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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.
Here are the advantages of purchasing car insurance online for your Skoda Rapid car.
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.
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.
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.
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.
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.
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.
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).
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.
Below are the advantages of purchasing car insurance policy for your Skoda Rapid from ACKO.
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.
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.
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.
Key Protect Cover
Outstation Emergency Cover
Personal Accident Cover for Passengers
Return To Invoice Cover
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.
Below are the most commonly asked questions about Skoda Rapid Car Insurance.
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.
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
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.
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.
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.
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.
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.
Below is the car insurance for different Skoda models in India:
Skoda New Kushaq Monte Carlo
Skoda New Slavia
Skoda New Octavia
Skoda New Superb
Skoda New Kodiaq