Volkswagen Virtus Car Insurance

From the German carmaker Volkswagen, the Virtus is a striking sedan that was launched in India in 2022. If you plan on buying the Virtus, remember that purchasing car insurance as well is of paramount importance. Without a Volkswagen Virtus insurance plan in place, you will have to bear any unexpected costs of repairing or restoring your car to its original state following an accident or a calamity. Read more about the best car insurance plans for your Virus and how you can buy one. 

Check Insurance Premium for Volkswagen Virtus Variants

The exact Volkswagen Virtus insurance price is hard to estimate since the vehicle is yet to be launched in India. Those looking to buy the Volkswagen Virtus can get an approximation of their Volkswagen Virtus insurance cost by using an online insurance calculator.

How to Buy Volkswagen Virtus Insurance Online?

Should you choose to purchase Virtus, it’s best to do your due diligence about the type of insurance that suits your needs on your own. After that, you can buy Volkswagen Virtus car insurance online in just a few minutes. Here’s how:

 

• Visit the  Visit the car insurance calculator page on Bajaj Markets.

• Enter your car’s registration number and your mobile number.

• Fill in the other details required by the online application form.

• You will be shown a number of insurance policies based on your preferences. Select the one that best suits your needs.

• Then, check the Volkswagen Virtus insurance cost and make the payment online for your chosen policy.

• Upon completion of the payment, the insurer will send you your policy documents via email.

How to Renew Volkswagen Virtus Insurance Online

You can also renew your existing Volkswagen Virtus insurance policy online without having to go through the hassle of visiting your insurance provider’s branch. You can renew your Volkswagen Virtus insurance in India by following these steps:

 

• Go to the website of your insurance provider.

• Enter your vehicle’s registration number as well as your phone number.

• Then, enter the details of your existing policy or policy which has expired.

• You can check your Volkswagen Virtus insurance renewal price.

• Make your premium payment online.

• After the payment is complete, you can download your renewed insurance policy.

Why to Insure Volkswagen Virtus

Owning a Volkswagen car is a dream for many and can take a lot of prudent financial planning. This is why it's important for you to insure your vehicle. It prevents you from incurring more expenses later on regarding repairs. Let’s take a closer look at some of the major reasons why one should go for Volkswagen Virtus insurance:

 

• Getting a car insurance plan is compulsory under the Indian Motor Vehicles Act, 1988.

• You do not have to pay for repairs in case damages occur under most circumstances.

• An insurance policy protects the owner-driver in the event of a disability and their dependents in case of death.

• Your Volkswagen Virtus insurance will help you pay for your car repairs with the cashless option at one of your insurer’s network garages.

Types of Volkswagen Virtus Car Insurance

Just like any other market, the insurance market has evolved so much that customers now have a range of options to choose from. Largely, there are two types of plans that you can purchase when looking for a Volkswagen Virtus insurance in India:

• Third-party insurance

Compulsory under Indian law, third-party insurance protects owners from paying for damages that may have been incurred by third parties. Third-party car insurance typically covers death, property damages, disability or injuries to someone other than the vehicle’s owner-driver.

• Comprehensive insurance

Such a cover is aimed at extending all-around protection to the Volkswagen Virtus. Comprehensive Volkswagen Virtus insurance covers the damages that may occur to the owner of the vehicle and third parties. It also covers damages that may stem from man-made or natural disasters, theft, fire and personal accidents cover.

Inclusions

When opting for a Volkswagen Virtus insurance, you can choose from a number of inclusions. Here are some inclusions of the comprehensive plan:

 

• Personal accident cover for disability and death for the owner-driver

• Third-party damages like death, disability, property damage and injury

• Own damages including disasters, both man-made and natural, theft and accidents.

Exclusions

An insurance plan doesn’t cover you from every damage. Before you invest in one, you should know what are the things excluded from your Volkswagen Virtus car insurance. Here’s a list:

 

• Damages occurred while driving under the influence of drugs or alcohol

• Using a private Volkswagen Virtus for commercial purposes

• Illegal use of the car

• Repairs arising from the daily wear and tear

• The cost of depreciation of the different Volkswagen Virtus parts

Add-on Covers for Your Volkswagen Virtus Car

Did you know that you can go beyond your insured declared value and get more out of your Volkswagen Virtus insurance? Most insurance providers offer add-on covers on top of your insurance plan. These sachetised additions can extend more well-rounded security to your Volkswagen Virtus. Here’s a list of the common add-on covers you can purchase:

• Zero Depreciation Cover:

If you purchase this zero-depreciation car insurance cover, the depreciation of the vehicle is not taken into account when calculating insurance claims, which helps you claim more value from your Volkswagen Virtus insurance plan.

• Emergency Assistance Cover:

Should you be stranded due to any incident such as a flat tyre or engine trouble, you can call your insurer’s help-line and avail of 24x7 roadside emergency assistance in the form of towing support, breakdown assistance and much more.

• Engine Protect Cover:

This engine protection cover, covers the cost of repairs to your vehicle’s engine, including repairs and replacement of pistons, rods and other such parts.

• No-Claim Bonus Protection Cover:

Car insurance plans typically offer you a no-claim bonus benefit which is applicable in the event that you don’t raise any insurance claims in your previous policy year. The NCB Protection Cover in car insurance ensures that your NCB remains intact even after you raise a fixed number of claims.

Volkswagen Virtus Insurance Claim Process

Often, policyholders fumble while filing their claims, despite having thoroughly researched their plans while buying them. Usually, the situation in which you must file a claim can be stressful. This is why you should know the claims process like the back of your hand. We’ve laid out the process of filing claims, for both cashless claims and reimbursements, on your Volkswagen Virtus insurance:

For reimbursements:

• Register an FIR if theft or damage due to third parties has occurred

• Now, inform your insurance company of the incident

• You can choose to get your Volkswagen Virtus repaired in any garage

• Then, provide your insurer with all the required bills of repair as well as a copy of the FIR

• Have your documents verified by the insurer

• Your claims amount will be reimbursed in your bank account.

For cashless claims:

• Dial your insurance provider’s toll-free number and bring the claim to their notice

• Get your vehicle repaired at any of the network garages registered with your insurer

• Turn over all the required documents to your insurer

• The bill will be settled without your intervention between the garage and the insurer.

 

We talk about how you must submit the relevant documents at the time of raising a claim against your Volkswagen Virtus insurance. What are these documents? Here’s a list:

 

• The car insurance claim form

• Original bills and receipts for the repair work

• Your Volkswagen Virtus certificate of registration

• Your Volkswagen Virtus policy document

• A copy of the FIR if theft has occurred

• Your driver’s licence

How to Reduce Insurance Cost of Volkswagen Virtus

Policyholders often feel like the insurance premium goes to waste when they do not raise any claims. If you’re one of them, you can ensure that you pay a lower premium amount by adopting a few of these pointers:

• High voluntary deductible:

You can opt for a high voluntary deductible under which you will be required to pay a part of the total claim amount in exchange for a discount on your premium amount.

• No claim bonus:

Policyholders can earn no-claim bonuses by not raising a claim within a given policy year. The bonus is typically not paid-out but adjusted towards the premium of the following year.

• Thorough research:

By conducting proper research and comparing the plans offered by various insurers, you can choose the one with the lowest premium.

• Pay for small repairs:

Instead of raising a claim each time there’s a need for repair, you can pay for small ones out of your own pocket. This way you can earn no-claim bonuses and reduce your overall premium amount on your Volkswagen Virtus insurance.

• Discounts:

Many insurers offer discounts to customers who have a good track record of safe driving, or have anti-theft devices installed in their vehicle.

Top Tips to Maintain Your Volkswagen Virtus

The best type of insurance is to take care of your vehicle so that the opportunity for damage doesn’t arise in the first place. A responsible car owner takes care of brake fluid levels, condition of the spark plug, interiors and fuel economy. Apart from practising safe driving practices, here is a list of things you can do to maintain the upkeep of your car:

• Engine maintenance:

While there’s little you can do to maintain your engine from inside other than use clean fuel, you must also make sure that you keep the engine exterior clean by dusting, wiping and getting rid of surficial debris.

• Tyre pressure checks:

Car tyres can easily develop cracks. Objects can also cause punctures on the surface, not to mention the everyday wear and tear. This is why you must regularly perform tyre pressure checks to avoid bursts.

• Battery maintenance:

Learn all about your car battery – its location, and how to disconnect and clean it to avoid damage.

Volkswagen Virtus Maintenance Cost

Regular maintenance of your Volkswagen Virtus will be a must for the long-term upkeep of your car. However, the maintenance cost of each vehicle is different. Therefore, before you decide to buy the car, remember to check what maintaining it would cost. Since the Volkswagen Virtus is yet to be released, we can take cues about its actual maintenance cost from its predecessor that it will replace, the Volkswagen Vento. Here’s an estimate of the Volkswagen Virtus maintenance cost:

Note: If any service costs and replacement costs are mentioned above, it is meant to be merely indicative. The actual cost applicable to you may vary.

About Volkswagen Virtus

Volkswagen Virtus is a design-forward sedan set to be launched in India in 2022. Expected to be priced between Rs 9 Lakhs and Rs 12 Lakhs, the Virtus will rival the Hyundai Verna, Honda City and the Skoda Slavia. It will be available in two engine variants with a 7-speed DSG transmission. Thanks to its legendary German engineering, the car is a much-awaited launch in India this year.

Volkswagen Virtus Variants

The Volkswagen Virtus will be available in three variants as follows:

On Road Price in Top Cities

Here’s what the Volkswagen Virtus will cost in major Indian cities:

Features of the Volkswagen Virtus

In keeping with its brand name, the Volkswagen Virtus will offer the following features:

Conclusion

Among the most popular car releases to watch out for, the Volkswagen Virtus is unlikely to disappoint. However, before you make up your mind about buying the car, make sure to know all about its features - in and out - along with the car insurance requirements. Purchasing a Volkswagen Virtus insurance will help protect you from incurring huge expenses on your vehicle’s upkeep.