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Volkswagen Car Insurance

Home / Car Insurance / Volkswagen Car Insurance

Volkswagen is one of the largest car manufacturers in the world. The German automaker retails sedans and SUVs in the Indian market. Volkswagen cars are known for their quality, driving capabilities and performance. If you own a Volkswagen car, you also need a well-designed insurance plan to comply with the law and financial protection. Read ahead to learn about Volkswagen insurance prices, the benefits of online car insurance and coverage details.

Benefits of Buying Online Car Insurance for Volkswagen Cars
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Here are the reasons why you should consider buying online car insurance for Volkswagen cars.

Paperless Transaction
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When you buy or renew car insurance online, the entire procedure is paperless. You do not have to fill forms. The digital infrastructure lets you share a few details of the vehicle and previous policy to insure your vehicle instantly.

Compare Policies
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You can compare car insurance policies, services of insurers, and add-ons through the online method. You can learn about the features, terms and conditions, and benefits before you make the decision to buy a suitable insurance policy.

Easier Process
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Whether you want to buy or renew car insurance plans, the online process requires the least effort compared to the offline or traditional procedure. By entering the vehicle’s details and previous policy, you can insure your vehicle instantly and without any hassles.

Volkswagen Car Insurance Price
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In this section, let’s take a look at the Volkswagen insurance prices for different models. Please note that the prices are for brand-new models in Bangalore.



Insurance Premium (3 Years Third-Party and 1 Year Own Damage)

Zero Depreciation Insurance Premium

Volkswagen Taigun

Rs. 10, 831

Rs. 12,775

Rs. 16,215

Volkswagen Tiguan

Rs. 31.15 Lakhs

Rs. 42,585

Rs. 52,480

Volkswagen Virtus

Rs.10.65 lakhs

Rs. 12,677

Rs. 16,062

Types of Car Insurance Plans for Volkswagen Cars
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There are two main types of car insurance plans for Volkswagen cars. Following are more details regarding the same.

Third-party Car Insurance Plan
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For financial protection against third-party liabilities that include injury/death to the third party or damages to the third-party property, the TP Liability plan covers such liabilities. The Third-party Car insurance plan is also compulsory as per The Motor Vehicles Act, 1988; hence, you need to insure your Volkswagen car at least with this plan. However, it does not cover damages or losses to the insured vehicle.

Comprehensive Car Insurance Plan
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For financial protection against damages/losses to the insured vehicle such as an accident, man-made/natural disasters (strikes, floods, etc.), explosion/fire, or losses arising due to the theft of the vehicle or if the damages are beyond repair, this plan covers such liabilities. It also covers third-party liabilities, making it an ideal for Volkswagen cars. Additionally, you can include add-on covers to extend the plan’s coverage.

Add-ons for Volkswagen Car Insurance
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For well-balanced car insurance for VW vehicles, you can include add-on covers that provide coverage for specific liabilities. Following are the car insurance add-ons that you can consider buying along with the Comprehensive Volkswagen insurance plan.

What’s Covered

What’s Not Covered

What’s Covered in Volkswagen Car Insurance? (Inclusions)
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Here are the coverage details of the Comprehensive Car Insurance Plan for Volkswagen cars.

  • Theft of the insured car.

  • Accidental damages to the insured car.

  • Total loss (damages that are beyond repair).

  • Losses due to natural/man-made disasters (floods, strikes, etc.).

  • Losses due to explosion/fire.

  • Damages to third-party property.

  • Injury to the third party.

  • Death of the third party.

Please note it is mandatory to purchase the Personal Accident (PA) cover. You can buy the cover during the Volkswagen car insurance renewal or while buying the policy. Also, the PA cover has to be purchased separately as it does not come bundled either with the Third-party Plan or Comprehensive Plan.

What’s Not Covered in Volkswagen Car Insurance? (Exclusions)
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The Comprehensive Insurance Plan will not cover liabilities under the following situations.

  • Damage to the insured car when driving in an inebriated state

  • Damage to the insured vehicle when driving without valid documents (Driving License, Insurance Certificate, etc.)

  • Losses arising due to mechanical/electrical issues

  • Illegal racing or reckless driving

  • Losses/damages incurred outside the geographical limits

  • Losses or damages arising due to usual wear and tear

How is the Volkswagen Car Insurance Premium Calculated?
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The calculation of the Volkswagen car insurance premium involves several factors. ACKO uses proprietary algorithms to provide you with a correct estimate of the Volkswagen insurance rate based on your needs. Below are the major parameters involved in the calculation of Volkswagen car insurance premiums.

Volkswagen Car Model
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The model and variant of your Volkswagen car play a major role in the calculation of car insurance premiums. This is due to the fact that each model has different price tags (market value), and repair costs differ for different car models and variants of a brand.

Type of Policy
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The cost of vehicle insurance also depends widely on the type of policy you choose. The price and coverages change from policy to policy. For example, a Comprehensive Insurance Plan offers more coverage than a Third-party Insurance Plan. Hence, a Comprehensive Policy costs more than a Third-party Insurance Policy.

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The advantage of a Comprehensive Insurance Policy is that you can extend its coverage with add-ons. These add-ons may include Zero Depreciation Cover, Consumables Cover, Engine Protection Cover, etc. With each add-on cover, the premium of an insurance plan grows accordingly.

Insured Declared Value (IDV)
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The latest market value of a car is identified as the Insured Declared Value or IDV. This value defines the amount you can receive as claim settlement in case of theft or total loss of your Volkswagen car. Thus, vehicles with high IDV tend to increase the policy premium.

Personal Accident (PA) Cover
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It is mandatory by law for every vehicle owner to purchase the PA cover. The Personal Accident Cover doesn’t come included in an insurance plan. Hence, you must purchase it separately when buying Volkswagen car insurance. The role of the PA cover is to financially protect the policyholder against accidental injuries, permanent/temporary disability or death.

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You will get a discount on the premium if you have accrued NCB (No Claim Bonus) over the years. It is nothing but a discount offered by the insurer for making no claims during the previous policy period. You may also get a discount if you have installed anti-theft/security devices on your Volkswagen car.

Why Should You Choose ACKO for Volkswagen Car Insurance?
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Here are the reasons why you should consider buying car insurance from ACKO for Volkswagen cars.

Low-premium Insurance Plans
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ACKO does not have intermediaries; hence, all transactions are through a robust digital environment. With a direct-to-customer model and digital infrastructure, operational costs are lower, enabling ACKO to offer affordable car insurance plans.

Pickup and Drop Services
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ACKO offers pickup and drop services when you raise a claim for significant damages. Our claims team will pick up your car from your location, get it repaired at the garage of your choice, and drop it back (in select cities).

Faster Claims Process
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There is no physical paperwork involved when you raise your claim at ACKO. The entire process is online and hassle-free. File the claim via or the mobile app; our claims team will help you with the next steps.

How to Buy/Renew Volkswagen Car Insurance
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Here are the steps to buy or renew Volkswagen car insurance from ACKO.

Step 1: Visit the official website or mobile application of ACKO.

Step 2: Fill in essential information related to your Volkswagen car and previously bought policy (if applicable).

Step 3: Choose your plan, and add-ons and select a payment method for instant purchase or renewal.

How to File a Claim Under Volkswagen Car Insurance
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Here are the simple steps to file a car insurance claim at ACKO’s website or mobile app.

For damages such as a dent on the bumper, broken rearview mirror, etc., ACKO may settle the claim instantly via an on-account money transfer. You can then repair the damages at a garage of your choice.

Documents Required to File Volkswagen Car Insurance Claim
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Here’s the list of documents you need to have to raise a claim against your Volkswagen car insurance.

Frequently Asked Questions
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Following are the commonly asked questions about car insurance.



How much is the insurance for Volkswagen cars?

The Volkswagen insurance cost depends on several factors like the model you own, vehicle age, type of coverage, etc.

Which type of car insurance is suitable for Volkswagen cars?

For broader insurance coverage for Volkswagen cars, you can opt for the Comprehensive Car Insurance Policy, as it includes both Own Damage insurance and Third-party Liability Plan. You can also include add-ons to increase coverage of the primary plan.

How to buy ACKO car insurance for Volkswagen cars?

You can either download the ACKO mobile app or visit the website to share a few details about the car and previous policy (if available). Select from different car insurance plans, pay the premium online and receive the policy certificate at your registered email address.

What documents are required to insure Volkswagen cars from ACKO?

At ACKO, you don’t have to submit any documents to insure a VW car. It is entirely paperless and hassle-free.

Does ACKO provide car insurance for brand-new Volkswagen cars?

Yes, you can insure a brand-new VW car at ACKO. Share your contact information for a callback, and our team will create a custom quote for your brand-new vehicle.

Car Insurance Volkswagen Models
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