BMW X3 Insurance
BMW X3 Insurance
Introducing the BMW X3, a luxurious and powerful SUV designed for the discerning driver. With its dynamic performance, advanced technology, and sophisticated aesthetics, the BMW X3 represents the epitome of driving pleasure.
However, safeguarding such a valuable investment is crucial. Enter Tata AIG Insurance, a trusted name in the insurance industry. This guide explores why Tata AIG's car insurance policy is the ideal choice for your BMW X3, offering comprehensive coverage tailored to the vehicle's unique needs.
From protection against unforeseen accidents to personalised plans, discover how Tata AIG ensures peace of mind, allowing you to enjoy the exhilarating BMW X3 experience confidently.
Purchase/Renew BMW Insurance with Tata AIG
BMW X3 Insurance Online Purchase Guide
Navigate to the Tata AIG four-wheeler insurance webpage.
Fill in your BMW X3's registration number and click on "Get Price."
Complete the insurance application form with accurate and current information when it appears on the screen.
Upload the necessary KYC documents, including ID proof, address proof, and bank details.
Choose any desired add-ons for your BMW X3 insurance policy; however, they are optional.
Complete the application process by submitting the form and paying the insurance premium for your BMW X3.
Once your application is verified and approved, a PDF copy of your insurance plan will be sent to your registered email.
BMW X3 Car Insurance Renewal Guide
Go to the Tata AIG four-wheeler insurance webpage for renewal.
Input your BMW X3's registration number and click on the "Renew" option.
Complete the renewal form, including the policy expiration date and claim history details, if applicable.
Select any desired add-ons for your renewed BMW X3 insurance policy and proceed to make the payment.
After confirming your payment, a PDF copy of your renewed car insurance policy will be sent to your registered email.
Please Note: BMW X3 insurance policies offer 1 to 5-year terms. Renew within 90 days of expiry or, ideally, 15-30 days before for long-term plans. This ensures uninterrupted coverage, providing peace of mind with our comprehensive car insurance options.
BMW Car Insurance Cost/Price: What is the Premium for BMW Car Insurance
At Tata AIG, we recognise the significance of affordability, especially for high-performance and expensive cars like the BMW X3.
We strongly advise making use of our car insurance calculator before making a purchase. This free online tool provides precise estimates of insurance premiums, allowing you to understand the cost of your BMW X3 insurance beforehand.
When choosing your BMW car insurance from Tata AIG, you have the option of third-party insurance or a comprehensive policy.
Third-party plans follow IRDAI guidelines, determining premiums based on the car’s engine capacity, subject to annual assessments.
For a comprehensive four-wheeler insurance plan, the BMW X3 insurance cost is influenced by factors like make/model, add-ons, IDV, and location. Simplify this process with our insurance calculator—input the necessary details for a quick and accurate estimate.
Please Note:
IRDAI requires every four-wheeler in India to have third-party insurance. Opt for a minimum of third-party coverage if a comprehensive plan is not your preference.
To be able to drive your car safely on public roads, it must be insured. Ensure timely renewal of your car insurance to prevent any lapses in coverage.
Add-Ons for BMW X3 Insurance by Tata AIG
Enhance your BMW X3 insurance coverage with valuable add-ons that cater to your specific needs. While these additions may increase the overall insurance cost, selecting the right ones is crucial for comprehensive protection.
Explore the array of riders available with Tata AIG's car insurance policies, each offering unique benefits tailored to enhance your driving experience:
Key Replacement
Roadside Assistance
Tyre Secure
Zero Depreciation
Daily Allowance
No Claims Bonus Protection
Consumable Expenses
Return to Invoice
Loss of Personal Belongings
Plastic and Glass Fibre Repair and Replacement
Emergency Transport and Hotel Expenses
Inclusions and Exclusions Under Tata AIG’s BMW X3 Insurance
BMW X3 Car Insurance Inclusions
| Total Loss or Theft Reimbursement | In the event of theft or complete damage, our comprehensive car insurance policy ensures full reimbursement of your BMW X3's Insured Declared Value (IDV) |
|---|---|
| Natural Calamity Coverage | Comprehensive and standalone own-damage insurance policies safeguard your BMW X3 against damages caused by natural calamities such as earthquakes, cyclones, snowfall, floods, and more |
| Man-Made Disaster Reimbursement | Damages resulting from riots, terrorist attacks, strikes, and other man-made disasters are covered under both standalone own-damage and comprehensive car insurance policies |
| Accident Damage Coverage | Whether it is a standalone own-damage or comprehensive policy, we've got you covered for damages sustained in an accident |
| Fire and Explosion Reimbursement | In case of fire due to self-ignition, explosions, lightning, etc., our comprehensive and standalone own-damage insurance policies provide reimbursement for damages to your BMW X3 |
| Transit Damage Coverage | Comprehensive insurance policies extend coverage to damages incurred during the transit of your BMW X3 via roadways, railways, or waterways |
| Third-Party Liability | We cover bodily injuries, death, or property damage to third parties caused by your insured BMW X3 |
| Owner-Driver Medical Expenses | Our comprehensive car insurance plan includes coverage for medical expenses incurred by the owner-driver in the event of an accident |
| Add-On Specific Coverage | Tailor your insurance plan with specific add-on covers to meet your unique requirements and enhance the protection of your BMW X3 |
BMW X3 Car Insurance Exclusions
| Negligent Driving | Damages resulting from irrational or negligent driving, including operating a four-wheeler without a valid driver's license, are not eligible for reimbursement |
|---|---|
| Geographical Limitation | Damages incurred while driving outside the specified location or designated geographical area are not covered under our insurance policy for your BMW X3 |
| Driving Under the Influence | We do not provide coverage for damages caused while the driver is under the influence of alcohol or drugs |
| General Wear and Tear | Wear and tear due to car depreciation, regular usage, and general maintenance expenses are excluded from coverage for your BMW X3 |
| Commercial Usage Exclusion | Damages sustained during the commercial use of a private vehicle are not eligible for reimbursement |
| Crash Testing and Speed Racing | Damages resulting from crash testing or participation in speed racing events are not covered under our insurance policy for your BMW X3 |
| War-Like Situations | Damages caused due to a war-like situation are excluded from coverage |
| Consumable Replacement Limitation | Replacement of consumables due to wear and tear is not covered; instead, reimbursement is limited to up to 50% |
| Add-On/Rider Exclusion | Coverage under an add-on or rider is not applicable if it is not explicitly covered in your car insurance policy for the BMW X3 |
Reasons to Buy Tata AIG BMW X3 Car Insurance
Even though we all know that car insurance is pivotal to keeping your beloved possessions safe on the roads, most people often make a mistake in choosing the right policy.
Hence, it is crucial to do your due diligence before picking an insurance plan for your all-new BMW X3!
Below, you will discover the compelling reasons to opt for Tata AIG's insurance coverage tailored for the BMW X3:
Proven Track Record: With a legacy of over 20 years, Tata AIG has proudly served more than five crore satisfied customers, establishing itself as a trusted name in the insurance industry.
Extensive Add-On Options: Choose from a diverse selection of twelve add-ons, empowering BMW X3 owners to customise their insurance coverage according to specific needs and preferences.
Exceptional Claim Settlement Ratio: Tata AIG boasts an impressive 99.01% claim settlement ratio for 2022-2023, reflecting our commitment to professionalism and efficient claims handling, ensuring swift settlements for our valued customers.
Seamless Online Processes: Simplifying the insurance journey, Tata AIG facilitates online policy purchase and renewal for BMW X3 owners, allowing them to complete the entire process from the comfort of their homes. Explore various insurance plans and select the one that aligns with your requirements.
Extensive Garage Network: With a vast network of over 7500 garages across India, Tata AIG ensures unparalleled convenience for BMW X3 owners, facilitating hassle-free repairs and replacements.
Tailored Coverage: Every car insurance policy is meticulously tailored to meet the specific needs and requirements of BMW X3 owners, complemented by the support of 650 car insurance claim experts, ensuring a personalised and comprehensive insurance experience.
BMW X3: Overview and Unique Selling Points
The BMW X3 is a luxury compact SUV known for its sporty handling, powerful engines, and refined interior. It is a popular choice for drivers who want a fun and practical vehicle for everyday use.
Here's an overview of the BMW X3:
Body style: 5-door SUV
Engine options: 2.0L turbocharged 4-cylinder, 3.0L turbocharged 6-cylinder, 3.0L turbocharged 6-cylinder hybrid
Transmission: 8-speed automatic
Drivetrain: Rear-wheel drive (sDrive) or all-wheel drive (xDrive)
Fuel economy: 25-30 mpg combined (depending on engine and drivetrain)
Seating capacity: 5
Cargo capacity: 28.7 cubic feet (behind first row), 62.7 cubic feet (behind second row)
Unique Selling Points of the BMW X3:
Sporty handling: The X3 delivers sharp handling and responsive steering, making it a joy to drive on winding roads.
Powerful engines: The X3 offers a range of powerful turbocharged engines, providing plenty of acceleration for passing and merging.
Luxury interior: The X3 boasts a well-crafted interior with high-quality materials and comfortable seats.
Technology: The X3 has the latest features, including a large touchscreen infotainment system, a digital instrument cluster, and driver-assistance systems.
Cargo space: The X3 offers a decent amount of cargo space behind the second row and even more with the seats folded down.
Brand reputation: BMW is a well-respected brand known for its quality, performance, and luxury.
Off-road capability: While not a dedicated off-roader, the X3 offers optional all-wheel drive and a raised suspension for tackling light off-road terrain.
BMW X3: Variants and Prices
| Variants | Ex-Showroom Price (Delhi) |
|---|---|
| X3 xDrive20d xLine | ₹68.50 Lakh |
| X3 xDrive20d M Sport | ₹71.90 Lakh |
| X3 xDrive M40i | ₹87.70 Lakh |
Disclaimer: These prices were taken from CarDekho on 7/12/2023 at 6:00 pm IST. Since prices are subject to change, we recommend checking your city’s current ex-showroom price before buying. Most of the prices listed above are expected prices, as some variants are yet to launch in India.
Top 5 Competitors of the BMW X3
| Competitor Car Name/Model | Ex-Showroom Price (Delhi) |
|---|---|
| Audi Q5 | ₹64.90 Lakh |
| Mercedes-Benz GLC | ₹57.60 Lakh |
| Porsche Macan | ₹77.70 Lakh |
| Volvo XC60 | ₹61.90 Lakh |
| Genesis GV70 | ₹54.90 Lakh |
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Related Articles
Can I modify my BMW X3 insurance policy after purchase?
Can I modify my BMW X3 insurance policy after purchase?
Yes, you can modify your Tata AIG BMW X3 insurance policy during the policy period. You can add or remove coverage options, change the sum insured, or update your personal details. Contact your agent or visit the Tata AIG website to make changes.
What happens if I make a claim under my BMW X3 insurance policy?
Upon receiving your claim documents, Tata AIG will review the claim and verify its validity. If your claim is approved, Tata AIG will settle the claim amount directly to the repair garage or reimburse you for the expenses incurred.
What factors affect my BMW car insurance price?
Several factors influence your BMW X3 insurance price, including: Your age and driving experience: Younger drivers with less experience typically pay higher premiums. Your location: Premiums can vary depending on your city and geographic zone. Your BMW X3 model and variant: Premiums are higher for higher-priced and more powerful variants. Chosen coverage and add-ons: Additional coverage options like zero depreciation and roadside assistance increase the premium. No-claim bonus: Accumulating claim-free years earns you a discount on your premium.
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