Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin

BMW Car Insurance

  • High Performance
    Check in your City
  • Unmatchable Designs
  • Quick Claim Settlement
  • Several Safety Features
  • Luxurious and Comfortable Interiors

Top Car Insurance Plans

Third Party
Own Damage
Starting From 60670
Key Features:
  • Right Green Tick Maximum Cashless Garages
  • Right Green Tick Over Night Vehicle Repairs
  • Right Green Tick 24x7 Roadside Assistance
  • Right Green Tick Quick Claim Settlement
Starting From 50800
Key Features:
  • Right Green Tick Towing Assistance (For Accidents)
  • Right Green Tick Coverage Outside India
  • Right Green Tick PSU Provider
  • Right Green Tick Quick Claim Settlement
See More Plans

Car Insurance Premium for Bmw Car Variants

The following table shows the complete list of Bmw car variants with their insurance premium rates.
Car ModelVariant of the CarComprehensive Car InsuranceThird Party Car InsuranceOwn Damage Car Insurance
BMW 3 Series GT


₹ 46184

₹ 7897

₹ 21277


xDrive 30d SportX Plus

₹ 2094

₹ 2094

₹ 32685

BMW 1 Series

118d Sport Line

₹ 38338

₹ 7897

₹ 14586

BMW M Series


₹ 59941

₹ 7897

₹ 63497

BMW 6 Series

630iM Sport 50 Jahre M Edition

₹ 2094

₹ 2094

₹ 25729



₹ 2094

₹ 2094

₹ 8031



₹ 136273

₹ 6712

₹ 59564



₹ 112799

₹ 7897

₹ 99413



₹ 2094

₹ 2094

₹ 46219


sDrive18i xLine BSVI

₹ 2094

₹ 2094

₹ 42744

BMW i4


₹ 2094

₹ 2094

₹ 1986

BMW i7


₹ 2094

₹ 2094

₹ 8031

BMW i8


₹ 2094

₹ 2094

₹ 121713

BMW 8 Series

₹ 2094

₹ 2094

₹ 2184



₹ 248740

₹ 7897

₹ 5824

BMW 2 Series

220d M Sport 2022-2022

₹ 2094

₹ 2094

₹ 2094

BMW M8 Coupe Competition

50 Jahre M Edition

₹ 240411

₹ 7897

₹ 111425

BMW 5 Series

520d Luxury Line

₹ 2094

₹ 2094

₹ 24412

BMW 3 Series Gran Limousine

330Li M Sport

₹ 67559

₹ 7897

₹ 11860

BMW 3 Series

M340i xDrive

₹ 2094

₹ 2094

₹ 24992


xDrive M40i

₹ 2094

₹ 2094

₹ 8031



₹ 69807

₹ 7897

₹ 26476


xDrive40d M Sport

₹ 2094

₹ 2094

₹ 9751



₹ 43860

₹ 7897

₹ 33696

The above-mentioned Bmw Car Insurance Premiums are suggestive and may change basis the car's MMV, RTO location, claims history, policy type, etc.

Calculate BMW Car Insurance

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

About BMW

BMW is a German multinational corporation that manufactures luxury vehicles. It was founded in the year 1916 as a manufacturer of aircraft engines. The automobile products of the company are promoted under the brands BMW, Mini and Rolls-Royce and motorcycles are marketed under the brand BMW Motorrad. In 2015, BMW became the world's 12th largest producer of motor vehicles with over 22 lakh vehicles produced. The company has its headquarter in Munich and holds significant motorsport history in Formula 1, Sports Cars, Touring Cars, and the Isle of Man TT.

BMW India began its operations in the year 2007. The extensive range of its facilities comprises a production unit in Chennai, a warehouse in Mumbai, a training centre in Gurgaon and NCR and the development of a dealer organisation across major metropolitan centres of India. BMW Group Plant Chennai began its operations in the year 2007. BMW Group Plant Chennai generally manufactures 11 car models which include BMW 3 Series, BMW 3 Series Gran Turismo, BMW 5 Series, BMW 6 Series Gran Turismo, BMW 7 Series, BMW X1, BMW X3, BMW X4, BMW X5, BMW X7 and MINI Countryman.

Car Insurance Renewal Process for BMW Cars

When it comes to the car insurance renewal process, it becomes quite simple and fast when done online. The renewal process is compulsory to keep the car insurance policy active for which you need to renew it before its expiry date. Here are the steps to renew the BMW car insurance policy online:

Step 1: Visit the website of the InsuranceDekho and choose on the ‘Car’ tab.

Step 2: Enter your BMW car’s Registration Number and click on the ‘Proceed’ tab. Choose your BMW car’s variant and fuel type to move further. If you do not know your BMW car’s registration number, in such a case, you can also select the ‘Don't know your car number?’ tab and choose your car’s brand, model, fuel type, variant, registration year and city, and RTO to continue.

Step 3: Enter the expiry date of your last car insurance plan and the name of your last car insurance company. In addition to this, you should also share if you have made any car insurance claim during the previous policy year and click on the ‘Continue’ tab to proceed.

Step 4: Enter your personal details like name, mobile number and the time for which you want your car to be insured under a car insurance policy and click on the ‘Submit and Get Quotes’ tab.

Step 5: You will get car insurance policy premium quotes from different car insurance policies on your screen. Choose a car insurance policy quote after making a comparison based on your requirements and budget. At this stage, you can also opt for some add-ons of your choice.

Step 6: Click on the ‘Buy Now’ button and check all the entered details before initiating the payment process for your BMW car insurance policy renewal. There are several payment gateways with which you can make payment like debit card, credit card, online wallets and net banking options. After making the payment for the car insurance renewal process, the insurance company issues the car insurance policy document instantly and sends it directly to the registered Email ID.

Claim Cashless Car Insurance For BMW Cars

Cashless car insurance is a great facility offered by insurance companies to allow you to get your BMW car repaired for free. To avail this option, you need to inform your insurance company immediately after an accident to initiate the process and take your car only to a network garage of your insurance company. Under this process, your BMW car can get repaired after an accident or a mishap without paying anything for the repair work as the repair bill will be paid by your insurer on your behalf after going through your documents and invoice.

The cashless car insurance option saves you from making a hefty payment for car repair immediately after an accident. To avail cashless car insurance claim, you should submit lesser documents and have to go through fewer formalities when compared to the reimbursement process. Under the cashless claim process, the insurer sends the surveyor to examine the extent of damage which speeds up the process and makes it transparent. The insurance companies give authorization to only those garages which clear their quality test, hence, getting your BMW car repaired from a network garage to get a cashless claim will help your car get the best repair service free of cost.

Documents Required for BMW Car Insurance Claim

Following are the documents you will require to file a BMW Car Insurance claim:

  • Claim Form duly filled
  • Car Insurance Policy Document
  • Copy of Driver’s Licence
  • Copy of Registration Certificate
  • Copy of FIR
  • Coy of Pollution Under Control Certificate (PUC)
  • For Claims more than Rs. 1 Lakh - PAN Card
  • Satisfaction Voucher

Steps to File BMW Car Insurance Claim

Follow the below-mentioned steps to file a claim for your BMW car:

Step 1: In case of a road accident, vandalism or theft visit your nearest police station and file an FIR. A copy of the FIR will be needed for the claim process. For natural or manmade calamities take a video or photographs that clearly show the damage if possible.

Step 2: Inform the insurance provider as soon as possible. Make sure to check with them and confirm the list of documents you are required to provide. The standard list of documents required is mentioned above.

Step 3: Submit the claim form along with the required documents to the insurance provider.

Step 4: If your car needs to repair the insurance provider will schedule a surveyor to visit and assess the damage to your car. They will then write a report and the claim approved accordingly.

Step 5: After the claim goes through a verification process and is approved you can take your car to a network garage and get it repaired. After the necessary repairs are done and you are satisfied, sign the voucher and the insurance company will handle the cost of the repairs in a cashless manner.

In case you choose to visit a non-network garage, the insurance provider will compensate the amount after the repairs are done and you submit the original receipts, taking into account the IDV of your car.

If the claim was made for a case of total loss or theft, the insurance company will reimburse the compensation only after you give them the keys, paperwork and any other item related to your car.

Covered Vs Non-Covered Under BMW Car Insurance


  • Death, disability and property damage for third-party car insurance
  • Loss due to fire, explosion and ignition.
  • Damages due to natural disasters such as cyclones & Collisions
  • Accidental damages due to road accidents & collisions


  • Damages of the vehicle when driven under the influence of alcohol or drugs.
  • Electric or mechanical breakdown of the vehicle that is insured.
  • Loss of the insured BMW vehicle when driven outside the geographical location.
  • Any damage to the insured BMW when used for commercial purposes.

Bmw Car Insurance User Reviews

What users are saying
  • Hassle free and straightforwar...

    The interaction with the agent (David) was hassle free and straightforward. He called back on the proposed time to discuss the renewal. And I was done with my renewal in a few minutes.

    United India car Insurance
    BMW X1 2015-2020 Pune
    On: 15th February, 2023
  • Best insurance policy for car

    Very transparent and quick deal. Agents are informative and providing goos service. Received the policy documents in 2 mins after the payment was done. Thanks

    Icici Lombard car Insurance
    BMW X1 2012-2015 Thane
    By Mahesh Ingale
    On: 4th January, 2023
  • fast and furious

    easy simple steps user-friendly, cheap, and comparable. recommendable to all. please use insurance dekho its simply reccomend

    New India car Insurance
    BMW 5 Series 2003-2012 Hyderabad
    By K Manikandan Balamurali
    On: 13th April, 2022
  • Availability of add-on covers

    While buying the Universal Sompo car insurance plan for my BMW X5, I came across the add-on covers available on their website. I read about the Zero Depreciation Add-on cover, which helps in mitigating the burden of bearing the depreciation cost of the vehicle. I loved the facility. And, the plan I purchased is amazing in itself.

    Universal Sompo car Insurance
    By Rahul Verma
    On: 3rd February, 2022
  • Amazing benefits

    I recently bought the Shriram car insurance policy for my BMW X1 from the InsuranceDekho website. The plan offers amazing benefits. I got all the benefits I wanted from car insurance. If you are looking for a car insurance plan, do try this out.

    Shriram car Insurance
    By Tarun Kumar
    On: 2nd February, 2022
  • Chatbox feature

    I purchased a Raheja QBE car insurance policy for my BMW X1. I had some queries in my mind regarding my policy. I decided to use the chat box feature of InsuranceDekho , to know if it really works or not. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes.

    Raheja Qbe car Insurance
    By Paritosh Chakrabarti
    On: 12th January, 2022
  • BMW XOne policy renewal

    The customer care executive from your team was very helpful, patient and knowledgeable. Managed to give a solution for my complicated case.

    Icici Lombard car Insurance
    BMW X1 Vadodara
    By Arunkumar Shaiwale
    On: 21st September, 2021
  • Policy portability simplified

    I wanted to port to another carrier and I would like to thank InsuranceDekho for making the port simplified and quick. Now my BMW M series is insured with New India car insurance policy. The policy is full-proof from all aspects.

    New India car Insurance
    By Angan Verma
    On: 24th May, 2021
  • Seamless documentation

    I appreciate the seamless documentation service provided by InsuranceDekho during the issuance of IFFCO Tokio Comprehensive car insurance policy for BMW 2 Series. I generated quotes, compared and paid when I found the most befitting one.

    Iffco Tokio car Insurance
    By Kapil Sinha
    On: 20th May, 2021
  • User-friendly website

    While issuing Edelweiss car insurance policy for my BMW X3, I was impressed with the user-friendly nature of InsuranceDekho. From finding relevant information on time to instructions in simple language made the issuance a remarkable experience.

    Edelweiss car Insurance
    By Chirag Dutta
    On: 4th May, 2021

BMW Car Insurance FAQs

  • How long does it take to renew a Bmw car insurance?

    You can get your Bmw car insurance renewed in just 5 minutes with InsuranceDekho.

  • Which all insurance add-ons should be bought with Bmw cars

    For Bmw Insurance, The popular car insurance add-ons opted with Bmw cars include zero depreciation add-on, engine cover, NCB (No Claim Bonus) cover and RSA (Road Side Assistance) cover among others.

  • From where can I purchase insurance for my Bmw car

    You can visit our website, compare all available premium quotes for Bmw cars and select the one which best suits your requirements. With InsuranceDekho, get policy issued instantly.

  • Which insurer has the best claim settlement ratio for Bmw cars?

    Acko General Insurance, Bharti AXA General Insurance and ICICI Lombard General Insurance are among the car insurers who have registered impressive claim settlement ratio for Bmw cars.

  • How can I buy the car insurance policy online for my BMW car?

    You can buy a car insurance policy online for your BMW car by visiting the website of InsuranceDekho. The insurance portal provides several car insurance policy premium quotes offered by different insurers from which you can choose one that suits your needs and budget.

  • Can I earn No Claim Bonus (NCB) from my BMW car insurance plan?

    Yes, the car insurance policy of your BMW car will provide you with a No Claim Bonus (NCB) for every claim free year. The NCB benefit may range from 20% to 50% with consecutive claim-free years.

  • What is the minimum term to compulsorily buy a third party policy for my BMW car?

    As per the direction of the Supreme Court of India, it is compulsory for all car owners to buy a third party car insurance policy of 3 years at the time of registering your newly bought BMW car.

  • Can I buy an own-damage and third party policy for my BMW car from different insurers?

    Yes, you can buy a standalone own-damage car insurance policy and third party car insurance policy from different insurance companies for your BMW car either through online mode or offline mode.

  • What details should I enter on the premium calculator to get the premium?

    To get the right and accurate premium and IDV value, you should have details like Car Brand, Model of the Car, Variant of the Car, Car Registration City, Year of Purchase, and so on.

  • Can I renew the car insurance policy of my BMW car after its expiration?

    Yes, if the car insurance policy of your BMW car gets expired, you can still renew it within the grace period of 90 days from the expiry date, which varies from insurer to insurer.

  • In how much time can I make a claim after an accident with my BMW car?

    You can raise a car insurance claim for the damages sustained by your BMW car within 7 days of the accident, however, this duration may vary from insurer to insurer, therefore, you can confirm it from your policy document.

  • Where and when can I contact to get assistance related to car insurance for my BMW car?

    You can find the best car insurance-related assistance for your BMW car at the InsuranceDekho by calling at 755-1196-989 by writing an email at

View More Questions

Car Insurance News

Car Insurance By Manufacturers

    Disclaimer: InsuranceDekho does not endorse, rate or recommend any particular insurance company or insurance plan.

    Calculate your Car IDV

    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.