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Skoda Rapid Car Insurance

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Skoda Rapid Car Insurance

Car Insurance for Skoda Rapid

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If you own or drive a car, you already know that a car insurance policy is a must for any vehicle plying on Indian roads. Moreover, your car needs to have a Third-party Liability Cover to comply with the rules and regulations. Skoda is a premium brand, and you may need a car insurance plan that covers the cost of repairs and spare parts. Read on as this article will cover all aspects of Skoda Rapid Insurance.

Benefits of Buying Online Car Insurance for Skoda Rapid Car?

Here are the advantages of purchasing car insurance online for your Skoda Rapid car.

1. Quick Process

You can insure your Skoda Rapid car instantly if you opt for online car insurance. You need not wait for days to get your insurance policy document. As soon as you complete the online purchase, the policy document will be instantly sent to your registered email address.

2. Convenient

Convenience is one of the best things about digital insurance. You need not invest your time and money in visiting the insurer's office or an agent to purchase four-wheeler insurance online. Visit the insurer’s website (www.acko.com) or mobile app to buy car insurance online from anywhere.

3. No Agent

When you buy car insurance online, you purchase the policy directly from the insurer. There is no agent involved in the process. You can make an informed choice with no influence from an agent. Also, you save on the insurance premium, as there is no commission involved.

Car Insurance Plans for Skoda Rapid Car

You can opt for mainly two types of car insurance plans for Skoda Rapid: Third-party Car Insurance Plan and Comprehensive Car Insurance Plan. Below are the coverage details of both the plans.

Third-party Car Insurance Plan

Purchasing a Third-party Car Insurance Policy is mandatory as per the rules and regulations prescribed under The Motor Vehicles Act, 1988. A Third-party Car Insurance Plan offers only third-party liability coverage and covers damage/loss to third-party property or life. But it does not provide an Own Damage Cover. Along with Third-party policy, a Personal Accident (PA) cover is also mandatory. You can purchase the PA cover separately.

Comprehensive Car Insurance Plan

A Comprehensive Car Insurance Policy offers both Third-party and Own Damage cover. The Own Damage cover provides coverage against damage to your car caused due to fire, accident, natural calamities, or man-made disasters. The insurance plan also covers the total loss or theft of the insured vehicle. A Comprehensive Policy also gives you the option of expanding the coverage benefits by opting for add-ons. You can buy add-on covers at a nominal increase in the Skoda Rapid insurance cost.

What’s Covered in Skoda Rapid Insurance? (Inclusions)

Skoda Rapid Comprehensive Car Insurance will provide coverage against the following.

  • Third-party losses (Damage to property or injury/death of a third party).

  • Damages to the vehicle due to an accident.

  • Vehicle damages due to natural disasters such as storms, earthquakes, floods, etc.

  • Damages to the car due to fire/explosion.

  • Loss or damage to the vehicle due to man-made calamities such as vandalism, etc.

  • Total loss or theft of the insured vehicle.

  • Personal Accident cover (To be purchased separately).

Exclusions of Skoda Rapid Car Insurance

Skoda Rapid Car Insurance will not provide coverage against the following circumstances.

  • Damages to the vehicle due to mechanical or electrical failure.

  • Damages to the vehicle due to reckless/irresponsible driving or improper handling..

  • Loss or damage to the vehicle when driving without valid documents.

  • Damages to the vehicle while driving under the influence of intoxicating substances.

  • Loss or damage to the vehicle due to wear and tear.

  • Any add-on covers which are not purchased.

Advantages of Purchasing ACKO Car Insurance Policy for your Skoda Rapid Car

Below are the advantages of purchasing car insurance policy for your Skoda Rapid from ACKO.

No Paperwork

ACKO is a digital-first insurance company, and there is no paperwork while buying or renewing a car insurance policy. With zero paperwork and digital payment modes, you can save a lot of time while buying car insurance for your Skoda Rapid car.

Quick Claim Settlement

Filing a car insurance claim at ACKO is easy! Just log on to the website/app and raise the claim online. Claims for minor damages will be settled instantly. For major damages, the claims will be settled within a few hours/days, depending upon the severity of the damages.

Compare Car Insurance Plans

ACKO provides you with car insurance quotes based on the approximate market value (IDV - Insured Declared Value) of your car. You can compare car insurance plans and add-ons before making the purchase decision.

Add-ons for Skoda Rapid Car Insurance

A Comprehensive Car Insurance Plan allows you to enhance the policy benefits via add-on covers. Below are the available car insurance add-ons for Skoda Rapid Car Insurance.

Claim Procedure:

Follow the below steps to raise a car insurance claim at ACKO.

  • Step 1 - Log in to your profile via ACKO’s website or mobile app.

  • Step 2 - Select the Claim option and answer a few questions.

  • Step 3 - Upload the pictures of the damaged vehicle and documents (if required).

ACKO’s claims team will get in touch with you to process the claim settlement.

Frequently Asked Questions

Below are the most commonly asked questions about Skoda Rapid Car Insurance.

FAQs

Is it compulsory to buy car insurance for my Skoda Rapid?

Yes, purchasing at least a Third-party Liability Policy is mandatory to comply with the rules and regulations. It is an offence to drive a car without a valid insurance policy, and you might be penalised for doing so.

Which documents do I need to submit while buying Skoda Rapid car insurance?

If you are buying car insurance online, there is no paperwork. You can upload the soft copies of the documents on the insurer’s website. But if you are buying car insurance offline, you need to submit the hard copies of the following documents:

- Vehicle Registration Certificate - Driving Licence - PUC Certificate - Identity Proof

Can I switch insurance companies while renewing Skoda Rapid car insurance?

Yes, you can switch insurance companies during car insurance renewal. You will not lose any benefits such as the NCB discount despite changing the insurance provider.

Can I cancel my Skoda Rapid car insurance? What is the procedure to do so?

Yes, you can cancel your Skoda Rapid car insurance policy. All you have to do is get in touch with your insurer and inform them about your decision and state the reason for cancellation. Next, you have to submit the required documents, and after verifying the same, the insurer will approve your request. In case of online cancellation, you need to log on to the insurer’s website and follow the instructions.

What happens if I provide wrong information about the car while buying Skoda Rapid Car Insurance?

If you had provided wrong information about the car while buying car insurance, then you might face issues while raising a claim. The insurer will inspect your car while settling claims. If the insurer finds out that you have provided incorrect information, then your claim might be rejected. Worst case scenario, the insurer might cancel your policy.

What if my Skoda Rapid breaks down in the middle of the road? Will the insurer provide me with any assistance?

If you have opted for the Roadside Assistance add-on for your Comprehensive Car Insurance Policy, then the insurer will assist if your car breaks down in the middle of the road. The insurer will help you in fixing the car or will provide a tow truck/van if the car needs to be transported to a nearby garage/service centre.

Is Skoda Rapid a good buy? Is it expensive to maintain?

Skoda Rapid is a good car in the mid-size sedan segment. It comes with a lot of features, and exterior design is also elegant. Rapid is the entry-level offering from Skoda, and it is an affordable car when it comes to maintenance. The sedan delivers good fuel-efficiency, and running cost will not be a burden.

Car Insurance for Other Skoda Car Models/Variants

Below are the car insurance plans for other Skoda cars

  • Skoda Octavia Car Insurance

  • Skoda Superb Car Insurance

  • Skoda Karoq Car Insurance

  • Skoda Kodiaq Car Insurance

About Car Insurance for Skoda Rapid:

Buying car insurance for Skoda Rapid or any other car is crucial as it provides financial coverage in case of a mishap. Moreover, purchasing a Third-party Liability Coverage is compulsory to comply with the rules and regulations. A car insurance plan provides coverage against legal and financial liabilities arising due to damage to your vehicle or damage to third-party property or life.

The Comprehensive Motor Insurance Plan offers dual benefits as it covers third-party losses and damage to your Skoda Rapid. The insurance plan covers damages caused by explosion/fire, accient, natural disasters or man-made calamities. Also, the Comprehensive Policy provides a financial backup if your car is stolen or suffers a total loss. If you wish to enhance the coverage of the Comprehensive Car Insurance Plan, you can do so via add-ons.

Third-party liability (TPL) cover is compulsory in India. Both Third-party and Comprehensive Car Insurance Plan offer TPL cover. The Skoda car insurance policy provides coverage against financial liabilities arising due to third-party losses. For example, if your car ends up damaging third-party property or injuring a third party, the insurance plan comes to your rescue. The insurer will bear the costs arising due to such incidents. Overall, a car insurance policy provides you with financial security and peace of mind.

Why Should You Buy Skoda Rapid?

The Skoda Rapid is a premium mid-size sedan, and it is an entry-level offering from the Czech automaker. The Rapid is based on the Fabia hatchback, which is sold in global markets. The Rapid sedan sports Skoda’s signature exterior design and a host of premium features. The Rapid is one of the best premium mid-size sedans in the Indian market.

On the design front, the Skoda Rapid features the crystalline design language. Upfront the sedan features a blacked-out butterfly grille with chrome surrounds and the prominent Skoda logo. The side profile is neat and elegant, and it is complemented by the sporty alloy wheels. The rear profile of the sedan features C-shaped taillights and chrome moulding on the boot deck.

The Skoda Rapid is a feature-rich sedan. The car comes with features such as a large display for the infotainment system, projector headlights, LED daytime running lights, cruise control, automatic AC control, automatic headlights and much more. The Skoda Rapid is available with a powerful petrol engine, which delivers a perfect blend of performance and fuel efficiency. Overall, the Skoda Rapid is a feature-rich package in the mid-size sedan segment.

Highlights of Skoda Rapid:

  • Projector headlights and LED daytime running lights.

  • Chrome treatment on the grille and lower bumper.

  • Chrome moulding on the body side and windows.

  • A large touchscreen display for Skoda Android infotainment system.

  • Leather seat upholstery.

  • Front driver and passenger and side airbags.

  • Automatic AC control.

  • Cruise control.

  • Electrically adjustable and foldable external rearview mirrors.

  • Rear parking sensors with camera.

  • Steering-mounted controls for various functions.

  • Sporty alloy wheels.

  • Turn indicators on the ORVMs.

  • AC vents and armrest for rear passengers.

  • ABS, engine immobiliser and central locking.

  • Automatic wipers.

  • Powerful petrol engine.

Skoda Rapid Specifications, Variants and Ex-Showroom Price:

Refer to the following tables for Skoda Rapid price, variants and specifications:

Skoda Rapid Specifications

Details Specifications (Petrol Variant)
Engine 1-Litre Turbocharged
Fuel Type Petrol
Power 109 Bhp
Torque 175 Nm
Transmission 6-Speed Manual/Automatic Gearbox
Drivetrain Front-wheel-drive
Seating Capacity 5-Seater
Boot Space 460 Litre
Fuel Tank 55 Litre
Fuel Efficiency 18.97kmpl (Manual) / 16.24kmpl (Automatic)

Skoda Rapid Variants and Ex-Showroom Price

Variant Fuel Type Price (Ex-Showroom)
Rider MT Petrol Rs. 7.79 lakh
Rider MT Plus Petrol Rs. 8.19 lakh
Rider AT Plus Petrol Rs. 9.69 lakh
Ambition MT Petrol Rs. 9.99 lakh
Onyx MT Petrol Rs. 10.19 lakh
Ambition AT Petrol Rs. 11.49 lakh
Style MT Petrol Rs. 11.69 lakh
Onyx AT Petrol Rs. 11.69 lakh
Monte Carlo MT Petrol Rs. 11.99 lakh
Style AT Petrol Rs. 12.99 lakh
Monte Carlo AT Petrol Rs. 13.29 lakh

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.