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Motor Insurance
BMW Car Insurance
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your car
Premium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Bajaj General App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
Pay As You Consume
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Get Coverage with Affordable BMW Insurance Price
BMW, or Bayerische Motoren Werke, hardly needs an introduction. With roots dating back to the 19th century, BMW made its mark in India in 2007. Its iconic blue, white, and black logo represents luxury, style, and unmatched driving comfort.
From petrol and diesel to electric and concept cars, BMW offers it all—from the elegant 7 Series to the sporty Z4M, it is the dream car for many Indian enthusiasts.
But owning a premium car comes with its risks. That’s why Bajaj offers an affordable BMW insurance price to protect and get coverage for the car. Get up to 85% off and all-around protection with our insurance plans.
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Car Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| Add-on: No Claim Bonus | No | No | No | Yes |
| Add-on: Zero Depreciation Cover | No | No | No | Yes |
| Add-on: Lock & Key Replacement | No | No | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
| Add-on: Consumables Cover | No | No | No | Yes |
| Explore more add-ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
What are the Types of Car Insurance Plans for BMW?
BMW Third-party Car Insurance
Third-party car insurance is the basic insurance you can buy for your car. It is mandatory under the Motor Vehicles Act of 1988.
The policy is designed to cover the damages caused specifically to the third party (this includes vehicle and property).
Additionally, it covers injuries and deaths caused to third parties. You are required to purchase a personal accident cover with the policy as well.
BMW Comprehensive Car Insurance
Comprehensive car insurance provides you coverage for both own damages and third-party damages under the same policy. Own damages include damages caused by accidents, natural, and manmade calamities.
Damage or loss caused by fire or theft is also covered by the policy. There is a provision for including add-ons in your policy to enhance the policy’s coverage.
However, the comprehensive BMW insurance price is higher than third-party insurance.
Own Damage Cover for BMW
Your car deserves more than just legally mandated insurance. With our own damage insurance cover, your BMW gets protection in case of accidents, natural disasters, theft, or other unforeseen events.
Say bye-bye to financial loss in case of theft. With our affordable own damage protection BMW insurance price, you will get the Insured Declared Value (IDV) of your car.
What are the Benefits of Buying BMW Car Insurance Online?
Let’s look at the benefits of buying car insurance online for your brand-new BMW:
Buy it from Anywhere
The great part about buying motor insurance for your car online is that you can purchase it using your mobile or your computer, no matter where you are.
Just click on the ‘Buy Now’ button on this webpage or simply visit our app ‘Bajaj General’. Be it new car insurance or car insurance renewal, get smooth and fast service with Bajaj General.
Get Protection for Your Car
Your BMW deserves to have the utmost protection in case of any unfortunate event. Having comprehensive car insurance lets you relax and not worry about financial losses.
With us, you get financial protection if your car is stolen or vandalised. Plus, you will get natural disaster cover, personal damage cover and other benefits all under one roof.
Save Money on your Purchase
When you purchase car insurance online, you get to enjoy the advantage of savings on your purchase. Buying the policy online will have you buying directly from the insurer.
As there are no agents involved, your BMW car insurance price will be lower when compared to an offline purchase. Plus, there will be no additional charges on your purchase.
Renew Your BMW Insurance Policy Instantly
With our renewal reminder alert, you will never miss your renewal date. With Bajaj, the best BMW insurance company, your renewal process becomes easy. And the best part? Your BMW car insurance cost remains the same!
Benefit of Add-On
Every car owner has different needs. That’s why our additional coverage options let you customise your BMW insurance according to your own needs.
Whether you need 24/7 roadside assistance or tyre and engine protection, we have it all.
How to Choose a BMW Insurance Plan?
Check Reviews
With various insurance providers in the market, you need to know exactly who fits your needs. Reviews are an efficient way to know what your journey after buying insurance from a company will look like.
Always choose an insurance company with a rating above 4. This indicates that the insurance provider is reputable and people trust them.
Compare Premiums
With the help of BMW premium checkers online, you can easily compare insurance. Choose the one that fits your budget and needs. It is best to avoid buying insurance you cannot afford.
Also, remember to compare the premiums of the same plan from different companies for an accurate estimate.
Claim Settlement Ratio
CSR or Claim Settlement Ratio refers to the number of claims the insurance company has settled in a given period of time. This metric is crucial for understanding how your journey with the company will be.
Always choose an insurance company with a CSR of at least 80. Otherwise, your chances of claim denial become higher.
Why Insure Your Car with Bajaj General?
Buy Now
Why Choose Bajaj General for BMW Car Insurance?
Vast Network Garages
We boast a network of over 7200+ garages, helping you get support wherever you need it. For example, if you are in Mumbai, you can easily find the nearest network garage through our app. So, we always have your back in case of emergencies.
Fully Digitised Settlement
No need to visit any office. We ensure that your claim is settled online without any hassle. This means that you can file a claim from Mumbai, Kolkata or Delhi with just a single click. Moreover, our fast settlement process ensures that you get what you need in no time.
Competitive Pricing
We understand that buying insurance in addition to buying a new car can be financially unpleasant. That is why our BMW insurance price is competitive and affordable. At Bajaj, we value every customer. That's why our prices are ‘caringly’ set to accommodate everyone’s needs and preferences.
Download Policy Document
Get instant access to your policy details with a single click.
Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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Download the Bajaj General App from App stores or click "Get Quote"
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Register or log in to your account.
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Enter your car details
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You will be redirected to the Car Insurance Page.
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Ensure to check your No Claim Discount
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Choose right Insured Declared Value (IDV) that reflects your car value
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Evaluate Covers, Add Ons, Optional Covers and Exclusions
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Select a plan from the recommended options, or customize your own plan
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Review the premium and other coverage details
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Proceed with the payment using your preferred method
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Receive confirmation of your purchased policy via email and SMS
How To Renew
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Login to the app
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Enter your current policy details
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Review and update coverage if required
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Check for renewal offers
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Add or remove riders
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Confirm details and proceed
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Complete renewal payment online
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Receive instant confirmation for your policy renewal
How to Claim
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Download our Bajaj General App on Android or iOS
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Register or login to use Motor On the spot claim for a smooth process
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Enter your policy and accident details (location, date, time)
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Save and click Register to file your claim
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Receive an SMS with your claim registration number
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Fill in the digital claim form and submit NEFT details
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Upload photos of damaged parts as instructed
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Upload your RC and driving license
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Receive an SMS with the proposed claim amount
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Use the SMS link to agree/disagree with the claim amount
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Agree to receive the amount in your bank account
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Track your claim status using the Insurance Wallet App
Know More
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For any further queries, please reach out to us
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Phone +91 020 66026666
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Fax +91 020 66026667
Documents Required to Raise a BMW Car Insurance Claim
Raising your BMW car insurance claim is easy, provided you have the necessary documents. Here’s a list of what you need:
1. Copy of the Insurance Policy: This is crucial for verifying your coverage details.
2. Vehicle Registration Certificate: This is to confirm ownership and vehicle details.
3. Driver’s License: This validates the driver's eligibility during the incident.
4. FIR Copy: It is required in case of theft or severe accidents.
5. Claim Form: Duly filled and signed.
6. Repair Bills: For reimbursement claims, original repair bills are necessary.
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What Our Customers Say
Prompt Assistance
Thank you so much, Bajaj General, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj General.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
FAQ's
Is BMW Expensive to Insure?
Yes, being a luxury brand, BMW insurance tends to be more expensive due to higher repair costs and premium features.
How Can I Get a Quote for BMW Car Insurance?
Getting a quote for BMW car insurance from Bajaj is simple and efficient. Just go to Buy Now or Get a Quote button and follow the instructions.
What factors should I consider when buying BMW car insurance?
Before investing in BMW car insurance, always compare coverage options, add ons, your budget and premium amount. Additionally, check the CSR of the insurance company as well.
How can I save money on my BMW car insurance?
Opt for higher deductibles, avoid minor claims, and use the online platform to avail discounts.
Can I transfer my existing motor insurance policy to the new owner?
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
What risks are covered under an insurance policy for a vehicle?
The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Why should I buy comprehensive vehicle insurance policy?
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
What is a Third-Party Liability Cover?
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
Differenciate Third-Party Liability and Comprehensive Motor Insurance?
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
Will my no claims bonus be transferred if I renew my motor insurance?
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
What is premium reduction process if no claim aquired previously?
Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.
What should be my first action to initiate a claim?
Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
How do I register my claim?
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Bajaj General App to claim your insurance in just a few easy steps.
What is a "deductible" or "compulsory excess" in motor insurance?
It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.
Why does my vehicle insurance premium change during renewal?
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
How 'no claim bonus' is calculated at the time of renewal?
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
What is break-in insurance? What should I do in case of break-in?
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
When is vehicle inspection mandatory in motor insurance?
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Can I change my motor insurance provider at renewal?
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
If My BMW Insurance Policy has Expired, Can I Still Renew It?
Yes, you can renew your policy within the grace period by Bajaj General Insurance Limited.
What happens if I miss the renewal deadline for my BMW car insurance?
If you miss the deadline, your policy lapses, and you may need to undergo a vehicle inspection before renewal.
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