BMW Club Car Insurance: Is It Right for You?

BMW Club Auto insurance is available for those who owns or leases a BMW, as well as for those who do not. As a member, you get multiple benefits and privileges, but they are more beneficial if you do own or lease a BMW model. Benefits include rebates, club services, and BMW protection products. Members also have access to Technical Service Advisors and Ombudsmen who are at the ready when a member has maintenance issues or need an intermediary.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Dec 10, 2021

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A Concise Overview

  • BMW Club Auto insurance offers flexible options for members to build their own protection package
  • The car club offers special benefits for its members such as rebates, discounts, and club services
  • Rates are based on specific BMW models

Being a part of the BMW Car Club brings insurance benefits, service benefits, and insider deals and events for members.

The BMW Car Club is open to members who own or lease a BMW, as well as members who have no affiliation with BMW.

Affordable car insurance is the right type of insurance for everyone.

Learn more about BMW Club auto insurance coverage. Enter your ZIP code and get a free quote today.

What does BMW Club Car insurance offer?

A-Plan Insurance Group is a company that offers deals negotiated exclusively for BMW Car Club GB members. What is offered by the BMW Club Auto insurance are different, flexible options for members to build personalized protection packages and insurance bundles.

Members can choose from the following options:

  • Multi-vehicle – all of your vehicles onto one policy
  • Agreed Value – knowing your car’s value is secured
  • Track Day Cover – see what your BMW is capable of while feeling protected
  • Modifications – cosmetic or performance purposes
    • like-for-like cover on modifications
  • Specialist Vehicle Breakdown Cover – “No quibble” recovery ensures only people you trust work on your car
  • Not Just BMWs – access to over 20 insurers to find the right policy at the right price for you and your family
  • Online Portal – all your documents can be found and kept in one place; portal provides claim and other servicing advice

These options, put with the BMW Ultimate Protection Program allow those in the BMW owners’ club to create a policy they can believe in. The BMW Ultimate Protection Program, offered to members, provides four major products:

  1. Extended Service Contracts (ESC): ESCs offers three levels of coverage up to seven years or 100,000 miles. All repairs are completed with 100% original BMW parts at an authorized repair facility.
  2. The three levels of coverage are Platinum, Gold, and Powertrain Plus. Platinum coverage is available to new, used, and certified pre-owned BMWs; Gold coverage is for new and used BMWs; Powertrain Plus coverage is for new and used BMWs.
  3. BMW Protection Products: This program offers lease-end protection that covers part or all of the potential excess wear costs when your vehicle is returned. Guaranteed Auto Protection (GAP) waives some or all of the difference between the assessed market value from primary insurance providers and the remainder of your balance in the event of total loss due to accident, thefts, or natural disaster.
  4. Multi-Coverage Protection: this is provided for tires and wheels, windshield, paintless dent repair, key protection, and all surface protection

As a member of the car club you have access to services that could be beneficial. You have access to the National Board of Directors, who determine and enforce club policy. There is access to The National Office Staff who answers questions about membership, address changes, chapter transfers, and general club policy for individual members.

Members also have access to Technical Service Advisors (TSA) and Ombudsmen. You would contact a TSA for help with maintenance and repair issues. Ombudsmen are readily available if you need an intermediary when resolving a dispute with manufacturers, dealers, repair shops, or parts suppliers.

What are the benefits?

The BMW Car Club wants to make sure they are looking out for their members, and maintaining their status as the largest single-marque car club in the world.

They offer special benefits such as rebates on new and certified BMWs. Members are eligible for rebates of up to $1,500 on the purchase or lease of a new BMW and rebates of $250 to $500 on certified pre-owned BMWs.

BMW Car Club also gives access to over 500 members to social and driving events throughout the year.

Some perks include discounts on parts and services from participating dealers, an annual car raffle, and opportunities to win prizes from industry partners such as Michelin, Dinan, and Griot’s Garage.

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How much will it cost to insure my BMW?

Average amounts of car insurance rates change based on the model of the BMW.

Average Annual Auto Insurance Rates by Driving History

CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One Accident
American Family$2,693.61$3,722.75
Liberty Mutual$4,774.30$6,204.78
State Farm$2,821.18$3,396.01
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Amica has stated that it is the official auto, home, and life insurance partner of the BMW Car Club of America.

Although the company does have a partnership, its insurance packages are not required for members.

Look into BMW club auto insurance plans. Enter you ZIP code and get a free quote today.

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