BMW Travel Insurance Review

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

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.

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).

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

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.

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

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

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.

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

The policy excludes all pre existing medical conditions.

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.

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.

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.

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

The policy does not provide cover against natural disaster or catastrophe

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.