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Škoda Car Insurance
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Škoda Auto India Private Limited is a subsidiary of one of the fastest and ever-growing car manufacturers in Europe, Škoda Auto. Škoda has been operating in India since the year 2001. As its slogan says - ‘Simply Clever’, the brand is known for its cutting-edge inventions and technologies.
In 2019 Volkswagen Group India merged the three Indian subsidiaries to form the Škoda Auto Volkswagen India with their headquarters based out of Pune. Škoda Auto India has a strong line-up of models that comprise good-looking sedans and powerful SUVs and has no upcoming product launches soon.
Škoda Auto India Car Models
The starting price of the stunning Škoda Rapid is around INR 7,79,000 lakhs (ex-showroom, Delhi). It is equipped with a petrol engine with an automatic 6-speed transmission and combined with redacted emissions and a good fuel economy.
Škoda follows a timeless design approach, and it reflects in each of its models, including the Škoda Rapid, which makes it look super classy among other rival car brand models.
The Škoda Rapid comes in many variants that include:
- Rider Plus
- Monte Carlo
The starting price of the New Škoda Superb is around INR 31,99,000 lakhs (ex-showroom, Delhi). It is equipped with a heavy petrol engine, and an automatic 7-Speed DSG transmission gives out good fuel economy and top-class performance.
The New Superb is the perfect blend of luxury and space for its exciting features and loads of space. It looks stunning because of its sharp, dynamic lines and signature angular contours. The safety features include 8 Airbags, and luxury features include automatic air conditioning (3-zone) with AirCare function.
Škoda Octavia RS 245
The Škoda Octavia RS 245 is a gem in terms of looks and style. The luxury features that the Octavia offers are endless, including a 12-way adjustable passenger and driver seats. It also includes automatic air conditioning with a customisable electronic regulation of the cabin temperature. The brake callipers of the Octavia are painted red for a more nuanced and detailed look of the overall exterior and interior of the model.
What is Covered Under Škoda Car Insurance Policy
Third-Party Losses: In the unfortunate event of third-party loss, your policy will take care of the legal and financial liabilities.
Damages Due to Accidents: If your car is damaged due to an accident, nothing to worry about as your car insurance policy got you covered.
Car Thefts: In case your car is stolen, your car insurance policy will look after the same.
Damages Caused in Fire: If your car catches fire, your car policy will pay for the damages.
Damages Due to Natural/Man-made Disaster: When flood, hurricane, hail storm, tornado, riots, etc attack your car, your insurance policy comes in handy.
Personal Accident: In case you meet with an accident that leads to injuries or unfortunately death, your policy will offer compensation of up to INR 15 lakh.
Note: You will have to buy PA Cover separately.
What is not Covered Under Škoda Car Insurance Policy
Drunken Driving: No car insurance company will accept your claim if you were drunk or under an intoxicant when the accident happened.
Unauthorised Driving: Your claim will be rejected if the driver is without a valid Driver’s License.
Deliberate Accident: If the accident has been caused purposely, the claim will be rejected.
Consequential Damages: Consequential damages that are caused after the accident are not covered under insurance.
Negligence: An accident occurs because of your own negligence, you won’t be able to claim the damages.
Depreciation: Damages that are caused because of normal wear and tear, mechanical or electric failure due to travelling.
Expired policy: If the policy has lapsed, your damages will not be covered.
Excluded Add-Ons: You will not be able to claim the benefits that you do not have in your plan.
How to Renew Your Škoda Car Insurance Policy
You can renew your Škoda car insurance policy in 5 easy and quick steps.
Step 1 - Fill your Name, Address, Mobile Number,Vehicle’s Make, Model, Variant, Registration Date & the city you drive in.
Step 2- Press ‘Get Quote’ and choose your choice of Plan (third-party liability car insurance, comprehensive add on car insurance, standalone own damage car insurance) or add-ons
Step 3 - Enter details of your previous insurance policy- Date of expiry, Claim made in the last year, No Claim Bonus earned
Step 4 - You will get a quote for your premium
Step 5- Make the final payment to renew your policy
Škoda Auto India Car Models Review
Only a few cars have the perfect blend of practicality, excellent dynamic and robust build quality and one of these cars include the Škoda Rapid. Although the Škoda Rapid is considered to be a mid-size sedan, it still gives a tough fight to all the sedans available in the country for its affordable price point and heavily loaded features.
It is also one of the fastest cars in its own class and, therefore, has an extra edge over its counterparts. In fact, all the models offered by Škoda perform amazingly and can be considered one of the best bets in the market.
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Škoda Car Insurance FAQs
1. How does e-estimate work when purchasing insurance from Škoda Insurance?
Each outlet is well-equipped to provide you with an approximate electronic cost estimate. You can avail an e-estimate from any dealer provided the estimate you are getting is for a Škoda car. You can know more details about the e-estimate by calling them for assistance at their customer service.
2. I disagree with my insurance provider’s valuation. Is there any way to change their valuation?
You can deny accepting the insurance offer if you disagree with the insurance provider's valuation. Gather a few instances and evidence of how much valuation similar cars and models have sold for.
A free service can settle any possible dispute between the businesses and the consumer called Financial Ombudsman Service. You can also opt for this free service to negotiate with your insurance provider.
3. I have fortunately never made an insurance claim for an accident. Can I use my third-party insurance to raise a claim for repairing scratches and dents?
Your car coinsurance covers only the losses suffered by any third-party entity or caused by any violent means. Tears, scratches and dents that arise out of daily usage are not covered under your insurance policy. Hence, you cannot make an insurance claim to repair the scratches and dents of your car.
4. I think my insurance policy is too expensive. What might be the reason for it?
There are a lot of factors that influence your insurance policy premium amounts, and some of them include:
- How much experience in driving you have
- Your age
- Where you live
- The price of your car
- Any previous cases of incidents that you might have with your car
Suppose your car is very costly, then your premium amount shoots higher instantly because repairing the same car will be expensive as well.
5. Is there any way I can lower my car insurance premium amounts?
Two of the best ways to lower the car insurance premium amounts is either by paying the premium amounts annually or semi-annually. Some of the car insurance providers offer a certain percentage of discount on annual and semi-annual premium amount options.
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