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Motor Insurance
Skoda Car Insurance
Get Up To 85% Off*
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your car
Premium
Starting from INR 2094*
Cashless Garages
7,200+ network garages for hassle free services
Own Damage Cover
Covers damage to your car due to accidents, fire, theft and natural calamities
Third Party Liability
Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage
Personal Accident Cover
Starting from INR 15 Lacs
No Claim Bonus
Up to 50%
Optional Covers
Wide range of Add Ons
On The Spot Claim Settlement
You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App
24x7 Spot Assistance
Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down
Inclusions
What’s covered?Third Party Liability for Bodily Injury & Death (Unlimited Cover)
If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.
Third Party Liability for Property Damage (up to INR 7.5 lacs)
If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit
Accidents
Damages and losses that arise out of accidents and collisions
Natural or Man-Made Disasters
Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism
Fire Damage
Damages and losses if your car catches fire or explodes
Theft
Financial losses when your car is stolen
In Transit Damage
If your car is damaged while being transported, this covers the repair costs
Personal Accident
Coverage if your car accident results in death or disability of car owner
Add-On Covers
Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage
Exclusions
What’s not covered?Intentional Damage
Any damage caused to the car intentionally
Depreciation
Normal wear and tear of the car due to usage and depreciation in value is not covered
Mechanical or Electrical Breakdown
If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered
Illegal Activities
Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity
Geographic Limits
Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.
War-related Damages
Losses caused by war or nuclear risks are not covered
Overloading the Vehicle
If you exceed the weight or passenger limit specified for your car, leading to an accident.
Unauthorised Vehicle Modifications
If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.
Racing or Speed Tests
If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied
Note
Please read policy wording for detailed exclusions
Additional Covers
What else can you get?24x7 Road Side Assistance
Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more
Consumable Expenses
Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc
Zero Depreciation Cover
Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands
Pay As You Consume
If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium
No Claim Bonus Protector
Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium
Tyre Safeguard
This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle
Conveyance Benefit
If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute
Engine Protector
Covers financial losses incurred due to damage to your car engine
Return to Invoice (RTI) Cover
Recover invoice value of your car back in case of theft or total loss
Smooth Drives Start with Skoda Insurance
Skoda is a car manufacturing company founded in 1925 and based in the Czech Republic. One of the well-known luxury brands in the car industry, Skoda has been selling cars in India since 2002. The famous models include Octavia, Rapid, Fabia, and Kushaq, among others. All of these models offer features such as:
● Anti-Braking System
● Front and Rear airbags
● Different driving modes
● Wider legroom
● Power steering and windows
These features make Skoda a sought-after brand. However, if you are planning to buy a Skoda, it is imperative that you also purchase car insurance for it. The insurance policy safeguards your investment from on-road mishaps and any other incidents that could cause financial or legal liabilities for you.
Benefits You Deserve
Reliable Customer Support
We have a dedicated call centre and chat support taking care of all your needs
7200+ Cashless garages
Wide network of cashless garages for hassle free service
On the Spot Claim Settlement
Register claim on accident spot and get it settled within minute on our app
Benefits of Buying Online Car Insurance for Skoda
Having an insurance plan is essential for protecting oneself from financial loss that may occur due to unforeseen circumstances such as injury, damage to third-party, or car damage. While traditional offline methods of purchasing car insurance can be tedious, buying insurance online provides several benefits. Let's take a look at the advantages of purchasing car insurance online over traditional methods:
Compare Multiple Policies
When buying four-wheeler insurance, comparing and evaluating the benefits of multiple policies at once is easier online. Utilizing a car insurance calculator , you can compare different policies and select the one that best fits your needs. Additionally, you can compare prices of policies and weigh the features offered by different insurance companies to make an informed decision.
No Paperwork
One significant advantage of buying car insurance online is that you do not need to fill out lengthy forms manually. Instead, online forms auto-populate with just a few inputs from the policyholder. These inputs include registration details of the vehicle, chassis number, engine number, name, and address of the policyholder, type of plan, and nominee of the policy. This saves policyholders from the hassle of repeatedly filling in the same details at different places.
Convenience & Instant Policy
Purchasing car insurance online offers convenience, allowing policyholders to buy or renew their policies from anywhere, anytime, without having to reach out to an insurance agent or visit an insurance company's branch office. Once payment is complete, the policy is delivered immediately to the policyholder's inbox.
Check Insurance Company's Credibility
Online car insurance purchase makes it easier to check the credibility of an insurance company. Policyholders can check for testimonials by other policyholders and read forums where buyers post reviews about various insurance companies. Having access to genuine feedback about insurance companies allows policyholders to make informed decisions while selecting an insurance provider.
At-A-Glance
Compare Insurance Plans Made for You
| Feature |
Third Party Liabilty Cover |
Own Damage Cover |
Comprehensive Cover |
Comprehensive Cover with Add-ons |
|---|---|---|---|---|
| Overview | Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. | Covers expenses arising out of damage to your car. | Full fedged cover comprising of Third Party Liability cover and Own Damage covers | Enhance coverage by opting for various Add-ons over and above the comprehensive cover |
| Policy Period | 1 or 3 years | 1 Year | 1 and 3 years | 1 and 3 years |
| Third Party Liability for Injury, Death & Property Damage | Yes | No | Yes | Yes |
| Accidents & Collisions | No | Yes | Yes | Yes |
| Natural or Man-Made Disasters | No | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes | Yes |
| Theft | No | Yes | Yes | Yes |
| Compulsory Personal Accident | Yes | Yes | Yes | Yes |
| Add-on: No Claim Bonus | No | No | No | Yes |
| Add-on: Zero Depreciation Cover | No | No | No | Yes |
| Add-on: Lock & Key Replacement | No | No | No | Yes |
| Add-on: 24x7 Roadside Assistance | No | No | No | Yes |
| Add-on: Consumables Cover | No | No | No | Yes |
| Explore more add-ons | No | Up to 27 Add Ons | Up to 27 Add Ons | Up to 27 Add Ons |
Download Policy Document
Get instant access to your policy details with a single click.
Why Insure Your Car with Bajaj Allianz?
Buy Now
Motor & Health Companion
Drive Confidently with Bajaj Allianz
Experience seamless vehicle management with the Bajaj Allianz Drive Smart App, featuring on-road assistance, fuel efficiency stats, driving alerts, and more
Track, Manage & Thrive with Your All-In-One Health Companion
Discover a health plan tailored just for you–get insights and achieve your wellness goals
Take Charge of Your Health & Earn Rewards–Start Today!
Be proactive about your health–set goals, track progress, and get discounts!
Frequently Bought Together
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Step-by-Step Guide
To help you navigate your insurance journey
How To Buy
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0
Download the Caringly Yours app from App stores or click "Get Quote"
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1
Register or log in to your account.
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2
Enter your car details
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3
You will be redirected to the Car Insurance Page.
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4
Ensure to check your No Claim Discount
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5
Choose right Insured Declared Value (IDV) that reflects your car value
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6
Evaluate Covers, Add Ons, Optional Covers and Exclusions
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7
Select a plan from the recommended options, or customize your own plan
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8
Review the premium and other coverage details
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9
Proceed with the payment using your preferred method
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10
Receive confirmation of your purchased policy via email and SMS
How To Renew
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0
Login to the app
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1
Enter your current policy details
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2
Review and update coverage if required
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3
Check for renewal offers
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4
Add or remove riders
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5
Confirm details and proceed
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6
Complete renewal payment online
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7
Receive instant confirmation for your policy renewal
How to Claim
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0
Download our Caringly Yours App on Android or iOS
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1
Register or login to use Motor On the spot claim for a smooth process
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2
Enter your policy and accident details (location, date, time)
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3
Save and click Register to file your claim
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4
Receive an SMS with your claim registration number
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5
Fill in the digital claim form and submit NEFT details
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6
Upload photos of damaged parts as instructed
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7
Upload your RC and driving license
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8
Receive an SMS with the proposed claim amount
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9
Use the SMS link to agree/disagree with the claim amount
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10
Agree to receive the amount in your bank account
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11
Track your claim status using the Insurance Wallet App
Know More
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0
For any further queries, please reach out to us
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1
Phone +91 020 66026666
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2
Fax +91 020 66026667
Types of Car Insurance Policies for Skoda
All vehicle owners should have insurance coverage in place to comply with legal requirements as well as financial liability. Car insurance for Skoda has two coverage categories – third-party car insurance and comprehensive car insurance.
Third-party Car Insurance
A third-party plan covers liabilities that you may incur towards a third person in the event of an accident or collision. This can include damages to their vehicle or property, injuries, and even death. Hence, for the Skoda insurance price you pay, a third-party plan ensures legal compliance. While it is a minimum requirement, it lacks any coverage for the damages to your car.
Comprehensive Car Insurance
A comprehensive policy covers more than third-party liabilities. It will also cover damages to your Skoda. Thus, a comprehensive plan does not limit you to third-party car insurance coverage. Damages due to natural calamities, man-made events, theft, and fire, full under a comprehensive policy’s scope of coverage.
Moreover, a comprehensive plan also includes personal accident coverage. This allows you to claim compensation for the injuries faced by the owner-driver in case of an accident. However, if you already have a personal accident cover, you need not purchase it again with your four-wheeler insurance online for Skoda.
Smart Reads, Right Coverage
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Create a Profile With Us to Unlock New Benefits
- Customised plans that grow with you
- Proactive coverage for future milestones
- Expert advice tailored to your profile
What Our Customers Say
Prompt Assistance
Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.
Vikram Singh
Delhi
21st May 2021
Claim Support
Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.
Deepak Bhanushali
Mumbai
18th May 2021
Quick Assistance
Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!
Naveen Tyagi
Delhi
1st May 2021
Claim Support
I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz.
Pramod Chand Lakra
Jaipur
27th Jul 2020
Reliable Service
The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.
Siba Prasad Mohanty
Pune
26th Jul 2020
Diverse Options
A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well.
Rahul
Lucknow
26th Jul 2020
FAQ's
Is car insurance mandatory?
Yes, car insurance is mandatory for every car in India. The Motor Vehicles Act of 1988 has made it compulsory that every car being driven on Indian roads must have at least third-party car insurance. Not having a policy can get you penalised by the authorities.
What are services provided under roadside assistance?
The services you can avail of under the emergency roadside assistance are tyre refilling/replacement, fuel refilling, battery charge and free towing to the nearest garage.
How to reduce your premium?
Removing unnecessary add-ons, adding safety devices to your car, and not filing claims for minor damages are some of the ways to reduce your insurance premium.
What factors affect the price of insurance?
The fuel type of your car, its cubic capacity, your area of residence and your driving record are some of the factors that affect the price of the premium you pay for your policy.
Does third-party insurance cover own damages?
Third-party car insurance covers only third-party damages and injuries/deaths and does not cover own damages.
Can I transfer my existing motor insurance policy to the new owner?
Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.
What risks are covered under an insurance policy for a vehicle?
The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.
Why should I buy comprehensive vehicle insurance policy?
Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.
What is a Third-Party Liability Cover?
Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.
Differenciate Third-Party Liability and Comprehensive Motor Insurance?
"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"
Will my no claims bonus be transferred if I renew my motor insurance?
You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.
What is premium reduction process if no claim aquired previously?
Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.
What should be my first action to initiate a claim?
Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.
How do I register my claim?
Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.
What is a "deductible" or "compulsory excess" in motor insurance?
It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.
Why does my vehicle insurance premium change during renewal?
Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.
How 'no claim bonus' is calculated at the time of renewal?
No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.
What is break-in insurance? What should I do in case of break-in?
The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.
When is vehicle inspection mandatory in motor insurance?
Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.
Can I change my motor insurance provider at renewal?
Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
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With Motor On-The-Spot, Health Direct Click, etc we provide fast claim process , Our sales toll free number:1800-209-0144
