Just to try and put your minds at rest, you don't have to use Isofix. The method of fitting a seat in the car and restraining with the 3 point belt is just as secure, when fitted correctly. Isofix was only really developed because over 40% of seat in use on British roads today are found to be ill fitted. All seats on the market are tested to the same standard across Europe, ECE 44.03, so to be sold they must be safe, and it is a very stringent test, I have seen it. Sorry should explain I work in the Nursery industry, so sold car seats and been part of teams that have developed and designed them. Oh yes, sorry there are different and varying results from seats, and if you really want to get more info Which is a good source of advice as they regularly do car seat reviews.
I recommend that you take your car to mothercare or Halfords and try the Britax seat or the Maxi Cosi Priory, my two favourite junior seats on the market place. When they have fitted them in your car, if you wish to test how secure they are fasten the harness and pull on this, don't try to rock the seat on the frame as it will move, the harness tug is the correct way to check the fit. A good hard sharp tug in a forwards motion, like if there was an impact. If you can't get a tight fit, you need to put more weight/pressure on the seat, so put your knee in the baby seat push it deep into the back seat then take the tension out of the belt, as you then lift your knee out the seat you will see it will lock off easier and firmer.
As for invalidating your insurance, how do BMW know who you are insured with and the under writings of the policy? Its rubbish!
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