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BMW Car Insurance
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The worldwide leading brand in the premium car segment, BMW India Private Limited started its operations in 2006. The manufacturing house of BMW India is located in Chennai, and its part warehouse is located in Mumbai. It is well-known that BMW products offer premium quality and unrivalled innovations in the automotive department.
One of the wide range of BMW India activities includes developing dealer organisations across all the major metropolitan cities in India. The German luxury brand BMW has a strong Indian line-up that comprises SUVs, sedans and coupés, also including versions of the high-performance M range.
BMW India Car Models
BMW 2 Series Gran Coupé
The BMW 2 Series Gran Coupé is a perfect blend of a comfortable sedan and a sporty coupé. The introductory price of this bold model is around INR 4,040,000 (ex-showroom, Delhi). Some of its features include LED taillights, rounded roofline, and frameless doors that give a modern spin on the class coupé style.
Some of its user-friendly features include the parking assistant, reversing assistant, and gesture control for a smooth driving experience.
BMW X1
The BMW X1 has set a new standard with its all-new athletic design. The starting price of the sporty model is around INR 3,720,000 (ex-showroom, Delhi). It comes with an authoritative appearance with its adaptive LED headlights, BMW kidney grille, and bold bumper in conjunction. All displays are controls of the car are neatly arranged and within easy reach of the driver’s comfort and operation.
BMW 6 Series Gran Turismo
The BMW 6 Series Gran Turismo comes with unique aesthetics along with its luxurious interior. Its features related to sporty dynamics and superior driving characteristics give the utmost ride comfort in long journeys.
The BMW 6 Series Gran Turismo has its introductory price of around INR 6,590,000 (ex-showroom, Delhi). The technology is specially designed to control fuel consumption and carbon dioxide emissions for being environmentally friendly.
BMW M2 Competition
The starting price of the BMW M2 Competition is around INR 8,500,000 (ex-showroom, Delhi). It comes equipped with a Bi-turbo 6-cylinder petrol engine for excellent performance. It also comes with enlarged inlets along with a full-length kidney grille for a powerful appearance.
The model is equipped with M leather steering wheels for optimised performance and interior looks.
BMW 3 Series
The starting price of the BMW 3 Series is around INR 4,260,000 (ex-showroom, Delhi). The most exciting feature of the BMW 3 Series is if you say “Hey BMW”, the BMW 3 Series recognises your voice and responds to your every command.
It comes equipped with Full-LED headlights and a striking kidney grille for that extra touch of power in its appearance. Some of its luxury features include an air conditioning controlling unit in the rear for maximum customisation of temperature in the rear passenger seats.
What is Covered Under BMW Car Insurance Policy
Third-Party Losses: In the unfortunate event of third party loss, your policy will take care of the legal and financial liabilities.
Damages Due to Accidents: If your car is damaged due to an accident, nothing to worry about as your car insurance policy got you covered.
Car Thefts: In case your car is stolen, your car insurance policy will look after the same.
Damages Caused in Fire: If your car catches fire, your car policy will pay for the damages.
Damages Due to Natural/Man-made Disaster: When flood, hurricane, hail storm, tornado, riots, etc attack your car, your car insurance policy comes in handy.
Personal Accident: In case you meet with an accident that leads to injuries or unfortunately death, your policy will offer compensation of up to INR 15 lakh.
Note: You will have to buy PA Cover separately.
What is not Covered Under BMW Car Insurance Policy
Drunken Driving: No car insurance company will accept your claim if you were drunk or under an intoxicant when the accident happened.
Unauthorised Driving: Your claim will be rejected if the driver is without a valid Driver’s License.
Deliberate Accident: If the accident has been caused purposely, the claim will be rejected.
Consequential Damages: Consequential damages that are caused after the accident are not covered under insurance.
Negligence: An accident occurs because of your own negligence, you won’t be able to claim the damages.
Depreciation: Damages that are caused because of normal wear and tear, mechanical or electric failure due to travelling.
Expired policy: If the policy has lapsed, your damages will not be covered.
Excluded Add-Ons: You will not be able to claim the benefits that you do not have in your plan.
How to Renew Your BMW Car Insurance Policy
You can renew your BMW car insurance policy in 5 easy and quick steps.
Step 1 - Fill in your Name, Address, Mobile Number, Vehicle’s Make, Model, Variant, Registration Date & the city you drive in.
Step 2- Press ‘Get Quote’ and choose your choice of Plan (Third-party liability car insurance, Comprehensive add on car insurance, Standalone own damage car insurance) or add-ons
Step 3 - Enter details of your previous insurance policy- Date of expiry, Claim made in the last year, No Claim Bonus earned
Step 4 - You will get a quote for your premium
Step 5- Make the final payment to renew your policy
BMW India Car Models Review
Launched in 2019 in India, the BMW 2 Series Gran Coupé hit the markets with its 2.0 Litre powerful diesel engine. The sedan has taken a little break from its traditions by the Gran Coupé is front-wheel driven and is rare among the rear-driven sedans. There are plenty of likeable features in this model alone offered by BMW.
BMW has a strong line-up of models in the Indian market, and all of them have made their own place, given their looks, features and aesthetics. Overall, the luxury brand is costly but is here to rule in this country for a while to come.
Add ons for your Car Insurance
BMW India Car Insurance FAQs
1. Does my car insurance policy cover external accessories?
Usually, the external accessories cost is not covered by your general car insurance. You need to be transparent about all the details of external accessories from the very beginning, or it could cause a delay in the process of an insurance claim.
So, although external accessories are not covered, you can claim your policy for accidental insurance.
2. My cousin had an accident while he was driving my car. Am I liable for an insurance claim?
You do not need to worry if the person driving your car is of legal driving age and has a driving license. So, if your cousin has a valid driving license, you are liable for an insurance claim, and you can start the process of a claim already. Just remember to present all the possible evidence to the insurance provider and be transparent about it.
3. My car was last parked outside my house before it got stolen. How should I proceed with my insurance claim?
If you are someone who parks his car at the same place every day and your insurance provider knows about it too, then you can make a claim quickly. If you cannot tell the last position of your car truthfully, it might get difficult for you to make an insurance claim.
So, make sure to inform your insurance provider about the exact place where the car was parked.