Audi A4 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*
Audi A4 Car Insurance
The Audi A4 is a premium sedan that blends elegance, cutting-edge technology, and refined performance. Whether you're gliding through city streets or cruising down expressways, the A4 delivers a driving experience that’s both luxurious and efficient. But even the most sophisticated vehicles need protection — and that’s where IndusInd car insurance steps in.
Take monsoon season, for example. Floods can cause serious engine damage, especially in high-end cars with sensitive electronic systems. With our comprehensive car insurance plan, you can opt for the Engine Protect add-on, which covers water-induced engine damage — saving you from costly repairs.
Car insurance isn’t just a smart choice — it’s a legal requirement for all car owners in India. So your Audi A4 must be insured with at least a third-party liability policy.
With IndusInd General Insurance (formerly Reliance General Insurance), you can buy your policy online in minutes and store it digitally using the IndusInd Self-i app. That means your insurance documents are always just a tap away — secure, accessible, and hassle-free.
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 Audi A4 insurance?
Legal Mandate
All car owners in India are legally required to have at least third-party car insurance coverage. This includes luxury sedans like the Audi A4. Driving without valid insurance can lead to fines between ₹2,000 to ₹4,000 and even up to 3 months of imprisonment.
Covers Expensive Repairs
The Audi A4 is engineered with premium components and advanced tech. In case of accidents or damage, repair costs can be significantly high. A comprehensive insurance plan helps cover these expenses, ensuring your luxury car stays in top shape.
Covers Car Theft
Luxury vehicles like the Audi A4 are often targeted for theft. With prices starting from ₹45 lakhs (ex-showroom), losing your car can be financially devastating. Insurance reimburses the Insured Declared Value (IDV) if your car is stolen.
Covers Natural Disasters
Floods, storms, and landslides are common during monsoons in India. Even high-end cars like the Audi A4 are vulnerable to water damage and other natural calamities. Insurance protects your vehicle from such unpredictable events.
Covers Fire and Fire-Related Damage
Fire incidents — whether due to electrical faults, lightning, or external sources — can severely damage your Audi A4. Insurance helps cover the cost of repairs or replacement due to fire-related damage.
Access to Premium Network Garages
Audi vehicles require specialized service and genuine parts. With IndusInd car insurance, you get access to a wide network of authorized garages that ensure quality repairs using original components — all covered under your policy.
Types of Audi A4 Car Insurance Plans
Comprehensive Car Insurance
A comprehensive policy offers dual protection for your Audi A4. It covers third-party liabilities and damage to your own vehicle. For instance, a collision could result in costly repairs for both your luxury sedan and the other party’s vehicle. This plan ensures both are covered. You also get access to 10+ add-ons like Engine Protect, Zero Depreciation, and Return to Invoice, allowing you to enhance your coverage based on your driving habits and lifestyle. It’s the most recommended plan for Audi A4 owners who want complete peace of mind.
Pay As You Drive Car Insurance
This usage-based plan is ideal for Audi A4 owners who drive occasionally. You pay premiums based on your annual mileage, choosing a 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 you exceed your limit. It’s perfect for those who work from home, own multiple vehicles, or rely on public transport. You get all the benefits of comprehensive coverage while saving on premiums. It’s a smart, flexible way to insure your luxury car without overpaying.
Third Party Car Insurance
This is the most affordable Audi A4 insurance plan and is legally mandatory under the Motor Vehicles Act. It covers damages to third-party vehicles, property, or bodily injuries caused during an accident. While it doesn’t protect your own car, it ensures compliance with Indian law. For new Audi A4 owners, we offer a 5-year third-party policy option, so you only pay once and enjoy uninterrupted coverage. It’s a simple, budget-friendly way to meet legal requirements and avoid penalties.
Own Damage Car Insurance
This standalone policy is designed for Audi A4 owners who already have third-party insurance. It covers your vehicle against accidents, collisions, fire, theft, and natural disasters like floods and landslides. You can choose between short-term* and long-term coverage options ranging from 1 month to 1 year*, giving you flexibility to tailor your protection. It’s a great way to safeguard your investment in a premium vehicle while staying in control of your insurance costs.
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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Audi A4 Insurance Add-On Covers
Zero Depreciation Cover
Money Saver
This add-on ensures you receive the full claim amount without deductions for depreciation on replaced parts. It’s especially useful for Audi A4 owners, as premium components like bumpers, headlights and body panels can be expensive. With this cover, you get maximum claim value and avoid out-of-pocket expenses during repairs.
Pay As You Drive
Money Saver
Ideal for Audi A4 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*, with a 125 km grace buffer*. Unused kilometers can be carried forward, and you only top up when needed. It’s perfect for those working from home or owning multiple vehicles.
Return to Invoice Cover
Money Saver
In case of total loss or theft, this add-on pays the original invoice value of your Audi A4, not just the depreciated IDV. It includes road tax and registration charges, ensuring you recover the full purchase cost. This is especially valuable for luxury cars that depreciate quickly.
Engine & Gearbox Protection Cover
Extra Car Protection
Protects your Audi A4’s advanced engine and transmission system from damage due to water ingression, oil leakage or mechanical breakdown. This cover is essential during monsoons or in flood-prone areas, where engine repairs can be extremely costly.
Tyre Protection Add-On Cover
Extra Car Protection
Covers repair or replacement of your Audi A4’s high-performance tyres due to cuts, bursts or accidental damage. It’s ideal for city driving and long highway trips, where potholes or sharp debris can cause unexpected tyre issues.
Key & Lock Replacement
Extra Car Protection
Reimburses the cost of replacing lost or stolen Audi A4 keys, including reprogramming and lockset replacement. Audi’s smart key systems are expensive, and this cover ensures you’re not burdened with high replacement costs
Consumable Expenses Add-On Cover
Extra Car Protection
Pays for consumables like engine oil, lubricants, coolants, nuts and bolts during repairs. These items are usually excluded from standard policies but can add up quickly, especially for premium vehicles like the Audi A4.
RIM Protection Add-On Cover
Extra Car Protection
Covers repair or replacement of your Audi A4’s alloy wheels due to accidental damage. Given the cost of premium rims, this add-on helps maintain your car’s aesthetics and performance without extra financial strain.
24/7 Roadside Assistance
Extra Car Protection
Provides round-the-clock support for breakdowns, flat tyres, battery issues or towing needs. Whether you're in the city or on a road trip, this add-on ensures help is just a call away, keeping your Audi A4 mobile and secure.
Loss of Personal Belongings
Extra Car Protection
Covers loss or damage to personal items inside your Audi A4, such as laptops, smartphones or other valuables. This add-on is ideal for professionals who carry expensive gear while commuting or travelling.
Daily Allowance Benefit
Convenience Booster
Provides a fixed daily amount for alternate transport while your Audi A4 is under repair. Whether you choose a cab or rental car, this cover ensures your routine isn’t disrupted due to unexpected breakdowns.
EMI Protection Cover
Financial Security
Covers your Audi A4’s loan EMIs during extended repair periods caused by accidents or disasters. This add-on ensures financial stability and peace of mind, especially if your car is out of service for weeks.
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Factors Affecting Audi A4 Car Insurance Premium
Audi A4’s IDV
IDV is your Audi A4’s current market value. A higher IDV means a higher premium but also better claim payouts. You can select your IDV while buying or renewing your policy.
Type of Coverage
Choosing between third-party and comprehensive plans affects your premium. Add-ons increase the cost but offer enhanced protection for your luxury sedan.
Add-On Covers
Add-ons like zero depreciation, tyre and rim protection, and key replacement increase your premium. The more add-ons you choose, the higher your overall insurance cost.
Car’s Make and Model
The Audi A4’s variant, fuel type and engine capacity influence your premium. Higher engine specs or luxury trims typically attract higher insurance costs.
Claim History
A clean claim history can earn you a No Claim Bonus and reduce your premium. Frequent claims, however, may lead to increased insurance costs.
Installing Anti-Theft Devices
Equipping your Audi A4 with certified anti-theft devices can reduce your premium. It lowers the risk of theft and shows insurers you’re taking extra precautions.
Audi A4 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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Audi A4 - Models and Prices
Audi A4 is available in multiple variants, each known for its reliability, fuel efficiency and elegant design. Audi A4 continues to be a favourite among car buyers.
Audi A4 Models | Price (as of August 2025)# |
|---|---|
A4 Premium Plus 40 Petrol | ₹43,85,000 |
A4 Technology 40
| ₹48,57,000 |
A4 Premium 35 Diesel | ₹45,50,000 |
A4 Premium Plus 35
| ₹48,75,000 |
A4 Technology 35
| ₹52,20,000 |
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 drive an Audi A4 for daily commutes, weekend getaways or business travel, you already enjoy its luxury, performance and safety. But even premium sedans like the A4 are vulnerable to unexpected events — from minor accidents and tyre blowouts to major incidents like floods or fire.
That’s why it’s important to protect your Audi A4 with a comprehensive car insurance plan. With IndusInd Audi Insurance (formerly Reliance Audi Insurance), you get wide-ranging coverage starting at just ₹238/month*, plus 24/7 support and a seamless digital-first experience.
We cover accidents, fire, theft, and natural disasters like floods and earthquakes. You also get legal protection through third-party liability cover.
Repairs at any of our 11,000+ network garages* are cashless, and claims can be filed easily via the IndusInd Self-i app with video claim support.
Don’t wait—secure your Audi A4 today with a plan tailored to your needs.
Reliance General Insurance
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IndusInd General Insurance
Get Tailored Car Protection With Us!
Get all-around protection for your Audi A4 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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