BMW Travel Insurance Review

BMW Travel Insurance Review

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With the Brexit deadline almost upon us and the current coronavirus pandemic, choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of BMW-travelinsurance.co.uk and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are BMW Travel Insurance

**** PLEASE NOTE BMW NO LONGER OFFER ONLINE TRAVEL INSURANCE ****

**** CLICK HERE TO COMPARE OTHER TRAVEL INSURANCE POLICIES ****

BMW probably one of the most iconic luxury car makers there is. With such a high income client base, the move into financial services was a natural step. However BMW now offer travel insurance to anyone, whether they own a BMW or not.

BMW Travel Insurance is sold by BMW Financial Services , underwritten by AWP P&C SA and is administered in the UK by Allianz Global Assistance. Allianz Global Assistance is a trading name of Mondial Assistance (UK) Limited, Registered in England number 1710361. Registered office 102 George Street, Croydon CR9 6HD. AWP P&C is authorised in France and the UK and subject to limited regulation

How to Buy Travel Insurance from BMW-travelinsurance.co.uk

Click on the website link to go directly to the insurance providers website. Visit BMW-travelinsurance.co.uk's Website and Get a Quotation direct

How BMW Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by BMW-travelinsurance.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from BMW Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Single Trip Standard:

BMW Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

BMW Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 1 Annual Policies from BMW Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Annual Standard:

BMW Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

BMW Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about BMW-travelinsurance.co.uk's policy wording

1. What is the age/classification of a child on the policy?

The BMW policy classifies children as those being under the age of 16 and in full time education.

2. What are the policy age limits?

A single trip or annual trip policy can be taken out by anyone under the age of 75 at the date the policy was issued.

 

3. What are the policy Trip Duration limits?

The BMW policy states the maximum duration under a single trip policy is 180 days, in fact you can get a quote on their website for up to 365 days. Our advice if you want to travel for more than 180 days obtain confirmation in writing.

An annual policy allows unlimited trips, provided each trip is no longer than 31 days (45 if you pay an additional premium).

4. What are the options for Winter Sports cover?

Wintersports can be added to either policy and covers Skiing, snowbaording, big-foot skiing, cross country skiing, glacier skiing, mono-skiing, sledging, snow blading and tobogganing.

Off pists skiing is covered only within the boundaries of a recognised ski resort and following ski partrol guidlines.

The policy covers Ski equipment £400 (single item limit £300) Delayed Ski Equipment £20 per day £300, Ski Pakc £25 per day up to £300, Piste closure £20 per day up to £200 and avalanche closure £25 per day up to £250

 

5. What is classed as a family and how many people can be quoted for?

A single trip policy may be taken out by up to 8 individuals (although there is no group discount available), or a family made up of one or two adults and up to eight children.

An annual policy can be taken out by up to 6 individuals and a family with up to 8 children.

 

6. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The policy recommends an EHIC card. In the event of travel to Australia the policy states "you can enrol in Medicare"

7. What is covered under Sports and Activities on the policy?

The policy has a small list of 42 activities which are automatically covered under the policy. Check the policy for a list.

8. What are the policy Alcohol Exclusion terms?

All claims are excluded as a result of the effect of alcohol, or you being under the influence of alcohol, or doing anything as a result of using alcohol.

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

There is no cover for scheduled airline failure or end supplier failure.

10. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

The policy excludes all pre existing medical conditions.

 

11. What are the policy rules on travelling when pregnant?

The policy does not mention pregnancy or child birth, we would have to assume that any claim would not be covered, but if you take out a policy, we recommend contacting the insurer to obtain clarification in writing.

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

The policy excludes any claim in respect of manual work (although there is no definition of manual work provided)

If you plan on working, we recommend contacting the Insurer for clarification.

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

Any claim for personal possessions will be reduced by an amount for wear and tear. The policy states you should provide, original receipts, or other suitable evidence of purchases/ownership of any items which you are claiming for.

14. What does the policy cover in the event of war, terrorism or cyber attack?

The policy excludes any claim related to war or terrorist attack except medical expenses and personal accident.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

The policy does not provide cover against natural disaster or catastrophe

16. Do I have to be a UK resident to be covered under this policy?

Your main home must be in the United Kingdom or Channels Islands/Isle of man, you must be registered with a doctor and not have spent more than six months abroad during the twelve months prior to you taking out a policy.

BMW-travelinsurance.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on bmw-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how BMW compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for BMW Policies

We've highlighted Pro's and Cons for BMW, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by BMW-travelinsurance.co.uk.

No Pro's

  • No cover for pre-existing medical conditions

What Cover do BMW policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Standard

    Annual

    Standard

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    40

    40

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    1,000

    1,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    500

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    300

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

Sample Quotes from BMW-travelinsurance.co.uk.

Listed below are some Sample Quotes offered by BMW-travelinsurance.co.uk

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Primary Cover

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