Audi A4 Car Insurance

​Driving an Audi A4 is a testament to your refined taste and admiration for automotive excellence. At Reliance General Insurance, we understand the unique needs of Audi A4 owners. Our tailored car insurance for Audi A4 not only meets legal requirements but also provides comprehensive coverage to protect your prized possession.

With competitive Audi A4 insurance prices and different customisable options, we ensure that your luxury vehicle receives the protection it deserves, giving you peace of mind on every journey.

100% Claims Settlement*

10,000+ Network Garages*

5 Crore+ Happy Customers*

₹238/month ​Starting premiums*

Why Do You Need Audi A4 C​​ar Insurance?

Compliance with Laws

It's not only a good idea to get car insurance for your Audi A4. It's also the law in India. Every car, including your Audi A4, has to have at least third-party liability insurance under the Motor Vehicles Act. When you choose Reliance General Insurance, you not only make sure you're following the law, but you also protect yourself from possible legal and financial problems.

Financial Protection

The average insurance for an Audi A4 takes into account the car's premium status and potential repair costs. In the event of an accident, theft or damage, the right insurance policy can save you from a significant financial burden.

Reliance's comprehensive coverage for your Audi A4 protects your investment, covering everything from minor scratches to major collisions.

Peace of Mind

Knowing that your Audi A4 is protected by a reliable insurance policy allows you to enjoy your driving experience to the fullest. With Reliance General Insurance, you can cruise with confidence, knowing that you're backed by a trusted name in the insurance industry.

Features and Benefits of Relian​​ce Car Insurance for Audi A4

Hassle-Free Buying and Claiming Insurance

We've revolutionised the process of purchasing and claiming insurance for your luxury vehicle. Our state-of-the-art online platform offers a seamless experience, allowing you to get an instant quote, buy a policy and file claims with just a few clicks.

This efficient system ensures that managing your Audi A4 insurance is as smooth and sophisticated as the car's performance.

IDV Customisation

Our IDV customisation feature allows you to set an appropriate insurance value for your car. This flexibility ensures that you're neither underinsured nor paying for excessive coverage. You can adjust the IDV based on your Audi A4's current market value, factoring in its age, model and condition.

24/7 Customer Support

We believe that support for premium vehicles like the Audi A4 should be available round the clock. Our customer service team can answer your Audi A4 insurance questions 24/7. Whether you need clarification on policy details, assistance with claims, or emergency support, our expert team is just a call away.

Video Claims

Leveraging cutting-edge technology, we offer a video claim feature for faster and more efficient claim settlements. This innovative approach allows for quick assessment and processing of your Audi A4 insurance claims.

In many cases, you can initiate and complete the claim process without the need for physical inspection. Simply use your smartphone to record and submit video evidence of the damage and our experts will assess it remotely.

Pay-As-You-Drive Insurance

Recognising that not all Audi A4 owners clock high mileage, we offer a unique Pay-As-You-Drive insurance option. This innovative feature allows you to potentially reduce your Audi A4 insurance price based on your actual vehicle usage.

This can save you a lot of money on your monthly premium if you only drive your Audi A4 for short trips or only sometimes.

Types of Audi A4 Car Insura​​nce Plans

Types of Insurance	What to Expect
Third-Party Liability Insurance	This basic plan, mandated by law, covers damages to third-party vehicles or property. While it's the most affordable option, it doesn't protect your Audi A4.
Own Damage Insurance	Perfect for those who already have third-party coverage, this plan protects your Audi A4 against accidents, theft and natural disasters. It's an excellent way to safeguard your investment in this premium vehicle.
Comprehensive Insurance	Our most popular option for Audi A4 owners, this all-inclusive plan combines third-party liability, own damage protection and personal accident cover for the owner-driver. It's the most robust protection for your luxury sedan.
Pay-As-You-Drive Insurance	This innovative plan is ideal for Audi A4 owners who use their car sparingly. Your premium is based on your annual mileage, potentially reducing your Audi A4 insurance cost significantly.

How to Buy Audi A4 Car Insur​​ance - Online & Offline?

At Reliance, we've streamlined the process of obtaining insurance for your Audi A4. We offer flexibility in how you can secure car insurance for Audi A4, accommodating both tech-savvy customers who prefer online transactions and those who value face-to-face interactions.

Steps to Buy Audi A4 Car Insurance Online

1. Navigate to Reliance's automotive coverage webpage and choose 'car insurance.'
2. Provide your Audi A4's specifications, personal information and desired level of protection.
3. View and evaluate instant quotes for your Audi A4 insurance.
4. Enhance your policy with suitable add-ons tailored for your Audi A4.
5. Finalise the transaction through our secure payment gateway to activate your Audi A4 coverage.

Steps to Buy Audi A4 Insurance Offline

1. Locate the closest Reliance Insurance office or certified representative in your area.
2. Bring your Audi A4 documentation for a comprehensive evaluation.
3. Discuss customised insurance options for your Audi A4 with our specialists.
4. Determine your optimal coverage and any supplementary protections for your luxury vehicle.
5. Complete your policy by submitting necessary paperwork and making the payment.

Steps for Audi A4 Car Insuranc​e Renewal Online

1. Access Reliance's renewal page and input your Audi A4 policy details.
2. Confirm your Audi A4 information and update if any changes have occurred.
3. Assess your existing coverage and consider potential upgrades for your luxury car.
4. Select your preferred annual insurance plan for your Audi A4.
5. Process the payment to receive your renewed Audi A4 insurance policy.

How to Buy Second-Hand Aud​i A4 Car Insurance?

Securing insurance for a second-hand Audi A4 is straightforward with Reliance.

• Gather the vehicle's registration papers and obtain the insurance history of the Audi A4.
• Visit our website or a local branch to initiate the insurance process for your used Audi A4.
• We'll conduct a thorough inspection of your car's mechanical condition before proceeding with documentation.
• Provide accurate details about the Audi A4's age and state, submitting all required paperwork.
• Choose between third-party or comprehensive coverage for your Audi A4 and consider additional protections like zero depreciation for older models.
• Evaluate our competitive quotes to find the most suitable Audi A4 insurance price. Complete the purchase and ensure the policy transfer to your name if required.

Remember, the Audi A4 insurance cost can vary based on factors such as the car's model year, your driving history and chosen coverage options. Our goal is to offer you the best average insurance for Audi A4 that balances comprehensive protection with affordability.

Audi A4 Insurance Coverage: Inclu​sions and Exclusions

Audi A4 Insurance Policy: Inclusions

• Third-party damages (property or vehicle)
• Damage to your Audi A4 due to:
  • Fire, explosion, or lightning
  • Theft or burglary
    
  • Accidents or terrorist activities
  • Transit-related damage
• Natural calamities (floods, earthquakes, storms)
• Personal Accident Cover for the owner-driver
• Add-on coverages like zero depreciation and roadside assistance

Insurance of Audi A4: Exclusions

• Damage outside the policy's geographical area
• Using your Audi A4 for purposes not specified in the policy
• Driving under the influence of alcohol or drugs
• Driving without a valid licence
• Normal wear and tear
• War or nuclear risk-related damage
• Accidents caused by driver negligence
• Contractual liability claims

Audi A4 Insurance Add-On Cov​ers

Enhance your Audi A4 insurance with these valuable add-ons, designed to provide comprehensive protection for your luxury sedan:

1. Zero Depreciation Cover: Particularly valuable for Audi A4 owners, this add-on ensures you receive the full claim amount without deductions for depreciation on parts. Given the high cost of Audi A4 components, this can lead to significant savings during claims.
2. Engine Protection: Safeguards your Audi A4's sophisticated engine against damage due to water ingression or leakage of lubricating oil. This is crucial for protecting the heart of your performance-driven vehicle.
3. Roadside Assistance: Offers 24/7 support for breakdowns, ensuring you're never stranded in your Audi A4. Services include on-site repairs, towing, fuel delivery and more.
4. No Claim Bonus (NCB) Protection: Preserves your accumulated NCB even if you make a claim. This can help maintain lower Audi A4 insurance prices in the long run.
5. Return to Invoice: In case of total loss or theft, this cover pays the invoice value of your Audi A4 rather than just the Insured Declared Value (IDV). This is particularly valuable given the rapid depreciation of luxury vehicles.
6. Consumables Cover: Pays for engine oil, lubricants, coolants and nuts and bolts during repairs. This may save a lot, particularly on Audi A4 premium parts.
7. Key Replacement Cover: Reimburses the cost of replacing your Audi A4's sophisticated keys if they are lost or stolen. Given the high cost of Audi's advanced key systems, this can be a valuable addition.
8. Personal Belongings Protection: Covers loss or damage to personal items inside your Audi A4, such as laptops, smartphones or other valuables.
9. Daily Allowance: Provides a fixed daily amount for alternative transport while your Audi A4 is undergoing repairs. This ensures you maintain your lifestyle even when your car is unavailable.
10. Pay-As-You-Drive: Adjust your Audi A4 insurance cost based on mileage driven.
11. Total Cover: Receive full on-road price compensation for severe damage or total loss.
12. EMI Protection: Covers your Audi A4's loan EMIs during extended repair periods, ensuring financial stability in challenging times.
13. RIM Protection: Covers repair or replacement of Audi A4's alloy wheels.
14. Tyre Protection: Includes repair or replacement of high-performance tyres.
15. Geo Extension: Extends your Audi A4's insurance coverage to additional countries, perfect for those who enjoy international road trips.
16. Electrical Accessories: Protects custom-installed electrical upgrades.
17. Non-Electrical Accessories: Covers non-electrical modifications like body kits.
18. Emergency Hotel Accommodation: Reimburses hotel costs if you're stranded far from home due to a breakdown or accident in your Audi A4.

We also offer specific add-ons for electric and hybrid vehicles. While the current Audi A4 models are primarily gasoline or diesel-powered, these covers could be valuable for future e-tron or hybrid versions of the A4:

• Battery Protection: Covers the high-cost battery pack against damage or degradation.
• Electric Motor Cover: Covers the high costs of repair and replacement of the electric motor against damage or degradation.
• Charger Cover: Protects the charging equipment, both in-car and at-home units.

Audi A4 Car Insurance Cl​​aim Process

Steps for Audi A4 Insurance Claim: Cashless Repairs

1. Inform Reliance immediately about the incident via our helpline +91 22 48903009, Car Insurance Claim page, or Reliance Self-i App..
2. Take your Audi A4 to the nearest network garage.
3. Submit the required documents and allow our surveyor to assess the damage.
4. Once approved, repairs will be carried out at the network garage.
5. Collect your repaired Audi A4 while we settle the bills directly with the garage.

Steps to Claim Audi A4 InsurancePolicy: Reimbursement Claims

1. Notify Reliance about the incident as soon as possible.
2. Get your Audi A4 repaired at any garage of your choice.
3. Collect all repair bills and receipts, then submit the claim form.
4. Our team will verify the claim and assess the damages.
5. Once approved, we'll process the reimbursement to your registered bank account.

Remember, prompt reporting and accurate documentation are key to a smooth Audi A4 car insurance claim process. Our team is always ready to assist you, ensuring your premium vehicle gets back on the road quickly.

Documents for Audi A4 Insur​​​ance Claim

To process your Audi A4 insurance claim efficiently, please prepare these documents:

• Completed and signed claim form
• Copy of your Audi A4 insurance policy
• Vehicle registration certificate copy
• Driver's licence copy
• Police FIR (for theft or third-party injury cases)
• Original repair bills and payment receipts
• Damaged vehicle photographs (if applicable)
• Original invoice copy (for total loss claims)
• NOC from financer (if your Audi A4 is under loan)

Having these documents ready can help speed up your Audi A4 insurance claim process.

Audi A4 Car Insurance Claims: Cas​​hless vs. Reimbursement

Aspect	Cashless	Reimbursement
Process	Take your Audi A4 to a network garage. Reliance settles the bill directly.	Get your Audi A4 repaired at any garage. Pay upfront and claim reimbursement later.
Convenience	Highly convenient. No upfront payment needed.	Requires out-of-pocket expense initially.
Claim Settlement	Faster, as the garage and insurer coordinate directly.	May take longer due to documentation and verification processes.
Garage Choice	Limited to network garages, but ensures quality Audi A4 service.	Freedom to choose any garage, including authorised Audi service centres.
Documentation	Minimal paperwork required from the Audi A4 owner.	More documentation needed for claim submission.

​What Decide Audi A4 Car Insurance​ Premium

The insurance cost for your Audi A4 depends on several factors. Understanding these can help you manage your car insurance for Audi A4 more effectively:

Car Specifications

The Audi A4's model year, variant and engine capacity significantly impact your insurance premium. Newer models or those with higher-powered engines typically have a higher average insurance for Audi A4. For instance, a 2.0-liter TFSI engine might attract a higher premium compared to a 1.4-liter TFSI variant.

Coverage Requirements

Your chosen coverage type affects the Audi A4 insurance price. A comprehensive policy that covers own damage along with third-party liability will naturally cost more than just a third-party liability policy. However, for a luxury car like the Audi A4, comprehensive coverage is often recommended to protect your investment.

Vehicle's Insured Declared Value (IDV)

The IDV is a critical factor in determining your Audi A4 insurance cost. It represents the current market value of your car and decreases each year due to depreciation. A higher IDV means a higher premium but also ensures better coverage in case of total loss or theft.

Geographical Location

Where you live and drive your Audi A4 matters. Premiums are usually higher in cities than in country places because there are more cars on the road and more accidents there. For example, insuring your Audi A4 in Mumbai might cost more than in a smaller city.

Claim History

Your past claims history significantly influences your Audi A4 insurance price. If you've made multiple claims in previous policy periods, your premium might increase. Conversely, a claim-free history can earn you a No Claim Bonus (NCB), reducing your insurance of Audi A4 cost by up to 50%.

How to Calculate Audi A4 Car Insur​​ance Premium?

Calculating your Audi A4 insurance cost involves several steps:

1. Start with the Insured Declared Value (IDV) of your Audi A4.
2. Apply the premium rate based on your location and chosen coverage type.
3. Factor in additional costs for add-ons like zero depreciation or engine protection.
4. Apply discounts such as No Claim Bonus or anti-theft device discount.
5. Add the fixed cost of third-party liability insurance.

We offer an online premium calculator for a quick estimate of your car insurance for Audi A4. Simply enter details like your Audi A4's model, variant and manufacturing year to get an instant quote.

Audi A4 Insurance Price: Third-Part​​​y Insurance Premium

IRDAI regulates the third-party insurance premium for the Audi A4:

For Private Cars

Engine Capacity	Premium for One Year (in ₹)
Up to 1000 cc	2,094
Above 1000 cc up to 1500 cc	3,416
Above 1500 cc	7,897

For Electric Cars

Battery Capacity	Premium for One Year (in ₹)
Up to 30 kW	1,780
Above 30 kW to 65 kW	2,904
Above 65 kW	6,712

Audi A4 - Overview an​​d USPs

The Audi A4 is a testament to German engineering excellence, offering a perfect blend of luxury, performance and technology. Let's delve into what makes this car stand out:

Design and Exterior

The Audi A4's exterior design is a head-turner:

• Sleek Profile: The A4's sharp lines and aerodynamic silhouette contribute to its impressive fuel efficiency and performance.
• Signature Grille: The bold Singleframe grille is instantly recognisable, making a strong statement on the road.
• LED Lighting: Advanced LED headlights and taillights not only look striking but also enhance visibility and safety.
• Alloy Wheels: Stylish alloy wheels complement the A4's sporty character.

Interior Comfort

Step inside the Audi A4 and you're greeted by a world of luxury:

• Premium Materials: High-quality leather upholstery and soft-touch surfaces create a plush environment.
• Spacious Cabin: Ample legroom and headroom ensure comfort for all occupants.
• Climate Control: Multi-zone climate control allows personalised comfort settings.
• Noise Insulation: Superior insulation makes for a quiet, refined ride.

The luxurious interior justifies the car insurance for Audi A4, as it contributes to the vehicle's overall value.

Performance

The Audi A4 offers impressive performance across its range:

• Engine Options: Efficient yet powerful choices like the 2.0-liter TFSI engine provide a perfect balance of performance and economy.
• Quattro All-Wheel Drive: It offers great traction and handling in varied situations in certain models.
• Transmission: Smooth S tronic dual-clutch transmission ensures a refined driving experience.
• Suspension: Adaptive damping suspension offers a comfortable ride without compromising on sportiness.

Technology and Infotainment

Audi is known for its cutting-edge technology and the A4 doesn't disappoint:

• A fully digital instrument cluster offers a customizable information display.
• MMI Infotainment System: The touchscreen interface provides intuitive control over various car functions.
• For easy connection, Apple CarPlay and Android Auto are built in.
• Bang & Olufsen Sound System: Available on higher trims for an exceptional audio experience.

While these high-tech features add to the car's appeal, they can also influence the Audi A4 insurance price due to potential repair costs.

Safety Features

In the Audi A4, safety is very important:

• Multiple Airbags: A comprehensive airbag system provides all-around protection.
• Electronic Stability Control: Helps maintain control in challenging driving conditions.
• Audi Pre Sense: This system can detect imminent collisions and take preventive actions.
• Parking Assist: Makes parking in tight spots easier and safer.
• These advanced safety features might help reduce your insurance of Audi A4 by lowering the risk of accidents and damage.

These features not only make the Audi A4 a desirable car but also influence its insurance cost. While the advanced safety features might help reduce the Audi A4 insurance price, the high-tech components can increase repair costs in case of damage.

This balance is reflected in the overall insurance of Audi A4, making it crucial to choose the right coverage for your prized vehicle.

Audi A4 - Models and P​​rices

Model	Engine	Transmission	Mileage	Ex-Showroom Price (Delhi)
A4 Premium Plus 40 TFSI	2.0L TFSI Petrol	7-Speed S tronic	17.42 km/l	₹43,85,000
A4 Technology 40 TFSI	2.0L TFSI Petrol	7-Speed S tronic	17.42 km/l	₹48,57,000
A4 Premium 35 TDI	2.0L TDI Diesel	7-Speed S tronic	19.61 km/l	₹45,50,000
A4 Premium Plus 35 TDI	2.0L TDI Diesel	7-Speed S tronic	19.61 km/l	₹48,75,000
A4 Technology 35 TDI	2.0L TDI Diesel	7-Speed S tronic	19.61 km/l	₹52,20,000

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Frequently Asked Que​stions

1. What does Audi A4 insurance cover?

   Reliance General Insurance for Audi A4 offers comprehensive protection, including collision damage, theft and natural calamities. Our Audi A4 insurance policy covers third-party liabilities and provides personal accident coverage. We offer add-ons like zero depreciation, engine protection and 24/7 roadside assistance, ensuring your luxury car receives premium care.

2. What is the claim process for Audi A4 insurance?

   For Audi A4 insurance claims with Reliance General, simply call our dedicated helpline or use our mobile app. Submit the required documents digitally and our expert team will guide you through the process. We offer cashless repairs at authorised Audi service centres, ensuring your A4 receives top-quality service with minimal hassle.

3. Can I transfer my insurance for Audi A4?

   Yes, transferring your Reliance General Insurance for Audi A4 is simple. Notify us about the ownership change and provide the necessary documents. We'll swiftly process the transfer, ensuring continuous coverage for the new owner. This maintains the policy's benefits and complies with legal requirements for insuring your Audi A4.

4. How much does Audi A4 insurance ​cost?

   Reliance General Insurance offers highly competitive rates for Audi A4 owners. Our Audi A4 insurance price starts from as low as ₹238 per month, making premium coverage affordable. This translates to approximately ₹2,856 annually, though costs may vary based on your specific A4 model and chosen coverage options. Contact us for a personalised car insurance for Audi A4 quote.

5. What factors affect Audi A4 insurance premiums?

   Reliance General considers several factors for Audi A4 insurance pricing: vehicle variant, age, cubic capacity and Insured Declared Value (IDV). Your location, driving history and chosen add-ons also impact the premium. We offer discounts for anti-theft devices and no-claim bonuses to optimise your Audi A4 insurance cost.​
   

Disclaimer: *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.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.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. 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).

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