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Car insurance is a must for all cars, especially for a premium luxury car brand like BMW. The repair cost of such an expensive car can be shocking. However, having a Comprehensive Car Insurance cover can reduce the monetary burden. It is a broad range of coverage that not only protects your finances against unexpected damages to your car but also covers third-party liabilities. Read ahead to know more about BMW insurance and its benefits.
What’s Covered in BMW Car Insurance? (Inclusions):
BMW Comprehensive Car Insurance Plan provides coverage against the following:
Losses to the car due to an accident.
Damage/losses to third-party property or life.
Damage to the car due to fire or an explosion.
Theft or total loss of the insured vehicle.
Damage to the car due to man-made disasters such as riots, vandalism, etc.
Losses to the vehicle due to natural calamities such as cyclones, earthquakes, floods, etc.
Exclusions of BMW Car Insurance:
BMW car insurance does not offer coverage against the following circumstances:
Damage/losses due to electrical/mechanical failure.
Damage to the car when driving without a driving licence.
Damage/losses to the car due to regular wear and tear caused over the year.
Damage to the car when driving under the influence of intoxicating substances.
Loss/Damage to the car due to reckless driving/improper handling.
Damages/losses occurred outside the specific geographical location.
Add-ons that are not purchased.
Benefits of Buying BMW Car Insurance Policy from ACKO
Below are the major benefits of buying a BMW Car Insurance Policy from ACKO:
Buy Online Car Insurance
You can buy/renew car insurance online at ACKO without any paperwork. Within a few minutes, the purchase or car insurance renewal will be done. Visit ACKO’s website or mobile app for a smooth and hassle-free experience.
Quick Claim Settlements
Raising claims related to your car insurance policy at ACKO is extremely simple. Just log in to the website/app and file the claim online. You will receive instant claim settlements for minor damages. If the damages are major, the claims will be settled in a few days.
Expert Advice and Assistance
ACKO’s car insurance experts will assist you in choosing the right car insurance policy for your BMW car. Get advice and assistance for the entire process of buying or settling a claim.
Low-Cost Car Insurance Plans
At ACKO, BMW Car Insurance prices is comparatively less. As there are no agents/middlemen involved in the buying/renewing processes.
Insurance plans for BMW;
Car insurance is of two types. Comprehensive Car Insurance and Third-party Car Insurance. Below are the details of each plan for your BMW cars
Comprehensive Car Insurance Policy
A Comprehensive Car Insurance Policy is extensive coverage for your vehicle as it provides financial protection against damages or losses incurred due to accidents, fire, explosion, or natural and man-made calamities such as floods, riots, etc. Mandated by The Motor Vehicles Act, 1988, Third-party coverage is also offered under a Comprehensive insurance policy. Additionally, you have the option to enhance your policy by adding car insurance add-ons.
Third-party Car Insurance Policy
A Third-party Car Insurance is mandatory and will invite penalties if you are caught driving your BMW car without this plan. Having a Third-party policy protects you against financial losses arising out of third-party policies. However, it neither covers damage to your vehicle nor offers an add-on option for your vehicle.
Add-ons for BMW Insurance:
A Comprehensive Car Insurance Policy allows you to expand the coverage via add-ons. Note that, your insurance premium increases as per your chosen add-on cover. Below are some add-ons for BMW Car Insurance:
Engine Protection Cover
Outstation Emergency Cover
Key Replacement Cover
Consumables Cover
Roadside Assistance Cover
Personal Belonging Protection
Claim Procedure:
Follow the below steps to file a car insurance claim at ACKO:
Step 1 - Visit the ACKO website or Download the ACKO app.
Step 2 - Login to your account with the registered mobile number.
Step 3 - Click on the “Claim” button.
Step 4 - Submit the damage details and upload the picture of your damaged vehicle.
Step 5- For minor damages, you will receive an instant claim settlement.
Step 6 - ACKO’s car insurance expert will get in touch with you if the damage is severe.
Car Insurance for 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 Z4 Insurance
BMW X7 Insurance
BMW X4 Insurance
Frequently Asked Questions
Below are some of the most commonly asked questions about BMW car insurance:
FAQs
1. How can I renew my BMW Car Insurance online?
To renew your BMW car insurance online, you have to log in to your account either through ACKO.com or ACKO app. Select the policy against your vehicle and within a few minutes, you can renew the insurance policy without any documentation.
2. Can I purchase add-ons from another insurer, if I have purchased BMW insurance from one insurance?
No, you cannot buy add-ons from another insurer, if you have already purchased insurance from one insurer.
3. How to avail my previous NCB at the time of my BMW car insurance renewal?
If no claim has been raised during your policy period, you can avail of your No Claim Bonus (NCB) at the time of your BMW car insurance renewal. Keep in mind that your car insurance renewal has to happen before the previous policy expires.
4. Is it compulsory to buy add-ons for BMW car insurance?
A Comprehensive Car Insurance Policy allows you to buy add-ons, but it is not mandatory to opt for an add-on. However, you can consider purchasing add-ons for your BMW car as it provides additional coverage benefits.
5. Can I buy add-ons along with the Third-Party Car Insurance Policy?
No. You can not buy add-ons along with a Third-party Car Insurance Policy. Only a Comprehensive Car Insurance Plan gives you the option to choose add-ons.
6. How long will it take to insure my BMW car?
You can insure your BMW car within a few minutes. Simply visit the ACKO website or mobile app, submit your vehicle details such as registration number, car model, etc. Select a plan for a BMW car and complete the online payment.
7. Which factors affect my BMW car insurance premium?
The major factors affecting the BMW insurance cost are the age of the vehicle, the car model, geographical location, and the approximate market value of the car. Apart from that other factors such as No Claim Bonus (NCB), which acts as a discount, also affect the premium.
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Written by
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.
Reviewed by
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.
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