Volkswagen Virtus Car Insurance

Buy car insurance policy for your Volkswagen Virtus car online. Check Volkswagen Virtus insurance plans, coverage details, and steps to buy online.
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Buy/Renew Volkswagen Virtus Car Insurance
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3 min
29-April-2024

Volkswagen Virtus, a sleek and versatile sedan designed with a comfortable interior and smooth performance for both city cruising and long journeys. For owners, it's essential to financially protect their Volkswagen Virtus with comprehensive car insurance that covers repair costs and provides liability coverage for damages or injuries caused to third parties.

Volkswagen Virtus car models and insurance price

Refer to the table below for an estimated third-party insurance premium cost for Volkswagen Virtus car insurance. Premiums differ based on the chosen variant of the vehicle.

Volkswagen Virtus Variant Third-Party Premium Rates (FY 23-24)
Virtus Comfortline - 1.0L TSI MT Rs. 2094* Get Quote
Virtus Highline - 1.0L TSI MT Rs. 2094* Get Quote
Virtus Highline - 1.0L TSI AT Rs. 2094* Get Quote
Virtus Topline - 1.0L TSI MT Rs.2094* Get Quote
Virtus Topline - 1.0L TSI AT Rs. 2094* Get Quote
Virtus GT - 1.5L TSI DSG Rs. 3416* Get Quote
Virtus GT Plus - 1.5L TSI MT Rs. 3416* Get Quote
Virtus GT Plus - 1.5L TSI DSG Rs. 3416* Get Quote
Virtus GT Edge - 1.5L TSI MT Rs. 3416* Get Quote


Disclaimer: The above information is for Third-party premiums only. The Own Damage premium rates will depend on the specific model, variant, fuel type, place, the year of registration, IDV, add-on covers and various other factors.

Key inclusions of car insurance

Here are some of the key components included in car insurance policies:

  • Accidents: Car insurance for your Volkswagen Virtus provides coverage for damages incurred by unforeseen accidents.
  • Theft: If your car is stolen, insurance coverage extends up to the insured declared value mentioned in the policy.
  • Natural and man-made disasters: Your car insurance offers protection against both natural calamities such as fire and earthquakes, as well as man-made incidents like vandalism or acts of terrorism.
  • Personal accident: Coverage of up to Rs. 15 lakh is provided for the death or disability of the owner-driver resulting from an accident.
  • Third-party liabilities: Insurance provides protection for third parties in case of injury, disability, or death caused by your vehicle.

Key exclusions of car insurance

Here are some of the main exclusions of car insurance policies:

  • Normal wear and tear and depreciation: Excludes coverage for routine deterioration and value loss due to age and use.
  • Mechanical or electrical breakdown: Not covered as these are typically maintenance issues.
  • Driving under the influence: Excludes coverage for incidents under the influence of drugs or alcohol.
  • Driving without a valid driving licence: Damages during such instances are not covered.
  • Geographical limits: Damages outside specified territorial limits are not covered.

Car insurance add-ons you can consider

Add-ons are additional coverage options that can be bought along with a comprehensive car insurance policy for your Volkswagen Virtus. Here are some of the add-ons that you can buy along with your Volkswagen Virtus car insurance policy:

  • Zero depreciation cover: Receive the total claim amount with no depreciation deduction, ideal for new cars.
  • Engine protection cover: Protects against engine damage from water ingress or oil leakage, not typically covered by standard policies. Best for vehicles in areas susceptible to flooding.
  • Roadside assistance: Offers services such as towing, flat tyre changes, and emergency fuel delivery when your vehicle breaks down.
  • Return to invoice: Compensates the full invoice price of your car, rather than its depreciated value, if it's totalled or stolen.
  • Personal accident cover: Provides compensation for death or permanent disabilities due to a car accident.
  • No-Claim Bonus protection: Allows a certain number of claims without impacting your no-claim bonus, maintaining your discount even after filing claims.
  • Consumables cover: Covers the costs of consumables like engine oil and bolts during repairs, which are generally not included under a standard policy.
  • Key replacement cover: Reimburses you for the cost of replacing lost or stolen car keys.
  • Daily allowance benefit: Offers a daily cash benefit if your car is under repair for a lengthy period, helping with the costs of alternative transport.
  • Invoice price cover: Similar to Return to Invoice, this ensures compensation up to the invoice price in case of total loss or theft of the car.

How to buy/renew Volkswagen Virtus car insurance through Bajaj Finance Insurance Mall

Bajaj Finance Insurance Mall offers a convenient platform for you to buy or renew car insurance plans for your Volkswagen Virtus. Choose from plans offered by leading insurance partners and buy the policy in just a few clicks. Here’s how:

Step 1

Click on 'Get Quote' to open the online application form.

Step 2

Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the 'Get Quote' button below.

Step 3

Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.

Step 4

Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

Step 5

Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on 'Proceed'.

Step 6

Enter the vehicle owner's name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as mentioned in RC) and previous policy details.

Step 7

Recheck your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to complete the application process.

Step 8

That’s it. You have successfully secured your Volkswagen Virtus with a car insurance policy.

Car insurance claim process

A cashless car insurance process allows your Volkswagen Virtus to get repaired at a network garage without upfront payment. Below is a simple guide for the cashless car insurance claim process:

Notify your insurance company about the accident or incident via phone, website, or app.

  • Provide all necessary details to the authorities, especially in cases of accidents, theft, or fire, and file an FIR if required.
  • Take photos of any damage to your Volkswagen Virtus and any injuries immediately as evidence for your insurance claims.
  • If your Volkswagen Virtus requires towing, contact your insurer for assistance and direct the tow to the nearest network garage for repairs without upfront payment.
  • Have your Volkswagen Virtus documents and driving licence available for the insurance company’s surveyor to review.
  • The surveyor will assess the damage, create a report, and send it to your insurer to establish the claim amount.
  • Following the review, your insurer will decide whether to accept or reject the claim.
  • If the claim is approved, the garage will begin repairs on your Volkswagen Virtus, with the insurer paying the garage directly after the repairs are completed.

Reimbursement claim process

The reimbursement claim process involves paying for the repair bills upfront and later seeking reimbursement from your insurer. Below is a step-by-step guide for the reimbursement of your Volkswagen Virtus car insurance:

  • Initiate your claim by informing your insurance company about the incident.
  • Take your Volkswagen Virtus to any preferred workshop or garage for the necessary repairs.
  • A surveyor appointed by your insurer will assess the damages at the garage.
  • The surveyor will prepare and send a claim report.
  • After the repairs, you will receive a bill from the garage which you will need to pay.
  • Submit the original repair bills along with a reimbursement claim form to your insurance company.
  • Your insurer will review the repair bills and process the claim, reimbursing your costs accordingly.

Documents required in the claims process

Here is the list of documents you may need while filing a claim for your car insurance policy:

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original keys to the vehicle
  • RTO transfer papers duly signed with Form 28, Form 29 and Form 30
  • No Trace Report from the police in cases of theft of the vehicle
  • The original bills for the repairs of the car to claim the four-wheeler insurance policy

Note: Check with your insurer in case you require more documents depending on the nature of the claim.

Frequently asked questions

What factors affect the Volkswagen Virtus car insurance premium amount?
Several factors such as the car model, age, cubic capacity, fuel type, RTO location, Insured Declared Value (IDV), and claim history influence the insurance premium for your Volkswagen Virtus.
How can I reduce my Volkswagen Virtus insurance premium?

The following are ways you can reduce your Volkswagen Virtus insurance premium:

  • Opting for a higher deductible
  • Installing safety features
  • Maintaining a clean driving record
  • Availing a no-claim bonus
  • Comparing quotes
Will the insurer inspect my Volkswagen Virtus car before renewal?
Yes, your insurer might inspect your Volkswagen Virtus before policy renewal, especially if your insurance has lapsed. This inspection is to assess the current condition of the vehicle and identify any pre-existing damage, ensuring that the new policy terms accurately reflect the vehicle’s state. Always check with your insurer for specific requirements.
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*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is exclusive of taxes for third party coverage of four-wheeler up to 1,500 CC. Premium may vary based on the specification of the vehicle.