim-free years worden landelijk geregistreerd en door nieuwe verzekeraars overgenomen. Hoe meer claim-free years, hoe hoger uw no-claim discount en hoe lager de premie. Na een schuldschade verliest u meestal claim-free years en stijgt de premie. Finass Verzekert kan voor u uitrekenen wat het effect van een schade is en of het soms voordeliger is een kleinere schade zelf te betalen.
Is my BMW also insured abroad?
Your BMW is insured in the countries listed on the green card staan vermeld. Dit zijn doorgaans de meeste Europese landand and andkele extra landand. Roadside assistance in Europe is vaak een aanvullende module. Gaat u op vakantie of zakenreis met uw BMW, controleer dan Foraf of de dekking aansluit bij uw plannen.
Can I combine my BMW insurance with other insurance policies?
Ja. Door uw BMW-verzekering te combineren met bijvoorbeeld woonhuis-, inboedel-, Liabilitys- en andere voertuigverzekeringen, profiteert u vaak van package discount en heeft u één aanspreekpunt. Finass Verzekert kan uw totale pakket doorlichten en optimaliseren op dekking én Premium.
What information is required for a BMW insurance quote?
For a targeted BMW quote, it is useful if you have the following to hand:
- license plate number or complete vehicle details (series, model, year of manufacture, version, power);
- purchase price and any extras/accessories;
- annual mileage and use (private, commuting, business, hobby);
- storage details (street, driveway, parking garage, closed garage);
- date of birth and driving experience of the (main) driver(s);
- number of claim-free years and current insurer;
- desired coverage (WA, WA+ or Allrisk) and desired additional coverage.
Met deze informatie kan Finass Insures meerdere BMW-verzekeringen vergelijken en een voorstel doen dat goed past bij uw auto, gebruik en wensen.
Insure BMW? Calculate your premium or request a tailor-made proposal
Do you want your BMW good, clear and competitively priced verzekeren – met oog voor model, uitvoering, elektrische of sportieve techniek en uw rijprofiel? Finass Insures vergelijkt BMW-verzekeringen bij meerdere verzekeraars en is uw permanent point of contact for advice and damage.
Calculate BMW car insurance online & take out it immediately
You will usually receive a response within a short time. Together we ensure that your BMW – and your other insurance policies – good, clear and affordable have been arranged.
