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Skoda Car Insurance

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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:

Exclusions of Skoda Car Insurance:

The following are exclusions or limitations under the Skoda car insurance:

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:

Claim Procedure

Follow the steps below to raise a claim with an online insurance company such as Acko:

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:

Frequently Asked Questions

Below are the answers to some of the frequently asked questions about Skoda car insurance:

Where can I buy 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.

Is Skoda car insurance costly?

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.

How much does it cost to insure a Skoda Octavia?

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.

How fast can I renew my Skoda car insurance?

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.

What is the list of documents required to buy insurance for my Skoda car?

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.

How to reduce the cost of Skoda car insurance?

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.

What is the best car insurance for Skoda cars?

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.

Do insurance companies provide cashless claim settlements for Skoda cars?

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.

Can I buy Add-on covers with the Third-party car insurance for my Skoda?

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.

Can I renew my expired Skoda 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 Interior

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 7.5
Skoda Rapid Rider Plus Manual Petrol 8
Skoda Rapid Ambition Manual Petrol 10
Skoda Rapid Onyx Manual Petrol 10.2
Skoda Rapid Style Manual Petrol 11.5
Skoda Rapid Monte Carlo Manual Petrol 11.8
Skoda Rapid Rider Plus Automatic Petrol 9.5
Skoda Rapid Ambition Automatic Petrol 11.3
Skoda Rapid Onyx Automatic Petrol 11.5
Skoda Rapid Style Automatic Petrol 13
Skoda Rapid Monte Carlo Automatic Petrol 13.3
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:

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CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

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