BMW Car Insurance: Compare Quotes and Get the Best Coverage

Third-Party Liability Coverage

This legally required coverage protects you against financial loss if you’re responsible for an accident that causes injury to another person or damage to their property. Given BMW’s high value, it’s advisable to opt for higher liability limits.

Direct Compensation for Property Damage

If your BMW is damaged in an accident where you are not at fault, your own insurance provider will cover the cost of repairs under DCPD. This is standard coverage in provinces with a no-fault insurance system.

Uninsured Automobile Coverage

Protects you in case of an accident with an uninsured or hit-and-run driver, ensuring that medical expenses and vehicle damages are covered.

Collision Coverage

This covers repair or replacement costs if your BMW is damaged in a collision with another vehicle or object. Given BMWs have specialized repair needs, collision coverage is highly recommended.

Comprehensive Coverage

This protects against non-collision-related damages such as theft, vandalism, fire, and extreme weather events. BMW models, especially high-end ones, are often targeted for theft, making comprehensive coverage a smart choice.

BMW-Specific Coverage Options

Luxury Car Parts and Repair Coverage ensures your BMW maintains peak performance by covering original BMW parts and certified repair specialists. For electric and plug-in hybrid models, EV Battery and Charging Equipment Protection includes coverage for battery damage.

While new BMWs often come with factory Roadside Assistance, extending your policy guarantees 24/7 coverage for towing, fuel delivery, flat tires, and more. Additionally, Replacement Vehicle coverage ensures you have access to a rental or luxury replacement vehicle while your BMW is being repaired, so you’re never left without transportation.