Audi insurance

• Audi A1
• Audi A3 (incl. Sportback, Limousine, Cabriolet)
• Audi A4 (including Avant, Allroad, Limousine)
• Audi A5 (Coupe, Sportback, Cabriolet)
• Audi A6 (Avant, Allroad, Limousine)
• Audi A7 Sportback
• Audi A8 (Limousine)
• Audi Q2
• Audi Q3 (incl. Sportback)
• Audi Q4 e-tron (and Q4 Sportback e-tron)
• Audi Q5 (incl. Sportback)
• Audi Q7
• Audi Q8 (incl. Sportback)
• Audi SQ7, SQ8
• Audi Q8 e-tron (and Q8 Sportback e-tron)
• Audi TT (Coupe, Roadster)
• Audi S models (S3, S4, S5, S6, S7, S8)
• Audi RS models (RS3, RS4 Avant, RS5 Coupe/Sportback, RS6 Avant, RS7 Sportback, RS Q3, RS Q5, RS Q8)
• Audi R8 (Coupe, Spyder)
• Audi e-tron (SUV, Sportback)
• Audi Q4 e-tron / Q4 Sportback e-tron
• Audi Q8 e-tron / Q8 Sportback e-tron
• Audi e-tron GT (and RS e-tron GT)

• Audi 50
• Audi 80
• Audi 100
• Audi 200
• Audi V8
• Audi Coupe GT
• Audi Quattro (Ur-Quattro, 1980)
• Audi 80 Cabriolet
• Audi S2
• Audi RS2 Avant (1994)
• Audi A4 B5/B6
• Audi A6 C4/C5
• Audi TT (first generation, 1998)
• Audi TT 3.2 Quattro
• Audi Allroad Quattro (first generation, 2000)
• Audi R8 (first generation, from 2007)
• Audi S4 and RS4 (early 2000s)

You can also get insurance for older models of Audi. Check out the options for vintage car insurance.

You can configure an Audi entirely according to your own wishes. Think for example of a ceramic braking system, nappa leather or alloy wheels. Accessories are usually covered up to about €1,000. Do the accessories exceed the maximum value of the standard coverage? Then you can purchase additional coverage from many insurers.

In what way this is co-insured varies by insurer. Some insurers offer a separate additional insurance with which you determine the insured amount, while others include accessories in a broader package with additional coverage.

Do the changes go beyond standard accessories? Then it's good to know that tuning can usually be co-insured as well. Consider, for example, ECU tuning, aftermarket exhaust systems and upgraded intercoolers.

Have you modified your Audi with a sport exhaust, lowered suspension or chipped engine block, for example?

• Physical modifications (hybrid turbo, sport exhaust, custom air intake, rims) can often be co-insured if you specify them.
• Software tuning (e.g. Stage 2 or Stage 3 ECU upgrades or DSG software) is usually excluded. Damage resulting from this will then not be reimbursed.

Do you make any changes to your car? If so, notify your insurer and keep in mind that this may affect your premium.

The best insurance for your Audi depends on the age, value and use of the car. For new or valuable models, All-risk coverage is often the best choice. Older Audi's are usually fine with WA or WA+ insurance. Compare several insurers and pay attention to additional coverages such as roadside assistance, replacement transportation and body repair at brand name garages.

A All-risk insurance is especially recommended for a new or expensive Audi, such as an A6, Q5 or e-tron. This coverage also covers damage caused by your own fault and vandalism, which in premium cars can save considerable costs. For older Audi's All-risk is often not cost-effective; WA+ coverage is then sufficient.

Many Audi drivers choose:

• Breakdown insurance (especially for those who drive a lot or go abroad),
• Legal assistance in claims disputes,
• Indemnity insurance for occupants,
• Accessory coverage for expensive options (e.g., navigation or rims).

Audi's are considered premium cars: sporty, luxurious and often with powerful engines. As a result, premiums tend to be a bit higher. Factors include:

• value of the car,
• type (e.g., A1 vs. RS models),
• age driver,
• claim-free years.

Certain models, such as the Audi A3 and A4, are relatively common in theft figures. Insurers take this into account. Additional security measures (class 3 alarm, vehicle tracking system) can lower the premium or sometimes even be mandatory.

Audi's older than 15 years often fall under a youngtimer scheme. Then the insurance premium is often lower, but you pay tax on the fair market value (daily value), which can be interesting for business drivers.

In case of damage to your Audi, you can go to affiliated repair shops of your insurer. If you choose a brand name repairer or Audi dealer, it is important that this falls within your policy. Some insurers offer branded repairs as standard, while others charge a premium. Check this carefully to avoid unexpected costs.

Yes, sporty Audi's such as the S or RS line often carry higher premiums and stricter terms and conditions. Some insurers offer specialized packages with extra coverage for accessories or track use. It is smart to choose an insurer that has experience with sports cars to avoid hassles in the event of a claim.

For a used Audi, the right coverage depends on the daily value and year of construction. If your Audi is less than 6 years old, WA+ or All-risk may still be relevant. For older models (6 years or older), WA or WA+ insurance is often sufficient. With WA+, pay particular attention to coverage for theft, storm and windshield damage.