Ford Figo Car Insurance starting at ₹238/month
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Up to 90% Discount*
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11,000+ Network Garages*
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99.57% Claims Settled*
Ford Figo Car Insurance
The Ford Figo is a smart, compact hatchback that blends style, performance, and practicality making it a favourite among urban drivers and small families. Its peppy engine, agile handling, and modern features make every drive enjoyable, whether you're navigating city traffic or heading out on a weekend getaway.
But even the most reliable cars need protection. From minor dents to major repairs, unexpected incidents can lead to costly bills. That’s why having a Ford Figo car insurance plan is not just a legal requirement, but a smart move to safeguard your car and your peace of mind.
With IndusInd General Insurance (formerly Reliance General Insurance), you can buy or renew your Ford Figo insurance policy in just a few taps using the IndusInd Self-i app. Enjoy benefits like 24x7 roadside assistance, quick claim settlements, and the option to enhance your coverage with add-ons like Zero Depreciation and Engine Protect.
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.
10+ Add-On Covers*
Customise your {Page Name} insurance
Up to 3 Years Coverage*
Get long and short term coverage
Video Claims Feature*
File claims via the IndusInd Self-i app
24/7 Customer Assistance*
Get support from anywhere in India
Why Do You Need Ford Figo Insurance?
Legal Mandate
In India, it’s mandatory to have at least third-party insurance to drive your Ford Figo legally. Even if you use it occasionally, valid insurance is a must. Driving without it can lead to fines of ₹2,000–₹4,000 or even imprisonment for up to 3 months. A valid policy keeps you legally compliant and financially protected.
Covers Car Repairs
The Ford Figo is perfect for city drives, but daily commutes, potholes, and minor collisions can cause damage. Without insurance, repair costs can be a burden. A comprehensive Ford Figo insurance plan helps cover these expenses, ensuring your car stays in top shape without unexpected financial stress.
Covers Car Theft
Newer Ford Figo models with advanced features can cost up to ₹8 lakhs*, making them attractive to thieves. Comprehensive insurance protects you from financial loss in case of theft by reimbursing the IDV. With a Return to Invoice add-on, you can recover the full invoice value of your car.
Covers Natural Disasters
Floods, landslides, and storms can cause serious damage to your Figo, especially during monsoons. Even parked cars are at risk. A comprehensive policy with an Engine Protect add-on covers engine and electrical damage caused by water ingress, helping you avoid high repair costs.
Covers Fire and Fire-Related Damage
Fire damage can result from short circuits, lightning, or nearby fires. Even a parked car isn’t immune. Repairing fire-related damage can be expensive. A comprehensive Ford Figo insurance policy covers such risks, ensuring you’re financially protected from sudden and severe losses.
Network Garages and Spare Parts
Ford’s wide service network across India ensures easy access to authorised garages and genuine spare parts. With our insurance, you get cashless repairs at trusted network garages, ensuring quality service, faster turnaround, and peace of mind every time your Figo needs attention.
Types of Ford Figo Car Insurance Plans
Comprehensive Car Insurance
This all-in-one plan offers complete protection for your Ford Figo. It covers third-party liabilities and own damages caused by accidents, theft, fire, or natural disasters. You can also enhance your coverage with add-ons like Engine Protect, Zero Depreciation, and more—making it the most recommended plan for all-round peace of mind.
Pay As You Drive Car Insurance
If you don’t drive your Ford Figo regularly, this usage-based plan is ideal. Premiums are calculated based on the number of kilometres you drive annually. You get the same coverage as a standard policy but at a lower cost. It’s perfect for low-mileage users, second-car owners, or those who use their car only on weekends.
Third Party Car Insurance
This is the most basic and legally required plan for all Ford Figo owners. It covers damages to third-party property, vehicles, or injuries caused to others in an accident. While it doesn’t cover your own car, it ensures legal compliance. We also offer a 3-year bundled third-party plan for new car buyers for added convenience.
Own Damage Car Insurance
This standalone policy is for Ford Figo owners who already have third-party insurance. It covers damages to your own car due to accidents, fire, theft, or natural disasters like floods and landslides. You can choose short-term or long-term plans, ranging from one month to a year, based on your driving needs.
Individual Travel Plan
IndusInd Thailand Travel Insurance provides all-around protection for your trip against a range of disruptions. Our individual travel plan offers comprehensive protection for one traveller, so it's a great addition to any solo trip to Thailand. Here are the key features and coverage limits of this plan that make it a standout choice.
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What is Covered?
Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.
Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.
Natural/Man-Made Disasters: Covers repair costs by floods, earthquakes, burglary, strikes, etc.
Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered
Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.
What is not Covered?
Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.
Law Violations: We cover all accidental damage to your {Page Name} except for ones that arise due to law violations.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, 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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Ford Figo Insurance Add-On Covers
Add-on covers are optional benefits that enhance your base Ford Figo insurance policy. They help personalise your premium, reduce out-of-pocket expenses, and offer protection tailored to your driving habits and lifestyle.
Nil Depreciation Cover
Money Saver
This add-on ensures you receive the full claim amount without any deduction for depreciation on replaced parts like plastic, rubber, or glass—ideal for new or well-maintained Figos.
Pay As You Drive Cover
Money Saver
Designed for low-mileage users, this cover calculates your premium based on the actual kilometres driven. It’s perfect for those who use their Ford Figo occasionally or own multiple vehicles.
Return to Invoice Cover
Money Saver
In case of total loss or theft, this add-on bridges the gap between the IDV and the original invoice value of your Ford Figo, ensuring you recover the full purchase price of your car.
Daily Allowance Benefit
Money Saver
If your Ford Figo is in the garage for extended repairs post-accident, this cover reimburses your daily travel expenses, helping you manage alternate transport costs with ease.
EMI Protection Cover
Money Saver
If your car is under repair for more than 21 days, this add-on helps by covering your monthly EMI payments, ensuring your finances stay on track even when your car is not.
Engine Protection Cover
Extra Car Protection
Protects your Ford Figo’s engine and gearbox from damage due to water ingress, oil leakage, or mechanical failure—especially useful during monsoons or in flood-prone areas.
Tyre Protection Cover
Extra Car Protection
Covers the cost of repairing or replacing tyres damaged due to road cuts, bursts, or bulges. It’s ideal for city drivers and those frequently navigating rough or uneven roads.
RIM Protection Cover
Extra Car Protection
Offers financial coverage for repairing or replacing damaged rims caused by potholes, curbs, or road debris—helping maintain your car’s performance and aesthetics.
Key Replacement Cover
Extra Car Protection
Covers the cost of replacing lost, stolen, or damaged keys and locks, including locksmith charges. A must-have for added convenience and peace of mind.
Consumables Cover
Extra Car Protection
Reimburses the cost of consumables like engine oil, brake fluid, nuts, bolts, and other materials used during repairs after an accident—items usually excluded from standard policies.
24x7 Roadside Assistance
Extra Car Protection
Provides emergency support across India, including towing, flat tyre change, fuel delivery, and breakdown assistance—ensuring help is always just a call away.
Loss of Personal Belongings
Extra Car Protection
Offers compensation for personal items stolen or damaged from your locked Ford Figo during an accident or break-in, adding an extra layer of protection for your valuables.
Electrical Accessories Cover
Extra Car Protection
Covers additional electrical fittings like music systems, reverse cameras, or infotainment units installed in your Ford Figo, protecting your tech upgrades.
Non-Electrical Accessories Cover
Extra Car Protection
Provides coverage for non-electrical accessories such as seat covers, roof racks, or custom fittings, ensuring your car’s enhancements are financially protected.
Emergency Hotel Stay Cover
Extra Car Protection
If your Ford Figo breaks down during a trip and repairs require an overnight stay, this add-on reimburses your hotel expenses, keeping your journey stress-free.
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Factors Affecting Ford Figo Car Insurance Premium
Your Ford Figo’s insurance premium is calculated based on several key parameters. Understanding these can help you make informed decisions, choose the right coverage, and even reduce your premium for better value.
Ford Figo’s IDV (Insured Declared Value)
The IDV is the current market value of your Ford Figo. A higher IDV means better coverage but also a higher premium. Choosing the right IDV ensures you’re neither underinsured nor overpaying.
Type of Coverage
Third-party insurance is mandatory and more affordable, while comprehensive plans offer wider protection. Opting for add-ons like engine or tyre protection increases the premium but enhances coverage.
Add-On Covers
Add-ons like 24x7 roadside assistance, return to invoice, or consumables cover offer extra protection. However, each selected add-on adds to your base premium, so choose based on your driving needs.
Car’s Make and Model
The variant, fuel type, and engine capacity of your Ford Figo influence the premium. Higher-end models with advanced features or larger engines usually attract higher insurance costs.
Claim History
If you haven’t made any claims in the previous policy year, you’re eligible for a No Claim Bonus (NCB), which reduces your premium. Frequent claims, however, can increase your renewal cost.
Installing Anti-Theft Devices
Equipping your Ford Figo with certified anti-theft devices can lower your premium. Insurers reward added security with discounts, as it reduces the risk of theft-related claims.
Ford Figo Key USPs
Covers & Features
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Cashless Claims
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. Now easily find any network garage near you using our widget below.
Step 3: Self Inspection
You can also opt for a self-inspection via the Self-i app by submitting photos or via a live video survey.
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 and drop off your car at your address.
Step 1: Initiate the Claim
To initiate a claim for total loss, damage 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
Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
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, we will transfer the claim amount directly to your bank account.
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Ford Figo - Models and Prices
Ford Figo is available in multiple variants, each known for its reliability, fuel efficiency and elegant design. Ford Figo continues to be a favourite among car buyers.
Ford Figo Models | Price (as of August 2024)# |
|---|---|
Ford Endeavour
| ₹33,81,600 |
Ford Figo
| ₹7,75,000 |
Ford Mustang
| ₹74,62,000 |
Ford Aspire
| ₹7,28,000 |
Ford Mondeo | Discontinued in India |
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
If you use your Ford Figo to commute to work, run daily errands, or take your family on weekend getaways, you already know the value of this versatile hatchback. While the Figo is built for smooth city drives and occasional highway trips, it’s still vulnerable to the unexpected. From minor dents to major accidents or even theft, anything can happen on the road.
That’s why it’s important to protect your Figo with a reliable car insurance plan. With IndusInd Ford Figo Insurance (formerly Reliance Ford Figo Insurance), you get coverage starting at just ₹238/month*, 24x7 support, and a seamless digital-first experience.
Our plans cover accidents, theft, and damage from natural disasters like floods, landslides, and earthquakes. You also get legal protection through our third-party liability cover.
Plus, with 11,000+ network garages*, you enjoy cashless repairs without paying upfront. Claims can be filed easily via the IndusInd Self-i app using our video claims feature.
Don’t wait—get your Ford Figo insured today and drive worry-free!
Reliance General Insurance
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Get Tailored Car Protection With Us!
Get all-around protection for your Ford Figo 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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