BMW M4 car insurance in the UAE
What to check for your M4, what insurers’ policies say and what a claim could cost you. No quote needed.
Choose your model year to tailor this page. Everything below works without it.
What to know before you insure your M4
| Your question | The answer | What to do |
|---|---|---|
| What does a new M4 Convertible cost? | The 2026 M4 Convertible Competition xDrive M Seat costs AED 675,000 including VAT. | Keep your invoice to hand when you ask for cover. |
| Which wheels drive your M4? | The convertible has M xDrive all-wheel drive. The M4 Competition Coupe comes with M xDrive or rear-wheel drive, and the M4 Coupe with rear-wheel drive only. | Tell your insurer your exact version and drive type. |
| Does your insurer see a sports car? | If you cause an accident, an extra excess of up to 15% of the compensation can apply to sports cars. | Ask whether your policy treats yours as one. |
| Taking your car on a track? | Sukoon adds track days only if they are on your schedule, at Dubai Autodrome and Yas Marina, and not for competition. Liva excludes speed races and tests. | Ask your insurer before your first track day. |
| Want the dealer to do your repairs? | This is called agency repair, and it depends on your car’s age. Al Wathba limits it to cars up to two years old, Al Sagr and Orient Motor Plus to three. After year three, it is up to your insurer and an extra premium. | Ask how many years your policy includes it. |
| Would a flood be covered? | Not under standard terms, which exclude natural disasters. Some insurers add flood or storm cover. | Check your policy names flood and storm. |
Sources for these answers
value="41BAA-2026" price="675000.00000" product_id="673">M4 Convertible Competition xDrive M Seat
BMW M4 Convertible Competition xDrive M Seat (2026)
The list price is inclusive of value added tax (VAT)
M xDrive all-wheel drive with active M differential
The BMW M4 Competition Coupé is available with both M xDrive all-wheel drive and rear-wheel drive. The BMW M4 Coupé is only available with rear-wheel drive.
In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused an accident an additional deductible as follows:
Maximum 15% of the amount of compensation of sports cars and modified vehicles.
The following cover will only apply if listed on your Schedule.
A track day is a strictly non competitive (no timing, pace making or racing) day at Dubai Autodrome & Yas Marina circuits (FIA certified)
If it is proven that the Motor Vehicle has been used or utilized in a speed race or test, provided that this is proved to be the proximate cause of the accident.
All brand new cars are repaired at the authorised agency or dealership in case of accident, provided the vehicle is no more than two years old.
Agency Repair – up to 3 years from the vehicle registration date at a manufacturer authorized dealer
Repairs at dealer/agency workshop in the first 3 years of the vehicle
In the case of the Insured wishes at the time of concluding the contract to repair the motor vehicle inside the Agency workshops after the lapse of the first three years of using the motor vehicle on the road, the Insurance Company may respond to the request and the determine an appropriate premium not exceeding the maximum tariff limit.
The accidents that have occurred, caused, resulted or are related directly or indirectly to natural disasters such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes.
Any general phenomenon that arises from nature such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes, and leads to extensive and widespread damage, and in respect of which a decision is issued by the concerned authority in the country.
Your M4 checklist
Tell us how you use it. We’ll list what to ask your insurer or broker.
Your checklist (8)
Checklist updated. 8 items.
Ask your insurer
Does the use on my application match how I use my M4?
Source
Use of the Motor Vehicle for purposes other than those mentioned in the Insurance Application attached to this Policy.
The Unified Motor Vehicle Insurance Policy Against Loss and Damage | Model/Use | Private | Commercial | Rental | Driving Education | Other |
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Am I covered on a track day, and at which circuits?
Racing and speed trials are excluded. Sukoon adds track days only if they are on your schedule.
Source
If it is proven that the Motor Vehicle has been used or utilized in a speed race or test, provided that this is proved to be the proximate cause of the accident.
Motor Insurance Policy Wording, LivaGreen (InsureMyTesla copy)Page 12 The following cover will only apply if listed on your Schedule.
Drive Easy unified policy wording, terms and conditions (English)Page 25 A track day is a strictly non competitive (no timing, pace making or racing) day at Dubai Autodrome & Yas Marina circuits (FIA certified)
Drive Easy unified policy wording, terms and conditions (English)Page 25
Look for in your policy
Find your excess, and any extra excess that can be added.
Source
The Insurer may charge the Insured that has caused the accident with a deductible amount to be deducted from the due amount of compensation due with respect to any accident which is caused by them personally or by the person authorized by them to drive the Motor Vehicle or cases that are deemed committed by an unknown person, according to Schedule (3)
The Unified Motor Vehicle Insurance Policy Against Loss and Damage In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused an accident an additional deductible as follows:
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Check what you pay towards new parts as the vehicle gets older.
Source
If the Insured requests that new original parts are to be installed in lieu of the parts damaged during the accident or are to be paid for in cash, the Insured will bear the Depreciation Percentage set in Schedule (1) of the final value of the purchase invoice.
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Depreciation Percentages, Except for Taxi Vehicles, Public Transport Vehicles and Rental Vehicles, According to the Date of First Registration and Use
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Check the insured value, and what happens if the vehicle is written off.
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If the Insured Motor Vehicle is lost, proves to be irreparable, or that costs of repair exceed 50% of the Motor Vehicle value before the accident, the insured value of the Motor Vehicle agreed upon between the Insurer and the Insured on signing of the Insurance Policy will be the basis of calculation of the compensation
The Unified Motor Vehicle Insurance Policy Against Loss and Damage after deduction of the Depreciation Percentage of 20% from the insured value, and taking into account the fraction of insurance period
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Check whether your policy treats your M4 as a sports car.
If you cause an accident, an extra excess of up to 15% can apply to sports cars.
Source
In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused an accident an additional deductible as follows:
The Unified Motor Vehicle Insurance Policy Against Loss and Damage Maximum 15% of the amount of compensation of sports cars and modified vehicles.
The Unified Motor Vehicle Insurance Policy Against Loss and Damage
Have ready
Registration card (Mulkiya), driving licence and your current policy.
First registration date. It can differ from the model year.
What each insurer’s policy says
Choose a topic to compare. Open a row to read the exact wording.
| Insurer | Status | What it says | Wording |
|---|---|---|---|
| GIG GulfGIG Third Party | Not clear | Not clear from this policy. | |
| GIG GulfMotor Perfect (comprehensive) | Optional extra | UAE dealer repairs. After 3 years, only by request when you buy. | |
| GIG GulfMotor Prestige (comprehensive) | Conditions apply | Only if on your policy. After 3 years, only by request when you buy. | |
| LivaMotor Executive | Conditions apply | Two periods printed, 5 years and 2 years: ask the insurer. | |
| LivaMotor Smart | Optional extra | 2 years from new. Up to 5 if Liva agrees, at extra cost. | |
| QICPrestige Plus Agency, Prestige Plus Non-Agency | Conditions apply | Only if on your policy. Vehicle must be GCC specification. | |
| RAKINSURANCEMotor Full Option (Comprehensive) | Conditions apply | Only if on your policy. Two time limits printed: ask the insurer. | |
| SukoonDrive Easy (comprehensive), Privilege Motor | Conditions apply | Only if on your policy, or automatic up to 12 months old. | |
| SukoonMotor Third Party Liability | Not clear | Not clear from this policy. | |
| Watania TakafulTakaful Certificate - Motor | Optional extra | UAE dealer repairs, no depreciation on parts. After 3 years, only if Watania agrees. |
Listed by name, not ranked. This does not confirm an insurer will accept your vehicle.
What you’d pay on a claim
Enter your own numbers to see how a repair bill splits.
- You pay
- AED 1,000
- Rest of the bill
- AED 7,000
Example only. Real claims depend on your policy and the insurer accepting the claim.
M4 models in the UAE
| Trim | Body | Engine | Power | Drivetrain | Gearbox | New price |
|---|---|---|---|---|---|---|
| M4 Convertible Competition xDrive M Seat | Convertible | 3L petrol | 530 HP | AWD | 8-speed M Steptronic Sport transmission with Drivelogic | AED 675,000 |
| M4 CS | Not stated | petrol | 550 HP | Not stated | Not stated | Not stated |
| M4 Coupe | Coupe | 3L petrol | 473 HP | RWD | 6M/8A | From AED 450,000 |
New price is the BMW list price at the time, not an insurance premium or your vehicle’s value.
Common questions
Does M4 insurance cover off-road or desert driving?
Not automatically. Standard terms exclude damage off the road unless your policy adds it, and insurers set their own conditions, usually four-wheel drive. Check your policy documents.
Source
Loss or damage that occurs to the Motor Vehicle off the road, as defined, unless a rider is issued extending coverage to drive outside the road.
Coverage of the damages or risks which occur outside the roads.
Does a M4 count as a sports car for insurance?
The unified policy sets an extra excess for sports cars but does not list models. Ask your insurer how it treats yours, and whether the extra excess applies.
Source
In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused an accident an additional deductible as follows:
Maximum 15% of the amount of compensation of sports cars and modified vehicles.
Does insurance cover flood damage to a M4?
Standard terms exclude natural disasters, which depend on a decision by the authorities. Some insurers add flood or storm cover, so check your policy names them.
Source
The accidents that have occurred, caused, resulted or are related directly or indirectly to natural disasters such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes.
Any general phenomenon that arises from nature such as floods, tornados, hurricanes, volcanoes, earthquakes and quakes, and leads to extensive and widespread damage, and in respect of which a decision is issued by the concerned authority in the country.
These forms may not be amended or altered unless such amendment is in favor of the insured or beneficiary.
Can I choose agency repair for my M4?
It depends on your policy and on the age of the vehicle. Ask when you buy the policy, and compare what each insurer says above.
Source
In the case of the Insured wishes at the time of concluding the contract to repair the motor vehicle inside the Agency workshops after the lapse of the first three years of using the motor vehicle on the road, the Insurance Company may respond to the request and the determine an appropriate premium not exceeding the maximum tariff limit.
What happens if my M4 is modified?
Tell your insurer about every change. If you cause an accident, an extra excess of up to 15% can apply, or up to 20% for changes made outside the factory. Not declaring changes can let an insurer reclaim what it paid.
Source
In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused an accident an additional deductible as follows:
Maximum 15% of the amount of compensation of sports cars and modified vehicles.
Maximum 20% of the amount of compensation of vehicles modified outside the factory.
If it is proven that the insurance was concluded based upon the Insured's misrepresentation and non-disclosure of material facts that affect the acceptance by the Company to cover the risks or insurance rate.
Can someone else drive my M4?
They need a valid licence for the vehicle. If a driver under 25 causes an accident, an extra excess of up to 10% can apply. Check who your policy allows.
Source
The insured or any person who drives the Motor Vehicle by the permission or order of the Insured, provided that they are licensed to drive according to the Motor Vehicle category pursuant to the Traffic Laws and other laws and regulations
In addition to the deductible amounts set in Schedule (3), the Insured may charge the Insured who caused an accident an additional deductible as follows:
Maximum 10% of the amount of compensation if the Motor Vehicle Driver is below the age of 25 years.
Am I covered in Oman in a UAE-registered M4?
Not automatically. Cover normally stops at the UAE border, and damage to your own vehicle and third party cover are arranged separately. Insurers handle this differently, so ask before you travel.
Source
Loss or damage that occurs to the Motor Vehicle outside the geographical territory set out in this Policy, unless a rider is issued to extend coverage to this territory.
This Policy does not apply outside the State.
Extension of a third party liability insurance policy to Arab countries may only be accepted under the Orange Card, and this applies to all non-UAE motor vehicles coming into or crossing in the State.
More for M4 owners
Recalls and accidents
We found no official UAE recall notice for the M4. That does not mean yours is clear, so ask a BMW service centre.
Similar vehicles
Guides
General information, not a quote or advice. Your own policy documents decide what applies. Last checked 5 November 2026. Report an error.