Volkswagen Polo Car Insurance

Ever since its launch, Volkswagen Polo is one of the most popular hatchback cars that is driven on Indian roads. This five-seater hatchback car is available in eight features in both diesel and petrol engines. The manufacturers of the car claim to provide a mileage of 15.62 kmpl. With an affordable price that ranges from Rs. 5.70 lakhs to Rs. 9.14 lakhs (ex-showroom rates), Volkswagen Polo is available in seven colors – Lapiz Blue, Carbon Steel, Toffee Brown, Flash Red, Sunset Red, Reflex Silver, and Candy White. If you want to purchase this car, you can check-out its features and Volkswagen Polo Insurance price as you read on.

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Features of Volkswagen Polo

Mentioned below are some of the salient features of the Volkswagen Polo car:

  • The car comes with rain sensing wipers
  • It has cruise control.
  • It is fitted with a 'Climatronic' automatic air-conditioner.
  • It is equipped with a pollen and dusting filter.
  • It comes with a height-adjustable driver seat.
  • It consists of speed-sensitive electronic power steering.
  • The steering, telescopic, and tilt of this car are adjustable.
  • It has a digital clock and fuel gauge.
  • This car consists of a central locking system with a boot opener with the Volkswagen logo.
  • It consists of front intermittent wipers with a four-step variable speed setting.
  • It has a vanity mirror with a left-side sun visor.
  • It comes with a ticket holder on the right side sun visor.
  • It is fitted with an R14 steel spare wheel.
  • It consists of a push to open the fuel lid.
  • It is equipped with a lane change indicator.
  • It has power windows in all the doors.
  • It comes with a rear windshield wiper and washer.
  • It is equipped with remote-controlled central locking.
  • It has speed-sensing auto door locks.
  • It consists of Monochrome Multi-Functional Display (MFD) that includes the distance traveled, traveling time, digital speed display, fuel-efficiency, average speed, distance till empty, and speed warning.
  • It has a rear parking sensor.
  • It comes with fog lamps.
  • It consists of three-point front seat belts, lap belts in the middle, and rear outer seat belts.
  • It has an auto-dimming interior rear-view mirror.
  • It comes with an anti-lock braking system (ABS)
  • It is equipped with dual-front airbags on the passenger and driver side.

Volkswagen Polo Car Specification

Here are the specifications of the Volkswagen Polo:

Categories Specifications
Engine 1.5L TDI
Displacement 1498 CC
Cylinder 3
Maximum Power 90 PS @ 4200 rpm
Maximum Torque 230 Nm @2500 rpm
Mileage 15/62 Km/l
Suspension Front: McPherson Strut with stabilizer barRear: Semi-independent trailing arm
Transmission 5-Speed Manual
Fuel Variant Petrol
Fuel Tank 45 L

Volkswagen Polo Car Model Variants with Car Insurance Price

Volkswagen Polo Variants Ex-Showroom Prices Estimated Volkswagen Polo Insurance Price*(Comprehensive Car Insurance)
Volkswagen Polo 1.0 MPI Trendline (Petrol) (Base Model) Rs 6,01,500 Rs 28,145
Volkswagen Polo 1.0 MPI Comfortline (Petrol) Rs 6,96,000 Rs 31,364
Volkswagen Polo Turbo Edition (Petrol) Rs 6,99,000 Rs 31,347
Volkswagen 1.0 TSI Highline Plus (Petrol) Rs 8,34,200 Rs 36,072
Volkswagen Polo Red and White Edition (Petrol) Rs 9,19,500 Rs 38,859
Volkswagen Polo 1.0 TSI Highline Plus AT ‘(Petrol) Rs 9,45,200 Rs 39,854
Volkswagen Polo GT 1.0 TSI (Petrol) (Top Model) Rs 9,92700 Rs 41,472

*Disclaimer: The price of Volkswagen Polo insurance may vary according to RTO, type of coverage, claim history, etc.

Volkswagen Polo Car Insurance Inclusions

The Volkswagen Polo insurance policy provides the following coverage:

  • Third-Party Liability Cover: An accident may result in third-party liabilities like death, bodily injury, permanent/temporary disability, damage to property of a third-party. This plan can compensate you for all these third-party liabilities. Third-party property damage coverage is limited to Rs. 7.5 lakhs. The compensation amount in all such cases decided by court’s law.
  • Standalone Own-Damage Cover: This plan provides own-damage cover incurred by your car due to some natural calamity, accident, riots, fire, etc. This plan provides cover for the theft of your car as well.
  • Comprehensive Coverage: This is a bundle cover that provides you the insurance against both own damage and third-party liability that may be incurred by your car due to a mishap.

Add-On Covers Available Under Volkswagen Polo Car Insurance

In addition to basic Volkswagen Polo car insurance provides add-on coverage for extending the insurance cover. An owner of this car can buy the below-mentioned covers by paying an additional Volkswagen Polo Car Insurance price:

  • Zero depreciation cover
  • Windshield glass cover
  • Voluntary deductible cover
  • Full invoice price insurance cover
  • Loss of baggage cover
  • Spare car clause
  • No Claim Bonus (NCB) protector
  • Replacement of key cover
  • Tire cover
  • Lifetime road tax clause
  • Vehicle Replacement Value Plus Clause
  • Enhanced Personal Accident (PA) cover

Volkswagen Polo Car Insurance Exclusions

The Volkswagen Polo policy does not provide insurance coverage for the expenses that may arise due to the following:

  • Damage or loss incurred outside the mentioned geographical region.
  • An accident that has incurred due to nuclear exposure.
  • Damage or loss incurred due to speeding the car under the influence of alcohol or any other intoxicating drug.
  • Damage because of war-like situation.
  • Wear and tear due to depreciation or because of any other consequential loss.
  • Electrical and mechanical breakdown.
  • Damage because of a person who is driving the vehicle without a valid driving license.
  • Tyre damage unless and until the vehicle is as well damaged.
  • If your Volkswagen Polo is used for speed testing, pacemaking, for hire or reward, organizing the race, and reliability trails.

How to Buy Volkswagen Polo Car Insurance Online?

Anybody can buy a Volkswagen Polo car insurance online easily. Follow the steps given below to purchase a Volkswagen Polo insurance policy online:

  • Visit a website that provides Volkswagen Polo online insurance services, like
  • Click on the Car Insurance icon on the homepage
  • Enter your Volkswagen Polo car number or provide other details of the vehicle, such as model variant, fuel type, RTO, registration year, etc.
  • Fill up the given form with your contact details
  • Choose your preferred Volkswagen Polo car insurance cover
  • Several Volkswagen Polo car insurance plans from different insurers will be displayed
  • Choose the ideal policy for your Volkswagen Polo car and pay the premium online
  • The motor insurance company will issue a Volkswagen online insurance policy to you

How to Renew Volkswagen Polo Insurance Policy Online?

The Volkswagen Polo car insurance renewal online process is extremely simple. It is important to carry out the Volkswagen Polo insurance renewal of the car before the expiry date. Here are the steps to be followed to ensure Volkswagen car insurance renewal online:

  • Go to the website that offers Volkswagen Polo insurance renewal online
  • Click on the option of policy renewal and select car insurance
  • Choose the details of your Volkswagen Polo, such as its model, registration year, RTO, etc.
  • Provide details of your previous Volkswagen Polo vehicle insurance policy, including claim history and policy expiry date
  • Enter your contact details, such as phone number and email iSelect the Volkswagen Polo car insurance renewal plan for your vehicle
  • Pay the Volkswagen Polo insurance price for the selected plan
  • The Volkswagen Polo insurance renewal online will be done

Volkswagen Polo Car Insurance FAQs

  • Q: Which factors affect the premium of Volkswagen Polo insurance?

    Ans: The amount of the insurance premium of your Volkswagen Polo is determined by many factors and majorly it depends on the Insured Declared Value of the vehicle. Insured Declared Value or IDV of a car is the maximum amount that an insurer compensates to the insured in case of an accident/mishap and it considers the rate of depreciation of the vehicle.
  • Q: Does my second-hand Volkswagen Polo require car insurance?

    Ans: Yes, every car that is being driven on the roads of India requires a car insurance policy and so does the case with Volkswagen Polo Car insurance. As per the Motor Vehicle Act, 1988, having a third-party car insurance policy is compulsory for every car/two-wheeler that is running on the roads of India. In addition to this, if you are caught without an insurance policy, you may be fined Rs 2,000 or can be in prison for at least three months.
  • Q: What is the No Claim Bonus in car insurance for my Volkswagen Polo?

    Ans: The No Claim Bonus or NCB is the award that is given by the insurer to its policyholder in case he/she does not make any claim in the previous claim term. This means for every claim-free year you get a discount. This discount or NCB is cumulative and may go up to 50% in the fifth claim free-year.
  • Q: How does the Insured Declare Value is calculated for a Volkswagen Polo car?

    Ans: The IDV is calculated by reducing the rate of depreciation of the vehicle from the selling price of the manufacturer.
    • Q: What is Zero Depreciation cover in vehicle insurance for my Volkswagen Polo?

      Ans: It is an add-on cover that you can buy with each own-damage insurance cover. However, this add-on cover can be availed by car owners who have cars less than five years old and their cars are used occasionally in a year.
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