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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:
1. Anti-Braking System
2. Front and Rear airbags
3. Different driving modes
4. Wider legroom
5. 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.
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:
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.
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.
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.
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.
Depending on the policy you opt for your Skoda, its insurance price will differ. Similarly, the coverage also tends to vary.
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.
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.
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.
Add-ons are additional optional policy coverage you can purchase with your comprehensive car insurance policy. These covers are not part of the standard comprehensive car coverage, but in addition to the existing cover. Add-ons come in handy to overcome the limitation of coverage of the standard comprehensive car insurance plan.
Here’s a list of add-ons that can be bought:
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.
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.
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.
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.
Third-party car insurance covers only third-party damages and injuries/deaths and does not cover own damages.
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