speak for ACKO
speak for ACKO
speak for ACKO
BMW Z4 Car Insurance
Upto 85% off on BMW Z4 Car Insurance
Buy or Renew BMW Z4 Car Insurance Online in 2 Minutes ⚡️
Getting a brand new car?
Save up to ₹40,000* on your insurance
Home / Car Insurance / BMW Car Insurance / BMW Z4 Insurance
The BMW Z4 is a stylish two-seater convertible. If you are a lucky owner of this good-looking luxury car, this article is for you. Here, we have highlighted the importance of BMW Z4 insurance and the pros of online car insurance. Read ahead to learn how to financially protect yourself against accident-related damages to your Z4.
Importance of buying online car insurance for BMW Z4
Here’s why you should purchase online BMW Z4 insurance.
1. Easy transaction
Buying car insurance offline usually involves filling out several paper-based forms. In contrast, if you opt for online insurance, you only have to digitally enter a few details about your car, select a suitable policy and make an online payment. Once the payment is completed, the policy document will be emailed to you.
2. Instant access
Offline insurance typically requires you to visit the insurance company office or meet an agent to buy a policy and raise accident-related claims. On the other hand, online insurance can be bought and claimed against from anywhere, provided you have an internet-connected smartphone or computer.
3. Anytime assistance
Accidents are unfortunate and can occur at any time. In light of that, it is always wise to have access to immediate help. For this purpose, online insurers typically provide a 24x7 toll-free number or a detailed help guide which you can use to get instant assistance.
Car insurance policies for BMW Z4
The following are the primary types of car insurance policies available for a BMW Z4.
Third-party Car Insurance Policy
As per Indian road laws, Third-party Car Insurance is the minimum required insurance to legally drive your BMW Z4 in India. It protects you against third-party liabilities such as collisional injury, death and property damage. However, it does not cover any accident-related damages to your vehicle.
Comprehensive Car Insurance Policy
A Comprehensive Car Insurance is a combination of the legally mandatory Third-party Insurance and an Own Damage (OD) Cover. The OD Cover will compensate you if your car gets stolen or endures damages stemming from natural or man-made causes. A Comprehensive Policy also provides the option of extending coverage by purchasing add-ons.
What’s covered in BMW Z4 car insurance?
Z4 insurance (Comprehensive Coverage) provides coverage in the following situations.
If your car is involved in a collision and gets damaged
If a third party gets injured, dies or faces property damage as a result of an accident involving your car
Damages that are caused by natural catastrophes such as cyclones, storms, floods, etc.
Damages that are caused by man-made catastrophes such as strikes, vandalism, riots, etc.
Fire caused damages
In the event of your four-wheeler being robbed
What’s not covered in BMW Z4 car insurance?
Z4 insurance is not applicable in the following cases.
If you are found driving without a valid driving licence
If you do not active car insurance
If your car’s components wear and tear due to ageing
Mechanical or electrical malfunctions that cause issues
Driving without following traffic rules
Driving after consuming critical judgement-affecting substances
Damages that happen beyond the geographical areas covered by the policy
Add-ons for BMW Z4 car insurance
Here are some of the popular add-ons offered by insurance companies along with a Comprehensive Car Insurance. However, kindly note that they are contingent on availability.
Return to Invoice Cover
Consumables Cover
Zero Depreciation Cover
Key Replacement Cover
Roadside Assistance Cover
Outstation Emergency Cover
Why ACKO?
ACKO is a leading online insurance provider, and one of our key insurance offerings is car insurance. The following are compelling reasons why you should choose us to insure your BMW Z4.
1. Cost-effective policies
Our digital infrastructure enables us to avoid certain operational costs that offline insurers typically incur. We also do not employ any intermediaries in our transaction process. These factors help us to save costs & provide low-priced insurance policies
2. Rapid settlements
Claim-related settlements generally take a few days or even weeks to get processed. However, that is not the case with ACKO’s claim process. For instance, we settle claims for minor damages within just a few hours from when you raise the claim request.
3. Door delivery
In the event of accident-related damages, notify us. We will pick up your BMW Z4 and take it to a nearby garage of your choice. Once the repairs are completed, we will deliver it to your doorstep. This benefit is applicable only under select policies.
ACKO’s claim procedure
Follow these easy steps to raise damage-related claims with ACKO.
Step 1: Visit our website or mobile application and sign in to your account.
Step 2: Go to the policy card of your BMW Z4 and click on “claim now” near it.
Step 3: A set of damage-related questions will appear. Answer them, upload relevant pictures and click “submit”.
Once our claims team receives your request, they will process it per your policy's terms and conditions.
Frequently asked questions
In this section, we will discuss some of the most frequently asked questions regarding BMW Z4 insurance.
Since BMW Z4 is a luxury car, is the cost of insuring it higher than that of regular cars?
Yes, the cost of insuring luxury cars like the BMW Z4 is higher than that of insuring regular cars.
Which car insurance policy offers the best coverage for a BMW Z4?
A Comprehensive Car Insurance Policy offers the best coverage for a BMW Z4. It also offers an option of extending existing coverage using add-ons.
Can I drive my Z4 without car insurance?
As per The Motor Vehicles Act of 1988, you cannot legally drive your Z4 on Indian roads without obtaining at least basic car insurance.
Car insurance for other BMW car models/variants
Below are the car insurances for BMW models in India:
BMW 3 Series Insurance
BMW 5 Series Insurance
BMW 7 Series Insurance
BMW X7 Insurance
BMW X4 Insurance
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
Car Insurance for Popular Brands
Nikhila PS
Senior Content Editor
Nikhila is a content creator with 6+ years in EdTech and motor insurance, turning complex policies into clear, engaging content. She enjoys exploring digital trends, social media, and art while planning her next short escape.
Rekhit Singh Kaushal
Senior Director - Motor Underwriting
Rekhit Singh Kaushal is Senior Director at ACKO, a leading digital motor insurance provider in India. With deep expertise in insurance strategy and innovation, he brings trusted insights on car and bike insurance to help drivers stay protected.
#36/5, Hustlehub One East, Somasandrapalya 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102