I've used BMW Insurance a couple of times and there are some good aspects of the cover provided. The big downside for me was that it is brokered by Devitts who are a complete pain to deal with. I had real struggles when I changed bike and moved house and they cocked up just about everything it's possible with what should have been straightforward mid-term changes (which you'll pay through the nose for). In a word - AVOID. Try LV, i've found them refreshingly easy to deal with, good value and excellent levels of cover for accessories, clothing etc.