Audi Car Insurance

Driving an Audi is not just about getting from one place to another; it is about experiencing luxury, style and performance. Protecting such a high-value vehicle with comprehensive Audi car insurance is essential.

Reliance General Insurance offers tailored Audi insurance plans specifically designed for Audi owners with extensive coverage options. We offer cost-effective plans with top-notch services like cashless claims, 24/7 assistance and superior protection against various perils.

So, whether you are planning to cruise through cities or go on long drives, our specialised Audi insurance policy will provide maximum financial security and peace of mind.  

Here is a comprehensive guide to buying the best car insurance for Audi from Reliance General Insurance.

How to Buy Audi Car Insurance - Online & Offline

Audi Online Insurance Purchase Process

1. Visit the official Reliance General Insurance website.
2. For a seamless buying experience, navigate to the "Car Insurance" section from the product menu or use the Reliance Self-i app.
3. Enter es​sential details like your Audi’s registration number, mobile number, email address and model.
4. Receive an instant quote tailored to your input, including IDV, tax breakdowns and plan features. You can adjust coverage options and compare prices for a plan that best suits your needs.
5. Confirm your selection and proceed to payment using your preferred method. The Audi insurance company, i.e., Reliance General Insurance, will email your policy document instantly.

Audi Car Insurance Offline Buying Process

Visit the nearest Reliance General Insurance branch to purchase the best insurance for Audi cars in person. Bring your vehicle’s registration certificate and your driver’s licence (original and photocopy). Fill out the application form, select your plan and make the payment to complete the purchase.

Audi Car Insurance Policy Renewal Process

1. Go to the official Reliance General Insurance website ​and click on the “Renewal” tab. Select “Renew Car Insurance” to begin your Audi insurance renewal process.
2. Provide the policy number and details of your Audi car.
3. Review your current coverage and make adjustments, such as adding or removing coverage, based on your updated requirements.
4. Check the updated premium quote and applicable discounts, like the No Claim Bonus (NCB).
5. Complete the payment for instant Audi car insurance renewal. A copy of the updated policy document will be sent to your registered email address for your convenience.

How to Buy Second-Hand Audi Car Insurance?

Owning a pre-owned Audi offers luxury at a reduced price, but it also demands the right insurance to protect your investment. Securing insurance for a second-hand Audi is as essential as ensuring safety, compliance, and peace of mind for a new one.

Here is how to get started:

• Car Inspection: A thorough vehicle inspection evaluates its condition and engine performance. Post-inspection, the insurer determines insurability and provides coverage options.
• Essential Documentation: Prepare necessary documents, such as signed forms 29 and 30, proof of RC transfer, identification proof, and any additional paperwork requested.
• Hassle-Free Online Process: Visit our car insurance page, input your details, choose a policy tailored to your Audi’s needs, upload documents, and finalise payment.

If you have questions, contact via our helpline (022-4890 3009) or explore solutions on our Self-Help portal.

Why Do You Need an Audi Car Insurance Policy?

Owning an Audi is a statement of sophistication and class, but it also comes with the responsibility of safeguarding your investment.

Car insurance for Audi protects against financial losses arising from accidents, theft, natural disasters or third-party liabilities. Given the premium value and advanced features, repair costs can be expensive without Audi car insurance.

Key Reasons for Investing in Insurance for Audi Car:

• Mandatory third-party insurance to adhere to Indian laws.
• Covers high repair or replacement costs for Audi’s high-end components.
• Includes damages from accidents, theft and natural calamities.
• Provides coverage for injuries to the owner-driver.
• Provides peace of mind knowing the repair costs are covered.

Reliance Audi Car Insurance Features and Benefits

Comprehensive Coverage

Our best insurance for Audi cars protects against damages from accidents, theft, natural disasters and even vandalism. Additionally, our comprehensive plans cover third-party liabilities under the same plan.

Hassle-Free Claims Process

Reliance car insurance for Audi cars offers a quick and simple claims process with features like video claims, real-time tracking and minimal paperwork. Additionally, once you raise a claim with us, we will call you for a survey within 48 hours.

Specialised Add-Ons

Enhance coverage with our 10+ add-ons, such as pay-as-you-drive, engine protection, NCB protection assistance, etc. These add-ons are also designed for high-performance cars like Audi, enhancing the benefits of Audi car insurance.

Cashless Repairs

With our Audi auto insurance, you get access to 10,000+ network garages across the country. With this wide network of garages, we ensure prompt and seamless repairs for your Audi without upfront payments.

No Claim Bonus (NCB)

With Audi vehicle insurance by Reliance General Insurance, you can save up to 50% on your premium for 5+ consecutive claim-free years. We also offer NCB Protection Cover as an optional add-on to your comprehensive car insurance plans.

24/7 Customer Assistance

Reliance car insurance for Audi cars offers round-the-clock support for emergencies or policy queries, ensuring continuous peace of mind.

Types of Audi Auto Insurance Policy

Audi Insurance Coverage - Inclusions and Exclusions

Audi Car Insurance Policy: Inclusions

• Coverage for third-party vehicle or property damage.
• The best insurance for Audi cars includes protection for your Audi against:
  • Terrorist activities.
  • Fire, explosions, self-ignition, or lightning.
  • Burglary, housebreaking, or theft.
  • Natural disasters such as floods, typhoons, hurricanes, storms, earthquakes, hailstorms, and more.
  • Accidents causing damage to your vehicle.
  • Damages sustained during transit.
• Coverage under various optional add-ons as per your selection.
• Mandatory Personal Accident Cover up to ₹15 lakhs, ensuring owner-driver protection.

Insurance Audi Policy: Exclusions

• Loss or damage occurring outside the designated geographical area in your Audi India car insurance.
• Claims arising from contractual liabilities.
• Damage caused by radiation or radioactive contamination from nuclear materials.
• Using the vehicle for purposes not intended.
• Driving under the influence of alcohol or drugs.
• Claims where the driver lacks a valid licence.
• Violations of the Motor Vehicles Act, 1989.
• Damage due to negligence on the driver’s part.
• Damage caused directly or indirectly by nuclear weapons.
• Normal wear and tear or ageing of the vehicle.
• Damage resulting from war, invasion or acts of foreign enemies.

Audi Insurance Add-On Covers

• Nil Depreciation Cover: ​This Audi insurance add-on ensures no depreciation deductions, offering a full claim amount for replaced car parts.
  
• Pay-As-You-Drive Cover: Adjusts premiums based on annual kilometres driven, saving up to 90% on premiums.
• Engine Protection Cover:  This Audi insurance coverage includes damages from water seepage, lubricant spillage, and more.
• Consumables Expenses Cover: Compensates for consumable costs like oil, grease, and coolants.
• Return-to-Invoice Cover: Provides reimbursement for the car’s original invoice value in case of total loss or theft.
• NCB Retention Cover: Retains your No Claim Bonus even after filing a claim.
• EMI Protection Cover: Covers EMI payments if repairs take over 21 days.
• Geo Extension Cover: Extends coverage to additional countries as per your requirements.
• Tyre Protection Cover: Covers repair or replacement costs for damaged tyres.
• RIM Protection: Financial security for repairing or replacing damaged rims.
• Daily Allowance Cover: Reimburses alternative transportation costs during car repairs.
• 24x7 Roadside Assistance: This Audi insurance policy add-on provides breakdown assistance for flat tyres, battery jumpstarts, towing, and more.
• Key Replacement Cover: Covers costs of lost or damaged keys and locks.
• Loss of Personal Belongings: Reimburses theft or damage of personal belongings in the car.
• Electrical Accessories Cover: Protects custom-installed electrical components from theft or damage.
• Non-Electrical Accessories Cover: Covers repairs or replacement of non-electrical modifications like seat covers and alloy wheels.
• Emergency Hotel Accommodation: Reimburses stay costs during extended repairs due to breakdowns.
• Tailored EV Add-Ons: Includes battery protection, charger coverage, and electric motor safeguards for electric vehicles.

By choosing car insurance for Audi with these add-ons, Audi owners can ensure maximum coverage and peace of mind.

Step-by-Step Guide to Audi Car Insurance Claim Process

 Audi Car Insurance Claim: Cashless Process

1. Intimation: Notify us about the claim by calling our helpline at 022-4890 3009 or Audi insurance login into the Reliance Self-i App.
2. Vehicle Inspection: A surveyor will assess the damages to your Audi.
3. Document Submission: ​Provide the required documents, such as your driving licence, registration certificate, and policy details, to the surveyor.
4. Claim Approval: Once approved, repairs can proceed at a network garage.
5. No Upfront Payments: With cashless claims, repairs are completed without you needing to pay upfront.

 Audi Car Insurance Claim: Reimbursement Process

1. Claim Notification: ​Follow the same claim intimation process as above.
2. Evidence Collection: Gather incident-related evidence, including photos, third-party details, and an FIR if applicable.
3. Claim Form Submission: Fill out the claim form on our Claims page with detailed incident information.
4. Keep All Receipts: Save receipts and invoices from your garage and submit them during the claim process.
5. Track Your Claim: ​Check your claim status online using your claim or policy number.

Note: Costs for uninsured car parts, compulsory deductibles, or depreciation are not covered and must be settled by you.

Documents for Audi Insurance Claims

• Policy number and contact details.
• Vehicle details and registration certificate (copy).
• Driving licence (copy).
• Date, time, and location of the incident.
• Extent of loss or damage.
• Forms 28, 29, and 30 signed by the insured (for liability admission).
• Name and contact details of the insured or claimant.
• FIR (mandatory for third-party or theft claims).
• Repair bills and garage details.
• Financer’s NOC (if applicable)

Having these documents ready ensures a smooth and swift Audi car insurance claims process.

Useful Links:

• Required Documents Based on Claim Type

Audi Motor Insurance Cashless Claims Vs Reimbursement Claims

Audi Car Insurance Premium for Audi Car Models

The premium for car insurance for Audi cars is influenced by various factors unique to their luxury design and advanced features. Here’s a breakdown of what affects the cost and tips to secure affordable coverage:

● Model and Market Value

High-end models like the Audi A8 or Q7 have higher premiums due to their luxurious features and expensive parts. Since repair and replacement costs for Audi cars will be significantly higher than those of other economic models, the premiums will also be adjusted accordingly.

● Engine Capacity and Performance

Cars with larger engine capacities and higher horsepower are associated with higher premiums due to their increased repair and replacement costs.

● Car Age and Depreciation

Newer Audi models tend to have higher premiums as their market value is higher, making the IDV higher as well. However, older cars have lower Audi vehicle insurance premium rates due to their decreased market value.

● Registration Location

Premiums vary by location. For example, urban areas with higher traffic density often have higher rates due to increased accident risks. On the other hand, less crowded areas with a lower risk of damage to your cars will have lower premiums.

● Mileage and Usage

Higher annual mileage may increase premiums since frequent use raises the likelihood of accidents or wear and tear. This means that it would require more frequent repairs than those using their Audi cars less frequently.

● Add-On Covers

While optional add-ons such as Nil Depreciation, Engine Protection or Roadside Assistance enhance the protection of your Audi car, they also increase the Audi insurance policy premium.

How to Calculate Your Audi Car Insurance Premium?

Since so many factors contribute to car insurance premiums, it is wise to derive an estimate before buying your chosen plan. Determining the Audi car insurance rates before buying helps you analyse your coverage needs and does not create a financial burden.

To do that, you can use our online ​car insurance premium calculator, which gives you an estimate based on all the factors mentioned above. Here are the steps to use our online calculator:

1. Go to the Reliance car insurance premium calculator.
2. Select a plan, such as comprehensive car insurance for your Audi car. Also, select any add-ons if required. You can also add any discounts applicable to your case, such as a no-claim discount or online discount.
3. Next, enter the details of your car, such as its registration number, make and model, etc., and your personal details.
4. Based on your information, the tool instantly gives you an estimate of the Audi insurance premium price.
5. You can verify the breakdown of your premium, and if it does not fit your needs, you can try modifying the contributing factors, such as add-ons or plan selection and observe their influence on the premium price.

Based on the above calculations, you can make an informed decision and select a plan that best protects your Audi car.

Audi Vehicle Insurance: Third-Party Insurance Premium

The above method of determining car insurance premiums is applicable only for our standalone own-damage and comprehensive car insurance plans. However, the calculation for third-party insurance is done based on your car’s engine capacity and is set by the IRDAI throughout the country by the insurance providers.

Here are the current third-party insurance prices set by the IRDAI:

Audi Insurance Cost for Private Cars

Audi Insurance Cost for Electric Cars

Audi Car Name and Prices

#These prices will vary with time, your purchase location and model variant.

Audi - Overview and USPs

• Audi is renowned for merging luxury with advanced technology ​and offers models like Q8 e-tron and e-tron GT with premium eclectic mobility.
• Adui’s signature Quattro technology ensures superior performance, traction and control.
• Models like the e-tron series exemplify Audi’s commitment to launching electric vehicles that combine eco-friendly performance and luxury.
• Audi leads in innovation, integrating features like virtual cockpit displays, advanced driver-assistance systems ​and AI-based customisation.
• With initiatives like Audi Approved Plus for certified pre-owned cars, myAudi Connect, and exclusive concierge services, Audi offers unparalleled support and convenience.
• Audi cars are celebrated for their sleek, aerodynamic designs and dynamic aesthetics, which reflect a perfect blend of form and function.

Frequently Asked Questions

• How much is insurance for an Audi A4?

  Car insurance premium prices are dependent on various sectors. These include the car’s make and model, its age, geographical location, choice of insurance plans, the addition of optional add-ons, etc.

  Thus, the insurance price of your Audi A4 will highly depend on these factors. For example, if you choose the Reliance car comprehensive insurance plan then your premium will be higher than if you would choose the Reliance own-damage car insurance plan.

• How much is insurance on an Audi R8?

  As mentioned earlier, the insurance price will depend on several factors. To determine how much it will cost to buy Reliance car insurance for your Audi A8, use our online premium calculator tool.

  This free tool takes into account such factors and gives you an estimate in an instant. However, for third-party insurance, the premium rates are pre-determined by the IRADI, which you can find in the sections above.

• Is insurance on an Audi expensive?

  Reliance car insurance prices largely depend on your car’s make and model. A luxury car such as an Audi costs more than a cost-effective hatchback. This is because of high repair costs, premium features and performance capabilities.

  So, if your Audi requires repairing or replacing car parts, it is likely to cost more than average, resulting in a higher insurance price.

• What does Audi insurance cover?

  Our Audi car insurance covers a wide range of perils and will vary depending on your choice of plan. Reliance’s comprehensive car insurance plan covers maximum perils, including accidental damage, theft, natural calamities, fire and third-party liabilities.

  Additionally, we offer over 10 optional add-ons to enhance your car’s protection, such as nil depreciation, NCB Retention Cover, rim protection cover, etc.

• How can I avail of my No-Claim Bonus for Reliance Audi car insurance?

  We offer NCB for every claim-free year up to a maximum of 50% to reward your excellent driving habits and compliance. You can avail of your NCB discount while renewing your car insurance policy with us.

  All you have to do is apply for the applicable discount while renewing, and it will be reflected in your revised payment breakdown.

Disclaimers:

*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.

Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).

Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.

Comprehensive Car Insurance/Car Insurance UIN: Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.

Own Damage UIN: Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920)

Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.​