BMW Motorcycle Insurance
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There are few motorbike riders out there who wouldn’t jump at the chance to own a BMW bike. BMW are renowned for their excellence, quality and innovation in all things motoring and their motorcycle line continues to impress riders of all kinds. With a motorbike as high end as a BMW, thorough specialist insurance is crucial. The right BMW motorbike insurance policy will be tailored to your individual bike, any modifications you’ve made to it, and the type of riding you do. BMW motorbike insurance for UK drivers is an absolute must for peace of mind. Explore the BMW bike insurance UK policies on offer to ensure you get the right deal and the best protection.

History of BMW Motorcycles
The motorbike arm of BMW, BMW Motorrad, was founded in 1923 with the launch of their first motorbike the 486cc R32. Throughout the century of its operations, BMW Motorrad has been at the forefront of innovation in the motorbiking world.
By the 1980s, with the launch of the adventure touring GS series, BMW Motorrad had cemented their legacy as a motorcycle company that innovates.
Factors to Consider for BMW Motorcycle Insurance
As with any type of insurance, there are various factors that influence how much your BMW Motorrad insurance premiums will be. They can also influence what type of insurance you decide to take out to keep you, your bike and those around you protected.
Model of the Motorcycle
Whether you’re after a dependable beginner bike or a high-performance bike for the racing track, BMW Motorrad has you covered. Naturally, however, the bikes with the higher price tags and performance ranges – like the S1000RR – will have a higher premium. Smaller and more affordable models like the G310R are the best bet if you want to bring your premiums down.
Rider Experience and History
How long you’ve had your licence and your driving or riding history will have a big impact on your BMW bike insurance UK premiums. Rider with a longer history and a clean licence will often be offered lower premiums, whereas riders with a history of accidents or claims on their insurance policies, or who are new riders, will face higher costs.
Location and Usage
Where you live and ride most often will also factor in. Riders who live in cities typically have higher premiums than those in the suburbs or rural areas. This is because of the increased theft and road traffic accident rates in cities. If you use your bike to commute, this can also drive up your insurance costs compared to, for example, someone that only rides on the weekend or for special occasions.
Customisations and Accessories
There are so many customisation options out there for BMW riders. This is a great way to make your motorcycle feel like your own, but it comes with a bit of a downside – higher premiums. Because customisation and accessories can increase the value of your bike, they may require you to have additional or higher levels of coverage – make sure that any BMW bike insurance UK policy you take out takes any mods or accessories into account.
Policy Deductibles and Limits
With most BMW bike insurance policies, the higher your excess (the amount of a claim you pay for before the insurance starts to cover the rest), the cheaper your overall policy will be. Though having a higher excess can save you money, it is risky if you need to make a claim. You’ll need to look at your financial health to make sure that any savings on your policy will be worth the cost if you do need to make a claim.
BMW Motorrad Range
There are plenty of bikes in the BMW Motorrad range that will suit any requirements for preference. These include:
1. Adventure
The GS and GSA series are some of the most iconic adventure bikes available. They come equipped with off-road capabilities, powerful engines, and a design that ensures comfort on even the longest ride.
2. Sport
The S series is designed with high-performance, speed and precison, on the road and on track, in mind.
3. Touring
BMW’s touring motorcycles, such as the R1250RT and K1600GT, are made for comfortable, long distance rides. They have brilliant features like heated seats, navigation systems and adjustable windscreens to ensure you can make even the longest distance rides in true comfort.
4. Roadster
The R and F series are designed for everyday riding. They combine classic style with quality performance and are perfect for both city commutes and leisurely adventures.


5. Naked Bikes
BMW’s naked bikes are great for a minimalist and nimble riding experience. They’re designed to be lightweight and responsive, perfect for new riders.
6. Heritage
The R NineT series is a testament to BMW’s rich heritage, combining retro aesthetics with the best of modern tech.
7. Entry-Level
BMW’s entry-level motorcycles, like the G310GS and G310R, are brilliant for newer riders. These bikes provide riders with accessible performance and BMW quality at an affordable price.
8. Electric
The CE 04, an innovative electric bike ideal for urban riders, is BMW’s first electric bike. With equality aesthetic design and zero-emissions, it’s the perfect choice for eco-conscious riders.
Tips to Find Affordable BMW Motorcycle Insurance
Bringing your BMW motorbike insurance quote prices down can be simpler than you think. You could consider bundling your BMW motorcycle insurance with other policies like your car insurance or home insurance. This can often bring down the cost of each – a win-win! Proving to insurers that you are a motorcyclist that takes safety seriously can also help lower your BMW Motorrad insurance premiums. Consider undertaking advanced motorbike safety training and get your bike fitted with an anti-theft device and GPS tracker. Reducing the amount you ride can also help – though this won’t be for every rider! But, if you’re willing to commute by car or public transport, and save your riding for your leisure time, you can enjoy great BMW motorbike insurance premium reductions.
How We Provide Tailored BMW Motorcycle Insurance
At Motorcycle Insurance, we specialise in finding the right BMW motorcycle insurance that works for each individual rider. Choosing a tailored BMW Motorrad insurance policy allows you to get the protect you deserve while keeping premiums as affordable as possible. By choosing a policy designed specifically for BMW bikes, you’ll have the peace of mind knowing that your investment is in safe hands. BMW motorbike insurance policies cover the full range of high-value components, customisations and accessories that many BMW Motorrad riders love.

How to Get A BMW Bike Insurance Quote
Getting a BMW bike insurance quote is easy. At Motorcycle Insurance, we can help you start the process now! All we’ll need is some information about your bike, riding history, and coverage preferences. Once submitted, you’ll receive tailored BMW bike insurance quote from the best providers, so you to choose the policy that best suits your needs. From temporary bike insurance to multi-bike insurance – and everything in between – we’ve got you covered at Motorcycle Insurance!