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Skoda Car Insurance

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

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

SKODA 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.

Top5 mostinsured Skoda models


The Skoda Rapid is a subcompact car manufactured by Skoda 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, Skoda steering wheel, gear lever, and audio system. Loaded with excellent features, Skoda Rapid offers a mileage of 12 kmpl for its Petrol variant and 19 kmpl for Diesel variant.


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


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

SKODA Octavia

The SKODA 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.

SKODA Superb

With The signature angular contours and dynamic fine lines reflect, SKODA'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, SKODA Superb provides a mileage of 11 kmpl in Petrol variant and 15 kmpl for Diesel variant.

Why Is It Important to Have Insurance ForSkoda CarThrough Coverfox?

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

  • Provides comprehensive coverage for your own car

  • Offers cashless transactions through network garages

  • Get end to end claims assistance

Essential Information about Insurance for yourSkoda Car

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 is covered under a Comprehensive Car Insurance?
  • 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 is not covered under a Comprehensive Car Insurance?
  • 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
  • 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

Increase Protection of Skoda Car with these Add-ons

Choose The Right IDV

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

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

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

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 Comprehensive Car Insurance Premium withthese Discounts


    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.


    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.


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


    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 on Skoda Car

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, by requesting the endorsement changes and sending the relevant documents as proof.