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Motor Insurance

Volkswagen Polo Car Insurance

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Get Up To 85% Off*

Road trips, commutes, or quick errands—protection that follows you everywhere

Coverage Highlights

Get comprehensive coverage for your car
  • Premium

Starting from INR 2094*

  • Cashless Garages

7,200+ network garages for hassle free services

  • Own Damage Cover

Covers damage to your car due to accidents, fire, theft and natural calamities

  • Third Party Liability

Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage

  • Personal Accident Cover

Starting from INR 15 Lacs

  • No Claim Bonus

Up to 50%

  • Optional Covers

Wide range of Add Ons

  • On The Spot Claim Settlement

You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App

  • 24x7 Spot Assistance

Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down

Inclusions

What’s covered?
  • Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.

  • Third Party Liability for Property Damage (up to INR 7.5 lacs)

If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit

  • Accidents

Damages and losses that arise out of accidents and collisions

  • Natural or Man-Made Disasters

Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism

  • Fire Damage

Damages and losses if your car catches fire or explodes

  • Theft

Financial losses when your car is stolen

  • In Transit Damage

If your car is damaged while being transported, this covers the repair costs

  • Personal Accident

Coverage if your car accident results in death or disability of car owner

  • Add-On Covers

Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage

Exclusions

What’s not covered?
  • Intentional Damage

Any damage caused to the car intentionally

  • Depreciation

Normal wear and tear of the car due to usage and depreciation in value is not covered

  • Mechanical or Electrical Breakdown

If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered

  • Illegal Activities

Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity

  • Geographic Limits

Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.

  • War-related Damages

Losses caused by war or nuclear risks are not covered

  • Overloading the Vehicle

If you exceed the weight or passenger limit specified for your car, leading to an accident.

  • Unauthorised Vehicle Modifications

If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

  • Racing or Speed Tests

If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied

  • Note

Please read policy wording for detailed exclusions

Additional Covers

What else can you get?
  • 24x7 Road Side Assistance

Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

  • Consumable Expenses

Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

  • Zero Depreciation Cover

Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands

  • Pay As You Consume

If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium

  • No Claim Bonus Protector

Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium

  • Tyre Safeguard

This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle

  • Conveyance Benefit

If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

  • Engine Protector

Covers financial losses incurred due to damage to your car engine

  • Return to Invoice (RTI) Cover

Recover invoice value of your car back in case of theft or total loss

Protect Your Volkswagen Polo with the Right Insurance Policy

Owning a Volkswagen Polo comes with the responsibility of securing your vehicle with an appropriate insurance policy. Protecting your car from potential damages caused by accidents, natural calamities, or theft is crucial for your peace of mind. Car insurance for Volkswagen Polo ensures that you're not only compliant with the legal requirements but also protected against financial losses due to unforeseen circumstances.

By choosing the right insurance on Volkswagen Polo, you can customise your coverage to fit your needs. Also, with one of the best claim settlement ratios in the market, you can rest assured that Bajaj Allianz General Insurance Company will stand by you when you need it the most.

Benefits You Deserve

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Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs

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7200+ Cashless garages

Wide network of cashless garages for hassle free service

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On the Spot Claim Settlement

Register claim on accident spot and get it settled within minute on our app

Benefits of Buying Volkswagen Polo Car Insurance

Some of the benefits of securing a VW Polo insurance price include:

Financial Protection: Covers expenses related to repairs or replacement of your vehicle in case of damage or theft.

Third-Party Liability: You won’t have to worry about compensating third parties involved in an accident.

Legal Compliance: Having a valid Polo insurance price policy ensures you meet legal requirements and avoid penalties.

Peace of Mind: Knowing that you're covered in case of any unfortunate event is invaluable.

Features of Buying Volkswagen Polo Car Insurance

Purchasing VW Polo insurance comes with several key features:

Cashless Claim Settlement: You can avail of a cashless repair service at network garages.

24/7 Roadside Assistance: Get assistance for emergencies like breakdowns or flat tyres.

Zero Depreciation Cover: This add-on allows you to claim the full value of parts replaced due to damage.

Personal Accident Cover: Protects the owner-driver with financial compensation in case of accidental injury, disability, or death.

Customisable Add-ons: You can enhance your Polo car insurance with add-ons like engine protection, roadside assistance, and consumables coverage.

Types of Car Insurance Plans for Volkswagen Polo

When it comes to Volkswagen Polo insurance, you typically have two options:

Third-Party Car Insurance

This is the most basic and mandatory type of insurance that covers damages caused to third-party individuals or property.

Comprehensive Car Insurance

This plan offers extensive coverage, including third-party liabilities and damage to your own vehicle due to accidents, natural disasters, or theft. It is recommended to opt for comprehensive insurance on Volkswagen Polo for better protection.

Volkswagen Polo Variants with Insurance Premium Price

The Volkswagen Polo is available in various variants, and the Polo car insurance price differs based on the model, engine capacity, and specifications. For instance, the insurance premium for the 1.0 MPI Trendline will vary from that of higher-end variants like the 1.0 MPI Comfortline. The VW Polo insurance cost is influenced by factors such as the car's age, condition, and any additional add-ons you opt for, such as comprehensive coverage or specific protections.

Calculate Your Volkswagen Polo Insurance Price

Calculating your Volkswagen Polo insurance price is simple. You can use an online calculator by entering details like your car’s registration number, model, and variant. The Polo insurance cost is influenced by factors such as age, location, and add-ons you select. Always compare prices to ensure you're getting the best deal.

At-A-Glance

Compare Insurance Plans Made for You

Feature
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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Cover

Comprehensive Cover with Add-ons

Overview Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. Covers expenses arising out of damage to your car. Full fedged cover comprising of Third Party Liability cover and Own Damage covers Enhance coverage by opting for various Add-ons over and above the comprehensive cover
Policy Period 1 or 3 years 1 Year 1 and 3 years 1 and 3 years
Third Party Liability for Injury, Death & Property Damage Yes No Yes Yes
Accidents & Collisions No Yes Yes Yes
Natural or Man-Made Disasters No Yes Yes Yes
Fire Damage No Yes Yes Yes
Theft No Yes Yes Yes
Compulsory Personal Accident Yes Yes Yes Yes
Add-on: No Claim Bonus No No No Yes
Add-on: Zero Depreciation Cover No No No Yes
Add-on: Lock & Key Replacement No No No Yes
Add-on: 24x7 Roadside Assistance No No No Yes
Add-on: Consumables Cover No No No Yes
Explore more add-ons No Up to 27 Add Ons Up to 27 Add Ons Up to 27 Add Ons

How to Choose the Right Volkswagen Polo Car Insurance

Choosing the right car insurance, such as the VW Polo, involves considering your coverage needs and budget. Here are some factors to keep in mind:

Assess Your Driving Habits

If you drive frequently, a comprehensive policy with add-ons like roadside assistance and zero depreciation cover will be beneficial.

Check for Discounts 

You may get discounts on premiums if you have anti-theft devices installed or haven't made any claims in the previous years.

Evaluate Add-ons 

Add-ons can be a game changer when it comes to securing your vehicle fully. Consider adding options like engine protection, return-to-invoice cover, and consumables cover to your insurance on Volkswagen Polo.

Download Policy Document

Get instant access to your policy details with a single click.

Why Choose Bajaj Allianz for Volkswagen Polo Car Insurance

Bajaj Allianz General Insurance Company offers reliable and efficient car insurance for Volkswagen Polo, with features like:

High Claim Settlement Ratio: Ensures that your claims are settled quickly and without hassle.

Extensive Network: Access to thousands of cashless garages across India.

Flexible Plans: Choose from a range of customisable plans that meet your coverage needs.

24/7 Customer Support: Dedicated support to assist you with claims and renewals at any time.

Bajaj Allianz General Insurance Company has a reputation for offering robust policies that meet the needs of modern-day drivers, making Bajaj Allianz General Insurance Company a trusted choice for securing your Volkswagen Polo insurance.

Importance of Buying Car Insurance for Volkswagen Polo Model

Having car insurance for Volkswagen Polo is not only a legal requirement but also a smart financial decision. In the event of an accident or damage, the cost of repairs can be substantial. Insurance on VW Polo provides coverage for third-party liabilities as well as own damage, offering comprehensive protection. Whether it's a minor fender bender or a major collision, your Polo car insurance will ensure that you are financially protected against such events.

Expand Your Coverage Today!

Named Driver Cover

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Exclusive Savings: Special discounts for named drivers.

Extended Coverage: Protects any car driven by you.

At Best Price

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24x7 Spot Assistance

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Immediate Help: Round-the-clock roadside assistance.

Towing, fuel delivery, tyre repair and many more.

At Best Price

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Eco Repairs

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Sustainable Solutions: Repairs using refurbished parts.

Cost-effective repairs with no depreciation on parts.

At Best Price

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Ultimate car protection with the option of 22 covers

Towing, pick up and drop, fuel service, flat tyre and more.

At Best Price

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Pay As You Consume

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Smart Savings: Pay less based on miles driven

Carry forward unconsumed kilometers to the next plan.

At Best Price

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Motor & Health Companion

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Experience seamless vehicle management with the Bajaj Allianz Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more

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Be proactive about your health–set goals, track progress, and get discounts!

Step-by-Step Guide

To help you navigate your insurance journey

How To Buy

  • 0

    Download the Caringly Yours app from App stores or click "Get Quote"

  • 1

    Register or log in to your account.

  • 2

    Enter your car details

  • 3

    You will be redirected to the Car Insurance Page.

  • 4

    Ensure to check your No Claim Discount

  • 5

    Choose right Insured Declared Value (IDV) that reflects your car value

  • 6

    Evaluate Covers, Add Ons, Optional Covers and Exclusions

  • 7

    Select a plan from the recommended options, or customize your own plan

  • 8

    Review the premium and other coverage details

  • 9

    Proceed with the payment using your preferred method

  • 10

    Receive confirmation of your purchased policy via email and SMS

How To Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Download our Caringly Yours App on Android or iOS

  • 1

    Register or login to use Motor On the spot claim for a smooth process

  • 2

    Enter your policy and accident details (location, date, time)

  • 3

    Save and click Register to file your claim

  • 4

    Receive an SMS with your claim registration number

  • 5

    Fill in the digital claim form and submit NEFT details

  • 6

    Upload photos of damaged parts as instructed

  • 7

    Upload your RC and driving license

  • 8

    Receive an SMS with the proposed claim amount

  • 9

    Use the SMS link to agree/disagree with the claim amount

  • 10

    Agree to receive the amount in your bank account

  • 11

    Track your claim status using the Insurance Wallet App

Know More

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    For any further queries, please reach out to us

  • 1

    Phone +91 020 66026666

  • 2

    Fax +91 020 66026667

Reasons to Choose Volkswagen Polo Insurance

Opting for insurance on VW Polo offers multiple advantages:

Legal Protection: Ensures compliance with mandatory third-party liability coverage.

Comprehensive Coverage: Safeguard your car from various risks, including accidents, theft, and natural disasters.

Affordable Plans: Competitive pricing for Polo insurance costs and customisable plans to suit individual needs.

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What Our Customers Say

Prompt Assistance

Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.

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Vikram Singh

Delhi

4.6

21st May 2021

Claim Support

Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.

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Deepak Bhanushali

Mumbai

4.5

18th May 2021

Quick Assistance

Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!

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Naveen Tyagi

Delhi

5.0

1st May 2021

Claim Support

I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz. 

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Pramod Chand Lakra

Jaipur

5.0

27th Jul 2020

Reliable Service

The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.

SibaPrasadMohanty

Siba Prasad Mohanty

Pune

5.0

26th Jul 2020

Diverse Options

A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well. 

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Rahul

Lucknow

5.0

26th Jul 2020

FAQ's

What factors affect the insurance premium for a Volkswagen Polo?

The Polo insurance cost is affected by factors such as car model, age, location, and selected add-ons.

Does Volkswagen Polo car insurance cover damages from natural disasters?

Yes, comprehensive Volkswagen Polo insurance covers natural disasters like floods, earthquakes, and more.

Is third-party insurance sufficient for a Volkswagen Polo?

Third-party insurance covers only third-party liabilities, so it's recommended to opt for comprehensive insurance on Volkswagen Polo for complete coverage.

Does Volkswagen Polo car insurance include personal accident cover?

Yes, most car insurance VW Polo policies include a personal accident cover for the owner-driver.

Can I transfer my existing no-claims bonus to a new Volkswagen Polo insurance policy?

Yes, the no-claims bonus can be transferred to your new VW Polo insurance policy if you switch insurers.

Are there any specific add-ons recommended for Volkswagen Polo car insurance?

Add-ons like zero depreciation, engine protection, and roadside assistance are highly recommended for insurance on VW Polo.

Does car insurance for Volkswagen Polo cover theft and vandalism?

Yes, comprehensive Polo car insurance covers theft and vandalism.

What are the best insurance companies for Volkswagen Polo car insurance?

Some of the top insurers offering Volkswagen Polo insurance include Bajaj Allianz General Insurance Company.

How can I lower my Volkswagen Polo insurance premium?

You can lower your Polo insurance cost by installing anti-theft devices, increasing voluntary excess, or maintaining a no-claims bonus.

What should I do if my Volkswagen Polo insurance claim is denied?

If your VW Polo insurance claim is denied, you should review the reason provided, and if you believe it’s unjustified, you can appeal or approach the ombudsman.

How do I check the status of my Volkswagen Polo insurance policy?

You can check your Polo car insurance status by logging into the Bajaj Allianz General Insurance Company website or contacting customer support.

Can I transfer my existing motor insurance policy to the new owner?

Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.

What risks are covered under an insurance policy for a vehicle?

The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.

Why should I buy comprehensive vehicle insurance policy?

Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.

What is a Third-Party Liability Cover?

Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.

Differenciate Third-Party Liability and Comprehensive Motor Insurance?

"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"

Will my no claims bonus be transferred if I renew my motor insurance?

You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.

What is premium reduction process if no claim aquired previously?

Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.

What should be my first action to initiate a claim?

Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

How do I register my claim?

Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.

What is a "deductible" or "compulsory excess" in motor insurance?

It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.

Why does my vehicle insurance premium change during renewal?

Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.

How 'no claim bonus' is calculated at the time of renewal?

No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.

What is break-in insurance? What should I do in case of break-in?

The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.

When is vehicle inspection mandatory in motor insurance?

Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.

Can I change my motor insurance provider at renewal?

Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.

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