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Purchasing the BMW 2 Series Gran Coupe, with its sporty design and luxurious interiors, is truly a dream come true for any car enthusiast. However, owning this incredible coupe involves more than just driving it out of the BMW showroom. One of the most crucial steps for any proud new owner is buying a comprehensive car insurance policy. With valid BMW 2 Series Gran Coupe insurance, you can legally drive your prized possession on Indian roads, and have complete financial protection in case the vehicle gets damaged due to an accident, theft, natural disaster or other unforeseen circumstances.
As per Indian motor vehicle laws, it is mandatory for all cars driven on public roads to have valid third-party car insurance at the very minimum. Driving without adequate insurance can lead to heavy fines, penalties or even impoundment of your vehicle by authorities.
Car insurance provides invaluable financial security in case your BMW gets damaged due to an unforeseen event. For instance, it covers repair costs if your car meets with an accident, or is damaged during riots, floods or other natural disasters.
If your BMW is involved in an at-fault accident that causes bodily injury to a third party, or damages their property, you may be sued for compensation. Car insurance covers such third party liabilities so you don't have to pay from your own pocket.
Based on your specific needs, you can add extra coverage like zero depreciation, engine protector etc. to enhance your financial protection. The right add-ons can really maximize coverage.
This basic insurance plan covers injury or property damage caused by your BMW to third parties like pedestrians, other vehicles etc. However, any damages to your own car are not covered. It meets legal requirements but gives limited protection.
The most popular and advisable policy, it covers third-party liability along with extensive coverage for own damage, theft, loss or destruction of your own BMW 2 Series Gran Coupe. Provides end-to-end protection with flexibility of add-ons.
What is Covered
What is Not Covered
A comprehensive BMW 2 Series Gran Coupe insurance policy typically includes coverage for:
Bodily injury or property damage liability towards third parties - Covers injury or property damage caused by your BMW to others on the road.
Damage to your own car due to natural disasters - Covers damage from floods, storms, earthquakes, etc.
Damage to own car from man-made incidents - Covers events like fires, riots, strikes, and terrorist activities.
Damage from accidents - Covers collision, overturning or accident-related damages.
Theft of vehicle - Covers loss due to theft, burglary or malicious acts.
Fire damage - Covers damage due to fire, explosion, or self-ignition.
While comprehensive insurance is extensive, some exclusions apply:
Damages due to driving without valid license
Wear and tear due to normal aging of parts
Losses outside geographical limits defined in policy
Damage from driving under alcohol influence
Mechanical or electrical breakdown
Depreciation cost of parts replaced after accident
Consumables like engine oil, lubricants etc.
You can opt for the following add-ons to enhance your cover:
Zero Depreciation Cover - Waives off depreciation cuts on replaced parts after an accident.
Roadside Assistance - Provides towing, on-spot repairs etc. in case of breakdown.
Invoice Price Cover - Provides coverage for full invoice value instead of depreciated IDV.
Engine Protector - Covers water or oil damage to the engine.
Consumable Expenses - Covers cost of replenishing consumables after repair.
NCB Protector - Protects No Claim Bonus even if claim is made during policy period.
Here are the key benefits of purchasing comprehensive BMW 2 Series Gran Coupe Insurance from ACKO:
No Paperwork - 100% digital process for convenience.
No Commission - Direct customer service saves you agent commission costs.
Fast Claim Settlement - Tech-enabled processes ensure quick claim approval.
Cashless Garage Access - Hassle-free repairs at authorized garages.
Flexible Add-Ons - Choose add-ons to customize policy as needed.
Free Pickup-Drop for Repairs - No need to drive a damaged car to the garage!
Special Discounts - Get discounted premiums for safe driving habits.
Follow these easy steps:
Step 1) Visit ACKO website or download the mobile app
Step 2) Enter your BMW's registration number and click 'Get Quotes'
Step 3) Choose your ideal insurance plan - third-party or comprehensive
Step 4) Select optional add-ons as per your specific coverage needs
Step 5) Enter personal details and make premium payment digitally to purchase/renew policy
Step 6) Policy copy will be emailed instantly. Display hard copy in the car.
Step 1 - Intimation: Inform ACKO of claim via call, email or by logging into your profile.
Step 2 - Information: Provide details of accident or damage along with date, location, engine number etc.
Step 3 - Documentation: Submit required documents like proof of insurance, RC copy etc. to support the claim.
Step 4 - Settlement: Surveyor will inspect damage & process claim payout as per policy terms & conditions.
The BMW 2 Series Gran Coupe is a luxury vehicle that deserves the very best protection in the form of comprehensive insurance. With ACKO, you can buy and manage policy digitally, customize with add-ons, get speedy claim assistance, and enjoy complete financial peace of mind. Invest in a good insurance policy so you can drive your prized BMW without worry. Stay safe and stay protected on the road!
You will need vehicle registration certificate, KYC documents like Aadhaar card, driving license copy and previous policy copies (if any) to purchase new BMW 2 Series Gran Coupe insurance.
IDV is based on the manufacturer's listed selling price of your BMW model and its depreciation as per age. It is the maximum amount insured under own damage cover.
Yes, the policy covers all drivers duly licensed and mentioned in the policy schedule as insured drivers, for third-party liability and own damage protection.
Yes, most insurers like ACKO allow you to pay premiums in monthly installments by paying a small additional interest charge. This makes budgeting easier.
Making a claim could negatively impact your No Claim Bonus (NCB) and result in increased premiums at renewal time. NCB protector add-on helps retain NCB despite the claim.
Yes, insurance can be transferred along with the vehicle's ownership by filing relevant forms and nominal fee with the insurance provider.