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BMW Bike Insurance
BMW Bike Insurance is important to protect your premium motorcycle from unexpected expenses. In case of an accident, theft, or damage due to natural calamities, bike insurance helps cover repair and replacement expenses.
As BMW bikes are often used for long-distance touring and daily riding, having the right insurance plan helps reduce financial stress. A BMW bike insurance policy covers third-party liabilities and can also protect your bike against accidents, fire, theft, and natural disasters, depending on the coverage chosen.
Overview of BMW Bikes
BMW Motorrad is the motorcycle division of BMW Group. This bike specific division was launched in India in the year 2017.
BMW was incorporated in 1916 in Germany by Franz Josef Popp. BMW Motorrad began its motorcycle journey in 1923 with the launch of the R32, marking the brand's entry into premium motorcycling.
BMW bikes are known for their strong build quality, advanced safety features, powerful engines, and comfort-focused design. The brand offers bikes across touring, adventure, sports, and roadster segments. In India, BMW bikes are popular among riders who prefer premium performance, long-distance touring, and high-end technology.
BMW Bike Variants with their Premium
Here is the list of BMW bike variants with their insurance cost:
| Bike Model | Comprehensive Bike Insurance | Third Party Bike Insurance | Own Damage Bike Insurance | |
|---|---|---|---|---|
| BMW K Series | Check Premium | |||
| BMW F 850 GS | Check Premium | |||
| BMW F 650 GS | Check Premium | |||
| BMW F 700 | Check Premium | |||
| BMW G 310 GS | Check Premium | |||
| BMW G 310 R | Check Premium | |||
| BMW HP2 Sport | Check Premium | |||
| BMW R nineT Scrambler | Check Premium | |||
| BMW R nineT | Check Premium | |||
| BMW F 750 GS BS4 | Check Premium | |||
| BMW F 850 GS Adventure | Check Premium | |||
| BMW F 850 GS (BS4) | Check Premium | |||
| BMW F 900 R | Check Premium | |||
| BMW F 900 XR | Check Premium | |||
| BMW G 310 GS (BS4) | Check Premium | |||
| BMW G 310 R (BS4) | Check Premium | |||
| BMW G 310 RR | Check Premium | |||
| BMW R 18 | Check Premium | |||
| BMW R 18 Transcontinental | Check Premium | |||
| BMW R nineT Racer (BS4) | Check Premium | |||
| BMW R nineT Scrambler (BS4) | Check Premium | |||
| BMW R nineT (BS4) | Check Premium |
Types of BMW Bike Insurance Plans
BMW bike insurance is available in different types, allowing you to choose coverage based on your riding needs and budget.
- 01
BMW Third Party Bike Insurance
This is the mandatory insurance required by law under the Motor Vehicles Act, 1988. It covers injury, death, or property damage caused to a third party by your BMW bike. It does not cover damage to your own bike.
Get Quote - 02
BMW Comprehensive Bike Insurance
This plan provides complete protection for your BMW bike. Along with third-party coverage, it also covers damage to your bike due to accidents, theft, fire, and natural calamities. It is suitable for riders looking for wider financial protection. You can also choose add-ons with comprehensive BMW bike insurance for enhanced coverage.
Get Quote - 03
BMW Standalone Own Damage Bike Insurance
This plan covers damage to your BMW bike only. It is purchased separately if you already have a valid third-party policy. It helps manage repair costs caused by accidents or other covered events. Add-ons can also be included with this plan.
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Add-On Covers Available for BMW Bike Insurance
Along with a standard BMW bike insurance policy, you can opt for optional add-on covers to get extra protection. These add-ons are available with comprehensive and own damage plans at an additional premium. List of add-ons:
Zero Depreciation Cover
Roadside Assistance Cover
Engine Protection Cover
Consumables Cover
Key Replacement Cover
Personal Accident Cover for Pillion Rider
No Claim Bonus (NCB) Protection Cover
Tyre Protection Cover
Return to Invoice Cover
Loss of Personal Belongings Cover
Documents You Need to Buy BMW Bike Insurance
Below are the documents required while buying BMW bike insurance online or offline:
Registration Certificate (RC)
Driving Licence
Previous Insurance Policy (if applicable)
Bike Invoice (for new bikes)
IDV (Insured Declared Value) details (for old bikes)
Address Proof
Identity Proof
Payment Details
How to Buy BMW Bike Insurance Online
Buying BMW bike insurance online is a quick and easy process that saves time and effort. Here is a simple guide to help you buy BMW two-wheeler insurance:
Step 1
Visit the official Square Insurance website and click on Bike Insurance.Step 2
If you are insuring a new BMW bike, select the Got a New Two-Wheeler option.Step 3
If your BMW bike is already registered, enter the bike registration number and click on "View Plans".Step 4
Select your BMW bike's RTO, make, model, variant, and registration year from the list.Step 5
Compare BMW bike insurance plans offered by top insurance companies in India.Step 6
Choose suitable add-on covers and adjust the IDV as needed.Step 7
Complete the payment using debit card, credit card, UPI, or net banking.Step 8
After successful payment, the BMW bike insurance policy will be sent to your registered email within a minute.
How to Renew BMW Bike Insurance
Renewing your BMW bike insurance on time helps avoid policy lapse and loss of benefits. The renewal process is simple and hassle-free:
- 1
Visit the Square Insurance website.
- 2
Select the option to renew your existing bike insurance policy.
- 3
Enter your current policy details and required personal information.
- 4
Review your existing coverage and update it if needed.
- 5
Check the premium amount for your renewed BMW bike insurance.
- 6
Choose a payment method such as debit card, credit card, UPI, or bank transfer.
- 7
Confirm the details and complete the payment to finalise your BMW bike insurance renewal.
BMW Bike Insurance Claim Process
The BMW bike insurance claim process helps you get financial support in case of an accident, damage, or theft of your bike. It is designed to be simple and quick:
- 1
Step - Inform your insurance company about the accident or damage immediately.
- 2
Step - A surveyor will inspect your BMW bike to assess the damage.
- 3
Step - Fill in the claim form and submit it along with the required documents.
- 4
Step - The insurance company will review and approve the claim request.
- 5
Step - Take your damaged BMW bike to a network garage for repairs.
- 6
Step - Once repairs are completed, the insurer will settle the bill directly with the garage.
- 7
Step - You may need to pay deductibles or expenses not covered under the policy.
How the BMW Bike Variant Affects the Insurance Price
Your BMW bike variant plays an important role in deciding the insurance premium. Here is a simple explanation:
- 01
Engine capacity
Higher engine capacity BMW bikes usually have higher premiums.
- 02
Bike price
Expensive BMW variants attract higher insurance costs.
- 03
Repair cost
Variants with costly spare parts or advanced technology may increase the premium.
- 04
Type of bike
Sports and performance-oriented BMW bikes usually have higher premiums than standard bikes.
- 05
Technology and features
ABS, advanced braking systems, and smart features can slightly raise the premium.
- 06
Risk factor
Powerful bikes or those used frequently may be considered higher risk by insurers.
In short, higher-value and high-performance BMW bike variants usually come with higher insurance premiums.
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BMW Bike Insurance FAQs
BMW bike insurance not only helps you to protect your premium motorcycle but also provide a complete financial and legal protection at the time of liability.
Yes, as per Indian law, having at least third-party BMW bike insurance is compulsory to legally ride your bike on public roads.
BMW bike insurance covers damages to your bike due to accidents, theft, fire, floods, earthquakes, and also provides third-party liability coverage. You can enhance protection with add-ons.
Yes, you can easily buy BMW bike insurance online by comparing plans, choosing coverage, and completing payment digitally in just a few minutes. This online purchase is possible through any of your insurer or insurance broker.
You can lower your BMW bike insurance premium by opting for a voluntary deductible, maintaining a claim-free record to earn NCB, and selecting only necessary add-ons.