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Skoda Laura is an elegant-looking sedan manufactured by Skoda that made its debut in India in 2019. Although it has been discontinued, its older versions are still being driven on Indian roads. If you happen to be a lucky owner of this classic car, this article is for you. Here we have listed the different Skoda Laura insurance options and the benefits of online car insurance. So, read ahead to make an informed policy purchase decision.
In this section, we will explain why online car insurance is a better choice than the offline alternative.
Usually, if you buy car insurance offline, you have to visit the insurance company's office or agent and fill out a few forms. Since online insurance is digital, you only have to type in a few details on the insurer’s website, like your vehicle and previous policy details to initiate the policy purchase process.
Another drawback of opting for offline car insurance is that you may have to visit the insurer in person to buy and renew the policy and raise claims. In contrast, online car insurance allows for remote purchase, renewal and claim raising via an internet-connected smartphone or desktop.
If you are not familiar with online insurance, don’t worry. Typically, online insurers provide a detailed help guide to clarify common queries. If you would rather get your doubts cleared by speaking to an executive, there is usually also a 24x7 toll-free number that you can call.
Your Skoda Laura can be insured with the following car policies.
This is the most basic insurance option available for your Laura. It is also the minimum insurance coverage required to legally drive on Indian roads per The Motor Vehicles Act of 1988. A Third-party car insurance Policy covers the financial repercussions of third-party liabilities such as accident-related injuries, death or property damage. However, it does not offer coverage for damages to your insured Skoda Laura.
A Comprehensive Car Insurance Policy offers coverage against third-party liabilities and accident-related damages to your car. Besides the mandatory third-party cover, inclusions include theft, collision-caused damages and damages caused by natural and man-made calamities. This policy also gives you the option of broadening coverage by selecting add-ons.
The following are the key coverages of a Comprehensive Car Insurance Policy for Skoda Laura.
Injury, death and property damage to a third-party
Damages occurring as a consequence of natural calamities such as floods, earthquakes, cyclones, etc.
Damages occurring as a consequence of man-made calamities such as riots, strikes, vandalism, etc.
Damages resulting from fires
If your Skoda Laura is stolen
Under the following circumstances, you cannot claim damages under Skoda Laura insurance.
Driving without carrying legally necessary documents like a valid driving licence, active policy document, pollution under control certificate, etc.
Wear and tear of the internal components of your Skoda Laura due to ageing
Issues in the vehicle resulting from mechanical and electrical malfunctions
Driving without heeding traffic laws
Driving after consuming focus-altering substances
Damages to your insured vehicle outside the areas covered by the policy
As mentioned previously, you can expand the coverage of a Comprehensive Car Insurance Policy by selecting add-ons. In this section, we have listed some of the popular add-ons. However, note that they are subject to availability.
Outstation Emergency Cover
Key Replacement Cover
Zero Depreciation Cover
Return to Invoice Cover
Roadside Assistance Cover
As you may already be aware, ACKO is a leading digital-first insurer that offers online car insurance. In this section, we will share some of the key reasons why you should insure your Skoda Laura with ACKO.
Our digital infrastructure helps us cut our operating costs. These saved costs result in discounted policies. We also follow a “no commissions policy” that helps us to further cut down on our policy prices.
Processing an accident-related claim can take anywhere from a few days to a few weeks to complete. However, under ACKO’s claim process, claims raised for minor damages to your car will be processed within just a few hours of raising the claim.
If your car endures unfortunate accident-related damages, all you have to do is contact us. We will pick it up, take it to a nearby network garage for repairs, and deliver it to your doorstep afterwards. However, note that this benefit is policy specific.
If your car endures unfortunate accident-related damages, here’s how you can claim.
Step 1: Visit www.acko.com or our ACKO mobile app and log in to your account.
Step 2: Go to your Skoda Laura policy card and click “claim now”.
Step 3: You will be redirected to a page with questions about the accident-related damages. Answer the question, share applicable pictures and click on “Submit”.
Once your claim has been successfully raised, our claims team will process it as soon as possible per your policy's terms.
Yes, offline Skoda Laura insurance is typically more expensive than its online counterpart. This is generally because online car insurance does not involve some of the operational costs associated with offline insurance.
Add-ons are optional under a Comprehensive Skoda Laura Insurance Policy.
Yes, the age of your Skoda Laura is usually factored-in while calculating car insurance premium for a Comprehensive Policy. Typically, the older your car, the less the premium payable.
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