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A name associated with luxury and comfort; BMW is a brand that needs no introduction. One of the best-selling car manufacturers globally, BMW started its operations in India in 2007. BMW cars are a luxury investment, which means getting them insured is not something you would want to take your time doing. With Bajaj Allianz General Insurance’s online BMW car insurance, your car can get an all-rounded protection from unfortunate on-road accidents.
There are various models of BMW that you can find in India. The list of popular models includes X1, X5, X6, 1-series, 3-series, and 5-series, to name a few. Being a luxury car brand, BMW leaves no stone unturned when it comes to the features being offered in their cars. These features include:
These features, along with many others, make the BMW a deluxe purchase. With the help of four-wheeler insurance, you can insure your new purchase and ensure its longevity.
Let’s look at the benefits of buying car insurance online for your brand-new BMW:
The great part about buying motor insurance for your car online is that you can purchase it using your mobile or your computer, no matter where you are. All you need to do is either visit the insurer’s website or use their app and purchase it in a few simple steps.
When you purchase car insurance online, you get to enjoy the advantage of savings on your purchase. Buying the policy online will have you buying directly from the insurer. As there are no agents involved, your BMW car insurance price will be lesser when compared to an offline purchase, and there will be no additional charges on your purchase.
If your insurance policy is nearing its expiry date, you can renew it easily online from your insurer’s website. Just visit your insurer’s website and get your policy renewed with a few simple steps. And the best of it all, your BMW insurance price remains unchanged during renewal.
Damages caused to third-party vehicle and property
Third-party injuries or death caused due to accident
Damages caused due to natural calamities such as earthquakes and floods
Damages caused due to manmade calamities such as riots
Damages/Loss of car due to fire
Damages/Loss of car due to theft
When you are looking to purchase car insurance for your BMW car, you can select either one of the following:
Third-party car insurance is the basic insurance you can buy for your car. It is mandatory under the Motor Vehicles Act of 1988. The policy is designed to cover the damages caused specifically to the third-party (this includes vehicle and property). Additionally, it covers injuries and deaths caused to the third-party. You are required to purchase a personal accident cover with the policy as well.
Comprehensive car insurance provides you coverage for both own damages and third-party damages under the same policy. Own damages include damages caused due to accident, natural, and manmade calamities. Damage or loss caused due to fire or theft are also covered by the policy. There is the provision of including add-ons in your policy to enhance the policy’s coverage. It is important to note that the cost of this policy is higher when compared to a third-party insurance policy.
You can add the following add-ons in your BMW comprehensive car insurance:
With this add-on, the insurer compensates you with the maximum value for your claim without taking into consideration the depreciated value of your car.
If your car suddenly stops working while driving, you can avail emergency services from your insurer with the help of this add-on.
If you misplace your key by accident, under Key Replacement add-on, your insurer will provide you with a temporary key for usage until you get a new key from your dealer.
This add-on covers the engine of your car from problems that might hamper its proper functioning.
You can purchase your BMW car insurance online by following these steps:
Via these simple steps, you can easily purchase the policy. Before you purchase the policy, you can use the car insurance calculator to get an estimated price for the policy you want to purchase.
You can renew your BMW car insurance online with these steps:
There are two types of car insurance claims: cashless claim and reimbursement claim.
1. Cashless claim
The steps for filing a cashless claim are:
2. Reimbursement claim
Steps 1-4 of a cashless claim should be followed as is for a reimbursement claim as well. The only difference is that you can get your car repaired at a garage of your choice. Once the car is repaired and the payment has been made by you, your insurer will reimburse you for the paid amount
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Yes, car insurance is indeed mandatory for every car in India. The Motor Vehicles Act of 1988 has made it mandatory that every car being driven on Indian roads needs to have at least third-party car insurance. Not having a policy can get your penalised by the authorities.
The services you can avail under the emergency roadside assistance are tyre refilling/replacement, fuel refilling, battery charge and free towing to the nearest garage.
Removing unnecessary add-ons, adding safety devices to your car, and not filing claims for minor damages are some of the ways to reduce your insurance premium.
Fuel type of your car, the cubic capacity, your area of residence and driving record are some of the factors that affect the price of the premium you pay for your policy.
Third-party car insurance covers only third-party damages and injuries/deaths and does not cover own damages.
Written By : Bajaj Allianz - Updated: 22nd April 2024
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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