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BMW 6 Series Gran Turismo Car Insurance

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BMW 6 Series Gran Turismo

Home / Car Insurance / BMW Car Insurance / BMW 6 Series Gran Turismo Car Insurance

You must be thrilled to take delivery of your brand-new BMW 6 Series Gran Turismo. However, before you get behind the wheel and zoom off, it is crucial to purchase a comprehensive car insurance online. This ensures both you and your prized possession are fully protected against any unforeseen circumstances.

Buying car insurance may seem tedious, but it doesn't have to be! In this detailed guide, we will walk you through all the nitty-gritty of purchasing the ideal car insurance for your swanky new BMW 6 Series Gran Turismo.

Why Should You Buy Car Insurance For BMW 6 Series Gran Turismo?
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Purchasing adequate car insurance is not just legally mandatory, but also financially prudent for the following reasons:

As per the Motor Vehicles Act, driving without valid third-party liability insurance can attract heavy fines and even imprisonment. Hence, to legally drive your BMW on Indian roads, comprehensive insurance is a must.

Financial Security
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In case of accidents, damages or theft, you may incur heavy losses running into lakhs for repairs or replacement. Comprehensive cover protects you from such financial drain by covering repair costs.

Third-Party Liability
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You may be a safe driver, but what if someone else crashes into your BMW? Third-party cover protects you from legal and financial liabilities arising from injury or property damage caused to others.

Theft and Vandalism
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Luxury cars like BMWs are prone to thefts. Insurance covers the cost of replacing your car in case of theft. It also covers malicious acts like vandalism.

The Most Common Types Of Car Insurance For BMW 6 Series Gran Turismo
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Third-Party Liability Insurance
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This basic insurance covers injury or damage caused by your BMW to a third-party and their property. However, it does not cover any damage incurred to your own car. It is mandatory by law.

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Comprehensive Insurance
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This is the most comprehensive policy covering both third-party liability and own damage to your BMW arising from accidents, thefts, disasters, fires etc. It provides end-to-end protection and is strongly recommended.

What is Covered

What is Not Covered

What Is Covered In BMW 6 Series Gran Turismo Car Insurance?
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A comprehensive car insurance policy covers the following damages:

  • Third-party bodily injury and property damage.

  • Own damage to car due to collision, overturning, flooding, vandalism.

  • Theft of the entire car or its parts like airbags.

  • Loss or damage from fire, explosion, self-ignition, lightning etc.

  • Terrorist activities, riots, strikes, civil commotion.

  • Accidental loss or damage to accessories installed in the car.

What Is Not Covered In BMW 6 Series Gran Turismo Car Insurance?
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Though comprehensive, insurance policies do have some exclusions:

  • Wear and tear caused by regular usage and ageing of car parts.

  • Mechanical breakdowns like engine seizure or gearbox issues.

  • Electrical or electronic breakdowns.

  • Damage caused while driving under the influence of alcohol.

  • Depreciation due to ageing of parts.

  • Losses occurring outside specified geographical limits.

Add-ons For BMW 6 Series Gran Turismo Car Insurance
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To enhance coverage, the following useful add-ons can be purchased:

Zero Depreciation Cover
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Waives off depreciation deduction on parts during claim settlement. This improves your coverage substantially.

NCB Protection Cover
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Protects your No Claim Bonus from reducing even if you claim the policy term.

Engine Protection Cover
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Covers consequential damage to engine parts arising from leakage of lubricating oil or damage due to ingress of water.

Key Replacement Cover
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Covers the cost of replacing car keys if they are lost or stolen.

Consumable Cover
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Covers the cost of consumables like engine oil, gearbox oil, nuts and bolts etc. used during repair or replacement of damaged parts.

Roadside Assistance Cover
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Assists in case of breakdowns - repairs on the spot, towing to garage, fuel delivery, key retrieval etc.

Benefits Of Buying ACKO Car Insurance For Your BMW 6 Series Gran Turismo
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ACKO offers a host of benefits that enhance your car insurance experience:

How To Buy/Renew BMW 6 Series Gran Turismo Insurance From ACKO
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Follow the step-by-step process to buy or renew BMW insurance from ACKO:

1) Visit ACKO website or download the app.

2) Enter your BMW's registration number and click 'Check Prices.'

3) Choose your preferred insurance plan - third-party car insurance or comprehensive car insurance.

4) Select optional add-on covers to enhance protection.

5) Review premiums and make payments online through card, UPI etc.

6) Insurance policy will be emailed instantly on successful payment completion.

4 Easy Steps To Raise A Claim
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1) Log in to your ACKO account and click on 'Claim Now.'

2) Answer a few basic questions and upload required documents like RC copy, bills etc.

3) For minor claims, inspection may not be needed, and settlement is expedited.

4) For major claims, ACKO representatives will inspect the car and initiate the claim process.

Conclusion
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We hope this detailed guide convinces you to buy comprehensive insurance for your precious BMW 6 Series Gran Turismo. Adequate coverage ensures your prized possession is protected from any uncertainties and you can enjoy every ride stress-free. Choose ACKO for its transparent pricing, hassle-free purchase, speedy claims and dedicated support. Happy and safe driving!

Frequently Asked Questions on
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FAQs

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Is engine protection cover necessary for my BMW 6 Series Gran Turismo?

Engine protection add-on safeguards your BMW's expensive engine from damage due to water ingression or oil leakage. Though not mandatory, it's recommended for high-end cars like BMW to avoid heavy repair bills later.

How does No Claim Bonus (NCB) work in car insurance?

NCB is a discount awarded on premium if no claim is made during the policy term. The NCB slab increases by 20% every claim-free year up to 50%. A higher NCB means a lower premium.

Can I cancel my BMW car insurance mid-way and get a refund?

Yes, you can cancel your policy anytime and get a refund on a pro-rata basis i.e. proportionate to the remaining duration. Cancellation charges may apply.

What documents are required while raising a car insurance claim?

RC copy, policy copy, FIR or Panchnama for accidents, repair estimates, invoices, KYC documents etc., are required based on the claim type.

Can I extend a third-party liability insurance policy for my BMW?

Yes, third-party policy can be extended but own damage cover cannot be extended if opted initially. Fresh own damage cover must be bought post expiry.

Does BMW 6 Series Gran Turismo insurance cover roadside assistance?

Most insurers offer roadside assistance as an add-on at extra cost. It covers on-spot repairs, towing, fuel delivery etc., in case of breakdown.