What's covered on your BMW
- Cooling system failure. electric water pumps and thermostat housings — catching it early avoids a warped head.
- VANOS variable valve timing faults. solenoids and seals causing rough running and warning lights.
- xDrive transfer box failure. a known, expensive failure on four-wheel-drive models at higher mileages.
- Timing chain on N47 diesel engines. 2007–2011 four-cylinder diesels, where the chain sits at the back of the engine.
- Air suspension. on larger models such as the X5 and some 5 and 7 Series.
A BMW gearbox sits at the top of the £800–£3,000 range, a cooling system overhaul commonly runs £600–£1,200, and a transfer box is four figures. The labour rate a policy pays matters more on a BMW than almost any other brand — a specialist can charge over £100 an hour, and ClearPath covers up to that rate.
The numbers, in full
£3,000Per claim
UnlimitedEligible claims
£100/hrLabour rate covered
15 yrs/ 150,000 miles eligibility
14 daysTo change your mind
UK-wideGarage network
Frequently Asked Questions
How long is the BMW factory warranty?
Three years with unlimited mileage — better than the 60,000-mile caps used by Ford, Nissan and Toyota. Once it ends, that's where ClearPath cover picks up.
Are BMWs reliable?
On MOT data, yes — 84.4% pass first time, joint second of 25 brands. The risk with a BMW isn't how often it fails but what it costs when it does.
Does cover include BMW oil leaks?
Usually not if the leak is already present when the policy starts — that's treated as a pre-existing fault. A gasket failure that happens after cover begins is a different matter.
Is the BMW N47 timing chain covered?
A chain that fails and damages the engine can be claimable — service history matters, so keep your paperwork.
What labour rate does ClearPath cover on a BMW?
Up to £100 per hour — enough to match what an independent BMW specialist actually charges, rather than leaving you to cover the difference.
How much does a warranty cost for a BMW?
Cover starts from £21.67 a month with code CP25 at checkout on a 3-year plan. Get an instant online price based on your exact BMW, age and mileage.
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Important information. This page is general information only. Warranty eligibility, covered components, exclusions, waiting periods, claim limits, excess, labour-rate limits and claim procedures are governed by the applicable ClearPath Protection terms and conditions. Pricing shown is indicative and your actual price depends on your vehicle's age, mileage, fuel type and the cover length you choose.
