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BMW M2 Coupé

BMW M2 Coupé Car Insurance

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BMW M2 Coupé

Home / Car Insurance / BMW Car Insurance / BMW M2 Coupe Car Insurance

Owning the BMW M2 Coupe is an absolute dream for car enthusiasts around the world. Its powerful engine, sporty looks and exhilarating drive make it one of the most coveted vehicles. However, buying this incredible machine is just the beginning. As a responsible owner, you must ensure your prized possession is legally protected on the road. This makes purchasing comprehensive car insurance for the BMW M2 Coupe an essential investment. Let's explore the importance, coverage, benefits and process of securing robust insurance for your beloved BMW M2.

Why Should You Buy Car Insurance For A BMW M2 Coupe?
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Here are some key reasons why buying adequate car insurance is crucial for your BMW M2:

As per Indian motor vehicle laws, driving any car without at least a basic third-party car insurance policy is illegal. You can face heavy penalties if caught without proper documentation.

Financial Security
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The BMW M2 Coupe is an expensive luxury car with a hefty price tag. In case it gets damaged in an accident, natural disaster or other unforeseen event, you may incur huge repair bills running into lakhs. Having insurance eliminates this financial risk.

Cover Expenses in Case of Theft
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Luxury cars like the BMW M2 are also prime targets for thieves. If your car gets stolen, you can recover the insured declared value and avoid major economic losses with a comprehensive policy.

Peace of Mind
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Knowing your prized BMW M2 is legally insured and financially protected gives immense mental peace. You can drive it hassle-free without worry or stress.

The Most Common Types Of Car Insurance For BMW M2 Coupe
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There are two prime insurance options available for the BMW M2 Coupe:


Third-Party Liability Only
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This basic cover meets legal requirements by protecting third-party liabilities - injury/death and property damage. However, it does not cover any damage to the M2 Coupe itself in case of an accident or mishap.


Comprehensive Insurance
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This is strongly recommended for high-end vehicles like the BMW M2. Along with third-party coverage, it provides extensive protection for the car itself against the risk of damage, theft, vandalism, natural disasters etc. It covers the costs of repair or total loss replacement.

Comprehensive insurance is the ideal choice for luxury cars as it offers financial security along with third-party liability coverage. Considering the BMW M2's stellar specs and premium pricing, a Comprehensive policy makes complete sense.

What is Covered

What is Not Covered

What Is Covered In BMW M2 Coupe Car Insurance?
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A comprehensive BMW M2 insurance policy provides extensive coverage including:

  • Third-party liability - bodily injury or death of a third-party individual along with associated legal/medical costs.

  • Third-party property damage - costs to repair or replace property damaged in an accident caused by the insured M2.

  • Own damage - covers the cost of repairing the M2 Coupe itself arising from accidents, collisions, overturning, etc.

  • Damage due to man-made causes - riot, strike, malicious acts etc.

  • Damage due to natural causes - floods, earthquakes, storms, lightning etc.

  • Fire damage.

  • Theft of vehicle.

  • Total loss or constructive loss - the insurance company will pay Insured Declared Value in case of vehicle getting stolen or damaged beyond repair.

What Is Not Covered By BMW M2 Coupe Car Insurance?
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While comprehensive insurance provides extensive coverage, some exclusions are there:

  • Any damage caused when driving under the intoxication of alcohol or drugs.

  • Losses arising from mechanical or electrical breakdown.

  • Wear and tear of consumable parts like tyres, brakes and batteries.

  • Losses incurred when using the vehicle for racing, rallies or off-road driving.

  • Damage caused when driving without a valid license.

  • Losses outside the geographical boundaries of policy.

  • Losses arising when the car is used outside personal use without informing the insurer.

Add-ons For BMW M2 Coupe Car Insurance
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Some useful add-ons and riders that enhance coverage are:

Zero Depreciation Cover
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This waives off the depreciation cost applied on parts replacement in case of an accident. It helps you get the full insured amount for repairs.

Engine and Gearbox Protection
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Covers repair and replacement costs for internal engine parts, gearbox and transmission in case of damage. Quite useful for high-performance cars like the M2.

Consumable Expenses
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Covers expenses incurred on consumables like engine oil, nuts/bolts, screws, washers, grease, etc. during an admissible claim.

Key Replacement Cover
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Pays for replacing your car keys and/or lock if your original car keys are lost or stolen.

NCB Protection
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Lets you retain your No Claim Bonus even if you claim during the policy period. Useful for not losing your accumulated NCB.

Personal Belongings Cover
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Insures personal belongings kept inside the car against burglary or theft.

Benefits Of bBuying ACKO Car Insurance For Your BMW M2 Coupe
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ACKO provides a seamless and convenient experience for purchasing comprehensive BMW M2 insurance with benefits like:

How To Buy/Renew BMW M2 Coupe Insurance From ACKO
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Renewing or purchasing BMW M2 insurance from ACKO involves:

  1. Visit the ACKO website or download the mobile app.

  2. Enter your BMW M2's registration number and select policy type.

  3. Provide previous policy details if renewing.

  4. Choose optional covers like Zero Depreciation as per need.

  5. Make payment to instantly buy/renew policy.

  6. Digital copy of the insurance certificate emailed immediately.

The whole process takes less than 15 minutes with no paperwork involved.

4 Easy Steps To Raise A Claim
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ACKO has simplified the claim settlement process:

  1. Intimate claim by calling the ACKO helpline or via mobile app.

  2. ACKO representative will inspect the damaged vehicle & submit a report.

  3. Upload scanned copies of required documents like KYC, FIR etc.

  4. Claim is swiftly processed & settlement credited quickly.

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The BMW M2 Coupe is a treasured possession for any car enthusiast. Comprehensive insurance is essential to legally drive it and ensure financial security against unforeseen events. ACKO makes buying and managing insurance completely digital, transparent and hassle-free. Get your beloved M2 Coupe insured now and drive it around safely!

The BMW M2 Coupe is a treasured possession for any car enthusiast. Comprehensive insurance is essential to legally drive it and ensure financial security against unforeseen events. ACKO makes buying and managing insurance completely digital, transparent and hassle-free. Get your beloved M2 Coupe insured now and drive it around safely!

Frequently Asked Questions on BMW M2 Coupé Car Insurance
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What documents are required while purchasing BMW M2 Coupe insurance?

You need to provide your KYC documents (Aadhaar, PAN card etc.), BMW M2 registration certificate, previous policy copies if renewing, no claim bonus certificate and valid driving license.

How is the Insured Declared Value (IDV) calculated for the BMW M2 Coupe?

IDV is calculated based on the manufacturer's listed selling price, depreciation based on the age of the car and other factors like model variant and physical condition.

I have modified my BMW M2 Coupe, will this impact insurance?

Yes, you need to inform the insurer (ACKO) about any modifications like engine tuning, body kits etc. This may alter IDV and premium.

Will my No Claim Bonus get impacted if I sell my BMW M2 Coupe?

No. Since the NCB is linked to you as a policyholder, it can be transferred when you buy new car insurance.

How soon can I raise a claim if my BMW M2 Coupe meets with an accident?

You should inform the insurer immediately or within 24 hours of the accident to start the claims process. Delay can impact settlement.

How is claim settlement done if a BMW M2 Coupe is damaged beyond repair?

If repair costs exceed 75% of IDV, it is termed constructive total loss. The insurer will pay the IDV amount less applicable depreciation.