Ford Figo Car Insurance

Name: Ford Figo Car Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

The Ford Figo is a smart, compact hatchback that blends style, performance, and practicality making it a favourite among urban drivers and small families. Its peppy engine, agile handling, and modern features make every drive enjoyable, whether you're navigating city traffic or heading out on a weekend getaway.

But even the most reliable cars need protection. From minor dents to major repairs, unexpected incidents can lead to costly bills. That’s why having a Ford Figo car insurance plan is not just a legal requirement, but a smart move to safeguard your car and your peace of mind.

With IndusInd General Insurance (formerly Reliance General Insurance), you can buy or renew your Ford Figo insurance policy in just a few taps using the IndusInd Insurance app. Enjoy benefits like 24x7 roadside assistance, quick claim settlements, and the option to enhance your coverage with add-ons like Zero Depreciation and Engine Protect.

Why Us?

Why 8 Crore+ Policyholders Trust Us?

Ford Figo car insurance policy, you are covered against unpredictable road risks and rising repair costs. Our car insurance plans offer comprehensive financial protection and smooth, cashless repairs, ensuring your premium driving experience stays uninterrupted while safeguarding you from expensive accidental damages.

Model Car

15 plus add-on covers

Customise your Ford Figo insurance.

Up to 3 years coverage

Get long and short term coverage

Video claims feature

File claims via the IndusInd Insurance app

24/7 Customer Assistance

Get support from anywhere in India

Why Do You Need Ford Figo Insurance?

Legal Mandate

In India, it’s mandatory to have at least third-party insurance to drive your Ford Figo legally. Even if you use it occasionally, valid insurance is a must. Driving without it can lead to fines of ₹2,000–₹4,000 or even imprisonment for up to 3 months. A valid policy keeps you legally compliant and financially protected.

Covers Car Repairs

The Ford Figo is perfect for city drives, but daily commutes, potholes, and minor collisions can cause damage. Without insurance, repair costs can be a burden. A comprehensive Ford Figo insurance plan helps cover these expenses, ensuring your car stays in top shape without unexpected financial stress.

Covers Car Theft

Newer Ford Figo models with advanced features can cost up to ₹8 lakhs*, making them attractive to thieves. Comprehensive insurance protects you from financial loss in case of theft by reimbursing the IDV. With a Return to Invoice add-on, you can recover the full invoice value of your car.

Covers Natural Disasters

Floods, landslides, and storms can cause serious damage to your Figo, especially during monsoons. Even parked cars are at risk. A comprehensive policy with an Engine Protect add-on covers engine and electrical damage caused by water ingress, helping you avoid high repair costs.

Covers Fire and Fire-Related Damage

Fire damage can result from short circuits, lightning, or nearby fires. Even a parked car isn’t immune. Repairing fire-related damage can be expensive. A comprehensive Ford Figo insurance policy covers such risks, ensuring you’re financially protected from sudden and severe losses.

Network Garages and Spare Parts

Ford’s wide service network across India ensures easy access to authorised garages and genuine spare parts. With our insurance, you get cashless repairs at trusted network garages, ensuring quality service, faster turnaround, and peace of mind every time your Figo needs attention.

Types of Ford Figo Car Insurance Plans

Comprehensive Car Insurance

This all-in-one plan offers complete protection for your Ford Figo. It covers third-party liabilities and own damages caused by accidents, theft, fire, or natural disasters. You can also enhance your coverage with add-ons like Engine Protect, Zero Depreciation, and more—making it the most recommended plan for all-round peace of mind.

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Pay As You Drive Car Insurance

If you don’t drive your Ford Figo regularly, this usage-based plan is ideal. Premiums are calculated based on the number of kilometres you drive annually. You get the same coverage as a standard policy but at a lower cost. It’s perfect for low-mileage users, second-car owners, or those who use their car only on weekends.

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Third Party Car Insurance

This is the most basic and legally required plan for all Ford Figo owners. It covers damages to third-party property, vehicles, or injuries caused to others in an accident. While it doesn’t cover your own car, it ensures legal compliance. We also offer a 3-year bundled third-party plan for new car buyers for added convenience.

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Own Damage Car Insurance

This standalone policy is for Ford Figo owners who already have third-party insurance. It covers damages to your own car due to accidents, fire, theft, or natural disasters like floods and landslides. You can choose short-term or long-term plans, ranging from one month to a year, based on your driving needs.

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Key Features

Key Features of IndusInd Ford Figo Insurance

Key Features

Key Features	Descriptions
Starting Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

IndusInd Ford Figo Car Insurance: Inclusions & Exclusions

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What is Covered?

Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.

Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.

Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.

Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.

Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered

Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.

Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.

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What is not Covered?

Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage to your Ford Figo except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

Disclaimer: Please refer to the official policy documents for detailed inclusions and exclusions.

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Ford Figo Insurance Add-On Covers

Add-on covers are optional benefits that enhance your base Ford Figo insurance policy. They help personalise your premium, reduce out-of-pocket expenses, and offer protection tailored to your driving habits and lifestyle.

Nil Depreciation

This add-on ensures you receive the full claim amount without any deduction for depreciation on replaced parts like plastic, rubber, or glass—ideal for new or well-maintained Figos.

Pay As You Drive

Designed for low-mileage users, this cover calculates your premium based on the actual kilometres driven. It’s perfect for those who use their Ford Figo occasionally or own multiple vehicles.

Return to Invoice

In case of total loss or theft, this add-on bridges the gap between the IDV and the original invoice value of your Ford Figo, ensuring you recover the full purchase price of your car.

Daily Allowance Benefit

If your Ford Figo is in the garage for extended repairs post-accident, this cover reimburses your daily travel expenses, helping you manage alternate transport costs with ease.

EMI Protection

If your car is under repair for more than 21 days, this add-on helps by covering your monthly EMI payments, ensuring your finances stay on track even when your car is not.

Engine Protection

Protects your Ford Figo’s engine and gearbox from damage due to water ingress, oil leakage, or mechanical failure—especially useful during monsoons or in flood-prone areas.

Tyre Protection

Covers the cost of repairing or replacing tyres damaged due to road cuts, bursts, or bulges. It’s ideal for city drivers and those frequently navigating rough or uneven roads.

RIM Protection

Offers financial coverage for repairing or replacing damaged rims caused by potholes, curbs, or road debris—helping maintain your car’s performance and aesthetics.

Key Replacement

Covers the cost of replacing lost, stolen, or damaged keys and locks, including locksmith charges. A must-have for added convenience and peace of mind.

Consumables Cover

Reimburses the cost of consumables like engine oil, brake fluid, nuts, bolts, and other materials used during repairs after an accident—items usually excluded from standard policies.

24x7 Roadside Assistance

Provides emergency support across India, including towing, flat tyre change, fuel delivery, and breakdown assistance—ensuring help is always just a call away.

Loss of Personal Belongings

Offers compensation for personal items stolen or damaged from your locked Ford Figo during an accident or break-in, adding an extra layer of protection for your valuables.

Electrical Accessories

Covers additional electrical fittings like music systems, reverse cameras, or infotainment units installed in your Ford Figo, protecting your tech upgrades.

Non-Electrical Accessories

Provides coverage for non-electrical accessories such as seat covers, roof racks, or custom fittings, ensuring your car’s enhancements are financially protected.

Emergency Hotel Stay

If your Ford Figo breaks down during a trip and repairs require an overnight stay, this add-on reimburses your hotel expenses, keeping your journey stress-free.

How to Buy

How to Buy/Renew Ford Figo Car Insurance?

Model - Car

Buy Online

On top of this page, enter car registration and mobile number. Use our calculator below to estimate SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and the OTP. Next select your policy type and car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

Model - Car

Renewal Online

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

Add your car’s details, such as registration number.

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Ford Figo Car Insurance Premium

Your Ford Figo’s insurance premium is calculated based on several key parameters. Understanding these can help you make informed decisions, choose the right coverage, and even reduce your premium for better value.

Ford Figo’s IDV (Insured Declared Value)

The IDV is the current market value of your Ford Figo. A higher IDV means better coverage but also a higher premium. Choosing the right IDV ensures you’re neither underinsured nor overpaying.

Type of Coverage

Third-party insurance is mandatory and more affordable, while comprehensive plans offer wider protection. Opting for add-ons like engine or tyre protection increases the premium but enhances coverage.

Add-On Covers

Add-ons like 24x7 roadside assistance, return to invoice, or consumables cover offer extra protection. However, each selected add-on adds to your base premium, so choose based on your driving needs.

Car’s Make and Model

The variant, fuel type, and engine capacity of your Ford Figo influence the premium. Higher-end models with advanced features or larger engines usually attract higher insurance costs.

Claim History

If you haven’t made any claims in the previous policy year, you’re eligible for a No Claim Bonus (NCB), which reduces your premium. Frequent claims, however, can increase your renewal cost.

Installing Anti-Theft Devices

Equipping your Ford Figo with certified anti-theft devices can lower your premium. Insurers reward added security with discounts, as it reduces the risk of theft-related claims.

Ford Figo Key USPs

The Ford Figo is designed for modern city life, with a compact frame that makes it easy to navigate through traffic and tight parking spots. Its aerodynamic styling and bold grille give it a sporty look, while the spacious cabin ensures comfort for all passengers. However, frequent city driving can lead to minor dents and scratches. That’s where car insurance helps—by covering repair costs and keeping your Figo looking new.

The Ford Figo comes with a refined petrol engine that delivers a smooth and responsive drive. It offers impressive mileage of up to 20 km/l*, making it ideal for both daily commutes and long drives. However, driving through waterlogged roads or over long distances can increase the risk of engine wear. With the right car insurance and engine protection add-on, you can cover repair costs and drive worry-free.

The Figo is packed with features like touchscreen infotainment, Bluetooth connectivity, and dual airbags as standard. Higher variants offer ABS with EBD, rear parking sensors, and more. It’s a great choice for small families or first-time buyers. But even with safety features, accidents can happen. That’s why having comprehensive car insurance ensures you’re financially protected against unexpected damages.

Ford has built a strong reputation for quality and reliability, and the Figo is no exception. Its sturdy build, low maintenance costs, and wide availability of spare parts contribute to its strong resale value. If you plan to sell your Figo in the future, keeping it in top condition is key. With our insurance, you get access to 11,000+ network garages across India that use only genuine parts—helping your car retain its value.

How to File?

How to File a Ford Figo Claim?

How to File

Step 1: Inform Us

You must inform us within 24 hours and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage and drop off your car at your address.

Step 1: Initiate the Claim

To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval, we will transfer the claim amount directly to your bank account.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Ford Figo - Models and Prices

Ford Figo is available in multiple variants, each known for its reliability, fuel efficiency and elegant design. Ford Figo continues to be a favourite among car buyers.

Ford Figo Models	Price (as of August 2024)#
Ford Endeavour Diesel Titanium \| 4x2 Automatic	₹33,81,600
Ford Figo Petrol Titanium \| Automatic	₹7,75,000
Ford Mustang Automatic	₹74,62,000
Ford Aspire Petrol Titanium \| Manual	₹7,28,000
Ford Mondeo	Discontinued in India

Key Takeaways

If you use your Ford Figo to commute to work, run daily errands, or take your family on weekend getaways, you already know the value of this versatile hatchback. While the Figo is built for smooth city drives and occasional highway trips, it’s still vulnerable to the unexpected. From minor dents to major accidents or even theft, anything can happen on the road.

That’s why it’s important to protect your Figo with a reliable car insurance plan. With IndusInd Ford Figo Insurance (formerly Reliance Ford Figo Insurance), you get coverage starting at just ₹308/month*, 24x7 support, and a seamless digital-first experience.

Our plans cover accidents, theft, and damage from natural disasters like floods, landslides, and earthquakes. You also get legal protection through our third-party liability cover.

Plus, with 11,000+ network garages*, you enjoy cashless repairs without paying upfront. Claims can be filed easily via the IndusInd Insurance app using our video claims feature.

Don’t wait—get your Ford Figo insured today and drive worry-free!

Author - Model Car

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Rolls Royce insurance starting at just ₹308 per month*

Get full-circle protection for your Ford Figo!

From damage and theft to add-ons like roadside assistance, we’ve got you covered.

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

Suman

Noida

Limited policy options

A fair and simple process. The Car insurance covers the basics well.

Aniket

Chirawa

Value for money

Quick policy issuance

The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

Lonka Gopal Reddy

Vizianagaram

Quick policy issuance

I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

A Lakshmana Murty

Visakhapatnam

Quick policy issuance

The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Frequently Asked Questions (FAQs)

Does my second-hand Ford Figo require Car Insurance?

Yes, every Figo on Indian roads needs valid insurance, whether it is new or used. When buying a second-hand Figo, make sure the existing policy is transferred to your name or buy a fresh Ford Figo car insurance plan before driving it.

How can I lower my Ford Figo car insurance premium?

You can lower your Ford Figo insurance cost by earning a No Claim Bonus, installing an approved anti-theft device or choosing a voluntary deductible. Picking only the add-ons you actually need also helps keep your overall Ford Figo insurance price more manageable.

What is the best Car Insurance Plan for my Ford Figo?

Getting the right type of plan for you depends on how you use your Figo. If you drive daily, a comprehensive plan gives the most protection. Suppose you drive less, pay-as-you-drive works well. Third-party cover meets the basic legal requirement for all Figo owners.

Which documents do I need to claim my insurance cover?

You will typically need your Figo’s RC, driving licence, insurance policy copy, and an FIR if theft or a major accident is involved. For reimbursement claims, keep all garage bills and payment receipts ready before submitting your Ford Figo insurance claim.

Can I transfer my existing policy to a new car?

No, your existing Ford Figo insurance cannot be transferred to a different car. Each vehicle needs its own separate policy. However, if you sell your Figo, the insurance can be transferred to the new owner along with the car’s registration documents.