Audi Insurance

Key Highlights

• Audi India currently offers 13 car models, including SUVs, sedans and coupes. The brand’s lineup includes A model sedans (A4 and A6), Quattro model SUVs (Q3, Q3 sportback, Q5, Q7 and Q8) and sports cars (RSQ8 and SQ8).

• The lowest price for an Audi car starts at ₹51 lakhs for the Audi Q3 (on-road price) for the Premium variant. The most expensive Audi car is the RSQ8 Performance, which costs ₹2.68-₹2.74 crores (on-road price), subject to various factors.

• Audi is known for its luxury cars featuring premium quality standards, lightweight builds, sleek designs and constant upgrades to the product portfolio.

• Audi SUVs under the Quattro lineup are equipped with the company’s patented Quattro drive, which features a multi-disc clutch and electronic control for optimal all-wheel drive.

• Audi sports cars have proven their excellence in several international motorsports, including the FIA Formula 1 Championship. These cars are built for superior performance with features like the Quattro sports drive, powerful engines, and specialised suspension systems.

• Third-Party Liability Protection: Injuries and fatalities caused by your Audi car can result in liabilities amounting to tens of lakhs or crores. Since there’s no upper limit for compensation that courts can award in India, third-party insurance is a necessity for vehicle owners.

• Mandatory Legal Requirement: The Motor Vehicles Act makes third-party insurance compulsory for every vehicle in India. Both owners and drivers are responsible for ensuring they have valid insurance; otherwise, they are liable to fines up to ₹4000, jail up to 3 months or both.

• Protection Against Accidents: Road accidents have become more frequent and severe in India, with 4.61 lakh accidents and 33.8% fatalities in 2022. An Audi car insurance plan covers repair and replacement costs for accidental damage and provides personal accident coverage.

• Natural Disaster Coverage: Adverse weather conditions and natural events, including monsoon floods, earthquakes, heavy snowfall and landslides, are common reasons for total damage to cars. A car insurance plan covers damage and loss to your Audi car from such events.

• Theft and Vandalism: Malicious acts, such as riots, strikes, vandalism, burglary, house break-ins, etc., present grave dangers to your expensive Audi car. With cases of theft and vandalism on the rise, having an Audi motor insurance plan is essential to cover damage and loss.

• Access to Cashless Repairs: Car insurance plans provide you with access to the insurer’s network garages, where you can drop off your Audi car to get repairs without any upfront payment. With TATA AIG, you get access to 6301+ cashless garages across India.

• Third-Party Car Insurance

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• Standalone Own Damage Car Insurance

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• Comprehensive Car Insurance

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• Zero Depreciation Car Insurance

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• Usage-Based Car Insurance

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• Quick Online Quotes: Get quick online quotes on our website that show the full cost breakdown for your chosen terms. We also offer an online comparison tool and a premium calculator that lets you find accurate Audi car insurance costs.

• Simple Claims Process: We ensure a smooth and hassle-free claim settlement process, offering multiple claim-filing options, including our dedicated claim portal and mobile app. You can initiate and track claims entirely online without the need for any physical documents.

• Complete Financial Coverage: With the best insurance for Audi, you get complete financial protection from damage or loss to your vehicle and third-party liabilities. Our first-party car insurance plans cover accidents, fire, transit damage, natural disasters and manmade disasters. They also secure your loved ones with a personal accident cover.

• Customisable Plans: Enhance the scope of coverage of your chosen plan with add-on covers from TATA AIG. We have a selection of excellent add-ons for luxury, high-performance Audi cars, such as zero depreciation cover, return to invoice, engine secure, No Claim Bonus protection, pay-as-you-drive, etc.

• Instant Verification and Issuance: Our advanced digital system lets us instantly fetch your vehicle details, ensuring faster processing and document verification. Once you buy a car insurance plan, your purchase is processed instantly, and the policy documents are sent to your email.

• 24/7 Customer Support: Get round-the-clock assistance with our customer helpline number (022-6489-8282) to resolve queries, enquire about products or get help with claims. We have a team of 750+ claim specialists and a customer-centric approach built with 25+ years of experience.

• Attractive Bonuses and Discounts: We offer various online discounts for both new and old vehicles and bonuses for claim-free Audi insurance renewals. Get up to 85% off on online purchases and a No Claim Bonus (NCB) up to 50% for five claim-free years.

What’s Covered

• Damage or loss from cyclones, hurricanes, typhoons, floods, landslides, earthquakes, hailstorms, frost, and other natural events
• Damage from terrorist acts, riots, strikes, vandalism, housebreaking and other malicious manmade acts
• Any damage or loss from fire, explosions, self-ignition and lightning
• Reimbursement of your Audi car’s Insured Declared Value (IDV) for theft or total loss
• Repair costs from damage due to an accident
• Third-party injuries, fatalities, property damage and legal representation costs
• Compensation up to ₹15 lakhs for the owner-driver’s death or permanent disability
• Transit-related damage while transporting your car via air, waterways, road or rail

What’s Not Covered

• Damage caused by negligence or reckless activities, such as speed racing or crash testing
• Depreciation, wear and tear, general maintenance costs, and ageing-related mechanical or electrical breakdowns
• Damages incurred while the insured Audi is driven without a valid driving licence or under the influence of drugs or alcohol
• Damage to tyres and tubes unless the insured Audi is damaged at the same time
• When a private car is used outside India or for commercial purposes

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At TATA AIG, we offer a selection of 8+ add-ons to customise our car insurance plans. Find the full list of our add-on covers on our add-ons page. Here are some useful add-ons for Audi cars:

• Return to Invoice: The Return to Invoice covers the difference between your Audi car’s IDV and on-road price, eliminating out-of-pocket expenses. It covers electronic/non-electronic accessories, road tax, registration charges and insurance.

• Engine Secure: The Engine Secure is an add-on that covers repair and replacement of engine parts, gearbox and transmission due to the ingress of water or lubricant into the insured part.

• Additional Third-Party Property Damage: This add-on pays for third-party property damage caused by the insured car. It extends the third-party coverage limit over and above those provided by third-party and comprehensive plans.

• Emergency Medical Expenses: This add-on covers medical expenses for the driver and occupants due to an accident. Besides hospitalisation expenses, it covers ambulance charges and items such as crutches, wheelchairs and artificial limbs.

• Daily Allowance Plus: The Daily Allowance Plus provides either a hire/courtesy car or daily cash to arrange for alternative transportation while your insured Audi car is under repairs.

Instant Car Insurance in 4 Steps

Enjoy a seamless digital purchase process with minimal steps

• Enter Registration Details: Scroll up to find our premium quote tool. Enter your car registration number and click on the ‘Get Price’ button.

• Provide Additional Details: Enter the required details, including car make, model and variant, purchase date, policy details and your contact number.

• Choose Your Coverage: Choose the best car insurance for your Audi from the available plans. Modify the coverage and include add-ons if needed.

• Complete the Payment: Check the car insurance quote. If it is acceptable, pay the premium amount online to complete your purchase.

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• Find the My Policy Menu: Click on ‘My Policy’ at the top right corner of this page and then select ‘Login’.

• Sign in: Enter your registered mobile number and OTP (one-time password) to sign in to your TATA AIG account.

• Find Policy Download: Navigate to the ‘Policy Download’ section and enter either your car registration number or current policy number to confirm.

• Download Your Policy: Click on the download button to save a PDF copy of your Audi insurance plan.

How to File a Claim

• Inform TATA AIG about the incident by calling our helpline (022-6489-8282). Then, raise a claim via our claim portal, mobile app or by logging into your TATA AIG account.

• After submitting an online claim, you will receive a self-inspection link where you have to upload photos or videos of your damaged Audi. We may also require a surveyor’s inspection to prepare a damage report.

• Submit all required documents, such as the claim form, original repair bills, garage estimate and receipts, along with vehicle RC, driving licence and other important documents.

• Take your insured Audi car to the nearest TATA AIG network garage for cashless claims. If one isn’t available, get repairs at a non-network garage and file a reimbursement claim later for the expenses you have paid.

• After verification and processing, we will either settle bills directly with the garage (cashless claims) or pay the reimbursement amount to your account. You may need to pay for additional expenses not covered under your Audi auto insurance plan.

Documents Required for a Claim

• Duly filed and signed claim form
• Driving licence
• Car RC (registration certificate)
• Copy of policy documents
• FIR for major damage, third-party injuries and theft
• Identity and address proof
• Self-inspection photos and videos
• Garage repair estimate
• Original invoices and payment receipts
• All original car keys
• Court summons or notice, if applicable
• Non-Traceable Certificate for theft
• Medical bills and receipts, if applicable
• Any other additional documents as required

Your Audi insurance price mainly depends on the type of policy chosen, add-ons included and any applicable discounts or bonuses. For third-party plans, the premium price is fixed, while for any other plans, the premium price is decided by the insurance company based on various factors like the car’s IDV, age, registration location, policy terms, claims history, driving history, etc.

Calculate your Audi insurance costs easily with our premium calculator. This is a free online tool that provides accurate estimates based on the following inputs:

• Audi car registration number
• Make, model and variant of the car
• Year of manufacture
• Policy number and details
• Add-ons chosen
• Applicable NCB and other discounts

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