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BMW Insurance

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BMW Insurance Cover


At Gerrards, we understand the unique insurance needs of BMW owners in New Zealand. As a dedicated insurance broker, we specialize in finding the perfect insurance match for every BMW, from the classic BMW 3/15 DA-2 of the 1920s to the latest and most sophisticated BMW M4 CSL. Whether your BMW is a cherished classic or a modern marvel, we've got you covered.

Types of Cover


Comprehensive insurance is the most inclusive form of insurance for your BMW. It covers damages to your car, other vehicles, and property, regardless of who's at fault. It also covers theft, vandalism, and natural disasters. This is ideal for those who want complete peace of mind.

Third Party Fire & Theft

Third Party Fire & Theft provides coverage if your BMW is stolen or damaged by fire. It also covers damages your car might cause to other vehicles or property. This is a good middle-ground option for BMW owners.

Third Party Only

Third Party Only insurance covers damages your BMW might cause to other vehicles or property, but it doesn't cover damages to your own car. It's a basic, more affordable option.

Business Use

If you use your BMW for business purposes, like a company car, this insurance option provides coverage tailored to meet the demands of business use, ensuring both the car and your business are protected.

Hobby/Classic Car

For those who own a BMW as a hobby or a classic car, this insurance offers cheaper rates and low km options. It's designed for BMWs that are second cars, driven less frequently, and require special care.

BMW Gerrards

Why Choose Gerrards for Your BMW Insurance?

  • Expertise in BMW Models: We understand the specific needs and values of different BMW models, ensuring you get the most suitable coverage.
  • Tailored Solutions: We offer insurance policies tailored to the unique use of your BMW, whether it’s for daily commuting, business, or as a classic car.
  • Ease and Convenience: With Gerrards, getting your BMW insured is straightforward and hassle-free. We’re here to handle the details and find the best policy for you.

What Does BMW Insurance Cover?

BMW insurance can vary based on the type of coverage you choose, but generally, it can include:

  • Damage to your own vehicle and others in case of an accident.
  • Theft, fire, and vandalism.
  • Legal liability for damage to other people’s property.
  • Natural disasters (floods, earthquakes, etc.).
  • Optional extras like windscreen cover, courtesy car provision, and breakdown assistance.

What Models Can You Arrange Cover For?

We can arrange insurance for a wide range of BMW models, from the brand’s inception to the present day. Some of these models include:

  • 3/15
  • 3/20
  • 303
  • 309
  • 315
  • 319
  • 320
  • 321
  • 326
  • 327
  • 328
  • 335
  • 501
  • 502
  • 503
  • 507
  • 600
  • 700
  • New Class
  • 1500
  • 1600
  • 1800
  • 2000
  • 2002
  • 2500
  • 2800
  • 3.0S
  • 3.0Si
  • 2.5CS
  • 2800CS
  • 3.0CS
  • 3 Series (E21, E30, E36, E46, E90, F30, G20)
  • 5 Series (E12, E28, E34, E39, E60, F10, G30)
  • 6 Series (E24, E63, F12, G32)
  • 7 Series (E23, E32, E38, E65, F01, G11)
  • 8 Series (E31, G15)
  • Z1
  • Z3
  • Z4
  • Z8
  • X1
  • X2
  • X3
  • X4
  • X5
  • X6
  • X7
  • M1
  • M3
  • M4
  • M5
  • M6
  • M8
  • 1 Series (E87, F20, F40)
  • 2 Series (F22, F45, F44)
  • 4 Series (F32, G22)
  • i3
  • i8
  • iX3
  • i4
  • iX

How to Get Your BMW Insured?

Getting your BMW insured through Gerrards is simple and convenient. Here’s how you can start:

  1. Online Application: Visit our website and fill out the online form. It’s quick and easy.
  2. Phone Consultation: Call us, and one of our friendly staff will guide you through the process.
  3. Office Visit: Prefer face-to-face interaction? Come into our office, and we’ll assist you in person.

Regardless of how you choose to apply, we’ll work with you to understand your needs and find the best insurance solution for your BMW.

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