Volkswagen Car Insurance

Volkswagen cars are admired for their premium German engineering, sleek design, and advanced safety features. Whether you’re cruising in a Virtus, exploring city streets in a Taigun, or enjoying the comfort of a Tiguan, your Volkswagen deserves the best protection.

Unexpected events like floods can damage your car’s engine, leading to costly repairs. With our comprehensive car insurance plan, you can opt for the Engine Protect add-on to cover such expenses, ensuring peace of mind during monsoon season.

Car insurance is also a legal requirement for all car owners in India. So your Volkswagen must be insured with at least a third-party car insurance plan.

Partner with IndusInd General Insurance (formerly Reliance General Insurance) to secure your policy online. Save your documents easily on the IndusInd Self-i app and keep your insurance papers handy at all times!

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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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Up to 3 Years Coverage*

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Why Do You Need Volkswagen Insurance?

Legal Mandate

All car owners in India must have at least third-party car insurance as per the Motor Vehicles Act. This means your Volkswagen—whether it’s a Virtus, Taigun, or Tiguan—needs valid insurance whenever it’s on the road. Driving without insurance can lead to fines of ₹2,000–₹4,000 and even up to 3 months of imprisonment. Having a policy ensures compliance and saves you from legal hassles.

Covers Costly Repairs

Volkswagen cars are known for their premium German engineering, but repairs can be expensive if something goes wrong. From accidental damage to minor dents and scratches, repair costs can quickly add up. With comprehensive Volkswagen car insurance, these expenses are covered, so you don’t have to worry about paying out of pocket for unexpected repairs.

Protection Against Theft

Volkswagen models like the Tiguan or Taigun are high-value vehicles, making them attractive targets for theft. Losing your car can be financially devastating, but with the right insurance plan, you’re protected. In case of total loss due to theft, your insurer reimburses the Insured Declared Value (IDV). Opt for the Return to Invoice add-on to recover the full invoice price of your car.

Safeguards Against Natural Disasters

Floods, earthquakes, and storms can cause severe damage to your Volkswagen, especially during monsoon season. Comprehensive car insurance ensures that repair costs for such natural calamities are covered. For added protection, consider the Engine Protect add-on, which covers water damage to your engine—a common issue during floods.

Financial Security

Your Volkswagen isn’t just a car; it’s a significant investment. Without insurance, an accident or natural disaster could lead to massive out-of-pocket expenses. A comprehensive policy acts as a financial shield, covering damages from accidents, fire, theft, and even riots. This way, you can drive confidently knowing your finances are secure.

Peace of Mind

Owning a Volkswagen is about enjoying a premium driving experience, not worrying about risks. With reliable car insurance, you can focus on the road while we handle the uncertainties. From legal compliance to coverage for repairs and disasters, our plans ensure complete peace of mind for you and your family.

Types of Volkswagen Car Insurance Plans

Comprehensive Car Insurance

A comprehensive Volkswagen car insurance plan offers complete protection for your vehicle and third-party liabilities. Whether it’s accidental damage to your Virtus or a collision involving another car, this plan covers repair costs for both. Plus, you can enhance coverage with 10+ add-ons like Engine Protect and Zero Depreciation for maximum security. It’s the most popular choice among Volkswagen owners for all-round peace of mind.

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Pay As You Drive Car Insurance

Ideal for Volkswagen owners who drive occasionally, this usage-based plan lets you pay premiums based on your annual mileage. Choose a limit between 2,500–10,500 km* and enjoy a 125 km grace buffer*. Unused kilometers can be carried forward, and you can top up anytime. Perfect for those working from home, owning multiple cars, or using public transport frequently. Drive less, pay less, and still stay protected.

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Third Party Car Insurance

This is the most affordable Volkswagen car insurance plan, designed to meet legal requirements under the Motor Vehicles Act. It covers damages to third-party property, vehicles, or injuries caused during an accident. For new Volkswagen owners, we offer a convenient 5-year policy option, so you pay once and enjoy uninterrupted coverage for years. Stay compliant and worry-free with this essential plan.

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Own Damage Car Insurance

Already have third-party coverage? Add this standalone plan to protect your Volkswagen against accidental damage, fire, theft, and natural disasters like floods or landslides. Flexible policy terms ranging from 1 month to 1 year* allow you to customize coverage as per your needs. It’s a smart way to safeguard your premium German engineering without overspending.

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Key Features of Volkwagen 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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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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Volkswagen Insurance Add-On Covers

Add-ons are the perfect way to enhance your Volkswagen insurance policy for extra protection and convenience. Whether you want to save on costs or safeguard against unexpected risks, these covers let you customize your plan to match your driving habits and lifestyle.

Nil Depreciation Cover

Money Saver

Get full reimbursement for replacing parts like plastic, rubber, and glass without any depreciation deduction. Ideal for new Volkswagen models where replacement panels and trims can be costly.

Pay-As-You-Drive

Money Saver

Pay premiums based on actual kilometers driven. Perfect for Volkswagen owners who drive occasionally or have multiple cars. Save money by paying only for what you use.

Return-to-Invoice Cover

Money Saver

In case of total loss due to theft or accident, this add-on reimburses the full invoice value of your Volkswagen, including registration fees, instead of the depreciated amount.

Engine Protection Cover

Extra Protection

Protects internal engine components like pistons and crankshaft from water damage or oil leakage. Essential for Volkswagen cars during monsoon or in flood-prone areas.

Tyre Protection Cover

Extra Protection

Covers repair or replacement costs for tyres damaged by cuts, bursts, or bulges caused by rough roads or potholes—ideal for frequent highway or city driving.

Key Replacement Cover

Extra Protection

Covers the cost of replacing lost, stolen, or damaged keys and locks, including advanced remote locking systems found in modern Volkswagen models.

Consumables Expenses Cover

Emergency

Includes consumables like nuts, bolts, oils, and lubricants during repairs after an accident. Ensures zero out-of-pocket expenses for essential items during claim settlement.

EMI Protection Cover

Emergency

If your Volkswagen is under repair for an extended period, this add-on helps cover your EMIs, reducing financial stress during unexpected downtime.

Loss of Personal Belongings

Emergency

Provides compensation for personal items lost or stolen from your Volkswagen during an accident or break-in, adding an extra layer of security.

Geo Extension Cover

Extra Protection

Extends your Volkswagen insurance coverage beyond India’s borders for international trips. Ideal for those who frequently travel across neighboring countries by road.

NCB Retention Cover

Money Saver

Retain your No Claim Bonus even after making a claim during the policy term. Helps you save on future premiums while enjoying continued benefits.

RIM Protection Cover

Extra Protection

Protects your Volkswagen’s alloy wheels and rims from damage caused by potholes, rough roads, or unexpected impacts, ensuring a smooth and stylish ride.

Total Cover

Extra Protection

Offers complete protection by combining multiple add-ons into one plan for maximum coverage. Ideal for Volkswagen owners seeking all-in-one security.

Daily Allowance Benefit

Emergency

Provides a daily cash allowance for transportation expenses while your Volkswagen is in the workshop for repairs after an accident.

Emergency Hotel Accommodation

Emergency

Covers hotel stay expenses if your Volkswagen breaks down or meets with an accident far from home, ensuring comfort during unexpected delays.

Electrical Accessories Cover

Extra Protection

Covers repair or replacement costs for electrical accessories like music systems or navigation units installed in your Volkswagen.

Non-Electrical Accessories Cover

Extra Protection

Provides coverage for non-electrical accessories such as seat covers, alloy wheels, and other custom fittings added to your Volkswagen.

How to Buy and Renew

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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 Volkswagen Car Insurance Premium

Your Volkswagen car insurance premium depends on several key factors that ensure you get the right coverage at the best price. Understanding these parameters can help you make informed decisions and even reduce your premium costs.

Volkswagen’s IDV

The Insured Declared Value (IDV) represents your Volkswagen’s current market value. A higher IDV means higher premiums but ensures better compensation during claims. You can adjust IDV while buying or renewing your policy.

Type of Coverage

Your choice between third-party and comprehensive coverage significantly impacts the premium. Adding extra covers like Engine Protection or Zero Depreciation will increase costs but provide superior protection.

Add-On Covers

Add-ons like Tyre Protection, Key Replacement, and Consumables enhance coverage but also raise your premium. The more add-ons you choose, the higher the cost—so pick what suits your driving needs best.

Car’s Make and Model

Premiums vary based on your Volkswagen’s model, fuel type, and engine capacity. High-end models or larger engines generally attract higher premiums due to increased repair and replacement costs.

Claim History

A clean claim record earns you a No Claim Bonus, reducing your premium. Frequent claims, however, can increase costs. Maintaining safe driving habits helps keep your premiums affordable.

Installing Anti-Theft Devices

Fitting IRDAI-approved anti-theft devices in your Volkswagen lowers theft risk and signals better security, which can help reduce your insurance premium significantly.

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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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Volkswagen - Models and Prices

Volkswagen offers a range of stylish and performance-driven models designed to suit every lifestyle. From the sleek Virtus sedan to the dynamic Taigun SUV and the premium Tiguan, each variant combines German engineering with advanced safety and comfort features. No matter which Volkswagen you choose, you’ll enjoy a driving experience that’s both reliable and exciting.

Volkswagen Car Models	Ex Showroom Price
Volkswagen Polo	₹6.16 - ₹10.11 lakh
Volkswagen Vento	₹10.10 - ₹15.55 lakh
Volkswagen Taigun	₹10.50 - ₹17.50 lakh
Volkswagen Tiguan	₹33.49 - ₹34.99 lakh
Volkswagen Touareg	₹68.99 lakh
Volkswagen ID.4	₹39.90 - ₹54.94 lakh
Volkswagen Jetta	₹17.92 - ₹22.12 lakh
Volkswagen Taos	₹16.50 - ₹19.99 lakh
Volkswagen Atlas	₹39.00 - ₹46.00 lakh
Volkswagen Golf	₹24.49 - ₹28.49 lakh

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Premium starting at	Premium starting at

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 drive your Volkswagen for daily commutes, weekend road trips, or family outings, you know it’s more than just a car. It’s a trusted companion. Built with German engineering and advanced safety features, Volkswagen delivers reliability and performance on every journey. But even the safest cars aren’t immune to unexpected events like accidents, harsh weather, or minor dents.

That’s why protecting your Volkswagen with the right car insurance is essential. With IndusInd Volkswagen Car Insurance (formerly Reliance Volkswagen Insurance), you get comprehensive coverage starting at just ₹238/month*, along with 24/7 assistance and a seamless digital experience.

Our plans cover accidents, fire damage, and natural disasters such as floods and earthquakes. Plus, you’re legally protected with third-party liability coverage, ensuring compliance and peace of mind.

Enjoy cashless repairs at any of our 11,000+ network garages*. We settle the bills directly, so you don’t have to worry. Claims are quick and hassle-free through the IndusInd Self-i app, using our convenient video claims feature. Secure your Volkswagen today with a personalized insurance plan that fits your 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.

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Get Tailored Car Protection With Us!

Get all-around protection for your Volkswagen 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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While it is great that your employer provides health insurance, it may not be sufficient. Employee health insurance may have limitations such as lower sum insured or coverage that may not be adequate for your needs. Also, an employer health insurance covers you only during your job tenure.

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Frequently Added Questions (FAQs)

Will claim reimbursement be made in foreign currency?

No, all reimbursements are processed in Indian Rupees, based on the exchange rate applicable on the date of the incident or billing.

What should I do in case of lost passport or baggage?

File a police complaint at the local station and obtain a report. Also, inform the airline (for baggage loss) and file a PIR. These reports are needed for claim processing.

How do I track the status of my claim?

Claim status can be tracked via the Reliance customer portal or by contacting the claims assistance helpline with your reference number.

How long does it take to settle a claim?

If all documents are in order, most claims are settled within 10 to 15 working days. Complex cases may take slightly longer.

What is the time limit to report a claim?

Claims should be reported within 24–48 hours of the incident. Delay in notification may impact claim approval unless a valid reason is provided.

What documents are needed for a reimbursement claim?

You must submit the filled claim form, original hospital bills, medical reports, passport copy with visa stamps, boarding pass, and any other relevant documents.

What is Senior Citizen Travel Insurance?

Senior Citizen Travel Insurance is a specially designed policy that provides financial protection to individuals above 61 years of age when travelling abroad. It offers coverage for medical emergencies, hospitalisation, baggage loss, trip delays, and more, ensuring peace of mind during international travel.

Who is eligible for this policy?

Any Indian citizen aged 61 years and above can purchase this policy. It is suitable for both solo senior travellers and those travelling with family members.

Why is travel insurance important for senior citizens?

With advancing age, the risk of medical complications increases. This policy ensures that senior travellers are protected from high medical costs abroad, and provides additional coverage for travel-related contingencies like missed flights or lost baggage.

Is any medical test required before policy issuance?

A medical test may be required for applicants above a certain age or with disclosed health conditions. In most cases, a tele-underwriting process is followed to assess eligibility.

Can a family member buy the policy on behalf of a senior citizen?

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.