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A member of BMW's renowned roadster lineup is the Z4. Along with the classic BMW style, it has the brand's typical kidney grille. The Z4 has a 2998 cc engine with an automated transmission function and gets 11.29 to 14.37 miles per gallon. In order to protect your BMW Z4 against unanticipated incidents, it is imperative that you Check Insurance Premium for BMW Z4 Variants.

Check Insurance Premium for BMW Z4 Variants



Fuel Type


Z4 sDrive 35i

Rs. 66 Lakhs


Rs. 7897

Roadster 3.0i

Rs. 52 Lakhs


Rs. 7897

*All information mentioned above for BMW Z4 is about both existing and discontinued (if any) variants. Moreover, you can visit the Bajaj Markets platform to compare between different policies and find the ideal one.

How to Buy BMW Z4 Car Insurance Online

The following steps will guide you thoroughly in purchasing your preferred car insurance plan online:


  • Step 1: Visit Bajaj Markets and go to the ‘car insurance premium calculator’ section.

  • Step 2: Enter the registration number of your purchased vehicle, mobile number, and other additional information as required.

  • Step 3: After the details you provided are verified, your screen will display various insurance plans available for your vehicle.

  • Step 4: Choose the car insurance plan that suits your needs perfectly.

  • Step 5: Go through the terms and conditions applied thoroughly and purchase the chosen BMW Z4 car insurance policy online.


Once you pay the BMW Z4 car insurance amount, the insurance provider will send you a copy of your registered email address.

How to Renew BMW Z4 Car Insurance Online

Just purchasing BMW Z4 car insurance is not enough; you also need to renew it in time to keep the plan active. Following the steps mentioned below, you can easily renew your cars insurance:

  • Step 1: Visit the official website of your insurance provider.

  • Step 2: Navigate the screen and choose the option that says renew policy.

  • Step 3: Enter your vehicle's registration number and your mobile number.

  • Step 4: Provide the required details of your on-going/ previous BMW Z4 car insurance policy.

  • Step 5: Modify your plan by adding or subtracting offered add-ons.

  • Step 6: Check the total BMW Z4 car insurance cost and make the payment using any online payment option.

  • Step 7: Download and save a copy of your renewed car insurance for future reference.


Following these steps, you can easily renew and download your car insurance policy; however, you wonder why you should invest in car insurance.

Why Invest in BMW Z4 Car Insurance?

As an owner of a BMW Z4, you should consider investing in your vehicle's insurance. In India, the Motor Vehicles Act of 1988 has made it mandatory for all car owners to have car insurance. Individuals who fail to have car insurance will face serious consequences that include fines as well imprisonment. In case your car is involved in an accident that caused third-party damage/ property loss, your car insurance will take care of it. Additionally, your car insurance will extend financial assistance if you face legal liability for third-party death or bodily injury.

Types of BMW Z4 Car Insurance

There are mainly two types of insurance plans in India, namely third-party and comprehensive car insurance. Deciding which insurance would be a better choice for your vehicle can be both difficult and confusing. So, as a car owner, you can compare the benefits, associated costs and features by visiting the Bajaj Markets website/app.

However, some brief knowledge about these insurances and how they cover BMW Z4 car insurance costs are mentioned below:

  • Third-party Car Insurance

It offers financial coverage for all kinds of third-party losses and damage caused in case your car goes through any unforeseen event. As per the Motor Vehicle Act, 1988, all car owners should have a third party car insurance plan. With this insurance, individuals can also financially protect themselves from personal accidents, third-party death or disability.

  • Comprehensive Car Insurance

With this insurance, individuals get financial protection against damages and losses suffered by themselves as well as third parties. In addition, legal liabilities and similar complications are also taken care of under the comprehensive car insurance policy.

Next, you should know what components are covered by the BMW Z4 car insurance and everything it doesn't cover.

Inclusions and Exclusions of BMW Z4 Car Insurance Plan

As a four-wheeler owner, your awareness should not be limited to the features and specifications of the BMW Z4 but extend to a lot more. For instance, you should know the various car insurance policy plans and what they are offering. Determine the services that are included devoid of any conditions and vice versa.

Consider the inclusions and exclusions list below for a better understanding:


  • Financial protection against theft or stolen vehicle

  • Coverage for personal accident

  • Financial cover for vehicle repair and replacement

  • Coverage for accidental damage

  • Financial assistance against riots and other human-made crisis


  • Loss and damage caused when the driver is under the influence of alcohol or any other drug

  • Any sort of loss or damage caused while driving with an expired or inactive car insurance

  • Loss occurred due to a mechanical or electrical car breakdown

  • Damage or loss caused while driving with an invalid driving licence

  • Losses faced under the influence of war-like situations

  • Damages caused when driver violates driving rules and regulations

Add-On Covers for Your BMW Z4 Car

You can opt for add-on services to extend the coverage of your BMW Z4 car insurance policy. However, these covers come with an extra cost that you, as the car owner, have to pay along with the premium amount.

The add-on covers on offer for the BMW Z4 car insurance plan are as follows:

  • NCB protection cover

This add-on cover allows car owners to continue NCB bonus even if they raised a claim in the last policy tenor. It helps in reducing the premium cost, regardless of whether the claim was raised or not.

  • Key replacement cover

The key replacement add-on cover bears the expense cost of replacing the lost or damaged key or even compensate for the expense of replaced lock.

  • Zero depreciation cover

As per this zero depreciation additional cover, no depreciation is subtracted during claim settlement. To put it simply, the claim amount will be settled without considering the cost of depreciation aspect of car parts.

  • Roadside assistance cover

This additional roadside assistance cover acts as a saviour if your car faces a breakdown in the middle of the road or encounters an accident. You need to contact your concerned insurance provider for necessary assistance.

  • Engine protection cover

With this Engine protection cover add-on benefit, your insurance company will reimburse the expense incurred towards replacing or repairing engine parts.

BMW Z4 Insurance Claim Process

As a BMW Z4 owner, you can apply for a reimbursement claim and a cashless BMW Z4 car insurance claim.

  • For cashless claim

The steps mentioned below will guide you on how to file a cashless car insurance claim:

  • Step 1: Inform your insurance provider by visiting their official website or calling the toll-free number and registering for the claim.

  • Step 2: Contact the network garage and get all the required repairs and replacements.

  • Step 3: Present all relevant bills and documents.

  • Step 4: The insurance provider will verify all submitted documents and settle the bill with the garage.

  • For reimbursement claim

The steps mentioned below will guide you on how to file a reimbursement claim:

  • Step 1: Intimate the insurance provider with the details of the damage.

  • Step 2: Opt for an FIR in case of vehicle theft or damage caused by any third party. Submit the FIR copy to the insurer.

  • Step 3: Go to any garage and get the repairs and replacements; also, pay for it.

  • Step 4: Present the bills and documents to the insurance provider.


The documents required to complete this process are as follows:


  • Insurance policy document

  • Insurer details

  • Vehicle details

  • FIR copy in case of theft

  • Original repair and replacement bill from the garage

  • Details of the incident

How to Reduce Insurance Cost of BMW Z4

As a four-wheeler owner, you can follow these tips to reduce the overall cost of your BMW Z4 car insurance price:

  • Install anti-theft devices on your car

Installing an anti-theft device is one of the easiest ways to lower the insurance cost of a vehicle. Since such devices lowers the chances of vehicle theft, they also minimise the risk of an insurance provider. Thus, an insurer may consider lowering the premium of an insurance.

  • Opt out of raising small claims

If you raise a claim for a small repairing work of your vehicle, it will safeguard your finances in the short-term. However, you will lose out on NCB or No Claim Bonus that you are supposed to receive the next year.

  • Avoid purchasing unnecessary add-ons for your car

Almost every insurance provider extends add-on facilities to increase the scope of coverage of an insurance plan. However, they add up to the cost of the premium of a vehicle insurance plan. Therefore, it is ideal to be wise with the choice of add-ons, to keep the insurance premium in check.

  • Raise voluntary deductibles

Voluntary deductibles of an insurance plan refers to the claim amount that the policyholder bears. So, with a higher voluntary deductible the contribution of an insurance provider lowers, which results in the lowering of premium amount.

  • Avoid policy lapse

Another easy way to keep the cost of premium in check is to avoid the policy lapse. In case you do not renew the policy on time, the insurer may charge a fine with your next premium amount, which in turn, will increase the premium cost of your car insurance plan.

Top Tips to Maintain Your BMW Z4

Here are some tips on how you can maintain your BMW Z4 like a professional:


  • Get the car’s engine checked at least once every year.

  • On completion of 12000 to 15000 miles, change your BMW’s oil.

  • Inspect the brakes from time to time, especially the brake pads.

  • Regularly keep an eye on your BMW’s tires and check if they are inflated in the right proportion.

  • Every once in a while, clean your car inside and out by proper cleaning, vacuuming and waxing.

  • Be a good driver and avoid reckless driving.

BMW Z4 Maintenance Cost

The table below represents the average BMW Z4 service cost:

Service No.



Total Cost (Approx)

1st service

10000/ 12


Rs. 11,000

2nd Service

20000/ 24


Rs. 36,000

3rd Service

30000/ 36


Rs. 50,000

4th Service

40000/ 48


Rs. 84,000

5th Service

50000/ 60


Rs. 1,00,000

*Note that these figures are indicative, and the actual maintenance/ service cost may differ. Individuals can also visit network garages to avail cashless benefits.

Things to Service

Down below is a list of the components that require frequent maintenance:


  1. Change oil and filter, power steering fluid and replace cabin air filter

  2. Battery, cables, lubricant trunks, valve, brakes belts etc

  3. Transmission fluid service and spark plug replacement

  4. Oxygen sensor replacement and transmission fluid service


If you do not comply with the maintenance schedule of these above-mentioned car components, it can lead to poor performance of your car and lose overall effectiveness.

About BMW Z4

The BMW Z4 is one of the most popular cars from the BMW Z series. It was launched on 8th April, 2019. The car flaunts an iconic design reflecting the legendary sports car tradition. Most customers identify it as a timeless classic. The car features a long bonnet and smooth sloping roofline on the outside.


Refer to the table below to know its added features and ex-showrooms:


Transmission Type

Fuel Type

Ex-Showroom Price

Z4sDrive 20i



Rs. 71.90 Lakhs

Z4 M40i



Rs. 84.90 Lakhs

On Road Price of BMW Z4 for Top Cities

The on-road price changes from one city to the other. Hence, refer to the table below to get a better understanding of the on-road prices of BMW Z4 in major Indian cities:


On-Road Price 

New Delhi

Rs. 82.87 Lakhs - Rs. 97.80 Lakhs


Rs. 90.04 Lakhs - Rs. 1.08 Crores


Rs. 79.99 Lakhs - Rs. 94.41 Lakhs


Rs. 85.02 Lakhs - Rs. 1.00 Crores


Rs. 85.74 Lakhs - Rs. 1.01 Crores


Rs. 88.69 Lakhs - Rs. 1.04 Crores


Rs. 85.02 Lakhs - Rs. 1.00 Crores

Top BMW Z4 Features

Following are the main features of this legendary sports vehicle:

  1. ARAI Mileage – 11.29 kmpl

  2. Seating capacity – 2

  3. Engine displacement (cc) – 2998

  4. Max torque – 500Nm@1600-4500rpm

  5. Max power (bhp@rpm) - 335bhp@5000-6500rpm

  6. Fuel tank capacity – 52.0

  7. No. of cylinder – 6

  8. Fuel type – petrol

  9. Body type – convertible

  10. Boot space in Litres – 281

  11. Transmission type – automatic


All the features and the car insurance premium make up the BMW Z4 car insurance price in India. To understand and compare all the variants attached to purchasing this vehicle and its available other models, select wisely.

Check Out Car Insurance Partners Available at Bajaj Markets

FAQs in BMW Z4 Car Insurance

Who are the competitors of BMW in India?

Mercedes Benz, Porsche, Lexus, and Audi, are some of the competitors of BMW in India.

What is the weight of the BMW Z4?

The weight varies between 1,505 to 1,610 kilograms.

Do I need insurance coverage for a pre-owned BMW Z4?

Yes, you need insurance, as the government has made it mandatory.

How many colours are available in BMWZ4?

It is available in different premium shades of blue, black, red, silver, and white.

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