Volkswagen Car Insurance
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Volkswagen is one of the largest car manufacturers in the world. In India, they retail hatchbacks, sedans, and SUVs. Volkswagen cars are known for their quality, driving capabilities and performance. For an upmarket brand such as Volkswagen, their cars also need a well-designed insurance plan. Read ahead to learn about Volkswagen insurance and the benefits of online car insurance.
Benefits of Online Car Insurance for Volkswagen Cars
Here are the reasons why you should consider buying online car insurance for Volkswagen vehicles.
Paperless Transaction
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
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
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.
Types of Car Insurance Plans for Volkswagen Cars
Here are the main types of car insurance plans for Volkswagen cars in India.
Third-party Liability Plan
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
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.
What’s Covered in Volkswagen Car Insurance (Inclusions)?
Here are the coverage details of the Comprehensive 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 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)?
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
Add-ons for Volkswagen Car Insurance
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 Volkswagen insurance.
Return to Invoice Cover
Key Replacement Cover
No Claim Bonus Protection Cover
Personal Accident Cover for Passengers
Outstations Emergency Cover
Consumables Cover
Why ACKO?
Here are the reasons why you should consider buying car insurance from ACKO for VW cars.
Low-premium Insurance Plans
ACKO does not have agents or middlemen; 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
ACKO offers pickup and drop services when you raise a claim for significant damages. Our claims team will pick your car from your location, get it repaired at a network garage and drop it back to you in 3 working days (in select cities).
Faster Claims Process
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 www.acko.com or mobile app; our claims team will help you with the next steps.
ACKO’s Claim Process
Here are the simple steps to file a car insurance claim at ACKO’s website or mobile app.
Step 1: Log in to your ACKO account with your credentials to access the account.
Step 2: Against your Volkswagen insurance policy, select ‘Claim Now’.
Step 3: Upload the picture of the damaged vehicle and the required documents, and our claims team will guide you with the next steps.
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.
Volkswagen car insurance claim documents
You can raise a claim request at ACKO without any physical forms or documents. You will only need a few essential soft copies of the following documents.
1. Volkswagen policy document
A soft copy of your Volkswagen policy document will be needed at the time of requesting a claim online.
2. Registration Certificate
You will need a soft copy of your Volkswagen vehicle’s Registration Certificate (RC) while raising a claim.
3. Driving Licence
A soft copy of your Driving Licence (DL) will also be required to raise a claim on Volkswagen car insurance.
4. First Information Report
When your claim request involves third-party liability or vehicle theft, you will need a soft copy of the First Information Report (FIR). This is why you must file a report of the incident at the local Police Station and obtain a copy of the FIR for an insurance claim request.
5. Repair receipt
Instead of claiming beforehand, you can request a reimbursement for any repair done on your insured vehicle. To go ahead with a reimbursement claim, you will need the repair payment receipts from the repair centre where you got your car repaired.
How is a Volkswagen car insurance premium calculated?
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 premium.
1. Volkswagen car model
The make, model and variant of your Volkswagen car play a major role in the calculation of car insurance premium. It is due to the fact that the repair costs differ for different car models and variants of a brand.
2. Type of policy
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.
3. Add-ons
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.
4. Insured Declared Value (IDV)
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.
5. Personal Accident (PA) Cover
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 offer financially protect the policyholder against accidental permanent/temporary disability or death.
6. Discount
There may be special occasions and festive seasons when you may receive discounts on policy premiums from ACKO.
7. Goods and Service Tax (GST)
Once the Volkswagen car insurance premium is calculated, a standard GST of 18% is applied.
Renewal process for Volkswagen car insurance
The process of renewing Volkswagen car insurance is instant and completely digital at ACKO. Below are the three simple steps you can follow to renew Volkswagen car insurance.
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.
Step 3: Choose your plan and select a payment method for instant renewal.
Frequently Asked Questions
Following are the commonly asked questions about car insurance.
FAQs
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 of 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.
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