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BMW is one of the leading luxury car manufacturers in the world. Buying a car as grand as BMW is nothing less than a dream come true. Such cars come with a huge responsibility of keeping them safe from all kinds of damages and threats.

This is where the car insurance services provided by the company come into the picture. BMW has designed the most useful car insurance plans, keeping into consideration the insurance needs of its customers. The insurance plans offer protection against various risks of accident, theft, natural and man-made disasters, etc. 

In this article, we will take you through the different types of BMW Car Insurance plans, followed by their inclusions, exclusions, add-ons, eligibility criteria and the process to apply for the same.

BMW Car Insurance Premiums

BMW Car Insurance Company offers reasonable insurance rates depending upon the add-ons and the type of coverage chosen by the policyholders. The budget-friendly insurance plans of BMW Car Insurance Company lets policyholders cover their accident expenses without any hassle. 

Let us check how to evaluate the sum assured and estimated insurance premium for a BMW Car Insurance Policy.

  • Policy for Own Damages

The sum assured for a BMW Car Insurance Policy that policyholders buy to cover their own damages is calculated based on the Insured Declared Value of the vehicle. The insurer keeps in mind various factors while assigning this value to a vehicle. These factors include the age of the vehicle, depreciation percentage, present value as per the manufacturer, etc. The insurance company may include the car accessories to get the final Insured Declared Value of the vehicle.

  • Policy for Third-Party Liability

According to UAE law, all car owners need to buy a third-party liability insurance policy in the UAE. With third-party car insurance coverage, the policyholders can protect themselves against loss, damage or bodily injury caused to third-party vehicles, passengers or their belongings in the event of an accident. Based on the type of coverage chosen by the policyholder, the insurance company evaluates the sum assured and monthly insurance premium amount.

Types of BMW Car Insurance Policies

There are two types of BMW Car Insurance policies – Comprehensive Car Insurance and Third-Party Car Insurance.

Comprehensive Car Insurance: With a comprehensive car insurance policy, BMW Car Insurance Company provides coverage against damage or loss caused to the policyholder’s vehicle due to an unfortunate event such as accident, fire, theft or natural disasters like earthquake, storm, heavy rain, windstorm, etc. Moreover, this type of car insurance plan offers coverage against the loss or damage caused to a third-party vehicle in the event of an accident caused by the insured vehicle.

Third-Party Car Insurance: With a third-party car insurance policy, BMW Car Insurance Company provides coverage against loss or damage caused to a third-party vehicle in the event of an accident caused by the insured vehicle. The insurance plan covers expenses for bodily injuries caused to the passengers travelling in the third-party vehicle. However, if the policyholder has opted for a third-party car insurance plan, they will not get coverage against the loss or damage caused to their own vehicle. 

Reasons to Buy a BMW Car Insurance Policy

Here are a few important reasons why you must consider buying an insurance policy from BMW Car Insurance Company.

  • Reasonable Insurance Rates 

BMW Car Insurance Company offers reasonable insurance rates for policyholders. The insurance plans offer various useful covers and add-ons at an affordable price. 

  • Cashless Benefits

BMW Car Insurance comes with a broad range of cashless benefits for policyholders. In case policyholders choose to get their vehicle repaired at the network garage, they can get the claim settlement done with great ease. At network garages, BMW Car Insurance Company enables policyholders to get quality service and have their vehicles repaired in a very less time. 

  • Full-time Available Services

BMW Car Insurance offers round-the-clock available car repair services for policyholders. In fact, the insurance company also provides the policyholders with an easy pick up and drop facility in case they need such assistance. 

  • Useful Add-on Covers

BMW Car Insurance offers beneficial add-on covers such as Engine Protection, Return to Invoice, Zero Depreciation, No Claims Bonus Protect and more for the policyholders. With these add-ons, they can get the best out of their car insurance policies, depending upon their needs.

  • Easy Policy Renewal Process

BMW Car Insurance Company offers a hassle-free insurance policy renewal process for the policyholders. To renew their policy, all they need to do is visit the aggregator’s website and provide their basic details like policy number, car registration number, policyholder’s name, etc.

  • Good Claim Settlement Ratio

BMW Car Insurance offers a quick claim registration process for policyholders. To report a claim, all they need to do is call the helpline number and provide their details. The policyholders need to provide a few supporting documents to get the claim approval. BMW Car Insurance Company has a good claim settlement ratio that reflects its financial stability and helps clients make an informed decision. 

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BMW Car Insurance Inclusions

Here is the list of BMW Car Insurance inclusions.

  • Agency Repairs

BMW Car Insurance offers agency repair services to help policyholders get quality repair services from the manufacturer’s garages. BMW Car Insurance Company offers this service for vehicles not used for more than three years.

  • Personal Accident Cover

BMW Car Insurance offers coverage against medical expenses incurred due to bodily injury caused to the policyholder and the passengers travelling in a third-party vehicle in the event of an accident.

  • Emergency Medical Expenses

BMW Car Insurance offers emergency medical expenses cover for the policyholder. The cover also pays for bodily injuries caused to third-party passengers in the event of an accident caused by the insured vehicle. 

  • Natural Disaster

BMW Car Insurance offers insurance protection against loss or damage caused to the insured vehicle due to natural disasters like storms, earthquakes, hurricanes, floods or other calamities.

  • Fire & Explosion

BMW Car Insurance offers coverage against loss or damage caused to the insured vehicle due to theft, lightning, fire, explosion, self-ignition, etc.

  • Third-Party Liability

BMW Car Insurance offers coverage against third-party property loss or damage caused in the event of an accident made by the insured vehicle. This cover also includes the disability, bodily injuries or death of the third party passengers in the accident.

  • Riots or Strikes

BMW Car Insurance offers insurance coverage against loss or damage caused to the insured vehicle due to riots, strikes, terrorism or any other malicious activity.

  • Legal Liability

BMW Car Insurance offers legal liability cover to help policyholders cover the legal expenses that their immediate family members need to pay for in the event of an accident.

  • Tyre Replacement

BMW Car Insurance offers tyre replacement services in case the policyholder’s car breaks down due to flat tyres while travelling. The service is not provided in case the tyres go flat while the vehicle is at home.

  • Roadside Assistance

BMW Car Insurance offers roadside assistance services to help policyholders deal with situations like empty fuel tank, car breakdown, vehicle towing and much more.

BMW Car Insurance Add-On Covers

Here are a few add-ons that the BMW Car Insurance Company offers the policyholders.

  • No-Claim Bonus Protect

BMW Car Insurance offers a no-claim bonus protect cover, which is one of the most useful add-ons for the policyholders. With this add-on, they can retain their no-claim bonus even if they have met with an accident in the previous year. 

  • Return to Invoice

Usually, the BMW Car Insurance Company pays the insured declared value of the vehicle in case it meets with an accident and needs to be replaced completely. However, with this additional cover, the insurance company also pays the difference between the vehicle’s invoice value and the Insured Declared Value along with the insured declared value of the vehicle.

  • Zero Depreciation Cover

BMW Car Insurance Company pays the policyholder the sum assured after deducting the depreciation value in the event of an accident. However, the policyholder can get the entire value amount with no depreciation deduction by purchasing this add-on.

  • Engine Protection

BMW Car Insurance offers an engine protection add-on cover for the policyholders to help them get their car engines repaired with great ease. The add-on covers events such as an accident or a natural disaster.

  • Cost of Consumables

BMW Car Insurance Company offers this add-on to cover the cost of consumables such as engine oil, washer, nuts and bolts, and more.

  • Key Lost Assistance

BMW Car Insurance offers an immediate key lost assistance cover for the policyholders to help them unlock the car if they have lost their keys or left them inside the vehicle. 

  • Daily Conveyance Benefit

BMW Car Insurance Company offers a daily conveyance benefit cover for the policyholders to pay for their daily conveyance in case there is a claim in process and their vehicle is getting repaired in one of the garages or workshops.

  • Emergency Assistance

BMW Car Insurance Company offers emergency roadside assistance to the policyholders like fixing flat tyres, refilling empty fuel tanks, car towing, etc. in case their car breaks down and they are stuck in the middle of the road. 

BMW Car Insurance Exclusions

Here is the list of things that a BMW Car Insurance policy does not include.

  • Illegal Driving

BMW Car Insurance does not cover loss or damage caused to the insured vehicle due to illegal driving where drivers either don’t have a valid driving license or are under the influence of alcohol or drugs.

  • Electrical or Mechanical Breakdown

BMW Car Insurance doesn’t cover loss or damage caused to the insured vehicle due to an electrical or mechanical breakdown.

  • Non-Accidental Damage of Car Tyres

BMW Car Insurance doesn’t cover damages caused to the insured vehicle’s tyres in an event other than an accident.

  • Usage outside the Geographic Limit

BMW Car Insurance doesn’t cover the damage caused to the insured vehicle due to accidents that happened outside the geographic limit as specified in the insurance policy. 

  • Damages Due to Nuclear Perils

BMW Car Insurance doesn’t cover the loss or damage caused to the insured vehicle due to nuclear perils.

  • Depreciation

BMW Car Insurance doesn’t cover the depreciation percentage caused to the value of the insured vehicle. 

How to Buy a BMW Car Insurance Policy Online?

Here are a few simple steps you can follow to buy a BMW Car Insurance policy.

  • Go to the Website

You need to visit one of the aggregator’s websites such as policybazaar.ae to buy a BMW Car Insurance policy. You can contact our 24/7 available help and support team or visit our website anytime to buy a BMW Car Insurance policy based on your convenience. 

  • Provide the Details

On the website, you need to go to the car insurance section and provide your details to find the best suitable BMW Car Insurance plan. To get an estimated insurance premium amount, you may need to provide your vehicle details such as the registration year, model number, fuel type, etc.

  • Choose the Type of Coverage

Next, you need to choose the type of insurance coverage you need. You can choose the comprehensive car insurance policy if you are looking for complete coverage for your own and third-party vehicle. On the other hand, if you only need coverage against loss or damage caused to a third-party vehicle from the insured vehicle, you can choose to buy a third-party car insurance policy.

  • Calculate the Premium Amount

Now that you know the type of insurance plan you are going to select, you can proceed with evaluating the premium amount. You can also use online insurance premium calculators to calculate an estimated premium amount in just a few clicks. Keep in mind that there are a few factors that affect your insurance premium amount. These factors include the age of the driver, age of the vehicle, location, etc.

  • Pay the Premium

You can choose suitable add-ons based on your insurance needs. As you have a clear idea of how much you need to pay for your chosen insurance plan, you can proceed and pay the premium amount to complete the purchase process. You can pay the insurance premium amount using different payment modes, including debit cards, credit cards, secured wallets, etc.

How to Renew a BMW Car Insurance Policy?

Here are the two simple ways to help you renew your BMW Car Insurance policy without any hassle. 

  • On the Insurer’s Website: Here are the simple steps to follow when renewing your BMW Car Insurance Policy on the insurer’s website.
  • Visit the Website: First, you need to visit the official website of BMW Car Insurance Company and open the policy renewal section.
  • Provide Your Details: Next, you need to provide your insurance policy number or car registration number to find your insurance policy details. 
  • Review Add-Ons: Now that you have your details up on the screen, you can review your car insurance policy add-ons and make the required changes based on your preferences. On this window, you can also try adding new add-ons as per your requirements.
  • Pay the Premium: Once you are done with all the changes, you can go ahead and pay the new insurance premium and complete the BMW Car Insurance policy renewal process. 
  • Check the Policy Status: Once done, wait for some time and check the status of your BMW Car Insurance policy to find out if it has been renewed successfully.
  • With Us

Here are the simple steps to follow when renewing the insurance policy by visiting our website.

  • Visit the Website: You can also visit our website to renew your BMW Car Insurance policy in just a few clicks. 
  • Go to Renewal Tab: Once you are on the website, click on the Menu bar and select the Renewal tab to begin your BMW Car Insurance policy renewal process.
  • Provide Your Details: On the next window, you need to enter your policy details like policy registration number or car registration number to fetch your insurance policy.
  • Verify the Add-Ons: Next, make sure you check that you have all the required add-ons selected. If not, you can choose your preferred add-ons from the add-ons list and make your insurance policy a perfect cover. 
  • Renew Your Policy: Once done, pay the new insurance premium to complete the BMW Car Insurance policy renewal process. Do not forget to apply the no-claim bonus if you have not reported even a single claim in the previous year.

How to Claim a BMW Car Insurance Policy?

BMW Car Insurance Company is one of the leading insurance car insurance providers with a huge network of garages to help policyholders get their vehicles repaired without any hassle. The policyholders need to choose one of the network garages for repair to avail cashless benefits. 

Cashless Claims

Here are a few simple steps to follow when reporting a cashless BMW Car Insurance Claim.

  • Report the Claim: You must first contact the BMW Car Insurance Company to register the claim. In addition to this, you need to inform the police about the loss or damage caused by the accident. You need to submit the police accident report with all the documents required to register the claim. 
  • Visit the Garage: After reporting the claim, you will get a call from one of the insurance company representatives for verification purposes. They will provide you with the nearest network garage details where you can get your vehicle repaired. 
  • Get the Estimation Report: After reaching the garage, you need to get your vehicle inspected and ask the garage people to create an estimated repair bill based on the damages. The garage estimation report is also one of the essential documents you need to send to the insurance company. 
  • Submit the Required Documents: With the estimation report and the police accident report, there are various other documents that you need to submit in order to get a quick claim approval. These documents include the car registration documents, policy registration documents and other documents as asked by the insurance company.
  • Collect Your Car: As soon as your vehicle gets repaired and the expenses are paid, you will receive a call from the garage stating the same. Once you get a call from them, you can go and collect your vehicle. Do not forget to take a test drive and check if the vehicle is working fine post repair. 

Documents Required by BMW Car Insurance Claims

Here are the documents required to claim a BMW Car Insurance policy.

  • Car Insurance Claim Form
  • Car Insurance policy registration documents
  • BMW car registration documents
  • Detailed bill payment receipts
  • An accident or FIR report created by Police.
  • Driving license of the person driving the insured car at the time of the accident
  • Estimated repair bill of the vehicle

Frequently Asked Questions

Q1.How is the BMW Car Insurance price calculated?

Ans. BMW Car Insurance premium gets calculated based on the following factors. 

  • Age of the car
  • Insured Declared Value of the vehicle
  • Claim history of the vehicle
  • Prices of selected add-on covers
  • Model number and variant of the car
  • Type of insurance coverage selected
Q2. Are BMW cars expensive to insure?

Ans. BMW Car Insurance prices depend upon the chosen type of insurance cover and add-on covers. The car insurance company offers reasonable insurance rates in comparison to many other insurance providers in the UAE. 

Q3.What does my BMW Insurance cover?

Ans. BMW Car Insurance covers expenses incurred from loss or damage caused to the insured vehicle due to an accident or natural disaster like heavy rain, flood, earthquake, windstorm, hailstorm, etc.

Q4.From where can I purchase insurance for my BMW Car?

Ans. You can simply call our helpline number or visit our website to buy a BMW Car Insurance policy.

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