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Skoda Car Insurance

Škoda Auto India Pvt Ltd. has been serving India since November 2001 as a part of Škoda Auto, one of the largest car companies in Europe. It has set up a top-notch manufacturing plant in Shendra near Aurangabad in Maharashtra.

ŠKODA Auto has 4 models running on Indian roads—Rapid, Yeti, Octavia and New Superb.

ŠKODA Auto strictly believes in its principle of using the advanced technology to assure that the cars are made to the highest standard and are available at winning prices. This dedication also stretches to the excellent quality, the best services, and care for the environment.The Octavia was the original domestically produced Škoda in India.

Top 5 most insured Skoda models

ŠKODA Rapid

The Škoda Rapid is a subcompact car manufactured by Škoda India since November 2011. It highlights a comparable front end layout with the second generation of the Škoda Fabia but is based on the modern PQ25 platform of the Volkswagen Group. Interior wise, the cabin is quite similar to its Volkswagen equivalent, except the instrument panel, Škoda steering wheel, gear lever, and audio system. Loaded with excellent features, Škoda Rapid offers a mileage of 12 kmpl for its Petrol variant and 19 kmpl for Diesel variant.

ŠKODA Fabia

Currently discontinued model, however, you can still renew the insurance for your current Fabia.

ŠKODA Laura

Currently discontinued model, however, you can still renew the insurance for your current Laura.

ŠKODA Octavia

The ŠKODA Octavia is one car to consider. Its chiseled lines and bright form cover an engine that can take you from halt to exhilaration in a flash. 12-way electrically adjustable driver’s seat, Bi-Xenon Curve Projector Headlights, picturesque sunroof, and a multitude of other smart and sensible features make it a larger, stronger and better successor to an exceptional legacy.Manual Transmission Octavia offers a mileage of 19 kmpl for its Diesel variant and 15 kmpl for Petrol Variant. Likewise, the Automatic Transmission Diesel Variant provides a mileage of 17 kmpl and for Petrol Variant, it is 13 kmpl.

ŠKODA Superb

With The signature angular contours and dynamic fine lines reflect, ŠKODA's Superb invites you in every way. It's the perfect blend of chirpy display of precision and persistence. The Superb highlights an abundance of compartments, pockets, and holders, keeping your classic interior neat, and your belongings secure from loss, wreckage or spillage.Superb comes with the new generation of engines that offers exceptional warmth without negotiating on performance or the environment. As per ARAI, ŠKODA Superb provides a mileage of 11 kmpl in Petrol variant and 15 kmpl for Diesel variant.

Why Is It Important to Insure Your Skoda

  • Covers for any damages/losses caused to the third party

  • Comprehensive coverage for your own car.

  • Benefits of cashless transactions through network garages.

  • Protection for your car against theft, natural calamities, fire etc.

Essentials about Insurance for your Skoda

Third-party Liability Insurance:
  • Covers bodily injury and /or death of third party
  • Property damage to third party
Comprehensive Coverage
  • Third-party coverage
  • Loss and damage to the vehicle due to accident, theft, natural calamities, etc.
  • Personal accident cover for the occupants
What car insurance covers for your Skoda car
  • Loss or damage caused by natural calamities
  • Total loss because of fire, explosions or an act of terror
  • Total loss because of theft
  • Personal accident cover which could include passengers also
  • Own-damage cover
  • Third-party liability cover
What car insurance does not cover for your Skoda car
  • Normal Wear and Tear and Electrical or Mechanical Breakdowns
  • Damage to Tyres (unless vehicle also damaged)
  • Driver without a Valid Driving License
  • Driving under the influence (DUI) of intoxicants such as liquor or drugs
  • When the vehicle is used for any illegal purpose
  • Third-party liability cover
  • Usage outside geographical limits
  • Vehicle is used for Hire or Reward, Carriage of Goods, Organised Racing, Pace Making, Speed Testing, Reliability Trials
  • Nuclear Wars and Perils

Protect Your Skoda Thoroughly with These Worthy Add-ons

Choose The Right IDV
ZERO DEPRECIATION COVER

A Zero Depreciation Cover, commonly known as Nil Depreciation Policy, covers for a full claim for plastic, rubber, glass or fiber parts.

Avail No Claim Bonus
ENGINE PROTECTION

If you live in one of those areas that are prone to heavy rainfall, this cover is a must for you. It protects you against the expenses involved in the repair of your car’s engine in case it is damaged due to submersion in water.

Install security devices
NO CLAIM BONUS PROTECTION

Your cautious driving earns you a 20%-50% No Claim Bonus on your own-damage premium for every successful claim free year. However, once you claim, your discounts will be reset to zero. The NCB Protection add-on helps you to retain your discount even if you make some smaller claims as per the policy terms.

Become AAI Member
PASSENGER COVER

The Passenger Cover protects the passengers traveling in the car financially against death or disability due to an accident. This cover starts from Rs.10,000 and can go higher depending on the insurance company, and the payout differs as per the nature and intensity of the injury.

Trim your Skoda’s Premium with these Discounts

  • NO CLAIM BONUS

    You are eligible for a NCB discount on your own-damage premium for every claim-free year. It starts with 20% for the first year and can go as high as 50% over 5 consecutive claim-free years. The best part is you can retain this discount, even if you wish to sell the current car and purchase a new one.

  • INSTALLATION OF SECURITY DEVICES

    If your car is fitted with ARAI approved anti-theft devices, you are eligible for an additional discount up to 2.5% on your own-damage premium.

  • MEMBERSHIP OF AAI

    A membership to any of the recognized Automobile Associations of India can fetch you an extra discount.

  • ACCIDENT COVER

    If you are in the noble profession of teaching or employed in Govt. Services, you are entitled for an additional discount on your own-damage car insurance premium.

FAQs
Frequently Asked Questions

How will the engine’s CC affect my car insurance premium?

The total volume of all the cylinders in the car’s engine added together in cubic centimeters (cc) or liters. This has a direct impact on third-party premium. Driving a car that has a high engine CC will have more power and travel faster as it as a great mileage. The risk here is greater as compared to driving a vehicle with low engine CC (with less horsepower and limitation on speed). Higher the cubic capacity, higher is the risk. And if the risk is high, the insurance premium would be more.

What happens if I mistake my car’s variant while filing the details for car insurance?

In such a case, you can notify your insurance company or insurance broker along with your Registration Certificate copy. The requested changes will be incorporated, and you’ll be issued a letter of endorsement for the changes.

What if I had provided wrong policy information?

If it all you have provided wrong policy information, you can contact the insurance company. You can also shoot us a mail to help@coverfox.com, by requesting the endorsement changes and sending the relevant documents as proof.