10 Items to Have in Your BMW Emergency Kit

Every vehicle should have an emergency kit for a number of reasons. The first reason most people think of is a breakdown or some other mechanical issue, but a human emergency could happen as well. Someone in the car might have a sudden medical incident or an accident may occur that requires immediate attention.

Although these situations are unlikely, BMW owners must make the necessary preparations to protect their luxury vehicles and the passengers inside them. Here are ten items you should have in your BMW emergency kit.

1. First Aid Kit

A first aid kit can make the difference between life and death, making it the most important part of your supply list. As the most immediate source of medical care, it should include a variety of devices for all possible medical emergencies:

  • Gloves and eye protection
  • Gauze bandages and pads
  • Antiseptic wound cleaning solution
  • Medical tape
  • Scissors
  • Burn cream
  • Tourniquette 
  • Splint
  • Eye wash
  • CPR Mask

Familiarize yourself with each tool and put the kit in an easily accessible part of the vehicle, like the glove compartment or one of the pockets behind the front seats. We hope you never have to use it.

2. Spare Tire Kit

A flat tire is one of the most probable roadside issues you might experience, so a spare tire kit is a must-have. The kit doesn’t have to be flashy. All it needs is fresh tire, jack and a lug wrench. If a flat tire occurs, don’t try to drive on it. Pull over as quickly as you can and keep a safe distance from oncoming traffic.

3. Jumper Cables

A dead battery is another common problem that all car owners should be prepared for. Keep a set of jumper cables in your trunk so you can jumpstart your BMW and get back on the road. You can always call a friend or flag down a passing driver to provide the other vehicle, but you can’t guarantee that they have jumper cables. That’s why it’s a good idea to have your own cables.

4. Rechargeable Flashlight

A flashlight can be an extremely useful emergency tool, but only if it works. A USB rechargeable flashlight provides a reliable light source and shines farther and longer than standard LED devices. Make sure you charge your flashlight before any night drive or long-distance trip and bring a USB charger everywhere you go.

5. Antifreeze

Antifreeze is the third essential item for roadside fixes. If your BMW stops running properly due to extreme temperatures, this fluid will save the day and keep you moving. You should also know the telltale signs that your car needs antifreeze, like a high temperature gauge, orange or green fluid leaks and a sweet syrupy smell that often accompanies the leaks.

6. Fire Extinguisher

Cars are known to catch on fire on the rare occasion, so you need something to put out the flames quickly. A fire extinguisher with Class B and Class C ratings will do the trick. SInce the fire will probably start under the hood, store the extinguisher towards the back of the vehicle to keep it away from the flames.

7. Extra Food and Water

You should always bring a small supply of food and water if you plan on driving through a remote area. If the car breaks down, you can sustain yourself until emergency services arrive. Keep enough water bottles and dry food items (protein bars, trail mix, etc.) to last you and your passengers at least 24 hours.

8. Protection From The Elements

You might run into extreme weather conditions depending on your location and the time of year. A durable rain jacket is useful year-round, but these items might also prove useful:

  • Umbrella
  • Thick coat
  • Hat and gloves
  • Blankets
  • Sunscreen
  • Bug spray

You also don’t want your vehicle to be your only shelter, so a small tent, sleeping bag and some toiletries should go in your trunk as well.

9. Portable Cell Phone Chargers

Fast communication is vital in any emergency situation and a dead phone won’t do. Your emergency kit should include a portable cell phone charger for iPhones and Androids to ensure that you or a passenger has a reliable power source if something goes wrong and you can’t reach a wall outlet.

10. Bright or Reflective Devices

If you need to pull over due to an emergency, set up some reflective warning triangles or road flares behind your vehicle about 50 feet apart to warn other drivers of your presence. The lights will also ensure that emergency services see your exact location, which could make the difference in a life and death situation.

Protect Your BMW and Everyone Inside

BMWs are some of the safest luxury sports cars available, but they’re not immune to common mechanical issues. None of us are immune to car accidents or medical emergencies, either. Protect your BMW and everyone inside by adding these essential items to your emergency kit so you’re prepared for every situation. 

How Much Does It Cost to Insure a BMW?

Buying a luxury car like a BMW might seem easy, but it’s often not as simple as walking into the dealership and signing on the dotted line. Insurance is essential to car ownership, but a luxury vehicle insurance differs from a Toyota Corolla or a Dodge Ram. 

How much does it cost to insure a BMW? How does luxury insurance differ from the policy you’d need for a non-luxury vehicle?

Types of Car Insurance 

Understanding how much it costs to insure a BMW starts with learning about the different types of insurance available. The type of insurance you need will likely include but isn’t limited to: 

  • Liability Insurance — Liability coverage steps in if you’re at fault for an accident. This coverage usually includes bodily injury coverage and a policy to take care of property damage. 
  • Uninsured Motorist Coverage — This part of the policy comes into play if the other party in the accident doesn’t have insurance coverage. 
  • Personal Injury Protection (PIP) — This coverage protects you regardless of who is at fault in an accident. 
  • Medical Payments Coverage — While only required in two states, medical payments coverage or MedPay covers all medical bills for you and your passengers, regardless of fault. 
  • Collision Coverage — As its name suggests, this part of the insurance policy pays for any damage to your car. It might even cover damage from potholes in some circumstances. 
  • Comprehensive Coverage — Comprehensive coverage takes care of everything else. This part of the policy protects you if you have a cracked windshield that needs replacement or has a squirrel that decides to snack on your cables. 

Most policies offer extras as well, for an additional fee. Things like roadside assistance, rental reimbursement and other features can help protect you if your insured car gets totaled. These features make your policy more expensive, but they can save you a lot of money in the long run. 

Insurance Cost Variables 

Different variables can impact the cost of your insurance policy, including: 

  • The year, make and model of the vehicle. 
  • The total replacement cost
  • The total cost for repairs or replacement parts
  • The performance of the vehicle
  • The age of the primary driver
  • The gender of the primary driver
  • Your driving habits
  • Vehicle features such as anti-theft and accident avoidance. 

The insurance for a 30-year-old female driver who drives a 10-year-old Ford Focus will be lower than that for a 22-year-old male driver who drives a two-year-old BMW 330i. The latter may also require additional insurance features. 

Standard vs. Luxury Insurance

Purchasing a luxury vehicle already represents a significant investment. It makes sense that it would cost more to protect that investment. Everything about a luxury vehicle costs more, from repairs and replacement parts to overall replacement costs if the car is totaled in an accident. 

The average insurance cost for a standard daily driver, like a 2019 Toyota Camary, is around $1,674 annually. For BMW owners, the price can be significantly higher. On average, a full coverage policy for a 2019 BMW 330i can cost upwards of $2,225 a year. This average is on the low end of BMW insurance costs because of the significant differences in vehicle price. For a 30-year-old male, an X6 can cost up to $3,468 annually to insure. A more expensive vehicle, like an i8, can cost upwards of $6,550 to insure for the 12 months. 

How Much Insurance Do You Need?

How much insurance do you need for your BMW? The answer will vary, depending on the cost of your vehicle and what you can afford. Under optimal conditions, experts recommend carrying the highest liability coverage you can afford. For most drivers, that means carrying a 100/300/100 policy, meaning your policy covers $100,000 in bodily injury per person, up to $300,000 per accident and $100,000 of property damage coverage. This doesn’t include collision or comprehensive coverage, but it will protect you in the event of an accident. 

The minimum personal injury protection required by your state will vary. In some, like New Jersey and Florida, it’s only $10,000, but it’s essential to ensure you have at least the minimum required coverage. You’ll also likely want to have more coverage in the event of an accident, if only because $10,000 doesn’t go very far when it comes to medical bills. Investing in more coverage is the best idea for luxury vehicles. 

Protect Your Investment

Insurance coverage might seem like an unnecessary expense, but it’s about more than just complying with local or state laws. A comprehensive insurance policy protects both you and your vehicle in the event of an accident. It won’t prevent damage or injury if an accident does occur. 

Still, it will be easier to repair or replace the vehicle if the insurance agency declares it totaled. It can also help with the cost of medical bills if you or your passengers are injured. Don’t cut corners when it comes to insuring your BMW. 

Does BMW Have a Future in Boating?

German automobile giant BMW is known worldwide for its luxury sports cars, SUVs and motorcycles, but it could earn a reputation in another vehicle category: boats. BMW has partnered with several boat designers and manufacturers to create new toys for the water, but it’s still too early to estimate their success. Does BMW have a legitimate future in boating? Let’s find out.

The Sundancer 370 Outboard

Designworks – a BMW Group company – is the organization leading the charge into boating. It partnered with American boat manufacturer Sea Ray in early 2021 to create a new boat called the Sundancer 370 Outboard. This boat is BMW’s biggest water-based project to date and could preview what the car company has in store for the future. These are the 2022 model’s main specifications:

  • Class: Cruiser
  • Hull Material: Fiberglass
  • Length: 39 feet and 9 inches
  • Weight: 21,008 pounds dry, 22,947 pounds total
  • Bridge Clearance: 12 feet
  • Fuel Tank: 250 gallons
  • Capacity: three people
  • Top Speed: 50.8 mph
  • Longest Range: 201 miles

Designers said they wanted the boat to have four characteristics: sleek, confident, athletic and distinctive. At first glance, it contains hints of previous Sundancer models but has sharper lines and a more aggressive look overall. It looks more like a vessel built for high speeds than a luxury cruiser. 

The four qualities the builders were looking for certainly come to mind when you approach the boat. The hull has innovative design features with their own new names, such as the S-sheer line, jawline and center crease.

These lines make the boat look more muscular and rugged, while the glass windshield goes all the way up to the hardtop canopy, allowing for better climate control and more comfortable driving. In fact, drivers describe the experience as yacht-like, as the boat delivered a smooth ride with few bumps and splashes.

Things get more luxurious once you step onboard – as expected for a BMW-influenced boat. The bow space is more open than usual for Sea Ray vessels, with plenty of seating and storage space. The stern also has comfortable, roomy seating, complemented by hardwood tables and surrounded by a powerful Fusion stereo system.

You enter the cabin from the port walkaround, where you’ll find a complete kitchen, bathroom and lodging for three. The stained hardwood and white fiberglass pair together remarkably well. A custom diamond pattern makes subtle appearances here and there, making it feel like a proper luxury vessel.

Boat Engines

BMW has also established itself in the production of boat engines, most notably with Swedish diesel outboard company Oxe Marine. BMW agreed to provide engine blocks for the company’s 200-horsepower (hp) engines and collaborate on a new 300-hp engine that will be released in the near future.

The BMW logo and caption “In Cooperation With BMW” will appear on every device as a sign of the partnership’s long-term intentions. BMW officials said the partnership “offers the BMW Group a chance to re-enter the marine business after several years of absence.” 

These partnerships with Sea Ray and Oxe Marine show that BMW is serious about increasing its influence in the boating industry. But what kind of success can a car company expect to have on the water? 

Looking Ahead

Although BMW has the brand awareness and technological capabilities to make a splash in the boating industry, the industry itself might not have room for another power player. Like many other lines of business, boating is facing supply shortages that could inhibit the production of the Sundancer and Oxe engines.

As a result of the supply shortages, options are limited, prices are high and buyers often have less time to consider purchasing a boat before someone else snatches it up. This rush leads to risky agreements, incomplete documentation and an overall lack of trust between sellers and buyers. These factors might stifle the growth of BMW-related boating products that many buyers aren’t familiar with.

But we’re being pessimistic and premature. The Sundancer was only released in early 2021, and the new Oxe Marine engine isn’t even finished yet. It’s far too early to determine the success/failure of these products. 

The most likely scenario is that BMW’s boating products will gain a niche following from wealthy buyers and luxury car enthusiasts looking to add to their collections. This group will be large and stable enough for BMW to dodge economic pitfalls and remain profitable, though further expansion will be difficult.

The Future Looks Bright… Enough

The Sundancer 370 Outboard has all the makings of a successful luxury cruiser and the partnership with Oxe Marine looks promising as well. The only thing stopping BMW from gaining influence in the boating industry is the industry itself. However, BMW has the reputation and resources to overcome subpar market conditions and attract a sustainable group of buyers.

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