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Skoda Car Insurance
If you plan to purchase a Skoda car, you must also consider getting a Skoda car insurance policy. With the help of a comprehensive car insurance policy for your Skoda car, you cannot only get compensated against third-party damages but also for any accidental damages sustained by your vehicle.
About Skoda Auto India Pvt Ltd.
Skoda Auto is a Czech automobile manufacturer which came into existence in 1895. Vaclav Laurin and Vaclav Klement founded the company, originally named ‘Laurin & Klement’. The company has its headquarters in Bohemia, Czech Republic.
The company ran into financial troubles, due to which they were bought by Skoda Works in 1925, and now it is owned by Volkswagen Group. India was the first non-European nation where the company established its production facility. The plant in Aurangabad produced Octavia in the beginning and later on started producing other cars.
Some popular Skoda car models in India are the Skoda Kushaq, Skoda Laura, Skoda Slavia, Skoda Octavia and Skoda Superb.
Skoda Car Models with Insurance Price
| Car Models (2023 Registration) |
Ex-Showroom Price | Insured Declared Value (IDV) | Zero Depreciation Cover | Skoda Car Insurance Premium (3 TP+ 1 OD cover) |
| Kushaq Active 1.0 TSI MT | Rs. 10,89,000 | Rs. 10,34,550 | Rs. 2,586 | Rs. 14,945 onwards |
| Kodiaq Style AT | Rs. 38,50,338 | Rs. 36,57,821 | Rs. 16,454 | Rs. 85,545 onwards |
| Kushaq Monte Carlo 1.0 TSI MT | Rs. 16,81,000 | Rs. 15,96,950 | Rs. 3,992 | Rs. 18,887 onwards |
| Slavia Active 1.0 TSI MT | Rs. 10,89,000 | Rs. 10,34,550 | Rs. 2,586 | Rs. 14,945 onwards |
**Disclaimer: The Skoda car insurance price for different variants depends on factors like Voluntary deductibles, NCB, add-ons, coverage opted, etc. The prices mentioned above for DL1 RTO.
Skoda Car Insurance Premium Calculator
Using a Car Insurance Premium Calculator, a policyholder can calculate the estimated premium of their Skoda car before purchasing a policy. Furthermore, this calculator can also compare different Skoda motor insurance plans.
Here are the details needed to use a Skoda car insurance premium calculator online:
- RTO of the car
- Car’s make, model, variant, and fuel type
- Car purchase year
- Previous claim details
- Car registration year
- Ex-showroom price
Coverage Under Skoda Car Insurance
- Compensation will be provided in case of third-party death, injury or property damage.
- Claims can be raised for any damage sustained by the insured Skoda car due to natural calamities like floods, landslides, rockslides, etc.
- Any damage caused to the insured car while it was in transit via land, air or water
- Losses arising out of the fire, explosion or self-ignition to the insured car
- A value equal to the IDV of the insured vehicle is given if there is a total loss due to theft or burglary.
- Damages to the insured car due to manmade activities like terrorist acts, riots, strikes, etc.
- Claims cannot be made for losses sustained by the insured Skoda car due to depreciation
- Any damage caused to the insured car when the driver was not carrying a driving license
- Damages to the insured Skoda car when the driver was drunk driving
- Losses sustained by the insured vehicle due to general wear and tear
- Damages caused to the insured Skoda car when it was being driven outside the geographical limits.
- Claims cannot be raised for damages if the insured Skoda car was being driven for commercial purposes.
Skoda Car Insurance: Add-ons
Additional covers offered at an additional premium amount under Skoda car insurance include:
- Personal Baggage Cover
- Tyre Protect Cover
- Consumables Cover
- NCB Protect Cover
- Zero Dep Cover
- Engine Assistance Cover
- Roadside Breakdown Cover
How to Buy Skoda Car Insurance Online?
Follow these easy steps to buy a Skoda car insurance policy online from Policybazaar.com:
- Select the “Car Insurance” tab from the homepage
- Select the “Brand New Car” option or enter your car number in the given form
- Select the car’s RTO
- Select your car details, such as car model, variant, fuel type and registration year.
- Fill in the form with your name, email and mobile number to register
- Now, from the mentioned Skoda car insurance plans, choose the desired plan
- Select any additional cover you wish to add to your plan
- Proceed with ‘Summary and Payment’
- Fill in the proposal form with the rest of the details
- Make a payment online using any of the payment methods
- Once you have made the payment, your Skoda car insurance policy documents will be mailed to you.
How to Raise a Claim Under Skoda Car Insurance?
To raise a Skoda car insurance claim, you can follow these steps:
- In case your Skoda car meets with an unfortunate accident, make sure to inform the insurance company as soon as possible
- The insurance company will send a surveyor to examine the extent of damages sustained by the insured four-wheeler
- You will also be required to submit some important documents for your claim verification
- Once verified, the damaged vehicle will be sent to a network garage for repairs
- After the repairs are done, the insurer will directly settle the claim with the authorised garage.
- If it's a reimbursement claim, the insurer will refund you the claim amount after the repairs.
Documents Required to Raise Skoda Car Insurance Claim
Documents that you will need to successfully raise a Skoda car insurance claim include:
- Duly filled and signed claim form
- Car insurance documents
- Car’s Registration Certificate
- Copy of Police FIR
- Bills of repair and repair estimates
Skoda Car Insurance FAQs
-
Q1. What factors determine Skoda insurance cost?
Ans: The following are some of the significant factors that determine the premium of a Skoda four-wheeler insurance policy:
- IDV of the car
- No Claim Bonus discount received
- Voluntary Deductibles
- The Car’s engine displacement
- Make and Model of the car
- Additional covers
-
Q2. Will I need any documents for Skoda car insurance renewal online?
Ans: No, you will not require any document to renew your Skoda car insurance policy from Policybazaar.com. All you need for renewal is some details of your Skoda car.
-
Q3. Can I purchase Skoda Slavia insurance online?
Ans: Yes, you can easily compare Skoda Slavia insurance quotes of multiple insurers on Policybazaar Insurance Brokers Private Limited and choose the desired plan.
-
Q4. Is it necessary to buy third-party car insurance for my Skoda car?
Ans: Yes. As per the motor laws of India, it is mandatory for every four-wheeler owner to have a third-party car insurance policy. Thus, to legally drive in India, you must have a third-party Skoda car insurance policy.
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Q5. What is the use of IDV in Skoda car insurance?
Ans: An IDV refers to the Insured Declared Value of the car. It is the current market value or a maximum sum insured fixed by the insurer or a policyholder. A value equal to the IDV is provided to the policyholder on theft or total loss of the insured vehicle.
Car Insurance By Manufacturers
Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.
