Volvo Car Insurance

Volvo cars are synonymous with Scandinavian luxury, cutting-edge safety, and refined performance. Whether you're cruising through city streets or embarking on long highway drives, your Volvo deserves protection that matches its premium stature.

Volvo’s advanced tech and high-end features require specialised care. That’s why IndusInd General Insurance (formerly Reliance General Insurance) offers tailored car insurance plans for Volvo owners. From minor dents to major repairs, our comprehensive coverage ensures your Volvo stays in pristine condition.

Worried about expensive repairs due to water damage or electrical failures? Opt for add-ons like Engine Protect and Zero Depreciation to safeguard your car against unforeseen expenses. With car insurance being mandatory in India, choosing the right plan is crucial.

Buy your Volvo car insurance instantly via the IndusInd Self-i app and enjoy benefits like 24x7 assistance, quick claim settlement, and minimal paperwork. Drive your Volvo with confidence, knowing you're backed by a trusted insurance partner.

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Why 5 Crore+ Policyholders Trust Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

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13+ Add-On Covers*

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Up to 3 Years Coverage*

Get long term coverage

Video Claims Feature*

File claims via the Self-i app

24/7 Customer Assistance*

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Why Do You Need Volvo Insurance?

Legal Mandate

All car owners in India must legally carry at least third-party car insurance. This applies to Volvo owners too, regardless of how frequently the car is driven. If you're caught driving your Volvo without valid insurance, you may face fines ranging from ₹2,000 to ₹4,000 and even imprisonment up to 3 months. Stay compliant and protect your premium vehicle with the right insurance policy.

Covers Costly Repairs

Volvo cars are engineered with advanced safety systems and luxury-grade components. While they offer unmatched comfort and performance, repairs can be expensive. Whether it’s a minor dent or a major breakdown, Volvo car insurance helps cover repair costs, ensuring your vehicle remains in top condition without burning a hole in your pocket.

Covers Car Theft

Modern Volvo models like the XC60, S90, and XC90 come with premium price tags and are often targeted for theft. In case of total loss due to theft, your insurance policy reimburses the Insured Declared Value (IDV). With the Return to Invoice add-on, you can even recover the full invoice value of your Volvo, giving you complete financial protection against such unfortunate events.

Covers Natural Disasters

Despite Volvo’s robust build and intelligent safety systems, natural disasters like floods, landslides, or storms can cause severe damage. Comprehensive car insurance ensures your Volvo is protected against such calamities. For added protection, opt for the Engine Protect add-on to cover engine damage due to water ingress or other disaster-related issues.

Covers Fire and Fire-Related Damage

Fire accidents, whether due to short circuits, external sources, or garage mishaps, can lead to significant damage. Volvo car insurance covers fire-related losses, including partial or total damage. This ensures your investment is protected even in rare but high-impact scenarios. Add-ons like Consumables Cover can further enhance your protection against such risks.

Offers Peace of Mind and Convenience

Owning a Volvo is about enjoying a premium driving experience. With IndusInd General Insurance (formerly Reliance General Insurance), you get quick claim settlements, 24x7 support, and minimal paperwork. Buy your policy instantly via the IndusInd Self-i app and enjoy every ride knowing your Volvo is backed by reliable, all-round protection.

Types of Volvo Car Insurance Plans

Comprehensive Car Insurance

A comprehensive Volvo car insurance policy offers dual protection—it covers third-party liabilities and damages to your own car. Whether it’s a collision or a natural disaster, this plan ensures your Volvo is financially protected. You also get access to 10+ add-ons like Zero Depreciation and Engine Protect, allowing you to customise coverage for your premium vehicle.

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Pay As You Drive Car Insurance

This usage-based plan is ideal for Volvo owners who drive occasionally. You can select a yearly driving limit between 2,500–10,500 km with a 125 km grace buffer*. Unused kilometers can be carried forward, and you only top up when needed. Perfect for those who work from home, own multiple vehicles, or prefer public transport—this plan offers flexibility and cost-efficiency.

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Third Party Car Insurance

This is the most affordable Volvo car insurance option and is legally mandatory in India. It covers damages to third-party vehicles, property, or injuries caused during an accident involving your Volvo. For new car owners, we offer a 5-year third-party plan where you pay the premium once and enjoy uninterrupted coverage for up to 5 years making ownership hassle-free and compliant.

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Own Damage Car Insurance

If you already have third-party insurance, this standalone policy covers damages to your Volvo only. It protects against accidents, collisions, fires, theft, and natural disasters like floods or landslides. You can choose between short-term* and long-term coverage options ranging from 1 month to 1 year*, giving you the flexibility to tailor protection based on your driving habits and needs.

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Key Features of Volvo Car Insurance

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Key Features	Descriptions
Starting Premiums	₹238/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Self-i App
Network Garages	11,000+* network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	10+ add-on covers available*
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs* is available
24/7 Customer Support	Available through WhatsApp and Calls

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Features	Features
Premium starting at	Premium starting at

Inclusions and Exclusion

{Page Name}: Inclusions and Exclusion

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Accidents and Collisions: Our plan covers the repair costs for damage to your Mahindra car caused by a road accident.

Third-party Damages: Our Mahindra car insurance covers the cost of repairing damage to someone else’s vehicle or property.

Natural/Man-Made Disasters: We cover repair costs from natural disasters like floods and earthquakes, as well as man-made calamities like burglary, strikes, etc.

Fire or Explosion: Repair costs for your Mahindra car for damage due to fires, explosions, self-ignition and lightning strikes will be covered.

Theft: Offers compensation by paying the IDV amount to you for loss due to car theft.

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Depreciation: Depreciation of Mahindra car parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your Mahindra car, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

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Volvo Insurance Add-On Covers

Volvo cars are built with precision, luxury, and advanced technology. To ensure your insurance matches the premium nature of your vehicle, here are add-on covers that offer enhanced protection, savings, and convenience.

Nil Depreciation Cover

Money Saver

This add-on ensures you receive the full claim amount without deductions for depreciation on parts like plastic, rubber, and glass. It’s ideal for maintaining your Volvo’s premium finish and avoiding out-of-pocket repair costs.

Pay As You Drive Cover

Money Saver

Perfect for Volvo owners who drive occasionally, this add-on adjusts your premium based on actual kilometers driven. You pay only for what you use, making it a smart choice for those who work remotely or own multiple vehicles.

Return to Invoice Cover

Money Saver

In case of total loss or theft, this add-on reimburses the full invoice value of your Volvo, including road tax and registration charges. It’s a great way to protect your investment from depreciation-related losses.

Engine Protect Cover

Extra Protection

Volvo’s advanced engines require specialised care. This add-on covers engine damage due to water ingress, oil leaks, or hydrostatic lock—especially useful during monsoons or in flood-prone areas.

Tyre Protection Cover

Extra Protection

This add-on covers the cost of repairing or replacing your Volvo’s tyres in case of accidental damage, bursts, or cuts caused by potholes, sharp objects, or rough terrain—ideal for city and highway driving.

Key Replacement Cover

Extra Protection

Lost or damaged keys? This add-on covers the cost of replacing your Volvo’s keys, locks, and key fobs. It’s especially helpful for smart key systems that are expensive to replace.

Consumables Cover

Extra Protection

Covers the cost of consumables like engine oil, brake fluid, nuts, bolts, and lubricants used during repairs. These small but essential items can add up, and this add-on ensures they’re taken care of.

RIM Protection Cover

Extra Protection

Volvo’s alloy wheels are stylish but costly. This add-on covers damage to rims caused by potholes, curbs, or rough terrain, helping maintain your car’s aesthetics and performance.

Electrical Accessories Cover

Extra Protection

Protects your Volvo’s electrical accessories like infotainment systems, GPS units, and reverse cameras from damage due to accidents or electrical faults.

Non-Electrical Accessories Cover

Extra Protection

Covers non-electrical accessories such as seat covers, roof racks, and custom fittings. This add-on ensures your Volvo’s personalised features are financially protected.

NCB Retention Cover

Money Saver

Normally, making a claim reduces your No Claim Bonus. With this add-on, you can retain your NCB even after a claim, helping you save on future premiums.

Geo Extension Cover

Extra Protection

Planning to drive your Volvo across borders? This add-on extends your insurance coverage to select neighbouring countries, ensuring uninterrupted protection during international travel.

Daily Allowance Cover

Emergency

If your Volvo is in the garage for repairs post-accident, this add-on provides a daily cash allowance for alternate transport, helping you stay mobile without extra expenses.

Loss of Personal Belongings Cover

Emergency

Covers the loss of valuables like laptops, mobile phones, or bags stolen from your Volvo. It’s a must-have for professionals who carry expensive items during travel.

Emergency Hotel Stay Cover

Emergency

If your Volvo breaks down far from home and needs repairs, this add-on reimburses hotel expenses, ensuring you’re not stranded without shelter during emergencies.

EMI Protection Cover

Money Saver

If your Volvo’s repairs take longer than 21 days, this add-on covers your car’s EMIs during the downtime, helping you manage finances without stress.

24/7 Roadside Assistance

Emergency

Whether it’s a breakdown, flat tyre, or fuel shortage, this add-on provides round-the-clock assistance including towing, jump-starts, and emergency fuel delivery—especially useful in remote areas.

How to Buy and Renew

How to Buy/Renew {Page Name}?

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Buy Car Insurance

Scroll up to the top of this page and enter your car registration and mobile number.

Select your car make/model and enter your car registration and previous policy details.

Input your mobile number and OTP. Next, select your policy type and the car's IDV.

Choose your add-ons (if needed), then review the policy details and final price.

Pay securely online and finish the CKYC with your PAN details to get your policy.

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How to Renew

Go to the calculator on top of this page and click the “Renew” tab.

Fill in your mobile number or policy number and click "Get Your Policy".

Add your car’s details, such as registration number.

Update/modify your car insurance plan as per your needs.

Confirm the premium and make the online renewal payment

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Factors Affecting Volvo Car Insurance Premium

Your Volvo’s premium is determined based on specific parameters to ensure we offer the best coverage options suited to your needs and car usage. Some of the parameters listed below can also help you lower your premiums, so you get the best value for money.

Volvo’s IDV (Insured Declared Value)

The IDV reflects your Volvo’s current market value. A higher IDV means better claim payouts but also a higher premium. You can customise your IDV while buying or renewing your policy to balance coverage and cost.

Type of Coverage Chosen

Whether you opt for third-party liability or comprehensive coverage directly impacts your premium. Comprehensive plans with add-ons offer broader protection but come at a higher cost.

Add-On Covers Selected

Add-ons like Engine Protect, Tyre Cover, and Return-to-Invoice enhance your Volvo’s protection but also increase the premium. The more add-ons you choose, the higher your overall insurance cost.

Model, Variant & Engine Capacity

Premiums vary based on your Volvo’s model (XC40, S90, etc.), fuel type, and engine size. High-end variants or larger engines attract higher premiums due to increased repair and replacement costs.

Claim History & NCB Status

If you haven’t made any claims in the previous policy year, you may qualify for a No Claim Bonus (NCB), which reduces your premium. Frequent claims, however, can lead to higher renewal costs.

Anti-Theft Devices Installed

Installing IRDAI-approved anti-theft devices in your Volvo shows proactive protection against theft. This can help lower your premium as insurers consider it a reduced risk factor.

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How to File

How to File a {Page Name} Claims?

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How to File a Mahindra Car Insurance Claim?

Cashless Claim

Step 1: Inform Us

You must inform us within 24 hours of the incident and register your claim. You can do this on the IndusInd Self-i app.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Self-i app's live video survey feature or by submitting photos.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days* after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage once repairs are done. You will only need to pay mandatory deductibles (if any).

Reimbursement Claims

Step 1: Initiate the Claim

o initiate a claim for damage, total loss or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval of your claim, we will transfer the claim amount directly to your bank account.

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Volvo - Models and Prices

Volvo offers a thoughtfully curated lineup of variants across its models—each designed to suit different driving styles, comfort needs, and budgets. Whether you're drawn to the compact elegance of the XC40 or the luxurious performance of the XC60, there's a Volvo variant tailored just for you. Let’s take a closer look at what each one brings to the table.

Volvo Car Models	Ex Showroom Price
Volvo S90 Mild Hybrid (Petrol) \| Automatic	₹68,25,000
Volvo XC60 Mild Hybrid (Petrol) \| Automatic	₹1,00,89,900
Volvo C40 Electric \| Automatic	₹62,95,000
V90 Cross Country	Discontinued
XC40 Electric \| Automatic	₹54,95,000
Volvo XC60 Mild Hybrid \| Automatic	₹69,90,000

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Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.

Key Takeaways

Whether you use your Volvo to commute through city traffic, drive across hilly terrains, or transport your family on weekend getaways, you already know the value of this premium vehicle. Volvo cars are engineered for safety and comfort, but even the most advanced machines aren’t immune to unexpected events. Accidents, flash floods, tyre blowouts, or electrical failures—especially on uneven roads or during long drives—can lead to costly repairs and part replacements.

That’s why it’s essential to protect your Volvo with a reliable car insurance plan. With IndusInd Volvo Car Insurance (formerly Reliance Volvo Insurance), you get comprehensive coverage starting at just ₹238/month*, along with 24/7 support and a seamless digital experience.

We cover accidents, fire damage, and natural disasters like floods, earthquakes, and landslides. You also get legal protection through our third-party liability cover, ensuring peace of mind on every drive.

Plus, with access to 11,000+ network garages* across India, you won’t need to worry about upfront payments—we settle the bills directly. Our claims process is quick and hassle-free, thanks to the IndusInd Self-i app, which lets you file video claims right from your phone. Secure your Volvo today with a personalised insurance plan that’s built for your lifestyle and driving needs.

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Reliance General Insurance

Aapke Protection ka All-rounder

Reliance General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

IndusInd General Insurance

Get Tailored Car Protection With Us!

Get all-around protection for your Volvo with coverage against own damage, theft and more! You also have the option to add useful add-ons for enhanced coverage as per your needs.

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Yes, a family member can assist with the purchase as long as accurate information is provided. The policy must still be issued in the name of the senior traveller.

Can the policy be purchased at the last minute?

Yes, the policy can be bought even on the day of travel, provided the trip hasn’t started. However, it is advisable to purchase the policy in advance to avoid last-minute technical issues.