Car Insurance for Volkswagen Polo

• Get third party cover at low premiums
• Choose from a variety of zero depreciation and roadside assistance covers
• 3100+ cashless garages

Volkswagen Polo is one of the most famous car models sold by Volkswagen. It is one of the most sought-after models in India and its design has always given the vehicle a very classy and elegant look. Not only the exterior, but the interior of the car is also brilliant in nature. The car comes with an adjustable driver seat and its steering wheels have multi-function buttons. With various other functions, coupled by its sturdy looks, Volkswagen Polo is one of the best models that a customer can purchase.

Types of insurance coverage that you can purchase for Volkswagen Polo

According to a mandate passed by the Government of India, any person driving a car on Indian roads must have a valid third-party liability insurance policy. However, there are two types of car insurance policies that you can purchase for yourself. One is third-party liability car insurance policy and the other is comprehensive car insurance policy.

Third-party liability car insurance cover: As mentioned earlier, as per the mandate passed by the Government of India, it is compulsory for a person driving a car on Indian roads to own a valid third-party liability car insurance cover. This type of policy provides cover to a third party in case it suffers an injury or damage to its property due to your involvement. The third party can receive compensation up to Rs.7.5 lakh.

Comprehensive car insurance cover: This type of policy provides you cover in case you meet with an accident or if your vehicle gets stolen, or damaged due to an accident. The compensation you will receive will depend on the level of loss or damage incurred by you or your vehicle.

Some of the insurance companies in India which provide car insurance

There are various insurance companies in India which provide car insurance. Some of the topmost and reputed car insurance companies in India are:

• Reliance Car Insurance
• Future Generali Car Insurance
• Universal Sompo Car Insurance
• IFFCO Tokio Car Insurance

Add-on covers: There are certain add-on covers which you can purchase on your existing car insurance policy. These add-on covers enhance your existing car insurance policy and provide extra protection to your vehicle. You must purchase add-on covers depending on your needs and other requirements. Some of the add-on covers that you can purchase for yourself are:

• Ambulance cover: In case of an accident, post which the victim is being driven to a hospital via an ambulance, this cover helps in covering the cost of transportation.
• Invoice price cover: When you make a claim you generally get the depreciation value of your car. However, if you have availed this cover, you will receive the invoice value of your vehicle along with road tax, insurance, registration fees, etc.
• Co-passenger cover: In a standard policy, the owner/driver of the car receives a cover of Rs.2 lakh as a personal accident cover in case the car is damaged. However, if there is a co-passenger who suffers an injury or dies due to an accident, then his/her family member will receive a cover of Rs.1 lakh.
• Zero depreciation cover: Under this type of cover, you can save on the cost of repaired or replaced parts of your vehicle such as the plastic, rubber, glass, fiber parts, etc.
• Key replacement: This type of add-on cover takes care of the expenses incurred by you in case you lose your car keys or it gets stolen. However, you can avail this cover only a couple of times in a policy year.
• No claim bonuses: If you have not filed for any claim, you will be able to enjoy certain discounts on your premium. The number of times you do not file a claim unless necessary will determine the discounts on your premiums.
• Consumable cover: It provides cover for the expenses incurred by you for the purchasing of consumable items such as nuts, bolts, oil, etc.
• Engine and gearbox cover: This type of add-on takes care of the cost incurred by you in case your vehicle breaks down due to any damage caused to the engine or any other internal part of your car.

Hence, Volkswagen Polo is a brilliant option if you are looking to purchase a car anytime soon. The car is a beauty to look at and is one of the supreme hatchback cars in the country. However, it is also important that you have a valid car insurance policy in your name. There are various reputed insurance companies in India which sell motor insurance policies. Based on your needs, you must decide on a plan which you feel is the most suitable for you.