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As “das Auto”, Volkswagen is a must-have, but its long repair bills can be difficult to maintain. Hence, the Volkswagen Polo car insurance in India promises to safeguard repair and replacement expenses, saving you hundreds of thousands of rupees. Any damages caused due to serious collisions or accidents, thefts, natural disasters, etc., are covered.  


As per the Motor Vehicles Act of 1988, one is required to insure their car with a third-party liability insurance, but this car insurance for the Volkswagen Polo car covers unforeseen damages along with coverage for injuries sustained during an accident or even accidental demise. The Volkswagen Polo Car Insurance in India could be the best choice to insure your car. 

Volkswagen Polo Insurance Price for Variants

The Volkswagen Polo comes in 7 different variants, and you can find the insurance price for each of them in the table given below:


Ex-Showroom Price

Fuel Type

Estimated Third-Party Premiums

Polo 1.0 MPI Trendline

₹6.45 lakh



Polo 1.0 MPI Comfortable

₹7.42 lakh



Polo Turbo Edition

₹7.80 lakh



Polo 1.0 Comfortline AT

₹8.93 lakh



Polo 1.0 TSI Highline Plus

₹8.98 lakh



Polo 1.0 TSI Highline Plus AT

₹9.99 lakh



Polo Legend Edition

₹10.25 lakh



Disclaimer: *The ex-showroom prices are for Delhi and are subject to change basis the city.

Third-party premium rates are indicative. The actual premium that you may have to pay may change depending on various factors. Please check the prevailing premium rates before purchasing your car insurance policy.

How to Buy Volkswagen Polo Insurance Online

Now that insurance services have become online, you can buy Volkswagen Polo car insurance from the comfort of your home. Just follow the simple steps given below:


Step 1: Visit the car insurance calculator page on the Bajaj Markets website.


Step 2: Enter your vehicle information as well as personal details on the calculator page.


Step 3: Choose from the list of health insurance plans that show up on the page.


Step 4: Upload the required documents onto the website.


Step 5: Make the online premium payment and your Volkswagen Polo insurance will be activated shortly.


How to Renew Volkswagen Polo Insurance

You can refer to the following instructions in case you wish to renew your Volkswagen Polo car insurance.


Step 1: Visit the car insurance renewal page of any insurance provider’s website.


Step 2: Enter your existing policy details as well as car-related information on the site.


Step 3: A set of Volkswagen Polo insurance renewal options will appear on the screen.


Step 4: Choose the renewal plan that seems suitable for your needs and upload the necessary documents.


Step 5: Make the online premium payment and your car insurance plan will soon be renewed.

Why You Need Volkswagen Polo Car Insurance

Buying a car like Volkswagen Polo is a major financial decision and you always be prepared for the expenses that come with owning a car. In case your Volkswagen Polo gets into a serious accident, you may have to spend anywhere from ₹30,000 to ₹3 lakh or more depending on the severity of the damage. Hence, you should purchase Volkswagen Polo car insurance from an appropriate provider to safeguard your precious possession. With comprehensive Volkswagen Polo car Insurance, you can protect your vehicle financially in case of accidents, theft or loss incurred due to human-made and natural disasters. Also, it is mandatory to have car insurance under the New Motor Vehicles Act, 2019.

Types of Volkswagen Polo Car Insurance

There are basically two types of Volkswagen Polo car insurance that you can choose from, and both have been explained below:

  • Third-Party Insurance

A third-party car insurance only provides coverage to the third parties and their vehicles that are injured/damaged in an accident. Third-party insurance does not provide any kind of protection to the policyholder.

  • Comprehensive Insurance

A comprehensive car insurance is a more rounded policy that offers protection to the policyholder and their vehicle as well as provides third-party insurance cover. The policyholders also have the choice of buying add-on covers for enhanced protection with comprehensive car insurance.

What’s Covered Under Volkswagen Polo Car Insurance

The inclusions under Volkswagen Polo insurance are damage incurred due to natural or human-made disasters, third-party liabilities, repair and replacement costs for accidents, etc.

What’s Not Covered Under Volkswagen Polo Car Insurance

The exclusions under Volkswagen Polo insurance are situations like accidents due to driving under influence, providing incorrect data to the insurer, normal wear and tear, mechanical or electrical breakdown, etc.

Add on Covers for Volkswagen Polo Car Insurance

If you choose to buy a comprehensive Volkswagen Polo car insurance, you can enhance the scope of the plan with the following add-on covers:

  • Car Roadside Assistance

With this add-on cover, you can get professional help from mechanics at any location where your car breaks down, even if you are stranded in a remote area.

  • Consumables Cover

Consumables like engine oil, brake oil, coolant, etc. are not covered under most car insurance plans. However, if you wish to get insurance coverage for these, then the consumables cover is the right add-on for you.

  • Zero Depreciation Cover

With this insurance add-on, you can get the full value of your Volkswagen Polo’s market price during your insurance claims, without the loss of value from depreciation.

  • Personal Accident Cover for Passengers

This useful add-on provides medical coverage to the passengers travelling with you in your car. Buy this personal accident cover to protect your family and loved ones

Making a Claim for Your Volkswagen Polo Insurance

If you wish to make a Volkswagen Polo insurance claim, you will need to keep the original copies of the following documents ready to submit to your insurance company:

  • Insurance policy papers

  • FIR of the incident

  • Original bills and receipts of vehicle repairs

  • Information regarding the traffic accident

  • Driving licence and your car details

The two ways to make a Volkswagen Polo insurance claim are:

  • Cashless Claims

Under this claim, you must inform your insurer about the accident immediately then visit a network garage. Your Volkswagen Polo will be repaired at the network garage and your insurer will directly settle the repair bills without you having to pay anything.

  • Reimbursement Claims

Under reimbursement claims, you can get your car repaired at a garage of your choice and pay for the repairs. After your car has been successfully mended, you can submit all the original bills and receipts to your insurer. Upon verification, the insurer will provide you with the reimbursement amount.

Tips to Reduce Volkswagen Car Insurance Premiums

Here is a list of handy tips you can use to lower your car insurance premiums.

  • Do Not Make Small Claims

Making multiple small claims can lead to an increase in your insurance premium costs. Make sure to get minor car damages repaired at your own expense.

  • Avoid Buying Add-Ons

Add-ons can increase the cost of your insurance premiums by a large margin. Do not buy any unnecessary add-ons or skip them entirely unless absolutely necessary.

  • Compare Car Insurance Online

When looking for Volkswagen Polo insurance, compare all car plans available online from different insurers, then choose a plan that is the cheapest.

  • Use Anti-Theft Devices

If you have an anti-theft device installed on your vehicle, you may be eligible for a small discount on your car insurance premiums.

Useful Tips for Maintaining Your Volkswagen Polo

Maintaining your car can help you save money on repair and insurance costs in the long term. Check out these valuable maintenance tips:

  • Maintain Tyre Pressure

Keeping the right tyre pressure on your car will help in improving fuel efficiency and increase the longevity of car parts. Low tyre pressure can damage the internals of the car.

  • Regular Servicing

The best way to maintain your Volkswagen Polo is to frequently take it to a certified garage for servicing. This will keep your car in the best condition for years and fix any minor issues that may arise from time to time.

  • Refill Consumables Frequently

A car needs consumables like engine oil, coolant, etc. to be refilled on time. Make sure you regularly get these consumables refilled.

  • Do Not Overload

Overloading your car can damage the internal parts or even cause an accident due to the weight imbalance.

Volkswagen Polo Maintenance Cost

The approximate Volkswagen Polo service cost for 4 years is around ₹29,300. The manufacturer may provide the first few services for free but you will have to pay for all the remaining ones. Here is the Volkswagen Polo service cost breakdown:



Type of Service

Volkswagen Polo Maintenance Cost

1st Service




2nd Service




3rd Service




4th Service




5th Service




Note: Maintenance costs are estimated and subject to change.

About Volkswagen Polo

The Volkswagen Polo is one of the best choices for a budget hatchback that offers superb performance. Moreover, the performance and features just get better with each progressive variant. The Polo also has a very impressive safety rating of 4 stars and amazing features like cruise control, automatic wipers, a 6.5-inch entertainment touchscreen, and more. Let’s take a look at the Volkswagen Polo specifications, features, and on-road price across cities.

Volkswagen Polo Specifications

Before buying a car like Volkswagen Polo, you should be aware of its specifications:


Volkswagen Polo specifications


18 kmpl


999 cc

Fuel Type


Boot Space

280 litres


Manual and automatic

Seating Capacity

5 people

Number of Cylinders

3 cylinders

Volkswagen Polo Features

The facelifted Volkswagen Polo comes equipped with amazing features like:

Power Steering



Climate Control

Fog Lights

Power Windows

Volkswagen Polo On-Road Price Across Cities

While the ex-showroom price of the car remains the same everywhere in India, the Volkswagen Polo on-road price differs from location to location depending on factors like local road and vehicle taxes, duties and fees, etc. Let’s take a look at the Volkswagen on-road price across major cities in India:


Volkswagen Polo On-Road Price


₹7.20 lakh


₹7.57 lakh


₹7.75 lakh


₹7.20 lakh


₹7.43 lakh

Note: These are current on-road prices and are subject to change over time.


If you are planning to buy a car, the Volkswagen Polo is a great choice that offers a lot of power and great features at a relatively affordable price. However, Volkswagen is known for its expensive service and repair costs, so buying a comprehensive insurance plan for your new car is a must. It will keep you protected against unexpected accidental expenses, theft, natural or man-made disasters, and more. You can get the best car insurance plans for your Volkswagen Polo at Bajaj Markets.

Check Out Car Insurance Partners Available at Bajaj Markets

FAQs on Volkswagen Polo Insurance

What is the Volkswagen Polo insurance cost?

You can check the Volkswagen Polo car insurance price using the - car insurance premium calculator. 

How much mileage does the Volkswagen Polo offer?

The Volkswagen Polo mileage is approximately 18 kmpl. 

Can I buy insurance for Volkswagen Polo online?

  Yes, you can buy Polo car insurance online at Bajaj Markets and other insurance websites.  

How can I check the IDV of my Volkswagen Polo?

You can check the IDV of your Polo car using any IDV calculator available online. 

How can I lower the cost of Volkswagen Polo insurance?

You can lower your car insurance premium costs by:

  • Comparing car plans online

  • Not purchasing add-ons

  • Using the No Claim Bonus

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