So you own an Audi Car? Hats off just to that!
Planning to renew the insurance of your good old Audi A3 or looking for the best car insurance for your brand new Audi A8L – you’ve landed in just the right place. Here’s a complete guide to car insurance for first time buyers.
Let’s dive into the car insurance basics for your Audi car.
- Understanding Audi Car Insurance
- Why You Should Insure Your Audi Car?
- Good-to-Have Insurance Add-ons for Audi Cars
- Things a Car Insurance Covers For Any Audi Car
- Things a Car Insurance Does Not Cover For Any Audi Car
- Questions you might ask about Audi Insurance
- Models Manufactured by Audi: Which One Do You Drive?
- News Related to Audi Car:
- Sportback 45 TFSI e 2021 Revealed by Audi
- Audi To Introduce The S5 Sportback In India
- Audi Launches Q2 SUV in India
- Audi Launches Q8 Celebration Edition in India
- Pune: New Audi Service Facility Inaugurated
- Audi Reveals R8 Green Hell
- Audi Has Revealed Q5 Sportback
- Audi Teases New Audi Q2 Ahead of Launch
- Audi’s Autonomous Drones To Simplify The Dispatch Process
- Audi Launches 2020 RS7 Sportback in India
Understanding Audi Car Insurance
Must-know Coverage for Your Audi Car
You can get following kinds of insurance policies for your Audi Car:
|Third-Party Car Insurance||Comprehensive Car Insurance|
|Only covers third-party injuries and damages, and not those to your own vehicle.||Gives third-party policy + coverage for losses and damages to your own car|
|Mandatory by Indian Motors Act.||It’s not mandatory to buy coverage for your own car’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Audi car?|
|Additional coverage like bumper-to-bumper cover, engine protector is NOT available.||Additional coverage, like engine protector, bumper-to-bumper cover, no-claim bonus protector cover are available, at a slightly extra premium cost.|
Why You Should Insure Your Audi Car?
Most Audi cars drive well on Indian roads and are priced to match affordability and mileage. With a suitable comprehensive car insurance, you can:
- Be sure that you’re rightfully compensated if your Audi car was stolen or damaged beyond repairs.
- Get coverage for a third-party if your car caused an accident and the third-party was injured or their property damaged.
- Get comprehensive coverage, in case damages were caused to your car [during an accident or because of natural calamities].
- Be sure that no traffic policeman heavily fines you for not having a car insurance policy. Strictly, say no to bribery!
Good-to-Have Insurance Add-ons for Audi Cars
Zero Depreciation Cover:
Irrespective of the model of Audi you have, depreciation is applicable on all kinds of metal, plastic, and fiber glass parts. In case of repairs / replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.
Return to Invoice Cover:
So that, if your car was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of the car. Instead, it would be as much as its invoice value. This is possible even in a case where your car was two years old, with a 20 percent lower current market value.
Engine Protector Cover:
A regular comprehensive car insurance policy does not cover the damages to your engine. With an engine protector cover you could claim for those damages too. Whether you own a high-end car like Audi R8r or Audi A8L or regular hatchback like Audi A3, it makes sense to buy this add-on. This add-on is also suitable for cars located in flooding prone areas.
No-claim Bonus Protector Cover:
If you are a good driver and have a tendency to claim less, you would certainly know about the no-claim bonus that you can earn for every claim free year. This bonus helps you in earning as much as 50 percent discount. However, a single claim can reduce the accumulated NCB to zero in the next year. The solution to safeguard that NCB in car insurance is to buy this add-on. High-end Audi cars have higher own-damage premium. So if you have accumulated enough NCB and don’t want to lose it for a claim, this is a good-to-have add-on.
This personal accident cover for passenger is a must-buy for any Audi car owner. A lower end model of Audi may not come with safety features like airbags or child safety locks. If you use your Audi car to drive your family on a daily basis, it makes sense to buy this add-on.
A lot of insurance companies offer specific add-on coverages at an additional premium cost. Depending on the model of Audi you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.
Things a Car Insurance Covers For Any Audi Car
- Personal accident coverage for owner-driver
- Accident-related damages to your car
- Damages caused during a natural calamity like flood or storm
- Loss because of fire, explosions
- Compensation for Stolen car
Things a Car Insurance Does Not Cover For Any Audi Car
- Wear and tear caused over the years [including flat tyres]
- Losses caused when the car was driven without a driving license
- Damages caused when the car was being driven under the influence of alcohol
- Driving outside the geographical limits
- If the car is used for anything beyond it’s legal purpose [racing, illegal activities, organized crime]
Questions you might ask about Audi Insurance
How can I renew my Audi Insurance online?
Your Audi Car Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.
- If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
- All you need to fill are your car details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via netbanking, wallet or credit/debit card.
- Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase insurance policy from a different insurer, as long as you are aware of the benefits and features being offered
The car insurance of my Audi A8L has already expired. Is vehicle inspection mandatory?
Yes. Inspection is mandatory if the insurance for your car has already expired. You need to schedule an inspection before purchasing the policy. Once the surveyor approves, you can purchase the plan immediately online.
Is an online insurance policy valid for car?
Of course it is valid. You get a valid car insurance policy by renewing the policy online. All you need to do is fill in your previous policy car details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.
How do I get no-claim bonus at the time of renewal?
If you have not claimed in the preceding year, then you can avail a No-Claim Bonus (NCB) at the time of your next renewal. Keep one thing in mind: your car insurance renewal has to happen before the previous policy expires. If your policy lapses, you lose your NCB.
At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.
|All vehicle Type NCB Grid||% of discount on own damage premium|
|No Claim in the last 1 year||20%|
|No Claim in the last 2 consecutive years||25%|
|No Claim in the last 3 consecutive years||35%|
|No Claim in the last 4 consecutive years||45%|
|No Claim in the last 5 consecutive years||50%|
How much more do I need to pay for comprehensive car insurance?
The premium for a simple third party only insurance is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your car. The overall premium for comprehensive insurance is slightly higher, but highly recommended if you are looking for complete coverage for your Audi car.
Models Manufactured by Audi: Which One Do You Drive?
|Brand Name||Variants||Engine CC||Mileage(kmpl)||BHP||Wt. (kgs)||Price Range(in Rs)|
|Audi A3||35 TFSI Premium Plus||1395||19.2||150||1295||3,050,000 to 3,300,000|
|Audi A3||35TDI Premium Plus||1968||20.38||143||1340||3,290,000 to 3,600,000|
|Audi A3||35 TFSI Technology||1395||19.2||150||1295||3,425,000 to 3,700,000|
|Audi A3||35TDI Technology||1968||20.38||143||1340||3,565,000 to 3,800,000|
|Audi A4||30 TFSI Premium Plus||1395||17.84||150||1450||3,810,000 to 4,100,000|
|Audi A4||35 TDI Premium Plus||1968||18.25||190||1595||4,020,000 to 4,400,000|
|Audi A4||30 TFSI Technology||1395||17.84||150||1450||1,395,000 to 1,500,000|
|Audi A4||35 TDI Technology||1968||18.25||190||1595||4,330,000 to 4,700,000|
|Audi A6||35 TFSI Matrix Edition||1798||15.26||187.74||1610||5,275,000 to 5,700,000|
|Audi A6||35 TFSI||1798||15.26||187.74||1610||4,810,000 to 5,200,000|
|Audi A6||35 TDI Matrix Edition||1968||18.53||187.74||1735||5,375,000 to 5,800,000|
|Audi S5||Sportback||2995||12.28||328.5||1820||6,620,000 to 7,100,000|
|Audi A8L||60 TFSI||3993||16.39||429.12||2050||14,600,000 to 15,700,000|
|Audi A8L||W 12 Quattro||6299||11.49||493.5||2150||19,800,000 to 21,200,000|
|Audi Q3||1.4 TFSI||1968||17.32||150||1520||3,220,000 to 3,500,000|
|Audi Q3||2.0 TDI||1968||17.32||150||1520||3,420,000 to 3,600,000|
|Audi Q3||2.0 TDI Quattro||1968||17.32||150||1520||3,720,000 to 4,000,000|
|Audi Q5||30 TDI Premium||1968||14.16||174.3||1830||4,144,000 to 4,500,000|
|Audi Q5||30 TDI Design Edition||1968||14.16||174.3||1830||5,154,000 to 5,500,000|
|Audi Q5||30 TDI Sport Edition||1968||14.16||174.3||1830||5,544,000 to 5,900,000|
|Audi Q7||Technology Pack||2967||14.75||245.41||2330||8,095,000 to 8,700,000|
|Audi Q7||Premium Plus||2967||14.75||245.41||2330||7,290,000 to 7,800,000|
|Audi RS6||Avant||3993||10.41||552.5||2025||13,500,000 to 14,500,000|
|Audi RS7||Sportback Performance||3993||13.3||597||1995||16,000,000 to 17,200,000|
|Audi RS7||Sportback||3993||13.3||597||1995||14,700,000 to 15,800,000|
|Audi TT||45 TFSI||1948||14.33||226.6||1410||6,345,000 to 6,800,000|
|Audi R8||V10 Plus||5204||7.75||601.4||1555||25,500,000 to 27,500,000|
Sportback 45 TFSI e 2021 Revealed by Audi
– December 09, 2020
Sportback 45 TFSI e will be a part of a lineup that consists of two other electric compacts, the A3 Sportback 40 TFSI e3 and A3 Sportback 45 TFSI e2. The engine of the A3 Sportback is capable of producing a power of 150 PS and a peak torque of 250 Nm. Whereas its electric counterpart the A3 Sportback 45 TFSI e2 creates 330 Nm of peak torque and 108 PS of power. It will be a front-wheel-drive with 6-speed S Tronic transmission. The car will have an electric range of 39 miles. As far as the battery is concerned, the car can be up and running within five hours on a household socket. One would need a maximum output of 2.9 kW to charge the 13-kWh battery. 17-inch wide wheels run the car whose single-frame grille is all sporty, glossy black for those lingering eyeballs. And lastly, DRLs focus on the “E” on the headlamp.
Audi To Introduce The S5 Sportback In India
– November 18, 2020
German automotive giant Audi is all set for a new launch in the Indian market. Yes, the company will launch the S5 Sportback sedan in the country, and the model has been listed on the website. This time around, the Audi S5 Sportback will be offered only with a petrol engine option. For starters, the S5 is based on the A5, and it is the performance-oriented sedan. The overall exterior and interior design of the S5 Sportback is similar to the new-gen A5. The distinct design elements of the S5 Sportback is the redesigned rear end, and also the increased length. The Audi S5 Sportback draws power from a 3-litre V6 internal combustion engine which produces 349Bhp of maximum power and 500Nm of peak torque. Audi will offer an 8-speed automatic gearbox and Quattro All-Wheel-Drive system as standard. The Audi S5 Sportback will be retailed as CBU (Completely Built Unit) in India and expect the pricing to be over Rs. 1 crore.
Audi Launches Q2 SUV in India
– October 16, 2020
German car manufacturer, Audi, launched the Q2 SUV in India. The company smallest and cheapest SUV, the new Q2 is priced at Rs. 34.99 lakh for the base variant while the top variant is priced at Rs. 48.89 lakh. The new Audi Q2 is available on two models and five trims. The two grades include the Exterior Line and the Design Line. As for the trims, it includes Standard, Premium, Premium Plus I and II, and Technology. The company has started accepting bookings for the new Q2. The new Audi Q2 is based on the company’s MQB platform and is the youngest in the ‘Q’ series of SUVs from the German brand. The SUV measures 1,794mm in width, 4,191mm in terms of length and 1,508mm in height. The company said that the SUV also comes with a 5-year Service Package with 2+3 Extended Warranty along with 2+3 Roadside Assistance cover. The new Q2 boasts of features such as the company’s signature Virtual Cockpit with 12.3-inch MMI Navigation system, dual-zone climate control, leatherette seats, 1n 8.3-inch display, LED headlights, ambient lighting, sunroof and a reverse camera. The Audi Q2 derives power from a 2.0-litre turbo petrol unit that is able to punch out a maximum power of 190PS and a peak torque of 320Nm and comes paired with a 7-speed automatic gearbox. Furthermore, the SUV gets the Quattro all-wheel-drive system. All this power helps the SUV to sprint to 100 km/h in 6.5 seconds.
Audi Launches Q8 Celebration Edition in India
– October 09, 2020
German luxury carmaker, Audi, has launched the Audi Q8 Celebration Edition in India. The new Q8 in the Celebration Edition is priced at Rs. 98.98 lakh. The model is the most affordable SUV in the Q8 range. Bookings have begun for the new Audi Q8. The vehicle draws power from a 3.0-litre engine that is able to extract a maximum power of 340hp and a peak torque of 500Nm. This propels the SUV to reach 100kmph in 5.9 seconds. The new Audi Q8 comes with features such as Audi virtual cockpit, HD Matrix LED headlights with dynamic lighting, Audi music interface, Button-less MMI navigation system with touch response, Audi smartphone interface, a panoramic sunroof, Audi phone box light, Audi pre-sense, Contour ambient lighting, 8 airbags, and Audi park assist. Additionally, it comes with adaptive suspension, matte black buttons on the steering wheel, 19-inch alloy wheels. The Audi Q8 competes with the likes of Porsche Cayenne, BMW X7, Mercedes-Benz GLS, Range Rover Velar, Range Rover Sport, among others. Head of the Indian subsidiary said that the company is happy to launch the vehicle ahead of the festive season and they are confident that the Celebration Edition will perform well in the Indian market.
Pune: New Audi Service Facility Inaugurated
– October 08, 2020
Car servicing is an integral aspect when it comes to the luxury car industry in India. If you reside in and around Pune and are looking to service your Audi, you have got a new destination for it. Audi has inaugurated a new service facility in Pune. This facility is located at Hinjewadi Phase-II. One of the startling features of this centre is that it brings three important aspects of a service centre under one roof. Here, the workshop, stockyard, and the body-shop are a part of a single facility. Some of the features of this facility include twelve and seven work bays for mechanical and body repair jobs, respectively. The facility also includes a paint booth and balancing bay. A wheel alignment bay is also a part of the service centre. The new facility can cater to thirty cars in one shift.
Audi Reveals R8 Green Hell
– October 1, 2020
German car manufacturer, Audi, has revealed a limited-edition Audi R8 Green Hell. The special edition was revealed to commemorate the supercar’s success in the Nürburgring 24 hours. The Audi R8 Green Hell is based on the R8 Performance Coupe and pays tribute the R8 LMS GT, which has won the Nurburgring 24 hours five times. The Audi R8 comes with a special dark green colour. Customers can choose from other options such as black, white or grey. The A-pillars, bonnet, roof and the rear are partly wrapped in matt black foil. On the doors, there is a transparent matt number just like the race cars. The matt black treatment is also visible on the front end, diffuser, sills, rear wing and mirror housing. The alloy wheels are of the same colour along with red highlights on the rim. The inside, the Audi R8 Green Hell comes with lightweight bucket seats, and blue-green stitching on the steering wheel, instrument display shield, armrest, among others. The Audi R8 Green Hell draws power from a 5.2-litre V10 engine that is able to push out a maximum power of 620hp and comes paired with a 7-speed automatic gearbox. It also gets Audi’s Quattro all-wheel-drive system. All this helps the Audi R8 to reach 100kmph in 3.1 seconds topping out at 331kmph. The Audi R8 competes with the likes of BMW M8, Lamborghini Huracan, Mercedes-AMG GT and the Nissan GTR in the market.
Audi Has Revealed Q5 Sportback
– September 28, 2020
The German manufacturer has revealed its Q5 Sportback car and the look has been creating an awe among enthusiasts. This is the third Audi car to get the Sportback version after e-tron and Q3. Aesthetically, the Q5 Sportback looks more appealing as compared to Q5, owing to its SUV-coupe style. The length of the Sportback version is a mere 7 millimeters more than Q5 and offers a slope on the roofline. This version gets a new bumper, silver trim, and reflector strips that are located under the lid of the boot, etc. The car comes with head lamps that have Matrix LED tech and it gets the same old OLED tail lamps from the Q5. These come with a customizable light setting to suit the mood of the person driving the car. It has a 10.1-inch touchscreen, Modular Infotainment Platform, swarm intelligence, and more features to enhance the safety and luxury quotient of the SUV. The Sportback will come with an option to choose from petrol and diesel engines as well. Audi Q5 Sportback will lock horns with Mercedes GLC and BMW X4
Audi Teases New Audi Q2 Ahead of Launch
– September 10, 2020
German car manufacturer Audi’s Indian subsidiary, Audi India, has teased the new Audi Q2 ahead of its launch. The company has shared a teaser video revealing certain details of the upcoming SUV. The new Q2 shares its underpinning with the Volkswagen T-Roc, which is based on the MQB platform. The new Audi Q2 features Audi’s signature large single-frame grille, blacked-out B-pillar, LED headlights, black body cladding, silver-coloured skid plates and contrast-coloured C-pillar. The SUV also comes with dual-tip exhausts, LED taillights, a shark-fin antenna and door-mounted ORVMs. Inside the Audi Q2, there is the company’s MMI navigation infotainment system, ambient lighting, sunroof, and wireless charging. Audi might offer the new Q2 with the 2.0-litre turbo-petrol engine that is able to produce a maximum power of 188bhp and a peak torque of 320Nm. The engine will be paired with a 7-speed dual-clutch automatic gearbox.
Audi’s Autonomous Drones To Simplify The Dispatch Process
– July 29, 2020
One of the largest car manufacturers in the world, Audi took to twitter to announce the use of specially created Drones. These drones are autonomous in nature which means these drones are capable of carrying out the said operation without someone controlling them individually. Audi’s Neckarsulm factory in Germany has a huge parking space. This has become an issue for locating and dispatching cars that are ready to be delivered to the customers. This is exactly where drones will be helpful. They will scan the space for cars that are ready to move out of the factory and provide an exact location of where a particular car is parked. This will be helpful in streamlining the process, tweeted the German Manufacturer. Currently, such drones are operational only at Audi’s Neckarsulm factory in Germany, however more factories of the Volkswagen Group’s are expected to have this facility in the near future.
Audi Launches 2020 RS7 Sportback in India
– July 16, 2020
The 2020 Audi RS7 Sportback has been launched in India with a price tag of Rs.1.94 lakh ex-showroom (across India). The second-generation Audi RS7 Sportback’s main highlight is the powerful engine under its hood. The Sportback draws power from a 4.0-litre twin-turbocharged V8 engine that is capable of producing a maximum power of a massive 600hp and a peak torque of 800Nm. The vehicle also features a 48-volt mild-hybrid system. While the maximum power has been reduced by 5hp compared to the previous generation, the torque figure has gone up by 50Nm. The engine comes mated to an 8-speed automatic gearbox. The vehicle also features the company’s quattro all-wheel-drive system. With the new unit, the 2020 Audi RS7 Sportback can reach 100kph in 3.6 seconds with a maximum speed electronically limited to 250kmph. Customers who opt for the Dynamic Package of the 2020 Audi RS7 Sportback, the vehicle can hit top speeds of 280kph, while with the Dynamic Plus, the top speed further pushes to 305kph. The Sportback from Audi features Matrix adaptive LED headlights, 21-inch alloy wheels, electronically operated spoiler, dual touchscreen infotainment system, paddle shifters, digital instrument cluster, etc. The Audi RS7 Sportback competes with the likes of the BMW M5 and the Mercedes-Benz AMG E63.