Volkswagen T-Roc Insurance

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Volkswagen T-Roc Insurance

The Volkswagen T-Roc is a compact SUV designed to cater to urban customers looking for a stylish, comfortable, and practical vehicle to handle daily commutes and weekend getaways.

The T-Roc is positioned in the premium segment of the Indian car market and competes with other compact SUVs, such as the Hyundai Creta, Kia Seltos, and Jeep Compass. It has bold and sporty design that sets it apart from its competitors. The T-Roc also comes with a drive mode selector, which allows the driver to choose between Eco, Normal, Sport, and Individual modes, depending on their driving style and road conditions.

While exploring adventures with your T-Roc is exciting, it is important to have car insurance to secure it and maintain it to the best standards. There are three types of car insurance plans: third-party liability, stand-alone own damage and comprehensive car insurance policy.

The third-party liability plan is mandatory by law. It provides coverage for financial implications if the insured car accidentally causes damage to a third person or a third-party property/vehicle. Stand-alone own damage protects your insured vehicle and does not cover third-party liabilities. And finally, the comprehensive four-wheeler insurance plan offers the maximum coverage that protects you against any third-party liabilities and also against damages to your insured vehicle.

Tata AIG offers a wide range of online car insurance policies. While choosing suitable car insurance online, you can compare car insurance plans and choose the most affordable product depending on your needs.

Volkswagen T-Roc Car Insurance Renewal/Buy via Tata AIG

Tata AIG provides a seamless and speedy process of purchasing and renewing car insurance plans. Whether you wish to buy new Volkswagen insurance or renew an existing policy, we provide provisions for both.

The VW T Roc insurance cost would depend on various factors such as previous claim history, make and model of the car, usage, etc. You can visit the Tata AIG website and use the online premium calculator to understand the premium for your desired plan better.

You can follow these steps to purchase or renew VW insurance on the Tata AIG website:

  • Go to the "Car Insurance" section and enter your car's registration details in the provided field. To buy a new policy, click on "Get Price," to renew your existing Tata AIG policy click on the "Renew Existing Tata AIG Policy" option.

  • Accurately input the required information to avail of the most accurate car insurance quote.

  • Operate the available drop-down list to select the right Insured Declared Value (IDV) for your T-Roc.

  • In addition, specify if you have ever raised an insurance claim on your motor insurance plan. If not, we will provide you with a No Claim Bonus (NCB) discount on the car insurance plan you pick.

  • Select the desired insurance add-ons you want to buy along with your insurance plan and click on the 'Submit' option. You will get the insurance quote on the screen.

  • You can make a digital payment if you are happy with the quote and wish to go ahead with the policy. Keeping your convenience in mind, we have provided multiple modes of payment.

  • Once the payment is processed, we will send a digital copy of your car insurance plan to your registered email address and WhatsApp number.

Volkswagen T-Roc Car Insurance Renewal/Buy via Tata AIG

Tata AIG provides a seamless and speedy process of purchasing and renewing car insurance plans. Whether you wish to buy new Volkswagen insurance or renew an existing policy, we provide provisions for both.

The VW T Roc insurance cost would depend on various factors such as previous claim history, make and model of the car, usage, etc. You can visit the Tata AIG website and use the online premium calculator to understand the premium for your desired plan better.

You can follow these steps to purchase or renew VW insurance on the Tata AIG website:

  • Go to the "Car Insurance" section and enter your car's registration details in the provided field. To buy a new policy, click on "Get Price," to renew your existing Tata AIG policy click on the "Renew Existing Tata AIG Policy" option.

  • Accurately input the required information to avail of the most accurate car insurance quote.

  • Operate the available drop-down list to select the right Insured Declared Value (IDV) for your T-Roc.

  • In addition, specify if you have ever raised an insurance claim on your motor insurance plan. If not, we will provide you with a No Claim Bonus (NCB) discount on the car insurance plan you pick.

  • Select the desired insurance add-ons you want to buy along with your insurance plan and click on the 'Submit' option. You will get the insurance quote on the screen.

  • You can make a digital payment if you are happy with the quote and wish to go ahead with the policy. Keeping your convenience in mind, we have provided multiple modes of payment.

  • Once the payment is processed, we will send a digital copy of your car insurance plan to your registered email address and WhatsApp number.

Volkswagen T-Roc Car Insurance Price – Your Premium Amount

Several factors determine the premium of your four-wheeler insurance policy. Here is a detail about the most important factors:

Insured Declared Value IDV is a crucial factor that determines the premium of your motor insurance plan. IDV is the present market value of your four-wheeler. It takes into account the depreciation amount to evaluate the current cost of the car. It is the maximum sum the insurance company will pay in case of a loss or complete damage to your vehicle. The premium for your vehicle insurance is directly proportional to the IDV. Hence, a higher IDV can result in a higher premium.

Age Of The Vehicle The car insurance premium cost may vary based on the age of your four-wheeler. Newer cars typically have a higher premium, while older cars have lower premiums. This is because the value of a car drops over time due to depreciation, further affecting the IDV and the premium.

Insurance Coverage The premium for your car insurance can differ depending on the kind of car insurance plan you select. Comprehensive insurance policies feature higher premiums than policies that only cover third-party liability or own damage. Comprehensive insurance plans offer coverage for all the involved parties and therefore have higher premiums.

Add-Ons Selected You can extend the insurance coverage for your car by selecting additional options called insurance riders or add-ons. The price of your car insurance premium will rise with the number of add-ons you purchase for your insurance plan.

Engine Capacity The cubic capacity (cc) of a car's engine can impact the car insurance premium. Vehicles with larger cc tend to have higher premiums. The Insurance Regulatory and Development Authority of India (IRDAI) sets universal annual third-party car insurance premiums based on the cc of the insured car.

Deductible A deductible is the amount of the insurance claim the policy owner decides to pay out-of-pocket before the insurance coverage kicks in. The policyholder chooses the deductible amount when buying the car insurance policy. Opting for a higher deductible amount can result in lower premiums, but it also means the policyholder will have to spend more per claim.

Claim History Policyholders who have not filed insurance claims can receive an NCB from the insurance company. NCB reduces the premium as compensation for maintaining a clean claim history. The NCB is a progressive discount that grows each year. After five consecutive years without any claims, policyholders can receive up to a 50% discount on their car insurance renewal premiums.

Miscellaneous Factors Other factors, including the vehicle's make and model, the policyholder's age, registration location, and the vehicle's security features, can also affect the car insurance premium. Cars with advanced security features generally have lower premiums than those without such safety features.

You can use our online car insurance premium calculator to get a quick and free-of-cost quote for your four-wheeler insurance coverage.

Add-ons for Volkswagen T-Roc Car Insurance by Tata AIG

Insurance add-ons provide added benefits to your car insurance, further enhancing the policy’s protection. Tata AIG offers the following 12 such insurance riders:

  • No Claim Bonus Protection

  • Roadside Assistance

  • Repair of Plastic and Glass Fibre Parts

  • Daily Allowance

  • Emergency Transport and Hotel Expenses

  • Key Replacement

  • Engine Secure

  • Tyre Secure

  • Consumables Expenses

  • Loss of Personal Belongings

  • Return to Invoice

  • Depreciation Reimbursement or Zero Depreciation

Things Covered and Not Covered under Volkswagen T-Roc Car Insurance

Things covered under Volkswagen T-Roc Car Insurance Things not covered under Volkswagen T-Roc Car Insurance
If you choose a comprehensive car insurance policy, Tata AIG will pay you the Insured Declared Value (IDV) of your vehicle in case of theft or damage beyond repair in an accident. Damages caused due to driving without a valid driving licence. 
With our own damage policy or a comprehensive car insurance plan, you will be financially protected against damages to your vehicle caused by natural disasters such as earthquakes, cyclones, snowfalls, floods, rainfall, or frost. Damages caused to the vehicle while operating out of the mentioned geographical area, i.e., out of India. 
An own damage policy or a comprehensive car insurance policy will offer financial protection against damages caused by strikes, riots, terrorist attacks, and other malicious man-caused incidents. It also offers coverage for fire damage caused due to self-ignition, lightning, and explosions. Damages caused while driving under the influence of drugs or alcohol or by negligent driving of the driver. 
Your car might have an accident and end up with dents and scrapes. In such a scenario with your car requiring extensive repairs, our damage and comprehensive insurance policy offer coverage for such accidental damages.  Use of private cars for commercial purposes.
The comprehensive car insurance policy will cover the repair costs if you require moving your car by land, water, train or air and it gets damaged during transit. Daily wear and tear due to constant use and depreciation. 
Our car insurance policies cover your vehicle from damages and offer protection against third-party liability. Therefore, if you are involved in an accident, and a third person is injured, or their property is damaged, our insurance policy will assist in covering the costs. Expenses incurred towards general maintenance of the four-wheeler.
The comprehensive insurance plan offers personal accident cover worth ₹15 lakhs for the driver owner of the car. In the case of the demise of the driver/owner in an accident, the predetermined sum is paid to the policyholder's beneficiary. Damages caused due to crash testing, speed racing, nuclear peril or war-like situations in the country.

Why is it Important to Have Tata AIG for Your Volkswagen T-Roc Car Insurance?

Here is why you should consider Tata AIG for Volkswagen T Roc insurance:

  • The 150-year trust and reputation of the Tata name back our car insurance plans. As an insurance company, we have been fulfilling our commitment to protect you, your vehicle, and your finances for over 20 years. And we continue to stand by our promise.

  • Our goal is to anticipate and fulfil the needs of our customers. We prioritise the needs of our customers above all and strive to exceed their expectations. Throughout our years in the insurance industry, we have served around five crore customers, and our customer base continues to grow.

  • The claim settlement ratio is a metric that shows what percentage of claims an insurance company settles out of all the received claims. We are proud to say that we settled 98% of the insurance claims received in the last financial year.

  • Our team of experts is constantly striving to improve. To ensure prompt claim settlements for our clients, we have more than 650 claims specialists working throughout India. Additionally, we have a dedicated operations and service team to guide you through the insurance process and answer any questions you may have.

Overview - Volkswagen T-Roc Car Model

The Volkswagen T-Roc is a compact SUV that offers a comfortable interior, stable performance, and sporty styling. It has a well-equipped cabin with a classy finish. It also flaunts advanced features such as Android Auto and Apple Carplay.

The T-Roc is known for its refined and smooth ride, thanks to its turbocharged engines that deliver good fuel efficiency and ample power. Also, it features a good safety rating and a wide range of driver-assistance elements, making it an excellent pick for those who want a well-rounded vehicle with good performance, style, and safety balance.

Volkswagen T-Roc Price and Variants

Volkswagen T-Roc is available as a single variant, and the price is as follows:

Variant Ex-Showroom Price
T-Roc TSI ₹21.35 lakh

Unique Selling Points: Volkswagen T-Roc Car Features

Here are some unique selling features of the Volkswagen T-Roc Car:

  • Power Steering

  • Fog Lights - Front

  • Max Torque (nm@rpm) - 250nm@1500-3500rpm

  • Anti-Lock Braking System

  • Multi-function Steering Wheel

  • City Mileage - 14.14 kmpl

  • Accessory Power Outlet

  • Driver Airbag

  • Alloy Wheels

  • ARAI Mileage - 18.4 kmpl

  • Power Windows Front

  • Passenger Airbag

  • Heater

  • Adjustable Steering

  • Low Fuel Warning Light

Rivals of Volkswagen T-Roc Car

Here are some rivals of the Volkswagen T-Roc Car:

  • Tata Safari

  • Toyota Innova Crysta

  • Mahindra XUV 700

  • Isuzu D-Max

  • Tata Harrier

  • Mahindra Scorpio N

  • MG Hector

  • Honda City Hybrid

  • MG Hector Plus

  • Hyundai Alcazar

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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