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icon Car Insurance icon Bmw icon 3 Series
  • Overview
  • Types of Insurance
  • How to Buy
  • Essential Information
  • Addons
  • What's Covered
  • What's Not Covered
  • Frequently Asked Questions

BMW 3 Series Car Insurance

BMW 3 series is a sedan car which is recorded to have a good performance with its powerful engine. The exterior of the car has chrome finish and aluminum wheels with many spokes, tubeless tyres, kidney shaped grille and other stylish elements.

The inside of the car has space for storage of utility items. The interior of this car is roomy with multifunctional steering and smooth dashboard. The safety aspects includes deformation zones which absorbs some impact in case of collision, seat belts for passengers, six airbags, dynamic stability control which protects the vehicle from skidding, etc.

Note - All the information contained in this page has been sourced from the official website of BMW.

Types of Car Insurance Policy

Third Party Car Insurance
Third Party Car Insurance
Comprehensive Car Insurance
Comprehensive Car Insurance
Own Damage Car Insurance
Own Damage Car Insurance

How to Buy & Renew Car Insurance for BMW 3 Series: Online & Offline

Offline Process:

  • Call the motor insurance company of your preference.
  • Get in touch with third party aggregator of your choice.

Online Process:

  • Most insurance companies offer its customers the convenience of applying for car insurance online through their official websites. All you need to do is enter details the model and make of the car that you want to insure, your personal details, the premium that you would prefer to pay, etc. The softcopy of your car insurance policy will be generated and forwarded to the email ID that you have registered with them.
  • Alternately, you can visit the website of any TPA, enter the required information to view quotes for various car insurance policies.
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Essential Information about BMW 3 Series Car Insurance

Comprehensive Coverage

  • Third-party coverage
  • Loss and damage to the vehicle due to accident, theft, natural calamities, etc.
  • Personal accident cover for the occupants

Third-party Liability Insurance:

  • Covers bodily injury and /or death of third party
  • Property damage to third party

Boost the Protection of your BMW 3 Series with these Add-ons

subtitle
No Claim Bonus

No Claim Bonus

No claim bonus is retained despite making multiple claims in one policy year.
Zero Depreciation

Zero Depreciation

Depreciation on parts made up of glass, plastic, rubber, nylon, etc. is is not taken into consideration at the time of claim.
Roadside Assistance

Roadside Assistance

Also known as breakdown cover, roadside assistance cover provides you with assistance like towing service, minor repair, spare key arrangements, etc.
Personal Accident Cover

Personal Accident Cover

This type of cover provides compensation up to Rs. 15 lakh in case the owner-driver dies, becomes disable or is injured due to an accident.
Engine Protection Cover

Engine Protection Cover

Provides coverage in case of loss or damages caused to the engine due to issues such as water ingression, oil spill, etc.
Daily Allowance Cover

Daily Allowance Cover

In case the insured’s car is damaged and is being repaired at a garage, then this type of cover provides travel allowance to take care of day to day expenses
Consumable Cover

Consumable Cover

A regular car insurance policy does not provide coverage for cost of consumables such as oil, nuts and bolts, lubricants, etc. But with this type of add-on such costs are covered.
Accessories Cover

Accessories Cover

With this add-on, you get coverage for car accessories such as vacuum cleaner, anti-theft device, battery charger, fire extinguisher, etc.
Passenger Cover

Passenger Cover

In case if the passengers traveling in the car get injured then this cover provides coverage for cost of hospitalization, ambulance charges, etc.
Invoice Cover

Invoice Cover

In the event of total loss, constructive loss or theft of the car, return to invoice cover provides the car owner up to the amount mentioned in the invoice.
Key Replacement Cover

Key Replacement Cover

This add on provides coverage for expenses arising from replacing the keys of the insured car.
Loss of Personal Belonging

Loss of Personal Belongings

With Loss of personal belongings Cover, your insurer will pay for any type of damages or losses to most of your personal belongings kept in the car.
Paid Driver Cover

Paid Driver Cover

Paid Driver Cover is quite helpful when you have an employed driver as it pays for any injuries caused to your driver in case of an accident.
Tyre Damage Cover

Tyre Damage Cover

Tyre Damage Cover comes in handy and provides a great deal of assistance in case of a flat tire while you are traveling.
RIM Damage Cover

RIM Damage Cover

Any warping or damages caused to rim is covered when you have purchased the Rim Damage Cover Add-on.
Voluntary Deductible

Voluntary Deductible

A Voluntary Deductible refers to a precise portion of the claim money that the policyholder agrees to pay out of his own pocket. This makes premium cheaper.

Inclusions of a BMW 3 Series Car Insurance?

  • Loss or damage caused by natural calamities
  • Total loss because of fire, explosions or an act of terror
  • Total loss because of theft
  • Personal accident cover which could include passengers also
  • Own-damage cover
  • Third-party liability cover
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Exclusions of a BMW 3 Series Car Insurance?

  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Usage outside geographical limits
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organised Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils
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BMW 3 Series Specifications

The specifications of BMW 3 Series Gran Turismo are as follows:

Technical Data 320d GT Sport 320d GT Luxury Line 330i GT M Sport
Acceleration 0-100 km/h in sec 7.7 7.7 6.1
Capacity in ccm 1995 1995 1998
Cylinders/Valves 4/4 4/4 4/4
Max. output in kW(hp) at 1/min 140(190)/4,000 140(190)/4,000 185(252)/5,200
Drive and Transmission 320d GT Sport 320d GT Luxury Line 330i GT M Sport
8-Speed Steptronic Sport Automatic Transmission Standard equipment Standard equipment Standard equipment
BMW TwinPower Turbo 4-cylinder engine Diesel Diesel Not available
BMW TwinPower Turbo 4-cylinder engine Not available Not available Petrol
BMW Driving Experience Control (Modes : Comfort, ECOPRO, Sport, Sport +) Standard equipment Standard equipment Standard equipment
Cruise Control with braking function Not available Not available Standard equipment
Safety Features 320d GT Sport 320d GT Luxury Line 330i GT M Sport
Airbags:
- Front airbags for driver and front passenger
- Head airbags for all 4 outer seats with curtain head protection for rear passenger
- Side airbags for driver and front passenger
Standard equipment Standard equipment Standard equipment
Anti-lock Braking System (ABS) with brake assist Standard equipment Standard equipment Standard equipment
BMW Condition Based Service (Intelligent maintenance system) Standard equipment Standard equipment Standard equipment
Cornering Brake Control (CBC) Standard equipment Standard equipment Standard equipment
Dynamic Stability Control (DSC) including Dynamic Traction Control (DTC) Standard equipment Standard equipment Standard equipment
Electronic vehicle immobiliser and crash sensor Standard equipment Standard equipment Standard equipment
Emergency Spare Wheel Standard equipment Standard equipment Standard equipment
BMW ConnectedDrive 320d GT Sport 320d GT Luxury Line 330i GT M Sport
Apple CarPlay® Standard equipment Standard equipment Standard equipment
BMW Apps Standard equipment Standard equipment Standard equipment
BMW Head-Up display with full colour projection Not available Not available Standard equipment
Bluetooth with audio streaming, hands-free and USB connectivity Standard equipment Standard equipment Standard equipment

BMW 3 Series Interior and Exterior

The interior and exterior equipment of BMW 3 Series Gran Turismo are as follows:

Interior

Interior Equipment 320d GT Sport 320d GT Luxury Line 330i GT M Sport
Automatic 2-zone air conditioning with rear air vents Standard Equipment Standard Equipment Standard Equipment
BMW Individual headliner anthracite Not available Not available Standard Equipment
Centre armrest in rear with 2 cup holders Standard Equipment Standard Equipment Standard Equipment
Electrical seat adjustment for driver & passenger with memory function for driver Standard Equipment Standard Equipment Standard Equipment
Front armrest, sliding with storage compartment Standard Equipment Standard Equipment Standard Equipment
Floor mats in velour Standard Equipment Standard Equipment Standard Equipment
High resolution instrument display with extended contents Standard Equipment Not available Not available
Interior mirrors with automatic anti-dazzle function Standard Equipment Standard Equipment Standard Equipment
Lights package with ambient lighting Standard Equipment Standard Equipment Standard Equipment

Exterior

Exterior Equipment 320d GT Sport 320d GT Luxury Line 330i GT M Sport
Adaptive LED headlights including Auto High Beam Assistance Not Available Standard Equipment Standard Equipment
Active rear spoiler Standard Equipment Standard Equipment Standard Equipment
Automatic operation of tailgate Standard Equipment Standard Equipment Standard Equipment
Frameless doors Standard Equipment Standard Equipment Standard Equipment
Foldable exterior mirrors with automatic anti-dazzle function on driver side, mirror heating, memory and integrated LED turn indicators Standard Equipment Standard Equipment Standard Equipment
Heat protection glazing Standard Equipment Standard Equipment Standard Equipment
LED headlights Standard Equipment Not available Not available

BMW 3 Series Price in India

The price of BMW 3 Series Gran Turismo are as follows:

Variants Price (Ex-Showroom Price Effective 1 June 20, 2019)
320d Gran Turismo Sport Rs. 47,70,000
320d Gran Turismo Luxury Line Rs. 50,70,000
330i Gran Turismo M Sport Rs. 51,90,000

Other BMW Models

Here are some quick links to find out other BMW models
Bmw 1 Series
Bmw 3 Series Gt
Bmw 4 Series
Bmw 5 Series
Bmw 6 Series
Bmw 7 Series
Bmw I8
Bmw M3
Bmw M5
Bmw X1
Bmw X3
Bmw X4
Bmw X5
Bmw X6
Bmw X7
Bmw Z4
View More +

Frequently Asked Questions

  • Q. Is it mandatory to insure my BMW 3 Series in India?
    • In India, as per the Motor Vehicles Act of 1988, it is mandatory that every vehicle being driven on the road be insured. This rule applies to your Car too. Broadly, car insurance is divided into two categories i.e. third-party car insurance and comprehensive car insurance. However, you’ll be surprised to know [if you don’t know already] that only the third-party liability insurance is mandatory by law. Buying a comprehensive car insurance policy is a matter of choice.

  • Q. How will the engine’s CC affect my BMW 3 Series’s car insurance premium?
    • The total volume of all the cylinders in a car’s engine added together is expressed in cubic centimetres(cc) or, more frequently in litres. So, an engine with a capacity of 1499cc will be referred to as a 1.5litre unit. The cubic capacity of your car is mentioned in your car registration certificate (RC).The premium calculation is done as per below:

      • Cars not exceeding 1000 cc
      • Cars exceeding 1000 cc but not exceeding 1500cc
      • Cars exceeding 1500cc

      Incidentally, the cubic capacity of the car also has a direct impact on the Third Party premium, too. So, the higher the cubic capacity of your car, the more is the premium.

  • Q. What are the documents required to buy Insurance for my BMW 3 Series?
    • With the availability of online platforms, buying insurance is a very simple and hassle-free procedure. However, following are the documents that you would need to keep handy.

      • The copy of your Registration Certificate (RC) of your vehicle
      • The invoice copy for a new car
      • Previous insurance policy
      • No claim bonus reserving letter, whenever required
  • Q. What if I had provided wrong policy information while buying my BMW 3 Series’s car insurance?
    • You may wish to make changes to your existing BMW 3 Series’s car insurance policy, and these changes are done through an endorsement. An endorsement is a written evidence of the changes made in the policy. If you need to make any changes then you can submit a letter to the insurer with the necessary proofs. This helps you obtain an endorsement, which can affect the premium to be paid for the policy.

  • Q. Is it possible to renew my BMW 3 Series’S car insurance policy from third-party to comprehensive?
    • Yes it’s possible to switch from third-party to comprehensive. However, a vehicle inspection will be required.

  • Q. Can I renew my BMW 3 Series car insurance with another Insurance company?
    • Yes, you can renew your car insurance with another insurance company without any hassles.

  • Q. How does Coverfox.com assist me with car insurance comparison?
    • When you compare quotes on Coverfox.com, you get to customize your car insurance premium based on the different insurers available, the IDV and add-on covers. You can schedule inspection of your car if required by the insurance company. In case you do not understand the plan that you choose or any other aspect of the plan that you wish to buy, then our expert advisors are available to guide you through the process.

  • Q. What if I plan to cancel my BMW 3 Series’s car insurance policy? In such a case, what should I do?
    • There might be circumstances when you might feel like cancelling your existing car insurance policy. You may certainly do so. In this case, you need an alternate policy.

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