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:
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|
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.