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Why Does Your BMW Need Car Insurance?
A car insurance policy safeguards your expenses from vehicle damages that may arise due to unforeseen scenarios like fire, theft, flood, earthquake, etc. Apart from this, as per the Motor Vehicles Act of 1988, it is mandatory to at least
have a third party insurance cover for your vehicle. However, it is advisable to have a comprehensive car insurance policy for a luxurious car like BMW. Let us go through some reasons to buy car insurance for BMW.
Covers Cost of Damage
Unfortunately, if your BMW car meets with an accident or suffer damages due natural or man-made disasters, it will lead to heavy repair bills, as the maintenance cost of high-end cars like BMW is very high. With comprehensive car insurance policy, your BMW car will get full-fledged protection from damages due to unforeseen events. You can also repair your BMW at HDFC Ergo cashless garages in case of any damage due to an insurable peril.
Diminishes Owner’s Liability
Car insurance policy comes with a third party cover, which protects against third party liabilities. This means that if by chance while driving your BMW car you cause damages or losses to third party vehicle or property, you will get coverage for that.
It Gives Peace of Mind
With car insurance policy, you can drive your BMW car stress free without worrying about any legal actions. Having a third party insurance policy is mandatory for all vehicles, driving without this can lead to hefty fines by RTO. Apart from this, most road accidents are not necessarily your fault. Just knowing that you are protected from any eventuality helps you drive your car with a peace of mind.
Types of BMW Car Insurance HDFC ERGO Offers
Buying a luxury car is a matter of great pride, but you must protect it from potential risks like accidents and thefts. So, once you have bought your dream BMW car, you also need a BMW car insurance policy. It will safeguard your expenses if your car gets damaged or stolen. HDFC ERGO provides a variety of insurance policies ranging from basic third-party liability insurance to multi-year comprehensive package that will provide your car the coverage it needs at a premium that fits your budget.
Including own damage cover, third-party liability and a personal accident cover, the single-year comprehensive insurance policy provides all-round protection to you and your vehicle. You can further enhance your car insurance coverage with a host of add-ons.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
The third-party liability insurance is legally mandatory to be able to drive on Indian roads. It covers you against any financial liability to a third-party person or property as a result of an accident that involves your vehicle.
Personal accident cover
Third-party property damage
Injury to a third-party person
The standalone own damage cover provides financial coverage against damage to your own vehicle in case of an accident or natural or manmade calamity. It also protects against theft. This is the perfect partner to your third-party car insurance policy. The choice of add-ons further enhances your coverage.
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
This plan has been designed by the experts for your convenience. Get a 3-year third-party cover and a yearly own damage cover in one package to ensure you’re seamlessly protected even when your own damage cover expires. Simply renew the own damage cover to enjoy comprehensive protection.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of BMW Car Insurance
The extent of coverage you will get depends on the plan that you choose for your BMW car. A comprehensive BMW car insurance policy will usually include the following:
Accidents
We cover against financial losses arising due to an accident.
Fire and explosion
You are financially protected against fires and explosions concerning your car.
Theft
Your car getting stolen is the stuff of nightmares. We ensure your peace of mind in that case.
Calamities
Natural or manmade, we provide financial coverage across a wide range of calamities.
Personal Accident
Your treatment charges are taken care of, in case of an accident.
Third Party Liability
Injuries or damage to any third-party person or to their property is also covered.
With every insurance policy, there is a defined ambit of coverage. Which means, there are a few cases that are not covered by your BMW car insurance policy:
Depreciation
Unless you’ve taken a Zero Depreciation cover, depreciation is not covered under your policy.
Wear and tear
Natural wear and tear of components can cause them to malfunction over time. This is not covered under your insurance.
Electrical or mechanical breakdown
Electrical or mechanical breakdowns of any nature are not covered, unless specific add-ons are taken.
Illegal behaviour
Driving under the influence of drugs or alcohol or not having a license is not covered, as are other legal violations.
The perfect companion to your BMW car insurance - Our add on covers
Calculate Your BMW Car Insurance premium in a breeze
STEP 1
Enter your BMW car registration number.
STEP 2
Select your policy cover*
(in case we are not able to auto fetch your BMW
car details, we will need a few details of the car such as make,
model, variant, registration year, and city)
STEP 3
Provide your previous policy
No Claim Bonus (NCB) status.
STEP 4
Get an instant quote for your BMW car.
Claims Get Easier With Us!
The world has gone digital, and so has our claim settlement process with these four quick, easy-to-follow steps.
Step #1Do away with paperwork and share your documents online through our website to register your claim.
Step #2Opt for a self-inspection or a digital inspection of your BMW by a surveyor or workshop partner.
Step #3Track your claim status through our smart AI-enabled claim tracker.
Step #4Relax while your claim is approved and settled with our extensive network garages!
How to Renew BMW Car Insurance?
Renewing or buying a new BMW car insurance policy is incredibly easy and quick. And you can do it all by yourself with just a few clicks.In fact, get your policy in a matter of minutes now. Follow the four steps below to get yourself covered.
- Step #1Visit HDFC ERGO website and choose to buy or renew your policy
- Step #2Enter your car details, registration, city, and previous policy details, if any
- Step #3Provide your email ID, and phone number, to receive the quote
- Step #4Make the online payment and get covered instantly!
Why HDFC ERGO Should be Your First Choice?
A car like BMW is not just costly to buy, but also to repair.Replacing its parts can be quite expensive too. A small accident can mean a big dent in your savings. While having car insurance mandatory, the benefits of a comprehensive policy are manifold. It protects you financially and ensures that your car returns to you as good as new even after suffering significant damage. In case it gets stolen, you will receive money from HDFC ERGO to buy a new one. You don’t need to worry about finding a reputed garage or dealing with a lengthy claim process. From offering several add-on covers that can widen your protective layer to huge discounts in the form of a No Claim Bonus, here are the top reasons why HDFC ERGO should be your pick for BMW insurance:
Discount on premium
Do you know what sets us apart from others? We offer discounts in various forms which can help you save on premium of your comprehensive car insurance policy. Furthermore, you can use your earned NCB to lower your premium by up to 50%.
Convenient and extensive service
Your out-of-pocket expenses are minimised with direct cashless settlement with the workshop. And with over 8000+ cashless garages across the country, help is always at hand. The 24x7 roadside assistance is just a phone call away, ensuring you’re never stranded helplessly.
Extensive family
With over 1.6 crore happy customers, we know your exact needs and have put smiles on a million faces. So, keep your worries aside and join the club!
Overnight service
HDFC ERGO’sovernight service repairs takes care of minor accidental damage or breakdowns to ensure your car is ready to use the next day.This way, your routine doesn’t get disrupted. Simply catch up on your night’s sleep and allow us to get your car ready in time for your morning commute.
Easy claims
Making claims is easy and quick. We make the process paperless, allow self-inspection, and offer quick settlement to keep your worries at bay.
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Top tips for your BMW car
• If you are parking your BMW car outside, make sure you put a cover on.
• Remove spark plug, if you are planning to park your vehicle for a very long time. This will help avoid rust inside the cylinder.
• Fill up the fuel tank when leaving your BMW car parked for long time. This will prevent rusting of fuel tank.
• Put the car on jacks, this will prevent damage to tyres.
• Check your tyre, engine oil of your BMW car before setting off for a long journey.
• Keep electrical switch off, when not needed, this will increase your BMW car battery life.
• Regularly check your tyre pressure of your BMW car.
• Keep your BMW car engine clean.
• Change lubricant and oil filter regularly.
• Except for emergencies, avoid sharp braking. Anticipate and slow down in advance before stopping. Sharp braking heats up the braking system and increases the wear and tear of brake pads and tyres.
• Use The Hand Brake While Parking your BMW car. Automatic transmissions of BMW model have a ‘P’ position.It’s not meant to be used as a parking brake. Using it as a parking brake will put the entire weight of the vehicle on the pawl.
Frequently Asked Questions
Awards & Recognition
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience Award of the Year
ICAI Awards 2014-15
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience Award of the Year
ICAI Awards 2014-15
Last updated: 2023-02-20
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