BMW X3 Car Insurance

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The German automobile giant perfectly blends high-performance and high-end luxury with the BMW X3. The precious experience of rugged control and superior class that this beautiful vehicle enables warrants the best financial protection. That’s where insurance comes in.

Let’s take a look at the basic overview of BMW X3 insurance, its coverage benefits and different types of insurance plans.

Why you should buy car insurance for BMW X3

Legal purposes

Third-party insurance is legally mandated by the government of India. It is illegal to drive without it. Adequate third-party car insurance is an absolute necessity for driving on Indian roads.

Financial purposes

It's a smart move to be prepared for unforeseen or uncontrollable circumstances so that your risk-related out-of-pocket expenditures are reduced significantly.

Protection

Car theft can be a heavy financial burden. Get partial or even total reimbursement with the right Insurance coverage.

Perks

With a wide range of cashless garages available, you can choose a nearby garage of your choice and get the car repaired conveniently. Assistance with roadside breakdowns, return to invoice, zero depreciation, and many more cost-reducing options are also available with insurance policies.

The most common types of car insurance for BMW X3

Two basic types of insurance policies for the BMW X3 that you should know about:

Third-party coverage

The collective safety of the public is mandated by the Motor Act of 1988. This policy is requisite by law for every car owner and covers any damages caused by your vehicle to other vehicles, individuals, or properties.

Comprehensive coverage

These are all-in-one policies that provide more than just Third-party liability coverage. They financially secure you against any unfortunate accidents, natural calamities, and man-made disasters.

What is Covered

What is Not Covered

What is covered in BMW X3 car insurance? (Inclusions)

The following inclusions are usually found in a comprehensive car insurance policy:

Third-Party coverage: For incidents that occur between your vehicle and other vehicles, property, or individuals.
Coverage against natural disasters like earthquakes, cyclones, and floods.
Coverage against theft, strikes, and burglaries.
Coverage against accidents like road wrecks, collisions, and overturns.
Coverage against self-ignition incidents like fires and explosions that may lead to partial or total damage.

What is not covered by BMW X3 car insurance? (Exclusions)

The following are some usual exclusions from a comprehensive insurance policy:

Natural depreciation is normal wear and tear due to the ageing process of some parts of the vehicle.
Damages due to vehicular electrical and mechanical problems, unless caused by an accident.
Damages that existed before the policy’s commencement date.
Damages caused due to drunk driving or under the influence of substances.

Add-ons for BMW X3 car insurance

A comprehensive insurance policy can be made even better with helpful add-on options:

Zero depreciation: Waives off any deductions caused due to the depreciation of your car parts, hence reducing your out-of-pocket spending.
Return to Invoice: If your car gets stolen or is damaged beyond repair, this coverage allows you to get compensation equivalent to its original monetary value when you bought it.
Engine & gearbox cover: It is advisable to insure the costly engine of the luxury SUV.
Roadside assistance cover: A mechanic or a tow truck will immediately be sent to aid you in case your vehicle breaks down in the middle of the road.

Benefits of buying ACKO car insurance for your BMW X3

Here’s why you should get ACKO’s comprehensive car insurance policies:

Total transparency

You only pay the insurance premium, and that’s it. No fees, no commissions, no middlemen, and no hidden charges.

Instant settlements

Easy online claim submissions and approvals.

Zero paperwork

Browse and purchase any kind of insurance you want on our website or mobile app.

Hassle-free process

Buy or renew your car insurance policy anytime, anywhere, on the ACKO website or app.

24x7 support team

Dedicated assistance – anytime, anywhere – by a team of trained specialists.

How to Buy/Renew BMW X3 Insurance from ACKO

Easily buy or renew your insurance policy online:

Download the ACKO mobile app or visit the website.
Enter your car’s registration number and other basic details
Choose your preferred policy, and select your add-ons.
Instantly make the payment online.

4 easy steps to raise a claim

Raise a claim with ease on ACKO:

Log in to your ACKO profile on the web/app
Click on ‘Claim Now’
Answer the questions
Upload the necessary documents

Minor claims can be settled instantly online. Major claims will be settled with the help of a representative who will connect with you at your earliest convenience.

Conclusion

The BMW X3’s style and power are unprecedented. However, so are the ever-so-real risks of accidents. Stay stress-free with a thoroughly customised and carefully curated insurance policy. Such an awesome car deserves nothing but the best. Hope we were able to help you with the basics of car insurance. All the best to you with your decision-making! Please feel free to reach out in case you ever need any other guidance.

Frequently Asked Questions on BMW X3 Car Insurance

FAQs

Does my BMW X3 insurance cover regular servicing and maintenance?

Oil changes, wheel alignments, tune-ups and other types of regular servicing are not covered under the policy.

What’s the waiting period for the insurance policy for my BMW X3?

10 minutes. That’s how fast it is with ACKO to buy a policy.

What documents will I need to purchase insurance?

Buying or renewing a policy on ACKO does not require you to submit any documents. Usually, though, commonly required documents include the Registration certificate of the vehicle, KYC identification documents like Aadhaar, any previous policy documents for NCB, and your PAN ID.

Is engine and gearbox insurance mandatory for my BMW X3?

The BMW X3‘a engine is very expensive and replacements or repairs will cost you quite a buck. So, engine and gearbox insurance is highly recommended.

How soon should I renew my expired BMW X3 insurance policy?

You should renew the policy as soon as it expires, as any damage incurred during the lapsed period would not be eligible for coverage.