Skoda cars are known for their solid build quality, premium interiors and features offered at an accessible price point. The Czech carmaker entered India in 2001 and since then, they have introduced some of the best premium sedans and SUVs. This article dwells into the importance and benefits of Skoda car insurance, the claim process and answers to some of the frequently asked questions.
What’s Covered in Skoda Car Insurance (Inclusions)?
While the Third-party car insurance covers third-party life and property, it is the Comprehensive plan that offers the following wider coverage:
- Personal accident cover for owner-driver.
- Third-party life and property damage coverage.
- Coverage for damages or losses to the insured vehicle (Own Damage).
- Coverage for damages due to riots, vandalism or such man-made calamities.
- Coverage against damages due to floods, earthquakes, storms or such natural calamities.
- Losses or damages due to fire or explosions.
Exclusions of Skoda Car Insurance:
The following are exclusions or limitations under the Skoda car insurance:
- Driving without a valid or permanent Driving Licence (DL).
- Driving under the influence of alcohol.
- Electrical and mechanical breakdown.
- Regular wear and tear of car parts.
- Damages or losses caused outside the geographical limits set by the insurer.
Benefits of Buying Acko Car Insurance for Your Skoda Car:
Acko has transformed the way you shop vehicle insurance for your vehicle by harnessing the power of digital. Below are the advantages of buying Acko car insurance for your Skoda:
Faster Online Procedure
Be it buying or renewal to servicing the claims, everything is online by transacting through the website or smartphone app.
Quicker Claim Settlements
With the elimination of paperwork, settlement of claims has never been quicker than before.
Guidance From Experts
Throughout the policy period, get assistance from experts on premium, claims, renewal and other insurance-related services.
Cashless Service
Get your Skoda fixed at any network garage and avail cashless service.
Pickup and Drop Facility
Get your vehicle picked up, repaired at a network garage and dropped off by Acko.
Insurance Plans for Skoda Car
Car insurance for your Skoda are of the following two types:
Third-Party Car Insurance
Covers third-party life and damages to their property and is mandatory as per the law with no coverage to the insured vehicle.
Comprehensive Car Insurance
Covers third-party and the insured vehicle and has the choice to include Add-on covers.
Inclusions | Comprehensive Insurance | Third-Party Insurance |
---|---|---|
Third-party life and property damages/losses | Yes | Yes |
Damages/Losses to the insured Skoda car | Yes | No |
Man-made Calamities (riots, etc.) | Yes | No |
Natural Calamities (floods, etc.) | Yes | No |
Personal Accident (PA) cover for Owner-Driver | Yes | Yes |
Theft of the insured Skoda car | Yes | No |
Add-ons | Yes | No |
Customise Insured Declared Value (IDV) | Yes | No |
Add-ons for Skoda Car Insurance:
Below are the Add-on covers are available with the Comprehensive car insurance for your Skoda:
- Zero Depreciation: Insurer will settle the claim without considering the depreciation of car parts being replaced or repaired.
- Engine Protection Cover: Get additional coverage for damages to the engine due to oil leakage or water ingression.
- NCB Protection Cover: Protect your No Claim Bonus even if you raise a claim during the policy period.
- Invoice Protection: Get the invoice value (ex-showroom) in case of total loss or damages to the insured vehicle.
- Roadside Assistance: Get roadside assistance in case of a breakdown as well as avail services such as emergency towing, fuel fill, general repairs, etc.
- Accessories Cover: Coverage for accessories such as high-end stereo system, reverse camera, etc.
- Consumables Cover: Insurer will pay for the cost of consumables used while repairing the insured vehicle.
Claim Procedure
Follow the steps below to raise a claim with an online insurance company such as Acko:
- Step 1: Visit the website of the insurer or access the mobile app.
- Step 2: Log in to your account and select the claim section to raise a claim.
- Step 3: Upload the pictures of the damages to your vehicle.
- Step 4: The surveyor will assess the damages, pick up your car and get it repaired at a network garage and deliver it back to you.
Note: You can also opt for the reimbursement method which is generally considered a cumbersome procedure.
Car Insurance for Skoda Car Models/Variants:
Below is the car insurance for different Skoda models in India:
- Skoda Rapid Insurance
- Skoda Superb Insurance
- Skoda Octavia Insurance
- Skoda Karoq Insurance
Frequently Asked Questions
Below are the answers to some of the frequently asked questions about Skoda car insurance:
You can buy car insurance for your Skoda online. Digital insurance companies such as Acko provide paperless processes which are quicker and faster than the traditional car insurance. You can visit the website or download the mobile app to buy car insurance online by entering a few details such as the registration number, manufacturing year of the car, location and the variants along with personal details of the policyholder. Upon purchasing the motor insurance, you will receive the policy instantly to your registered email address.
The cost of car insurance depends on the value of the car, make and variant as well as the location of the vehicle. However, compared to traditional insurance providers, new-age digital insurers have removed the need for an agent or middlemen to sell insurance policies. They have digitised most of the transactions online, which has resulted in reduced operational cost. This benefit is passed on to the customers which result in cheaper car insurance for your Skoda along with higher coverage.
Insurance cost depends on several factors, which include the cost of the vehicle, the make and variant and the location of the vehicle. To check the premium of a Skoda vehicle, you can visit the insurance company’s website such as Acko (www.acko.com) and calculate the premium for your exclusive Skoda car by entering a few details.
Car insurance renewal online is the fastest way to renew your Skoda car insurance. Visit the insurance provider’s website or download their smartphone app to renew the policy instantly from anywhere and at any time. Traditional insurers may request to submit paperwork and visit their branch or talk to their agent to get the insurance policy renewed.
With the advent of digital insurance policies, insurers have made the process of buying vehicle insurance online quicker and hassle-free. You do not have to submit any documents to the digital insurer; however, you need to provide a few details such as the registration number, make and the variant of the vehicle, and existing policy details, if any. Apart from these details, you need to provide a few personal details such as name and nominee details.
While the premium for the Skoda car insurance mainly depends on the value of the car, you can adopt a few practises which reduce the insurance cost. The fitment of anti-theft device, being a member of the Automobile Association of India and/or the Western Automobile Association of India can reduce car insurance cost since insurers consider the customers initiative to secure their vehicle against any possible liabilities.
The best car insurance for your Skoda should offer a wide coverage at a lower cost. However, your search should not end there. You need to research the post-sales service offered by the insurance company as well as its reputation in the industry and how well do they settle claims. Also, you should be able to get support from professionals during the entire policy period and not just while buying the policy. Select an insurer which can offer good service along with a wider coverage at a competitive price.
Yes, insurance companies such as Acko have tied with a wide range of garages across the location it operates and services. These garages are called “Cashless Garages” through which the insurance company and the garage will settle the repair bill and you will have to pay the deductibles if any.
No, you cannot buy Add-on covers along with the Third-party cover but can be bought with Comprehensive car insurance. You can choose from various add-ons mentioned above to extend the coverage of the basic car insurance.
Yes, you have a 30-day grace period from the date of expiry to renew your Skoda car insurance; however, your vehicle will not be covered until the policy is renewed. If the grace period has expired, you can renew it by paying the respective penalties and continue the coverage.
About Car Insurance for Skoda Cars
Skoda has been designing and producing premium cars from 1905. While its registered office and development department remains in the company’s home town, the company has spread its wings across the globe with several production facilities. The company is currently owned by the Volkswagen Group and has won several accolades for its design and engineering capabilities.

Skoda did not start as a four-wheeler manufacturer but as a two-wheeler, in fact, it was a bicycle. Models built by the company have become synonymous with solid build quality with premium features at an affordable price. Also, the company has a strong presence in motorsports, winning several accolades over the years.
For a company with a rich heritage, its cars require a robust car insurance plan. Motor insurance for Skoda cars should provide a wide coverage at a lower premium or pricing. Additionally, the insurance company should be able to provide excellent and quality services while buying or renewing the policy as well as during the process of settling claims. Traditional insurance companies continue to provide services through conventional methods; however, digital insurers such as Acko provide a paperless and hassle-free experience.
Why Should You Buy Skoda Cars?
Skoda has strived to provide well-packaged cars, which are always bigger than its rivals in their respective segments. The company has won several awards for reliability and customer satisfaction regularly. The company emphasises on feature-loaded cars at an accessible price range, and they are considered the safest cars in the segment because of the numerous safety features.
One of the most prominent Skoda cars is the Skoda Octavia, especially the vRS version due to its sporty nature. In India, the company set its foot in 2001 and has continued to introduce some of the best cars in India including the Skoda Octavia vRS which was first launched in India back in 2005. Automotive enthusiasts have continued to shower praises on Skoda cars not only for its design and performance but also due to its affordability.
Skoda vehicles are designed to offer a clean and simple look offering a premium feel to the design language. Apart from powerful engines and engineering, Skoda cars also boast of an upmarket road presence with its chiselled and muscular design. Skoda cars are one of the best reliable vehicles on sale in India and it’s near 20-year existence talks a lot about its brand and quality.
Skoda Exterior
- Skoda’s Signature Crystalline Design Language
- Brand’s Signature Grille
- LED Headlights and Taillights
- LED DRLs
- LED Fog Lamps
- Skoda Signature ‘C’ Shaped Tail Lights
- Premium Alloy Wheels
- Premium Paint Schemes
- Panoramic Electric Sunroof
- Retractable Headlight Washers
- Chrome Tipped Diffuser
- Rear View Camera with Washer
- Electrically Operated Boot
- Boarding Spot Lamps
Skoda Interior
- Premium and Large Touchscreen Infotainment System
- Virtual Cockpit
- Smartlink Connectivity
- Airbags
- Electrically Adjustable Front Seats with Memory Functions
- Aluminium Pedals
- Ergonomic Seats with Integrated Headrest
- Premium Leather Upholstery
- Leather Wrapped Steering Wheel and Gear Knob
- Automatic Climate Control
- Cruise Control
- Footwell Lighting
- LED Ambient Lighting
- Parkatronic System
- Large Cabin and Boot Space
Skoda Rapid Specifications
Engine (cc) | 1.0-litre Naturally Aspirated |
Fuel Type | Petrol |
Power (PS) | 110 |
Torque (Nm) | 175 |
Gearbox | 6-Speed Manual/Automatic |
Seating Capacity | 5 |
Boot Space (litres) | 460 |
Fuel Tank Capacity (litres) | 50 |
Ground Clearance (mm) | 116 |
Skoda Superb Specifications
Engine (cc) | 2.0-litre Turbocharged |
Fuel Type | Petrol |
Power (PS) | 190 |
Torque (Nm) | 320 |
Gearbox | 7-Speed Automatic |
Seating Capacity | 5 |
Boot Space (litres) | 625 |
Fuel Tank Capacity (litres) | 66 |
Ground Clearance (mm) | 156 (solo) |
Skoda Octavia RS 245 Specifications
Engine (cc) | 2.0-litre Turbocharged |
Fuel Type | Petrol |
Power (PS) | 245 |
Torque (Nm) | 370 |
Gearbox | 7-Speed Automatic |
Seating Capacity | 5 |
Boot Space (litres) | 590 |
Fuel Tank Capacity (litres) | 50 |
Skoda Karoq Specifications
Engine (cc) | 1.5-litre Turbocharged |
Fuel Type | Petrol |
Power (PS) | 150 |
Torque (Nm) | 250 |
Gearbox | 7-Speed Automatic |
Seating Capacity | 5 |
Boot Space (litres) | 460 |
Fuel Tank Capacity (litres) | 50 |
Models of Skoda, Fuel Type and Ex-Showroom Price:
Skoda Auto India has cars in the mid-size and premium sedans as well as SUVs. Below is the Skoda car price that is subject to change:
Variants of Skoda Cars | Gearbox | Fuel Type | Ex-Showroom Price (Rupees in Lakhs)* |
---|---|---|---|
Skoda Rapid Rider | Manual | Petrol | 7.50 |
Skoda Rapid Rider Plus | Manual | Petrol | 8 |
Skoda Rapid Ambition | Manual | Petrol | 10 |
Skoda Rapid Onyx | Manual | Petrol | 10.20 |
Skoda Rapid Style | Manual | Petrol | 11.50 |
Skoda Rapid Monte Carlo | Manual | Petrol | 11.80 |
Skoda Rapid Rider Plus | Automatic | Petrol | 9.50 |
Skoda Rapid Ambition | Automatic | Petrol | 11.30 |
Skoda Rapid Onyx | Automatic | Petrol | 11.50 |
Skoda Rapid Style | Automatic | Petrol | 13 |
Skoda Rapid Monte Carlo | Automatic | Petrol | 13.30 |
Skoda Superb Sportline | Automatic | Petrol | 30 |
Skoda Superb L&K | Automatic | Petrol | 33 |
Skoda Octavia RS 245 | Automatic | Petrol | 36 |
Skoda Karoq Style | Automatic | Petrol | 25 |
Upcoming Skoda Cars in India
Skoda has been innovative and resilient to market demands by introducing some of the best cars in India. Be it the Skoda Superb for the premium segment or the Skoda Rapid to cater to the entry-level mid-size segment, the company continues to offer the right package in each segment. It has its presence in the mid-size, performance sedan and premium sedan segments, while it has its presence in the SUV segment as well. The company continues to launch vehicles in the segments that it understands best.
Benefits of Buying Car Insurance for Skoda Cars:
Vehicle insurance for your Skoda is not only mandatory according to law, but it protects you against third party liabilities as well as that of the insured vehicle. Car parts are not cheap and require their due attention when it comes to replacing or repairing it. While the Third-party insurance covers third-party life and damages to property, the Comprehensive covers offer the mentioned below extensive coverage:
- Coverage against liabilities arising out of the loss of third-party life or damage to their property.
- Coverage for the insured Skoda car.
- Personal accident cover for the owner-driver.
- Coverage against man-made calamities such as vandalism, riots, etc.
- Coverage against natural calamities such as storms, earthquakes, floods, etc.
- Get the full sum insured amount in case of total loss or damage.