The 3 Series–a large family sedan–is manufactured by BMW. The luxury car has a 5-star safety rating on the Euro NCAP crash tests. With a starting ex-showroom price of ₹46.90 Lakh (Delhi), the 3 Series comes with an engine capacity of up to 2998cc. Though this four-wheeler is equipped with a traction control system, ABS, 6 airbags, and other safety features, the car cannot protect you against unforeseen threats like accidents, theft, man-made disasters, etc. That’s when comprehensive car insurance comes into play. It offers coverage against all the aforementioned threats and more. In this article, let’s understand more about various BMW 3 Series insurance, variants, prices, and more.
The below table highlights the ex-showroom price, fuel type, and estimated third-party insurance premium of different BMW 3 Series variants:
BMW 3 Series Car Variants |
Ex-Showroom Price* |
Fuel Type |
Estimated Third-party Premium** |
3 Series 330i Sport |
₹46.90 Lakh |
Petrol |
₹7,897 |
3 Series Luxury Edition |
₹50.90 Lakh |
Diesel |
₹7,897 |
3 Series 330i M Sport |
₹52.90 Lakh |
Petrol |
₹7,897 |
3 Series M340i Xdrive |
₹65.90 Lakh |
Petrol |
₹7,897 |
3 Series M340i Xdrive 50 Jahre M Edition |
₹68.90 Lakh |
Petrol |
₹7,897 |
*The BMW 3 Series ex-showroom prices are for Delhi and are subject to change based on the city.
**Third-party premium rates are indicative. The actual BMW 3 Series car insurance premium cost that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car insurance policy.
You can avail BMW 3 Series car insurance at an affordable amount with Bajaj Markets:
Step 1: Go to the ‘car insurance premium calculator’ page on the Bajaj Markets website.
Step 2: Fill in the vehicle registration number and contact number.
Step 3: Choose a suitable coverage for your BMW four-wheeler.
Step 4: Fill in the online form and submit your car’s details.
Step 5: Complete the payment of your BMW 3 Series Insurance.
Step 6: Your car insurance plan will be issued soon!
Renew your BMW 3 Series insurance in the following way:
Step 1: Go to the ‘car insurance renewal’ page on your insurance provider’s website.
Step 2: Enter your registration number and mobile number.
Step 3: Provide your previous policy details.
Step 4: Check your renewal premium.
Step 5: Make an instant online payment.
Step 6: Download your insurance policy copy.
Protecting your 3 Series against accidental damages or disasters such as fire or explosion is mandatory amid increasing traffic on the road. If a vehicle is involved in an unfortunate mishap, the cost of replacing car accessories and other damaged parts can be more than ₹1 Lakh for any low-end car. So, imagine the cost to repair a luxury sedan like the BMW 3 Series. But a car insurance policy takes away the monetary burden of covering the repair expenses and manages the legal formalities in case of an accident.
Third-party car insurance plans safeguard you against third-party liabilities in case your BMW 3 Series causes an accident. This policy will help you compensate for third-party losses like their property, bodily injuries, or even death. Moreover, third-party liability car insurance is mandatory under the Motor Vehicles Act, 1988, which means, you cannot opt out of it. However, the third-party cover is limited to the losses of a victim.
Comprehensive car insurance secures your BMW against a myriad of perils like calamities, theft, third-party liabilities, etc.. Though this BMW 3 Series car insurance price is higher than the basic plan, its extensive coverage is worth every dime. You not only get a comprehensive cover but also a chance to extend it further with add-on covers!
Third-party insurance covers loss or damage caused to the third party, bodily injuries, death of the victim and offers a personal accident cover. However, with a comprehensive BMW 3 Series car insurance plan, you are protected against expenses incurred due to own damage, third-party liabilities, theft, calamities, and other such perils.
The exclusions of BMW 3 Series car insurance are damage resulting from drunk driving, electrical or mechanical breakdown, driving without a valid licence, using a private vehicle for commercial purposes, etc.
Opt for the following add-on covers separately with your BMW 3 Series car insurance plan for extra protection:
Get the cost of repairing your car’s engine and tyres covered under the engine and tyre protection add-on.
With zero depreciation cover, the insurer won’t consider the depreciation rate of your BMW 3 Series and pay out the entire claim amount.
Have the cost of replacing your car keys covered with the lock and key replacement cover.
The roadside assistance add-on cover allows you to seek help in case you are stranded on the road due to a car-related issue.
Submit the following documents to raise a car insurance claim:
BMW 3 Series car insurance policy
Vehicle details
Insurer details
Registration Certificate
Details of the incident
FIR copy in case of theft
Original bills and receipts of the vehicle repair
There are two types of BMW 3 Series car insurance claims:
With a cashless claim facility, you can take your BMW 3 Series to a network garage where the bill will be settled by the insurer. You only need to cover the applicable deductibles under the policy.
With a reimbursement claim, you can opt for a preferred garage in the case of damage. Here, you need to cover the repair cost and later raise a claim to get the compensation.
Make great savings with the below tips to reduce your BMW 3 Series car insurance prices:
The No Claim Bonus (NCB) in Car insurance is a reward that you can avail on your renewal premium for not making any claims during the policy year.
You can get a cost-effective BMW 3 Series car insurance quote by comparing plans offered by various insurers.
You shall incur fewer claims by following the traffic rules and driving your 3 Series cautiously.
To get an additional reward on your premium, installing ARAI-approved anti-theft devices is a must!
Secure the NCB reward by paying for smaller insurance claims if you can afford to cover them.
Servicing your BMW regularly and getting it checked for issues will help you keep the insurance claims on the low!
Ascertain that the battery of your 3 Series is in good condition, moreover, cleaning it is a must!
Since the car user manual has all the information regarding your 3 Series, read it carefully and avoid car troubles in the future.
Before you go on a drive with your BMW, check the tyre pressure and maintain it regularly.
In case of any issues, the dashboard of your car shall flash warning lights, so make sure to look out for such signs.
You can contact any authorised BMW service centre to get the BMW 3 Series maintenance cost and service schedule.
Check out the below table to know the key specs of the BMW 3 Series:
Details |
Specifications |
BMW 3 Series Mileage |
11.86 kmpl |
Engine Displacement |
2998 cc |
Transmission Type |
Automatic |
Max Power |
382.19bhp@5800rpm |
Max Torque |
500Nm@1850-5000rpm |
BMW 3 Series Seating Capacity |
5 |
BMW 3 Series Fuel Tank Capacity |
59 Litres |
No. of Cylinder |
6 |
Boot Space (Litres) |
450 |
Ground Clearance Unladen |
165 mm |
Want to know the on-road price for the base model of the BMW 3 Series? Glance through the below table:
City |
BMW 3 Series On-Road Price (Base Model) |
Chennai |
₹62.59 Lakh |
Pune |
₹61.29 Lakh |
Surat |
₹56.66 Lakh |
Delhi |
₹59.95 Lakh |
Bangalore |
₹64.87 Lakh |
Mumbai |
₹62.36 Lakh |
Here are a few features of the BMW 3 Series:
Power Steering |
✓ |
Anti-Lock Braking System |
✓ |
Air Conditioner |
✓ |
Multi-Function Steering Wheel |
✓ |
Driver Airbag |
✓ |
Passenger Airbag |
✓ |
Fog Lamps (Front) |
✓ |
Automatic Climate Control |
✓ |
Cup Holders (Front and Rear) |
✓ |
Odometer |
✓ |
Alloy Wheels |
✓ |
Now that you know the BMW 3 Series car insurance features and importance, you must opt for the right policy to avoid any financial burden. If you own a discontinued BMW 3 Series variant, you can rest assured, as at Bajaj Markets, you can get coverage for such four-wheelers! So, don’t put off the task of purchasing car insurance for your BMW and head over to our platform now.
You can choose between the petrol or diesel variant based on how much you use the car every day.
The BMW 3 Series M340i xDrive 50 Jahre M Edition (Petrol) is the top model available at an ex-showroom price of ₹68.90 Lakh in Delhi.
Yes, the BMW 3 Series is extremely safe with a 5-star rating at the Euro NCAP crash test.
No. Comprehensive insurance is an optional cover, however, it is recommended to opt for it to enjoy extensive coverage against risks.
It is advised to always declare the correct Insured Declared Value (IDV) of your car to get the right compensation in case of damage.