Audi Car Insurance
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Owning a premium luxury car is a matter of pride in India. Similarly, protecting your prized possession by insuring the car is equally important. Car Insurance not only protects your car but also makes sure that the vehicle complies with the rules and regulations. Audi is a premium brand, and buying car insurance for Audi cars is a no-brainer. Read on to know more about Audi Insurance.
Benefits of Buying Car Insurance for Audi Cars
Audi is a premium brand, and even minor damages to the car can leave you with a hefty repair bill. But if you opt for a good motor insurance policy, such damages are covered by the insurer. Also, car insurance is necessary to comply with legal requirements. Below are the benefits of buying car insurance for Audi cars:
1. Own Damage Cover
A Comprehensive Car Insurance Policy covers damage to your Audi car. The insurance plan comes with an Own Damage cover which provides coverage against damage to your car caused by fire, accident or man-made/natural disasters. So, you are financially covered if your car is damaged.
2. Third-Party Liability Cover
The Comprehensive and Third-Party Car Insurance Plan offers the mandatory Third-Party (TP) cover. The third-party cover provides coverage against damage to third-party vehicle/property or life. For instance, if you end up damaging another person’s vehicle in an accident, then such losses are covered by the insurance policy.
3. Theft or Total Loss Cover
If your Audi car is damaged beyond repair in an accident or stolen, such losses are also covered by the Comprehensive Car Insurance Policy. In such cases, you can file a claim and the insurer will pay you the IDV of your vehicle, provided you submit all the required documents during the claim process.
4. Add-on Cover
The Comprehensive Car Insurance Plan also gives you the flexibility of enhancing the coverage benefits via add-ons. You can purchase individual add-ons along with the insurance policy depending on the vehicle you own.
5. Personal Accident Cover
No matter which car insurance policy you choose, a PA (Personal Accident) add-on cover is mandatory as per the law. You can purchase the PA add-on cover separately along with the car insurance policy. The add-on covers disability/accidental death of the driver/owner.
What’s Covered in Audi Car Insurance? (Inclusions)
Audi Comprehensive Car Insurance Plan provides coverage against the following.
Loss/Damage to third-party property or life
Loss/Damage to the car due to an accident
Loss/Damage to the car due to fire or an explosion
Loss/Damage to the car due to man-dame disasters such as vandalism, etc
Total loss or theft of the insured vehicle
Loss/Damage to the vehicle due to natural calamities such as earthquakes, floods, cyclones, etc
Exclusions of Audi Car Insurance
Audi car insurance does not provide coverage against the following circumstances.
Loss/Damage to the car when driving without a driving license.
Loss/Damage to the car due to wear and tear
Loss/Damage to the car when driving under the influence of alcohol/intoxicating substances
Loss/Damage to the car due to mechanical or electrical failure
Loss/Damage to the car due to reckless driving/improper handling
Advantages of Buying ACKO Car Insurance Policy for your Audi Car
Below are the advantages of buying car insurance for your Audi car from ACKO.
Buy Insurance Online
You can buy car insurance online at ACKO, and there is no paperwork. You can buy car insurance in a simple and hassle-free way through ACKO’s website or smartphone app. Digital payment modes and zero paperwork will save you a lot of time while purchasing car insurance.
Quick and Hassle-Free Claim Settlements
Raising a car insurance claim at ACKO is as simple as it gets. Just log on to the website/app and file the claim online. You will receive instant claim settlements for minor damages. If the damages are major, the claims will be settled in a few days, depending on the condition of the damaged vehicle.
Expert Advice and Assistance
ACKO’s website provides all the information about car insurance plans. Car insurance experts at ACKO will assist you in choosing the right car insurance policy for your Audi car.
Best Car Insurance Plans
You can set the Insured Declared Value (IDV) as per your requirement and get the quotes for Audi car insurance. Simultaneously, ACKO will also suggest the ideal value for your car while buying/renewing car insurance. You can also compare car insurance plans and car insurance add-ons before purchasing the policy for your Audi car.
Insurance Plans for Audi Car
There are mainly two types of car insurance plans for Audi cars: Comprehensive Car Insurance Plan and Third-Party Car Insurance Plan. Below are the coverage details of both the car insurance plans.
Third-party Car Insurance Plan
A Third-Party Car Insurance Plan is mandatory for your car to comply with The Motor Vehicles Act,1988. The insurance plan provides coverage against loss/damage to third-party vehicle/property or life. Third-Party Insurance Policy is a basic plan, and it doesn’t come with the OD (Own Damage) cover. OD cover provides coverage against damage to your vehicle.
Comprehensive Car Insurance Plan
Buying a Comprehensive Plan is optional, but it provides extensive coverage, including Third-Party and Own Damage cover. The OD cover provides coverage if your car is damaged due to an accident, fire, or natural/man-made disaster. The policy also covers total loss or theft of the insured car. Apart from that, you can extend the coverage benefits of the Comprehensive Plan by purchasing add-on covers.
Add-ons for Audi Car Insurance Policy
A Comprehensive Car Insurance Policy allows you to expand the scope of coverage via add-ons. Below are the available add-ons for Audi car insurance.
No Claim Bonus Protection
Return to Invoice Cover
Personal Accident Cover for Passengers
Claim Procedure
Applying for a car insurance claim at ACKO is simple. There are different ways to file a claim depending on your requirement and the type of insurance plan. Below are the steps to raise the claim.
Step 1 - Visit the website www.ako.com or download the smartphone app
Step 2 - Login to your account with the registered mobile number and click "Claim Now" on your policy card.
Step 3 - Provide basic details such as the nature of the damage and upload the pictures of your damaged car.
A car insurance expert from ACKO will get in touch with you to process the claim settlement.
Car Insurance for Audi Car Models/Variants
Below are the car insurance plans for Audi car models.
Frequently Asked Questions
Below are some of the most commonly asked questions about Audi car insurance.
Common questions about Audi Car Insurance policy
Is online car insurance valid for Audi cars?
Yes. Online car insurance is valid for Audi cars. When you buy car insurance online, the insurer will provide you with a soft copy of the insurance certificate. Moreover, buying online car insurance is convenient as it saves you a lot of time. Also, you can compare car insurance plans offered by different insurers before purchasing insurance for your Audi car.
Can I renew my Audi car insurance online, and how much time it takes to renew car insurance online?
Yes. You can renew car insurance online, and it takes only a few minutes. Just log on to the insurer’s website (example: www.acko.com), and file the claim online.
Which documents do I need to submit while filing a car insurance claim?
ACKO customers can log on to the website/app and apply for the claim online without any paperwork.
What is the cost of Audi car insurance?
The cost of car insurance depends on various factors such as vehicle make/model, IDV, age/condition of the car, type of coverage, add-ons, deductibles, claim history, etc. In simple terms, the higher the value of the car, the higher the cost of insurance. Audi is a premium luxury car brand, so the car insurance premium will be on the higher side.
How can I avail NCB (No Claim Bonus) discount while renewing Audi car insurance?
If you have made zero claims during the previous policy period, the insurer will award you the NCB discount while renewing the car insurance policy. NCB will provide you with a certain percentage of discount on the insurance premium. You can avail a maximum discount of 50% if you have made zero claims for 5 consecutive years.
Which is the most affordable Audi car in India?
Audi Q2 is the most affordable Audi car in India. The Q2 is a 5-seater hatchback, and it is the entry-level offering from Audi in India.
Can I buy add-ons with the Third-Party Car Insurance Policy?
No. A Third-Party Comprehensive Car Insurance Policy does not give you the option to opt for add-ons. Because a Third-Party Policy does not come with an OD (Own Damage) cover. Only a Comprehensive Car Insurance Plan gives you the option to choose add-ons.
What happens if my Audi car insurance expires?
If the car insurance expires, your car is no longer covered by the policy. The insurer will not provide any coverage in case of damage to your car. If you fail to renew the car insurance policy within 90 days, you may also lose the NCB discount. Also, renewing expired car insurance might be expensive due to the increased premium.
Is vehicle inspection mandatory to renew expired Audi car insurance?
Yes, only if there is a major gap between insurance tenures. The vehicle may have suffered damages after the policy has expired. So, the insurer might inspect the car. It also depends on the insurance company and the period of the expiry of the car insurance policy.
Is it compulsory to buy add-ons for Audi car insurance?
A Comprehensive Car Insurance Plan allows you to buy add-ons, but it is not mandatory to opt for an add-on. However, you can consider buying add-ons for your Audi car as it provides additional coverage benefits.
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CIN: U66000KA2016PLC138288
IRDAI Registration No: 157
Category: Non-Life Insurance
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