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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 learn more about Audi Insurance.
Benefits of Buying Online Car Insurance for Audi Cars
Here are a few reasons to buy car insurance online for your Audi car.
Quick Process
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.
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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.
No Paperwork
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.
Audi Car Insurance Price
In this section, let’s take a look at the Audi insurance prices for different models. Please note that the prices are for brand-new models in Bangalore.
Model | IDV | Insurance Premium (3 Years Third-Party and 1 Year Own Damage) | Zero Depreciation Insurance Premium |
|---|---|---|---|
Audi A4 | Rs. 25.27 Lakhs | Rs. 47,529 | Rs. 60,141 |
Audi A5 | Rs. 57.57 Lakhs | Rs. 1,05,351 | Rs. 1,49,767 |
Audi A8 | Rs. 78.12 Lakhs | Rs. 1,34,167 | Rs. 1,94,431 |
Audi Q3 | Rs.24.89 Lakhs | Rs. 59,518 | Rs. 78,724 |
Audi Q5 | Rs. 33.37 Lakhs | Rs. 71,402 | Rs. 97,146 |
Types of Car Insurance Plans for Audi Cars
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 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 coverage. The OD cover provides coverage if your car is damaged due to an accident, fire or natural/man-made disaster. The policy also covers the 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.
A separate Personal Accident add-on cover is mandatory for a Third-Party or Comprehensive Car Insurance Plan. The PA cover is not a part of the car insurance policy. It's an add-on which covers accidental death/disability to the driver/owner. You can purchase the PA cover along with the car insurance policy at a nominal increase in the Audi insurance cost.
Add-ons for Audi Car Insurance
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.
What’s Covered
What’s Not Covered
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-made 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.
What’s Not Covered in Audi Car Insurance? (Exclusions)
Audi car insurance does not provide coverage against the following circumstances.
Loss/Damage to the car when driving without a driving licence.
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.
Any add-ons which are not purchased.
How is the Audi Car Insurance Premium Calculated?
Audi insurance premium is calculated using several factors. In this section let’s look at some of those crucial factors.
Audi Car Model
The make and model of the Audi car plays a crucial role in determining the insurance premium. A model with a higher price tag translates to higher IDV, repair costs and hence, the insurance premium costs will also be high.
Type of Plan
The insurance premium depends on the type of plan you choose. A third-party plan costs less than a comprehensive plan due to the type of coverage they offer.
Add-ons
The insurance premium varies depending on the add-ons you buy along with the comprehensive insurance plan. The more add-ons you choose, the higher the insurance premium.
Insured Declared Value (IDV)
The IDV refers to the current market value of the vehicle. The higher the IDV, the more the insurance premium.
Discount
Discounts like NCB (No Claim Bonus) can help reduce the insurance premium. Insurers also offer discounts for installing anti-theft devices in your vehicle.
Why Should You Choose ACKO for Audi Car Insurance?
Below are the advantages of buying car insurance for your Audi car from ACKO:
Buy Insurance Online
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.
Quick and Hassle-Free Claim Settlements
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.
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.
How to Buy/Renew Audi Car Insurance
Here are the steps to buy or renew Audi car insurance from ACKO.
Step 1: Visit the website or mobile application of ACKO.
Step 2: Fill in details related to your Audi car and previous policy (if applicable).
Step 3: Select the plan, and add-ons and select a payment method for instant purchase or renewal.
How to File a Claim Under Audi Car Insurance
Applying for a car insurance claim at ACKO is simple. There are different ways to file a claim depending on your requirements and the type of insurance plan. Below are the different types of car insurance claims along with 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.
Step 3 - Click the Claim button on your policy card.
Step 4 - Provide basic details such as the nature of the damage and upload the pictures of your damaged car.
Step 5 - A car insurance expert from ACKO will get in touch with you to process the claim settlement.
Documents Required to File Audi Car Insurance Claim
You must have the following documents handy to file a claim against Audi car insurance.
Policy Document
Vehicle Registration Certificate
Driving Licence
First Information Report (If Applicable)
Original Repair Receipts (If Applicable)
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
1. 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.
2. Can I renew my Audi car insurance online, and how much time it takes to renew my car insurance online?
Yes. You can renew your 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.
3. Which documents do I need to submit while filing a car insurance claim?
You need to submit the following documents to file a car insurance claim:
Duly filled claim form
Vehicle Registration Certificate
Driving Licence
Car Insurance Certificate
Copy of the FIR (If required)
However, ACKO customers can log on to the website/app and apply for the claim online without any paperwork.
4. How much is the Audi insurance cost?
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.
5. How can I avail NCB (No Claim Bonus) discount while renewing my 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.
6. Which is the most affordable Audi car in India?
The 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.
7. 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.
8. 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.
9. Is vehicle inspection mandatory to renew expired Audi car insurance?
Generally, while renewing an expired car insurance policy, the insurer will inspect the car. 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.
10. 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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