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Buy/Renew Skoda Car Insurance

Skoda Car Insurance

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Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.

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. 

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.

Inclusions & Exclusions of Skoda Car Insurance

  • Inclusions

  • Exclusions

Injury, disability, death of a third-party.

Property damages of third-party.

Total loss of the car.

Natural and man-made calamity protection.

Fire, explosion, or theft.

Personal accident cover (mandatory; but need not buy if you already have one).

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Driving without a valid car insurance policy.

Driving without a valid driving licence.

Routine wear and tear of the car.

Electrical and Mechanical damages to the car.

Driving the car under the influence of intoxicating substances.

Damages or loss occurring outside the specified geographical demarcation.

Damages occurred when the car in question is not used for its intended purpose.

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Depending on the policy you opt for your Skoda, its insurance price will differ. Similarly, the coverage also tends to vary. 

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.

Add-ons available for Skoda Car insurance

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:

How to Buy Skoda Car Insurance Online?

  • Visit the website of Bajaj Allianz General Insurance Company.
  • Specify your Skoda’s model details, manufacture date, and city of registration.
  • Select a suitable policy based on your requirements.
  • Based on the above selections, you will receive a quote for the Skoda insurance price.
  • If you have a comprehensive plan, you can include add-on covers and even increase or decrease your policy’s IDV. Your Skoda car insurance prices will also include these factors.
  • Once your payment is completed, your policy documents will be instantly delivered to you.

Renewing your Skoda’s Car Insurance Online

  • Visit Bajaj Allianz General Insurance’s website and locate the ‘Renew Online’ tab.
  • Enter your existing policy details along with your car’s registration number.
  • It is essential you review the percentage of the ‘No Claim Bonus’ you are eligible for if you haven’t raised an insurance claim with your comprehensive insurance policy.
  • Once you have availed of the NCB benefits, you can review your policy coverage by adding new covers and removing unnecessary add-ons that increase the Skoda car insurance’s price.
  • Once you have reviewed the policy coverage, verify your personal details in case of a change, to avoid filing an endorsement later.
  • Submit the above details to get a quote for the Skoda insurance price.
  • Finally, make the payment and receive your policy instantly in your inbox.

Procedure to raise an insurance claim for your Skoda

  • First, report the damage to the insurance company and file your claim.
  • After your claim is registered, the insurance company issues a unique claim registration number that you can use to track your claim.
  • Now depending on the type of policy, the process can vary. For a cashless claim, you must bring your car to one of the network garages for repairs. However, before any repairs are made, the insurance company official will inspect the damage and approve the repairs.
  • There is no such requirement for a reimbursement claim and you can get your vehicle repaired at a nearby service garage. Network garage access is not required for repairs in this case.
  • For cashless claims, the service garage will share the necessary details of the repair with your insurer, while for indemnity claims, the insurer must pay the insurance premium at the time of claim.
  • Depending on the claim, the insurer approves the claim and you must bear the rest.

Frequently Asked Questions

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. 

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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