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Buy/Renew BMW Car Insurance Online

BMW Car Insurance
The name BMW signifies precision in quality and advanced technology. BMW stands for BayerischeMotoren Werke GmbH or Bavarian Engine Works Company. Bavaria is the name of the German state where the automobile giant originated. BMW’s first products in 1913 were not cars,but aircraft engines, which they supplied to the German Air Force during the First World War. The company was incorporated into Knorr-Bremse AG in 1920 before being re-founded as BMW AG in 1922. In 2017, the German luxury cars and SUVs manufacturer celebrated its completion of 10 years in India since it started the local assembly of vehicles from its Chennai plant. Today, over 10 models are locally produced.

Popular BMW Car Models

1
BMW X1
Recognized as the ‘luxury mid-size SUV of the year 2021’ by TopGear, this beauty has set new standards of quality and performance. It's easily identifiable because of its short overhangs and a long wheelbase that is reminiscent of an SAV (Sports Activity Vehicle). Its tech edition comes with a great touch display, wireless charging, and a loudspeaker system. It’s built to provide you with a smooth ride on all kinds of terrains.
2
BMW X3
It’s a car that impresses from the very first glance. Not only does it have a stunning athletic appearance, but also provides an amazing driving experience. Its intelligent all-wheel-drive system BMW xDrive is its USP and lets you have a comfortable ride even when off-roading. The LED lights give more visibility in the dark and the car comes with enviable storage space.
3
BMW X4
Are you an adrenaline junkie? Then you cannot ask for a better companion. BMW X4’s progressive design and the coupé-like contours are designed to quench your thirst for action. The innovative lightweight construction with a low centre of gravity provides optimum performance. It comes with multiple colour choices and the large panoramic glass roof gifts passengers a view like no other car.
4
BMW X5
For those who enjoy a sense of authority, here’s a car that hits the road like a boss. Apart from the comfort it guarantees, the sculpted exterior with imposing dimensions ensures that jaws will drop. It is equipped with the latest technologies to boost the safety quotient. It comes with a light-touch accelerator pedal, remarkable torque, and panoramic sunroof. Both the sections of the split tailgate can be operated electrically.
5
BMW X6
It’s extremely athletic body speaks volumes about its masterful agility. The distinctive design is accentuated by technologies like BMW kidney grille ‘Iconic Glow’. The powerful engine comes with precise suspension. It can be immediately recognised by its BMW Laserlight in the X design. The temperature-controlled cupholder and Harman Kardon surround sound system are impressive additions.
6
BMW X7
The design of BMW X7 is meant to impress every purist. It has a lightness that provides it agility. The athletic styling and spaciousness of the interior blend functionality with flair. The three rows of seats with high-quality leather with decorative elements make for a cosy atmosphere. Ametrin metallic paint finish along with 22’’ alloy wheels add to its captivating character.

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.

It Diminishes Owner’s Liability

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.

It Covers Cost of Damage

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

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.

X
Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE

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.

X
Suitable for those who use the car infrequently, this plan covers:

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.

X
Suitable for those who already have a valid third-party cover, this plan covers:

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.

X
Suitable for those who have purchased a brand new car, this plan covers:

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:

Covered in Car insurance policy - fire explosion

Accidents

We cover against financial losses arising due to an accident.

Covered in Car insurance policy - Calamities

Fire and explosion

You are financially protected against fires and explosions concerning your car.

Covered in Car insurance policy - theft

Theft

Your car getting stolen is the stuff of nightmares. We ensure your peace of mind in that case.

Covered in Car insurance policy - Accidents

Calamities

Natural or manmade, we provide financial coverage across a wide range of calamities.

Covered in Car insurance policy - Personal accident

Personal Accident

Your treatment charges are taken care of, in case of an accident.

Covered in Car insurance policy - third party liability

Third Party Liability

Injuries or damage to any third-party person or to their property is also covered.

The perfect companion to your BMW car insurance - Our add on covers

With zero depreciation add on cover, the insurer will make the payout for the claim without deducting the depreciation value of the damaged part. The insurer can claim full amount under their comprehensive car insurance policy. When driving a luxurious car like BMW, having this add on cover is advisable.
If you raise claim during the policy period, you can lose no claim bonus (NCB) rewards. With no claim bonus protection add on cover, you can protect your NCB despite making any claim during the policy tenure.
Just in case, if your BMW car breakdown in middle of nowhere, at that time emergency assistance cover will come handy. This cover offers 24x7 emergency assistance services like towing assistance, tyre changes, refueling, lost key assistance and arranging for a mechanic.
With this add on cover you get compensation equivalent to car’s invoice value when you bought it. The claim under this add on cover will be applicable if the car is stolen or it is beyond repair.
Engine and gearbox protector by best car insurance provider
Engine & Gear Box Protector
While driving your BMW, you can damage your engine and gear box, which can lead to hefty repair bills. Hence, it is wise to protect your vehicle with engine and gear box protectors add on cover which will cover repair and replacement cost of engine and gearbox child parts. These components are covered if damage is due to water ingression, leakage of lubricating oil and damage to gear box.
If your BMW car meets with an accident, it will have to be in garages for few days. You may have to rely temporarily on public mode of transport which may cause inconvenience. With downtime protection add on cover, the insurer will offer coverage for daily expenses for transportation till your car’s ready to use.

Calculate Your BMW Car Insurance premium in a breeze

Step 1 to calculate car insurance premium

STEP 1

Enter your BMW car registration number.

Step 2 - Select policy cover- calculate car insurance premium

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- Previous car insurance policy details

STEP 3

Provide your previous policy
No Claim Bonus (NCB) status.

Step 4- Get you car insurace premium

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 #1
    Step #1
    Do away with paperwork and share your documents online through our website to register your claim.
  • Step #2
    Step #2
    Opt for a self-inspection or a digital inspection of your BMW by a surveyor or workshop partner.
  • Step #3
    Step #3
    Track your claim status through our smart AI-enabled claim tracker.
  • Step #4
    Step #4
    Relax 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 #1
    Step #1
    Visit HDFC ERGO website and choose to buy or renew your policy
  • Step #2
    Step #2
    Enter your car details, registration, city, and previous policy details, if any
  • Step #3
    Step #3
    Provide your email ID, and phone number, to receive the quote
  • Step #4
    Step #4
    Make 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

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

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

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

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 claim

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.

8000+ cashless Garagesˇ Across India

Top tips for your BMW car

Tips for long-parked car
Tips for long-parked car
• Park your BMW car indoor, this will reduce wear and tear from rain and sunlight.
• 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.
Tips for trips
Tips for trips
• Fill up your fuel tank, never risk driving on reserve
• 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.
Preventive maintenance
Preventive maintenance
• Periodic inspection of fluid check to ensure that your BMW car runs smoothly.
• Regularly check your tyre pressure of your BMW car.
• Keep your BMW car engine clean.
• Change lubricant and oil filter regularly.
Daily Dos and Don’ts
Daily Dos and Don’ts
• Allow Your BMW Car To Warm Up. The oil pump starts working when the engine is started. Give some time for the oil to move into the engine and attain the right operating temperature.
• 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


Renewing your BMW car insurance policy after it has expired is super easy and simple. Log onto HDFC ERGO and purchase a new policy. When entering your previous policy details, you will have the option to renew it, albeit with an inspection of the car, depending on the time that has elapsed. If you renew it close to the expiry date, you may even be eligible to self-inspect the car and send pictures and videos of the vehicle to the insurer before it is approved. After you make the payment, you will be insured again.
The NCB is preserved upto 90 days of policy expiry, after which it is reset to zero. However, you can get an NCB reservation letter from the insurer in case you sell your car and pass the endorsement (change in policy about car ownership). This letter, i.e., the NCB, is valid for a period of three years. But if you sell your car after three months post-policy period, you will not be eligible for an NCB reservation letter.
Renewing your BMW car insurance online is even easier and simpler than buying a new one. Log onto HDFC ERGO or download the mobile app. Select the renew policy option and update car details. Select the IDV and make the payment. The entire process will take less than 3 minutes.
Taking a comprehensive BMW car insurance is almost always the recommended option. And with that we recommend the zero-depreciation cover and return to invoice cover. The zero-depreciation cover saves you the cost of paying for depreciation when repairing or replacing parts of your car after an accident. The return to invoice cover pays you the full price you had paid for the car in case of total loss or theft. Furthermore, you can consider the NCB protection add-on to file a claim without losing your NCB. And if you live in a flood-prone area, then an engine protection cover is a must.
Firstly, compare policies online to arrive at the average IDV range of your vehicle. Then compare the premium rates as well.It’s important to choose anoptimum Insured Declared Value(IDV) to premium ratio. Lowering your IDV will lower your premium, but you may end up underinsured. Similarly, a higher IDV may not be as cost-effective. IDV is the maximum payout you can receive from the insurer – in cases involving theft or total loss of the vehicle. Make use of the add-ons, as they are likely to change depending on your usage of the car. Avail an NCB protection add-on if you foresee a claim being made in the following year. Choose an engine protection add-on if you’re parking your car in the basement where water logging is a possibility.

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Last updated: 2023-02-20

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