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Motor Insurance

Skoda Car Insurance

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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

Benefits You Deserve

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Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs

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7200+ Cashless garages

Wide network of cashless garages for hassle free service

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On the Spot Claim Settlement

Register claim on accident spot and get it settled within minute on our app

Skoda Car Insurance

Skoda has built a reputation for manufacturing elegant, powerful, and dependable cars that stand the test of time. From the luxurious Octavia to the sporty Kushaq, Skoda models have carved a strong presence in the Indian automobile market. However, protecting such a prized possession with the right Skoda insurance is equally important.

With Bajaj  General Insurance , you can purchase or renew your Skoda car insurance online with ease. Whether you're looking for basic third-party coverage or a comprehensive plan with valuable add-ons, Bajaj  General Insurance  offers flexible options to suit your needs and budget. With features like 24/7 customer support, seamless online transactions, and quick claim settlements, you're always in safe hands.

At-A-Glance

Compare Insurance Plans Made for You

Feature
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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Car 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

Skoda Car Variants and Prices

 

 Skoda Model

 Ex-Showroom Price

 Skoda Kushaq

 INR 10.79 L – INR 18.00 L

 Skoda Rapid

 INR 7.79 L – INR 13.49 L

 Skoda Superb

 INR 31.99 L – INR 35.85 L

 Skoda Octavia

 INR 26.29 L – INR 29.29 L

Unique Selling Points: Skoda Car Features

 Key Feature

 Description

 Crystalline Design Language

 Sleek, modern design aesthetics

 LED Lighting

 DRLs, fog lamps, and C-shaped tail lights

 Virtual Cockpit & Infotainment

 SmartLink tech with large touchscreens

 Safety Features

 Multiple airbags, ABS, and cruise control

 Comfort Add-ons

 Memory seats, ambient lighting, and climate control

Skoda Car Insurance Premium Calculator

 

 Premium Estimation Factor

 Details

 IDV (Insured Declared Value)

 Impacts claim amount and premium

 Car Variant & Location

 Affects base insurance rate

 Add-ons Selected

 Increases premium but adds value

 No Claim Bonus (NCB)

 Lowers premium with claim-free history

*Use online calculators to get precise Skoda insurance quotes.

Download Policy Document

Get instant access to your policy details with a single click.

Step-by-Step Guide

To help you navigate your insurance journey

How To Buy

  • 1

    Download the Caringly Yours app from App stores or click "Get Quote"

  • 2

    Register or log in to your account.

  • 3

    Enter your car details

  • 4

    You will be redirected to the Car Insurance Page.

  • 5

    Ensure to check your No Claim Discount

  • 6

    Choose right Insured Declared Value (IDV) that reflects your car value

  • 7

    Evaluate Covers, Add Ons, Optional Covers and Exclusions

  • 8

    Select a plan from the recommended options, or customize your own plan

  • 9

    Review the premium and other coverage details

  • 10

    Proceed with the payment using your preferred method

  • 11

    Receive confirmation of your purchased policy via email and SMS

How To Renew

  • 1

    Login to the app

  • 2

    Enter your current policy details

  • 3

    Review and update coverage if required

  • 4

    Check for renewal offers

  • 5

    Add or remove riders

  • 6

    Confirm details and proceed

  • 7

    Complete renewal payment online

  • 8

    Receive instant confirmation for your policy renewal

How to Claim

  • 1

    Download our Caringly Yours App on Android or iOS

  • 2

    Register or login to use Motor On the spot claim for a smooth process

  • 3

    Enter your policy and accident details (location, date, time)

  • 4

    Save and click Register to file your claim

  • 5

    Receive an SMS with your claim registration number

  • 6

    Fill in the digital claim form and submit NEFT details

  • 7

    Upload photos of damaged parts as instructed

  • 8

    Upload your RC and driving license

  • 9

    Receive an SMS with the proposed claim amount

  • 10

    Use the SMS link to agree/disagree with the claim amount

  • 11

    Agree to receive the amount in your bank account

  • 12

    Track your claim status using the Insurance Wallet App

Know More

  • 1

    For any further queries, please reach out to us

  • 2

    Phone +91 020 66026666

  • 3

    Fax +91 020 66026667

Documents Required to Raise a Skoda Car Insurance Claim

 

 Document

 Purpose

 Duly filled claim form

 Claim initiation

 Skoda insurance policy document

 Proof of coverage

 Registration Certificate (RC)

 Vehicle identity

 FIR copy (if applicable)

 Legal compliance in theft/accidents

 Repair bills and estimates

 Damage assessment

 

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What Our Customers Say

Great coverage option

Enjoyed a smooth motor insurance experience with Bajaj General app. Great coverage options!

AryanPatil

Aryan Patil

Pune

5

19th Jan 2025

User friendly App

Bajaj General app simplifies the motor insurance process. Quick, efficient, and user-friendly! 🎯

NaadiyaRafiq

Naadiya Rafiq

Mumbai

5

19th Jan 2025

Seamless Policy generation

Love the ease of getting motor insurance through Bajaj General Caringly Yours app. Highly recommend! 🙌

MonuDubey

Monu Dubey

Chennai

5

19th Jan 2025

Seamless Policy generation

Caringly Yours by Bajaj General offers a fast and secure motor insurance process. Highly efficient!

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Rasool Rosi

Delhi

5

19th Jan 2025

User friendly App

The Bajaj General Caringly Yours app is ideal for motor insurance. User-friendly and dependable! 🚗

SamShona

Sam Shona

Mumbai

5

14th Jan 2025

Easy renewal

Need to renew motor insurance? Bajaj General Caringly Yours App makes it an effortless task. 👍

ShanQureshi

Shan Qureshi

Delhi

5

11th Jan 2025

Seamless Experience

Bajaj General Caringly Yours App makes motor insurance renewal easy. Just a few clicks, and you're covered! 🚙

LakshayDhariwal

Lakshay Dhariwal

Pune

5

11th Jan 2025

Economical coverages

Cool, fast, and economical motor insurance options available with Bajaj General. Fantastic experience with the app! 🚘

BijuVR

Biju VR

Bengaluru

5

23rd Dec 2024

FAQ's

Q1. What factors determine Skoda insurance cost?

Skoda insurance cost is influenced by the car model, location, IDV, add-ons, and previous claim history.

Is Skoda car insurance costly?

The cost depends on your model and coverage type. With Bajaj General Insurance, you get affordable premium options.

Is it necessary to buy third-party car insurance for my Skoda car?

Yes, under the Motor Vehicles Act, having at least third-party insurance is mandatory in India.

What is the use of IDV in Skoda car insurance?

IDV is the estimated market value of your car and determines the maximum sum insured in case of total loss or theft.

What types of car insurance plans are available for my Skoda car?

 You can choose from third-party, standalone own damage, or comprehensive Skoda insurance plans.

Can I buy add-on covers with third-party car insurance for my Skoda?

No, add-on covers are available only with comprehensive or standalone own-damage policies.

Can I purchase Skoda Slavia insurance online?

 Yes, you can easily buy Skoda Slavia insurance online through Bajaj General Insurance’s official website.

Will I need any documents for Skoda car insurance renewal online?

 Typically, no physical documents are needed. You only need your previous policy number and registration details.

Can I renew my expired Skoda car insurance?

Yes, Bajaj General Insurance allows you to renew your expired policy after a quick inspection and document verification.

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