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Variants of Volkswagen Polo Car
The Volkswagen Polo comes with two engine options – both featuring 1.0l engines, but with MPI and TSI technologies respectively. It starts with the Trendline series, followed by the Comfortline, Highline Plus, Turbo Edition, GT, and Matt Edition, with options for both manual and automatic, except for the Trendline series, which only gets a manual transmission. There is no diesel option, so all variants come with only petrol as the fuel source.
| Top-selling Variants |
| Polo 1.0 TSI Highline Plus |
| Polo GT 1.0 TSI |
| Polo GT 1.0 TSI Matt Edition |
| Polo 1.0 MPI Trendline |
| Polo 1.0 MPI Comfortline |
| Polo 1.0 TSI Highline Plus AT |
Types of Volkswagen Polo Car Insurance HDFC ERGO Offers
The Polo is a solidly built car, boasting high quality materials and the widely famous German engineering. Which is why, any damage to your car can result in hefty repair costs, given the qualitative nature of the parts. That is why you need a good car insurance plan that would prevent significant out-of-pocket expenses and help in the upkeep of your Polo. Here are your options:
This is the recommended car insurance policy for the Volkswagen Polo, given that it covers against a plethora of threats to your vehicle. The single-year comprehensive insurance plan covers against damage to your own vehicle (Own Damage cover) as a result of an accident, and natural or manmade disasters such as earthquakes, floods, storms, rioting, vandalism, etc. It also includes a built-in theft cover that provides the IDV in case your vehicle gets stolen.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
This is the basic insurance plan that is mandatory for all vehicles to ply on the road. Third party insurance provides coverage only against damages to the third-party person or their property, while any damage incurred by your vehicle will have to be covered out of your own pocket.
Personal accident cover
Third-party property damage
Injury to a third-party person
The standalone own damage cover is that part of the insurance responsible for covering damage to your own vehicle in the event of an accident or due to natural/manmade disasters. You can buy a standalone own damage cover, if you already have a third-party liability cover, to ensure comprehensive protection.
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
Highly recommended for new cars and new car owners, the multi-year package insurance provides a three-year third-party liability insurance plan along with an annually renewable own damage cover, to ensure continuous and comprehensive coverage. It gives you the flexibility to choose the level of financial protection while keeping you minimally covered for an extended duration. Plus, you don’t need to manually renew your policy.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Volkswagen Polo Car Insurance
Under a comprehensive insurance plan, your Volkswagen Polo will be covered against theft, natural disasters, manmade calamities, and accidental damage. In addition, you will have a personal accident cover to take care of your treatment expenses in case of an accident, as well as a third-party liability cover for any injuries caused to a third-party person or damage to their property.
Accident
The own damage component of your Volkswagen Polo insurance provides the cost of repair for any damage to your car due to an accident. With Polo’s premium materials, it is imperative to avail a comprehensive insurance policy to ensure minimal out-of-pocket expenses, if any.
Natural or manmade calamities
Disasters strike without warning. One moment your garage is dry, the next, it can get flooded. Storms, floods, earthquakes can all damage your Polo, directly or indirectly. Similarly, human activities such as setting of fires, vandalism or even rioting can damage your Polo if it gets in the way. This is where your car insurance policy helps you maintain peace of mind.
Theft
Sometimes, despite the best security measures, your car may still get stolen, resulting in a significant financial loss. With a built-in theft cover, you stand to receive the IDV of the vehicle in case it is irrecoverable.
Personal accident
A personal accident cover of at least INR 15 lakhs is mandatory for all owners, in order to mitigate the cost of treatment in case of an accident.
Third-party liability
This takes care of your financial liabilities in case you cause injuries or damage to a third-party person or property.
Read the fine print carefully to understand what is not covered under your Volkswagen Polo car insurance policy. Insurance can never be all-encompassing due to the inherent nature of moving mechanical objects that are prone to wear and tear. Malfunctioning of certain components is inevitable over time, so, to keep the cost of insurance reasonable, there are a few exclusions.
Depreciation
Your car is going to depreciate every year in value, including its parts. In case of an accident, the idea is to replace your damaged part with a part of equal value. That is the reason why the insurer pays a certain amount (matching the existing value) for the new part, while you pay the rest, out-of-pocket, as depreciation cost.
Wear and tear
Mechanical moving parts that are subject to heat and friction are inevitably going to break down. Such natural wear and tear are not covered by your insurance policy.
Electrical breakdown
Electrical components can behave unpredictably and are susceptible to weather and physical disturbances. These are the reasons why electricals are not covered under the car insurance policy.
Illegal behaviour
Any illegal behaviour while driving your vehicle, can result in the rejection of your claim. This includes driving without a valid license, driving under the influence of alcohol or drugs, etc.
How to Renew Volkswagen Polo Car Insurance?
At present, renewing or buying a Volkswagen Polo car insurance policy is super quick and easy, with top insurers available online. Which means, visiting an insurer’s office is no longer a necessity, as you can renew your policy in a matter of minutes from the comfort of your own home.
Step #1Log onto the HDFC ERGO website or download the mobile app, and choose the renew option
Step #2Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3Provide your email ID and phone number, to receive the quote
Step #4Make the payment online, and voila! You’re secured.
Why Buy Volkswagen Polo Car Insurance from HDFC ERGO?
Choosing an insurer requires you to consider the following – customer base, claims settlement process and ratio, and tie-ups with local garages. Here’s why you should choose HDFC ERGO:
Cashless garages
Paying for repairs after an accident may not always be feasible. With over 8000 cashless garages across the country, you’re well covered in the event of an accident.
Easy claims
HDFC ERGO processes almost 80% of car insurance claims on the same day, ensuring that you have no reason to worry about your claim.
Overnight repair service
Sleep peacefully while your car gets repaired at one of our cashless network garages and gets delivered to you the next morning.
24x7 assistance
Never get stranded anywhere with our 24x7 assistance to help you with breakdowns, tows, etc.
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