Third-party liability insurance
- Damage to other vehicles
- Injury to third parties
- Damage to objects
Insuring a BMW M4
The M4 stands still for most of the year, and that pattern of use determines which type of policy fits it.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
The M4 is the two-door version and in the Netherlands it is rarely the only car in the household. The typical pattern is a second car alongside an everyday one: fine weather, weekends, the occasional long run. Insurers have a separate treatment for that. You declare a low annual mileage and locked storage, and in return the car is assessed more favourably than one that stands on the street every day.
That favourable assessment is an agreement, not an estimate. The mileage declared appears on your policy schedule and is checked after a claim against the odometer reading shown by the MOT history and the service invoices. If you regularly drive more, report it. An adjustment during the term costs premium, a discrepancy that comes to light costs cover.
If the car stands idle for part of the year, the question of suspending the registration comes up. Suspending it with the RDW (the Dutch vehicle authority) removes the insurance obligation, but not the risk of fire or theft in storage. For the saloon version with a different pattern of use, read Insuring a BMW M3.
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BMW M4: what is covered?
The structure of the cover in three parts, with an overview per situation below.
Third-party liability + fire and theft
Also, damage to your own vehicle from external causes.
- Theft and burglary
- Fire, storm and hail
- Windscreen damage
- Collision with animals
Comprehensive cover
Including damage to your own vehicle through your own fault.
- Own fault and single-vehicle accident
- Vandalism
- Unknown party at fault
- Total loss
What is covered
| Situation | Third-party liability | Third-party liability + fire and theft | Comprehensive |
|---|---|---|---|
| Damage to another vehicle | Yes | Yes | Yes |
| Theft of your BMW M4 | No | Yes | Yes |
| Windscreen damage or stone chips | No | Yes | Yes |
| Storm, hail and fire damage | No | Yes | Yes |
| Driving into a bollard yourself | No | No | Yes |
| Track use, wear and intent | No | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Declared annual mileage. On this car the strongest lever. The lowest band does call for storage and a second car.
- Valued or list price including options. Carbon parts, ceramic brakes and the trim level belong in the value declared.
- Storage and security. A locked garage, alarm class and a tracking system are often a condition on this model.
- Whether you also have an everyday car. Many enthusiast schemes require another car to be available for everyday use.
- Age, experience and driver restriction. A restriction to one or two named drivers brings the premium down and at the same time limits who may drive.
- Type of cover and excess. Own-damage cover on a valued amount as against comprehensive on market value gives a different premium picture.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
The mileage declared is a term of the policy
Insurers work with mileage bands and the lowest band makes a noticeable difference. What you declare appears on the policy schedule and can be checked after a claim through the mileage records from the MOT and the workshop history. If you exceed the band, an additional premium usually follows. If the difference is structural and large, it goes to the accuracy of your declaration. Correct it during the term rather than when you report a claim.
Suspending the registration removes the obligation, not the risk
With a suspension at the RDW, the statutory insurance obligation under Article 2 of the Dutch Motor Insurance Liability Act (WAM) lapses as long as the car does not come onto the public road. Fire in the garage, theft from storage and water damage carry on regardless. Some insurers offer storage or winter cover for that period, under which only the own-damage part continues. So do not cancel the policy, but have it adjusted.
Carbon parts and ceramic brakes make small claims expensive
A carbon roof, a carbon roof spoiler and ceramic brake discs are optional parts that are not repaired but replaced. On the convertible version the roof comes on top of that: the mechanism and the fabric are each expensive. Reckon on parking damage that stays limited on an ordinary coupe leading to a substantial estimate here. Declare the options fitted on the application, otherwise they are not built into the value.
Who else may drive it
A lower rate often goes together with a driver restriction: only you, or only drivers above a certain age. If you lend the car to someone outside that, an increased excess or no own-damage cover applies after a claim. Hire, shared use through a platform and use in competitions or on a circuit are excluded as standard, as are wear and defects that arise during long periods standing idle.
Repairs and parts
Carbon parts and ceramic brakes make even small claims expensive.
Acceptance differs per insurer
Not every company applies the same policy for this make. With unusual versions, the question is not what it costs but who will accept it.
Frequently asked questions
This is what people ask us most.
I cover few kilometres in it. How do I declare that?
On the application you choose the mileage band that matches your actual use, and it goes on the policy schedule. Keep a record of the readings yourself, for instance through the MOT reports. If you notice halfway through the year that you are driving more, report it; the premium is adjusted and you avoid an argument after a claim about what you declared.
Can I suspend the registration in winter and still stay insured?
Yes. On suspension the compulsory third-party liability cover lapses because the car may not come onto the public road, but you can keep the own-damage cover running at a lower premium. That keeps you covered for fire, theft and storm in storage. Do not cancel the policy completely: you then lose the relationship built up and have to go through underwriting again when you restart.
May my partner or a friend drive the M4?
That depends on your policy schedule. If there is a driver restriction on it, the cover applies only to the named drivers or to drivers above a certain age. If someone else drives, an increased excess may apply or own-damage cover may be missing. If you want to lend the car regularly, have the restriction widened; that is a question of premium, not a refusal.
Can I insure an M4 if it is my only car?
You can, but you then fall outside the enthusiast schemes that require a second car. You end up on ordinary car insurance with a normal mileage, and the premium picture changes accordingly. On the most powerful versions, insurers also set requirements as to age and no-claims years. Have your situation put to several companies before you buy the car.
Every situation is different. For these situations we have a separate page.
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Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert. Last updated on .
The information on this page is general in nature and is not personal advice.