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BMW Two-wheeler Insurance

Two wheeler Insurance for BMW

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BMW Group motorcycle brand BMW Motorrad is known for designing performance-oriented bikes in segments such as long-distance enduros, exclusive luxury touring bikes, racing motorcycles and urban bikes. For every type of BMW bike, motor insurance is required to protect the owner-rider against any third party liabilities or damages/losses to the insured bike. Read on to learn all about BMW bike insurance, online bike insurance benefits and answers to some of the frequently asked queries.

Benefits of Buying Two Wheeler Insurance for BMW Bikes

Bike insurance is not only a mandatory document to ride the vehicle on public roads, it is essential to protect you against third-party liabilities and the insured vehicle. BMW bikes utilise performance-oriented spare parts either to aid the rider in terms of safety and offer sporty performance. Replacing or repairing these parts are expensive; however, with motor insurance, the liabilities are covered by the insurer. The following benefits of buying bike insurance for BMW bikes are available through the Comprehensive insurance:

  • Personal accident cover for the owner-rider.

  • Coverage towards damages or losses to the insured bike.

  • Coverage towards third party life or property.

  • Get the sum insured amount in case of total loss or damages.

  • Losses due to riots, vandalism or such man-made calamities.

  • Losses due to floods, earthquakes or such natural calamities.

  • Coverage against damages or losses due to fire or theft.

Insurance Plans for BMW Bikes

Bike insurance for your BMW Motorrad bike are of the following types:

Third-Party Bike Insurance

Offers coverage only to third party life or damages to property and is mandated by the law through the Motor Vehicles Act.

Comprehensive Bike Insurance

Offers coverage to third parties and the insured bike and has the option to choose from various Add-on covers.

Coverage Comprehensive Bike Insurance Third-Party Bike Insurance
Third-party property/injuries Yes Yes
Damages to the insured BMW bike Yes No
Calamities caused by humans (riots, vandalism) Yes No
Personal Accident (PA) cover for owner-rider (policyholder) Yes Yes
Theft or damages due to fire Yes No
Add-ons for Insurance Yes No
Customise Insured Declared Value (IDV) Yes No

What’s Covered in BMW Bike Insurance (Inclusions)?

Ideal bike insurance should offer a wide coverage at a lower price or premium. These are available through the Comprehensive insurance with the following benefits:

  • Personal Accident cover for the policyholder/driver.

  • Coverage for third party life/property damage.

  • Coverage to the insured vehicle.

  • Losses or damages due to floods, earthquakes and other man-made calamities.

  • Coverage against theft or fire.

  • Damages due to vandalism, riots and other natural calamities.

Exclusions of BMW Bike Insurance

Like all insurance policies, the following are limitations to the BMW two-wheeler insurance:

  • Damages or losses caused while riding the bike without a driving licence.

  • Regular wear and tear of bike parts.

  • Damages or losses caused while riding the bike in an intoxicated state.

  • Damages or losses caused while riding the bike outside the geographical area.

  • Insured being used for illegal or unlawful activities.

  • Damages or losses caused due to electrical or mechanical breakdown.

Add-ons for BMW Bike Insurance

Add-ons provide extra coverage which the basic Comprehensive insurance does not cover. Below are the Add-on covers that you choose from:

1. Zero Depreciation

The insurance company will not consider the depreciation of the parts being replaced or repaired while settling claims.

2. Pillion Ride Cover

Get coverage for the pillion rider in case of an accident. This is in addition to the Personal Accident cover for the owner-rider.

3. Invoice Protection

In case of theft or total loss, the insurer will offer the Insured Declared Value (IDV) of the bike; however, the Invoice Protection cover, you will receive the invoice value.

4. Engine Protection

The engine is not covered under the basic insurance; however, the Engine Protection Add-on will cover damages due to oil leakage or water ingression.

5. NCB Protect

It protects the No Claim Bonus even if you register a claim during the policy period.

Benefits of Buying Acko Two-Wheeler Insurance for Your BMW Bike

Acko is a new-age digital insurance company offering products online without the need for agents or middlemen to sell insurance policies. Below are the main benefits of buying Acko bike insurance for your BMW bike:

Transact Online

Buy, renew and raise claims online with the help of the internet by visiting the website or the smartphone app.

Faster Settlement of Claims

Register claims online to pick up your vehicle, get it repaired at the network garage and drop the bike back to you.

Get Assistance from Experts

Get guidance for insurance experts at Acko for queries on purchase, renewal, claims and other insurance-related services.

Cashless Experience

Get your BMW bike fixed at a network garage and avail cashless services.

Claim Procedure

Below are the steps to raise a claim online. Digital insurance company such as Acko provide a paperless process while raising a claim:

  • Step 1: Access the website or the mobile app of the insurance company.

  • Step 2: Under the ‘claim’ section, register your claim and you have to upload the damages sustained by the insured vehicle.

  • Step 3: The insurer will assign a surveyor to inspect the damages and get it repaired at the network garage for cashless claim service.

Note: You can also opt for the reimbursement process and generally this process is considered time-consuming compared to the cashless claim.

Frequently Asked Questions

Below are answers to some of the frequently asked queries about BMW bike insurance:

Commonly Asked Questions About BMW Bike Insurance

Where can I buy BMW bike insurance?

Traditionally, bike insurance could be purchased through an agent or middlemen, required a lot of paperwork and you have to approach the insurer’s branch office to resolve issues. However, new-age insurance companies have revolutionised the way customers can interact directly with the insurer. This is possible via the internet. You can visit the website of insurers such as Acko to buy bike insurance online hassle-free and at a competitive price in the market.

Is BMW bike insurance expensive?

The insurance cost is based on different factors such as the cost of the vehicle, year of manufacture, the location of the vehicle, etc. Hence, the value of the bike determines the bike insurance premium BMW bikes. That said, the cost of insurance is lower bought through online insurance companies. Digital-first insurers do not have insurance agents or middlemen which has resulted in the reduction of the company’s operational costs. This has led them to offer one of the best bike insurance for BMW bikes and online insurance has brought customers and insurance companies to transact directly.

How long does it take to renew BMW bike insurance?

Immediately! This is achievable through new-age digital insurance companies. They have transformed their operations into a digital environment making the entire renewal process faster and quicker than ever before. Visit the insurer’s website or access their smartphone app to log into your account to renew the policy instantly and receive the policy to registered email address.

What documents are required to insure my BMW G 310 R?

Traditionally, you had to submit several documents to insure your two-wheeler; however, with insurance companies increasingly using the internet, they offer online and paperless transitions. Insurers such as Acko promote paperless transactions. You need details such as the registration number of the bike, location of the bike, year of manufacture and previous insurance policy (if required). These details are enough to insure your BMW bike instantly.

How to decrease the insurance cost of BMW bikes?

The cost of insurance for the bike depends on the value of the vehicle, the model and the year of manufacture, the location and the variant; however, you can still decrease the price. This is possible through digital insurance companies which deal directly with customers and removing the need for an agent to sell the insurance. Also, you can become a member of associations such as Western Automobile Association of India or the Automobile Association of India. Additionally, you can install security devices such as anti-theft devices as insurers take this into consideration while pricing the insurance policy.

How does IDV impact the insurance cost?

IDV or Insured Declared Value is the sum insured amount or the approximate market value of the bike. This is paid to the policyholder in case of total loss or damages to the insured bike. While purchasing the insurance, you have the option to increase or decrease the IDV. Hence, if the IDV is increased, the insurance cost increases and vice versa as well.

What are the best Add-on covers for BMW bikes?

Add-on covers are offered when you buy Comprehensive bike insurance. The basic insurance policy does not cover certain losses and damages such as damages to the engine, pillion rider cover, etc. However, Add-ons provide that extra edge to the standard insurance cover. You can opt from various add-ons depending on your requirement. You can refer to details of various add-ons available for two-wheeler insurance mentioned-above.

My BMW bike insurance has expired. Is the inspection required to renew the policy?

Usually, the insurance company provides a 30-day grace period from the expiry date to renew the policy. Furthermore, you can still renew the policy after the grace period by paying the required penalties. During such scenarios, the insurance company will assign a surveyor to inspect the bike before the insurance policy is issued to the vehicle.

Can I port my bike insurance policy to a new insurance company?

Yes, you can port the bike insurance from your existing insurer to a new insurance company. Visit the new insurer’s website or their mobile app to insure your vehicle. You will need details such as the registration number, location, model and year of manufacture of the bike and existing policy details to renew or insure your bike insurance.

Should I opt for the bike insurance from my BMW bike from the bike dealer?

Generally, the bike dealer will arrange to insure your bike. You can also approach the insurance company to insure your bike. You can opt for online insurance companies who have made insurance-related services easier and efficient for customers.

About Bike Insurance for BMW Bikes

Part of the automobile conglomerate BMW Group, BMW Motorrad is the motorcycle division of the group. The brand’s legacy dates back to the 1920s when the company rolled out the BMW R32 which was powered by a 486cc engine that was capable of producing a maximum power of 8.5hp. The company has the credit of being the first bike manufacturer to manufacture a telescopic front fork with hydraulic damping. Since then, they have ventured into every segment of motorcycling.

BMW bikes are importantly known for their premium and feature apart from frugal and powerful engines that propelled them to win several motorsport competitions. While the German brand continues to provide excellent and premium motorcycles across the globe and in India, these bikes certainly require vehicle insurance to protect from third-party liabilities and to the insured bike.

Bike insurance for BMW bikes should offer a wide coverage at a lower price point. However, this is not the only criteria while shopping for the best bikes insurance for BMW bikes. The insurance company should have the ability to provide a seamless experience, whether you are buying, renewing or raising a claim. Insurers with a higher Claim Settlement Ratio are typically categorised as a good insurance company providing excellent service.

Why Should You Buy a BMW Bike?

While BMW is known for building luxury and premium cars and have a presence across the world, their bike brand, BMW Motorrad, also designs and builds some of the most fascinating and dynamic motorcycles in the world. BMW bikes are not only known for their premium features, they are more known for their ride and handling capabilities. The company focuses on driver-oriented motorcycles which offer great riding experience be it in the racetrack, long-distance travel or even in the urban jungle. They have motorcycles ranging from touring, adventure, cruisers and cool urban bikes.

Motorcycles built by BMW have been on the expensive side; however, they have filled the gap with affordable and small-capacity engine bikes such as the BMW G 310 R and the BMW G 310 GS. These two bikes are the cheapest and smallest bikes built by the company. One can choose from a variety of bikes such as the GS range of adventure motorcycles, retro-modern bikes such as the BMW R18 to the potent sportbike BMW S 1000 RR.

Whether you are looking for an adventure, roadster, sport or tourer, BMW has a bike for each of the segments catering to different needs of the customer. Apart from dynamic bikes, they also provide good post-sales service and do not compromise on the quality of their work or bike parts. If you are looking for a premium and performance-oriented bike, BMW has a bike for you. However, ensure you insure the bike with a robust bike insurance policy.

BMW G 310 R Specifications

Engine (cc) 313
Fuel Type Petrol
Power (PS) 34
Torque (Nm) 28
Gearbox 6-Speed
Maximum Speed (km/h) 143
ABS Dual-Channel
Fuel Tank Capacity (litres) 11

BMW G 310 GS Specifications

Engine (cc) 313
Fuel Type Petrol
Power (PS) 34
Torque (Nm) 28
Gearbox 6-Speed
Maximum Speed (km/h) 143
ABS Dual-Channel
Fuel Tank Capacity (litres) 11

BMW S 1000 RR Specifications

Engine (cc) 999
Fuel Type Petrol
Power (PS) 207
Torque (Nm) 113
Gearbox 6-Speed
Maximum Speed (km/h) 299
ABS Dual-Channel
Fuel Tank Capacity (litres) 16.5

BMW R 1250 GS Adventure Specifications

Engine (cc) 1254
Fuel Type Petrol
Power (PS) 136
Torque (Nm) 143
Gearbox 6-Speed
Maximum Speed (km/h) 200
ABS Dual-Channel
Fuel Tank Capacity (litres) 30

BMW R 1250 GS Specifications

Engine (cc) 1254
Fuel Type Petrol
Power (PS) 136
Torque (Nm) 143
Gearbox 6-Speed
Maximum Speed (km/h) 200
ABS Dual-Channel
Fuel Tank Capacity (litres) 20

BMW F 900 XR Specifications

Engine (cc) 895
Fuel Type Petrol
Power (PS) 105
Torque (Nm) 92
Gearbox 6-Speed
Maximum Speed (km/h) 200
ABS Dual-Channel
Fuel Tank Capacity (litres) 15.5

BMW S 1000 R Specifications

Engine (cc) 999
Fuel Type Petrol
Power (PS) 165
Torque (Nm) 114
Gearbox 6-Speed
Maximum Speed (km/h) 200
ABS Dual-Channel
Fuel Tank Capacity (litres) 20

BMW R 18 Specifications

Engine (cc) 1802
Fuel Type Petrol
Power (PS) 91
Torque (Nm) 158
Gearbox 6-Speed
Maximum Speed (km/h) 180
ABS Dual-Channel
Fuel Tank Capacity (litres) 16

BMW F 900 R Specifications

Engine (cc) 895
Fuel Type Petrol
Power (PS) 105
Torque (Nm) 92
Gearbox 6-Speed
Maximum Speed (km/h) 200
ABS Dual-Channel
Fuel Tank Capacity (litres) 13

BMW R 1250 R Specifications

Engine (cc) 1254
Fuel Type Petrol
Power (PS) 135
Torque (Nm) 143
Gearbox 6-Speed
Maximum Speed (km/h) 200
ABS Dual-Channel
Fuel Tank Capacity (litres) 18

BMW R 1250 RT Specifications

Engine (cc) 1254
Fuel Type Petrol
Power (PS) 135
Torque (Nm) 143
Gearbox 6-Speed
Maximum Speed (km/h) 200
ABS Dual-Channel
Fuel Tank Capacity (litres) 25

Models and Ex-Showroom Price of BMW Bikes

BMW Motorrad has launched bikes in the touring, sports, adventure, roadster and heritage segment. Below are the ex-showroom price of BMW bikes in India, and they are subject to changes:

BMW Models Type Ex-Showroom Price (Rs.)
BMW G 310 R Roadster 2.45 Lakh
BMW G 310 GS Adventure 2.85 Lakh
BMW S 1000 RR Sport 18.50 Lakh
BMW R 18 Heritage 18.90 Lakh
BMW R 18 First Edition Heritage 21.90 Lakh
BMW R 1250 GS Adventure 20.45 Lakh
BMW R 1250 GS Adventure Adventure 22.35 Lakh
BMW F 900 R Adventure 10.50 Lakh
BMW S 1000 XR Adventure 20.90 Lakh
BMW R 1250 R Roadster 15.95 Lakh
BMW F 900 R Roadster 9.90 Lakh
BMW R 1250 RT Tour 22.50 Lakh

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

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