Freude am Fahrand Verzekerand
BMW stands for Bayerische Motoren Werke – Bavarian Motor Factories. Since 1916, the brand has been building from Munich auto's die rijplezier candtraal stelland. De slogan "Freude am Fahrand" (Plezier in het rijdand) vat de merkfilosofie perfect samand.
From the compact 1 Series (from €40,000) to the luxurious 7 Series (from €120,000) and the popular one X models – BMW offers a sporty solution for every wish. With the i series (i4, iX, i7), BMW is leading the way in electrification.
BMW insurance costs on average €45-€120 per month for Allrisk, depending on model and claim-free years. Due to the premium status, BMW's 10-20% more expensive than comparable Volkswagens.
BMW Models Insurance
The extensive model range with specifications:
BMW 3 Series
156-510 hp | Sedan & Touring
From €52,000 | Bestseller
- ✓ 318i to M3 Competition
- ✓ PHEV: 330e xDrive
- ✓ M3: 510 hp, 0-100 in 3.4 sec
- ✓ Most popular BMW in the Netherlands
BMW X3
190-510 hp | SUV
From €68,000 | Premium SUV
- ✓ New model 2024
- ✓ PHEV: 30th xDrive 299 hp
- ✓ X3 M50: 398 hp
- ✓ Popular lease SUV
BMW i-Series
286-619 hp | 100% Electric
From €60,000 | i4, iX, i5, i7
- ✓ i4: up to 590 km range
- ✓ iX: luxury electric SUV
- ✓ i4 M50: 544 hp
- ✓ Fast charging 200 kW
BMW M Models
480-750 hp | Performance
From €100,000 | M2 to XM
- ✓ M2: 460 hp 6-cylinder
- ✓ M3/M4: 510 hp Competition
- ✓ M5: 727 hp V8 Hybrid
- ✓ BMW M GmbH since 1972
📋 Other Popular Models
- → 1 Series: Entry level, from €40,000, sporty compact
- → 2 Series: Coupé, Gran Coupé, Active Tourer
- → 4 Series: Coupé/Cabrio/Gran Coupé, from €55,000
- → 5 Series: Business sedan/Touring, from €70,000
- → 7 Series: Executive class, from €120,000
- → X1/X5/X7: SUV range from compact to full size
🚗 "Freude am Fahrand" – Plezier in het Rijdand
Since 1965 "Freude am Fahrand" de beroemde slogan van BMW. De Engelse variant "The Ultimate Driving Machine" vat de filosofie samen: sportief rijgedrag en rijplezier staan bij elk Model centraal.
BMW's rear-wheel drive, perfect weight distribution (50:50) and powerful engines make every ride an experience. The M division, founded in 1972, builds the most extreme versions.
🏛️ 108 Years of BMW: From Airplane Engines to Electric
BMW was founded on March 7, 1916 in Munich as Bayerische Flugzeugwerke (aircraft factory). In 1917 the name was changed to Bayerische Motoren Werke. The logo shows the Bavarian colors blue and white – often (incorrectly) interpreted as a spinning propeller.
The first motorcycle (R 32) appeared in 1923, the first auto (BMW 303) in 1933. After WWII the Isetta the company, after which the "New Class" (1962) laid the foundation for today's success. Nowadays BMW also owns MINI and Rolls Royce.
💰 Premium indication BMW Insurance 2025
Average monthly premium based on model and claim-free years:
| Model | WA | WA+ | All risk |
|---|---|---|---|
| 1 Series (118i-M135i) | €25-€45 | €35-€60 | €45-€85 |
| 3 Series (318i-M340i) | €30-€55 | €45-€75 | €55-€100 |
| 5 Series (520i-M550i) | €35-€65 | €55-€90 | €70-€130 |
| X3 (20i-M50) | €35-€60 | €50-€85 | €65-€120 |
| X5 (xDrive40i-M60i) | €45-€75 | €70-€110 | €90-€160 |
| M3/M4/M5/X5 M | €65-€110 | €100-€170 | €140-€300 |
📊 BMW Insurance Facts
⚠️ Risk of theft BMW Models
Certain BMW models rank relatively high theft statistics, especially older 3 Series and popular SUVs. Insurers can pay extra security requirements such as an SCM-approved alarm or vehicle tracking system. This especially applies to M models and more expensive versions. Good security is also possible premium discount deliver.
Why is a BMW More Expensive to Insure?
🔧 Factors that influence the Premium
- → Premium brand: Higher value than comparable VW
- → Sporty appearance: Higher power, rear-wheel drive
- → More expensive parts: Original BMW parts pricey
- → Theft risk: Popular with car thieves
- → Technology: Advanced electronics and assistance
- → Accessories: M Sport packages increase value
🛡️ What Coverage for Your BMW?
The correct coverage depends on model and age:
- → New BMW (0-5 years): All risk with new value scheme
- → Young BMW (6-10 years): WA+ (limited airframe) sufficient
- → Older BMW (10+ years): WA at low current value
- → i models: All-risk recommended (expensive battery)
- → M models: Always Allrisk (high value + power)
- → Youngtimer (15+ years): Special youngtimer policy
Best Insurers for BMW 2025
These insurers have extensive experience with BMW models:
💡 Tips for BMW Owners
- ✓ BMW Top Cover – via dealer, up to 5 years new value scheme, €0 deductible at BMW dealer
- ✓ Pay per kilometer – BMW ConnectedDrive automatically reads mileage
- ✓ Check M Sport package – increases value, possibly additional premium
- ✓ Secure your BMW – alarm can result in a premium discount
- ✓ Lease? Check policy – often already included in the lease contract
- ✓ i-models tip: Please note the range guarantee in the event of battery damage
- ✓ Build up claim-free years – up to 80% discount possible
