German automaker Volkswagen holds a strong position in the Indian market with its range of premium cars. However, the brand's offerings do not end at four-wheelers - Volkswagen also offers attractive car insurance policies.
The carmaker partnered with Bajaj Allianz General Insurance Company to bring Indian car owners unique Volkswagen car insurance plans. If you own a Volkswagen car or plan to get one soon, exploring the brand's insurance options would be a smart move indeed.
A quick and detailed guide to Volkswagen car insurance
Getting car insurance coverage from the same brand as your four-wheeler is for sure a convenient solution. The Volkswagen car insurance is quite comprehensive, covering all necessary aspects and offering various add-ons.
What does Volkswagen car insurance cover?
Assuming you get a comprehensive car insurance policy from Volkswagen, you may file an insurance claim for the following.
Damages caused to the insured car in an accident
Losses due to a fire or explosion
Total loss of the insured vehicle due to irreparable damage
Theft of the insured car
Accidental damages caused to third-party property
Injury or death of a third party
Losses caused by disasters, both natural and man-made
As you can see, Volkswagen car insurance is just as inclusive as any other dedicated car insurance company.
What's not covered under Volkswagen car insurance?
While Volkswagen car insurance is pretty comprehensive, there are several exclusions. Losses and damages won't be covered if:
The driver takes part in illegal racing or reckless driving
Mechanical or electrical issues cause losses
The driver is in an inebriated state when the insured vehicle suffers damages
Losses or damages occur outside the geographical limits
Damage or losses are caused by regular wear and tear
You're driving without valid documents at the time your car gets damaged
The exclusions are reasonable enough, considering they would mostly apply if the driver is at fault or the damage or losses simply fall outside the scope of the insurance policy.
How to get your Volkswagen insured?
Buying a Volkswagen car insurance policy for your vehicle is pretty simple - you need not even head to a Volkswagen dealership or get in touch with the company. Here's what you need to do:
Step 1: Find the right platform to buy insurance online
No dearth of apps and websites allow you to buy car insurance online. Find a reliable app that's easy to use and offers Volkswagen car insurance. The app you choose must prioritize transparency, provide detailed information, and help you make an informed purchase.
Step 2: Find a suitable insurance policy
Your next step should be to explore the Volkswagen car insurance policies and choose the one that suits you the best. A comprehensive car insurance policy is generally the best option since it provides all the essential coverages. You'll also have to set your Insured Declared Value (IDV). This is the amount to be paid by the insurance company in case of a total loss or damage to the insured vehicle.
Step 3: Choose the add-ons you need
Volkswagen offers a number of optional add-ons with its car insurance to provide car owners with additional perks and bonuses. With the add-ons being voluntary, you get to choose only what you need. Carefully consider which add-ons are worth your money and which aren't, keeping in mind that more add-ons lead to a higher premium.
Step 4: Provide the necessary details
You'll be prompted to fill up a form with details on yourself and the vehicle you plan to insure. Remember to provide accurate information without hiding any details. Discrepancies may lead to legal complications, claim rejection, and policy cancellation.
Step 5: Buy your Volkswagen car insurance
Once you have selected your policy and add-ons, finalized the insurance policy and filled up the online forms, simply proceed and make the payment. You'll receive a soft copy of your insurance documents, and your Volkswagen will now be covered.
Calculating your Volkswagen car insurance premium
Before purchasing or renewing your Volkswagen car insurance, you'd want to check out its premium. This is pretty simple - find a vehicle insurance premium calculator tool online and provide it with the following details.
Your vehicle's Make, Model, Variant, and Fuel Type
The year of manufacture and RTO location of your vehicle
Any claims that you may have filed during the vehicle's previous policy term
Additional information, such as no-claim bonuses
The calculator should then give you a fairly accurate premium estimate, allowing you to proceed accordingly.
Conclusion
The exclusive benefits of Volkswagen's co-branded insurance and perks like OEM parts for accidental repair claims make it an attractive choice. Getting Volkswagen car insurance would be a good idea, especially considering you can buy and renew it online without hassle.
Not sure where to buy your Volkswagen car insurance? Try out the Park+ app, the perfect digital partner for car owners. The Park+ website offers detailed information on car insurance policies, allowing you to choose the best.