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About BMW India
BMW (Bayerische Motoren Werke AG) is a luxury car company from Germany, with its main office in Munich. It started in India in 2007 and has its headquarters in Gurugram, Haryana. BMW India makes luxury cars and also sells MINI and BMW Motorrad (bikes). BMW cars are known for their style, comfort, and strong performance. The company also has a plant in Chennai where it assembles popular models like the 3 Series, 5 Series, 7 Series, X1, X3, X5, and the Mini Countryman.
BMW Car Variants Insurance Premiums
Disclaimer:- The insurance premium price mentioned in the above table is estimated and suggestive and can vary depending on the car’s location, RTO, policy types and more.
About BMW Car Insurance
BMW Secure is an insurance plan offered by BMW Financial Services in India. It gives full protection for your BMW car. The plan includes tyre replacement, fixing damaged alloy wheels, help if you lose your car key, and roadside help – all for free. The insurance lasts for one year after you buy the car. You can renew it at any BMW showroom in India.
Inclusions and Exclusions Under BMW Car Insurance
What is Covered in BMW Car Insurance
- If your car catches fire or there is an explosion
- If your car is damaged in a road accident
- If someone dies, gets hurt, or their property is damaged because of your car
- If your car is stolen or someone breaks into it
- If your car is damaged while being moved from one place to another
- If there is damage due to natural events like floods, cyclones, or earthquakes
- If people damage your car during a strike or riot
What is Not Covered in BMW Car Insurance
- If your car breaks down due to engine or electrical issues
- If your car is damaged while being used for business or delivery work
- If your car is damaged and the driver didn’t have a valid license
- If your car is damaged while driving after drinking alcohol or using drugs
- If your car is damaged outside the area mentioned in the insurance policy
Add-ons Available in BMW Car Insurance
You can make your BMW car insurance stronger by adding some extra covers. You just need to pay a little more. These extra covers include:
- 01
Roadside Help (Roadside Assistance Cover)
If your car stops working in the middle of the road, this cover helps you. You can get help with towing, fuel delivery, flat tyre, or even battery issues.
- 02
NCB Protect
Normally, if you make a claim, you lose your No Claim Bonus (NCB). This add-on helps you keep your bonus even after making a claim.
- 03
Zero Depreciation Cover
When your car parts get old, the claim amount is usually reduced. With this cover, you get the full cost of the parts during repair, with no deduction.
- 04
Consumables Cover
It pays for small items like engine oil, nuts, bolts, grease, and filters. These are usually not covered in basic insurance.
- 05
Engine Protect Cover
If your engine gets damaged due to water or oil leaks, this add-on covers the cost. It saves you from spending a lot on costly engine repairs.
- 06
Personal Belongings Cover
If your personal items like a mobile, bag, or laptop are stolen from the car, you get money back. This add-on helps protect your things kept inside the car.
- 07
Tyre Protect Cover
This covers damage to tyres and alloy wheels caused by potholes, cuts, or bumps. It helps you avoid spending extra on tyre repairs or replacement.
How to Buy BMW Car Insurance
- Step 1
Go to the homepage and click on "Car Insurance."
- Step 2
Enter your car’s registration number or click "Got a New Car" if you just bought it.
- Step 3
Select your car’s details like make, model, fuel type, and registration date.
- Step 4
Fill out the registration form and click "Next."
- Step 5
Look at the car insurance plans for BMW and choose one that suits your budget.
- Step 6
If you want extra coverage, add it under "Add-on Cover" if you choose a full plan.
- Step 7
Pay online using a debit/credit card, UPI, or net banking.
- Step 8
Check your email for the policy documents from the insurance company.
Documents Needed to Make a BMW Car Insurance Claim
Your car insurance policy
A claim form (filled and signed by you)
Your car’s registration certificate (RC)
A copy of the police report (FIR) – needed if it’s a theft or third-party case
Your KYC documents (like ID proof and address proof)
Process of BMW Car Insurance Claim
Here is the simple process of claiming BMW car insurance without any hassle:
Step 1
If your car is in an accident, stolen, or damaged by someone, go to the nearest police station and file an FIR (First Information Report). You’ll need a copy of this for your claim. For natural disasters or other damages, try to take clear photos or a video of the damage.Step 2
Tell your insurance company about the incident as soon as you can. Ask them which documents you need to submit for the claim.Step 3
Fill out the claim form and send it along with the documents to your insurance company.Step 4
If your car needs repairs, the insurance company will send a surveyor to check the damage. They will write a report, and your claim will be processed based on that.Step 5
Once your claim is approved, you can take your car to a garage that works with the insurance company. After the repair is done and you’re happy with it, sign the form. The insurance company will pay the garage directly (cashless service).
BMW Car Insurance Premium Calculator
A BMW car insurance premium calculator is a simple online tool that helps you know how much you might have to pay for insurance before you buy it.
To get the estimate, you need to enter:
Your car’s make and model
Where the car is registered (RTO) and the year it was registered
Variant and fuel type
The car’s ex-showroom price
If you got a No Claim Bonus (NCB) and any past claims
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BMW Car Insurance FAQs
The premium insurance cost depends on the model, year, and location, but it is usually higher than average because BMWs are luxury cars.
Yes, BMW offers its own insurance plans through BMW Secure or BMW Insurance Solutions.
Yes, BMW insurance is usually higher because the cars are expensive to repair or replace.
Yes, BMW’s own insurance plans offer good coverage, including theft, damage, and roadside help.
Most insurers require the driver to be at least 18 or 21 years old, depending on the policy.