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Variants of Skoda Rapid Car
Skoda Rapid is available in the market in a wide range of model and variant choices. All cars come with the same 1.0 TSI Petrol, in-line, 4 Stroke Positive Ignition Direct Injection Engine. At the most expensive end of the spectrum is the Monte Carlo Edition which is the most feature-packed version and comes with luxury interior leatherette seat upholstery.
At the cheapest end of the spectrum sits the Rider MT variant which comes with manual transmission only, while all others get a choice between manual and automatic transmission options. Other variants that sit between the most expensive and the cheapest ones include Rider plus, Ambition, Onyx, and Style variants, which come with different features.
Skoda Rapid Matte Edition is also available for people who would rather prefer to have matte finish paints. It comes in a carbon steel matte colour paint on the outside, Tellur grey theme interior with Alcantara inserts on black leatherette seats.
| Model | Engine | Manual Transmission | Automatic |
| Rider | 1.0L TSi Petrol | 6 speed | Not Available |
| Rider Plus | 1.0L TSi Petrol | 6 speed | 6 speed |
| Rider Plus | 1.0L TSi Petrol | 6 speed | 6 speed |
| Ambition | 1.0L TSi Petrol | 6 speed | 6 speed |
| Onyx | 1.0L TSi Petrol | 6 speed | 6 speed |
| Style | 1.0L TSi Petrol | 6 speed | 6 speed |
| Monte Carlo | 1.0L TSi Petrol | 6 speed | 6 speed |
| Matte Edition | 1.0L TSi Petrol | 6 speed | 6 speed |
Types of Skoda Rapid Car Insurance HDFC ERGO Offers
Considering the wide range of options that Skoda has in the market for Rapid buyers, HDFC ERGO has also introduced multiple policy choices for people who already have a Skoda Rapid or are buying a new car or are looking to buy a used Skoda Rapid. You can choose from our wide range of offerings, as detailed here.
This is our most sought-after product because of its all-round protection. In this Skoda Rapid car insurance, you will be covered for:
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
This is the basic Skoda Rapid car insurance policy that matches the legal requirements. It offers only basic third-party protection, including:
Personal accident cover
Third-party property damage
Injury to a third-party person
This is a new car plan for people who purchased a Skoda Rapid one year back and still have the third-party cover, but their own damage cover is up for renewal. This policy offers:
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
This is our comprehensive insurance policy offered for a long, three-year period to ensure you get price protection and long-term cover convenience. Just like the single year comprehensive Skoda Rapid car insurance plan, you will get:
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Skoda Rapid Car Insurance
Skoda Rapid car insurance policy is offered as a complete package which fulfils all your requirements and ensures the best protection for your car. When you approach us for a policy, we try to offer you the best value for money and a seamless experience in all aspects. With our policy, you will get:
Accident coverage
IRDAI has mandated a personal accident insurance cover of INR 15 lakhs to be sold with an insurance policy for covering medical treatment costs of owner-driver if the vehicle has an accident. This is offered as a protection with the policy and you only need to buy it once even if you have multiple vehicles.
Natural calamities
Natural calamities like earthquake, snowstorm, floods and many others are something on which you have no control. Similarly, you do not have any control over manmade calamities like riots, attempted burglaries etc. as well. If your vehicle is damaged in any calamity, the insurance company will compensate you.
Theft
Car theft is a common crime in India. If your car is stolen and the police are unable to trace it, you can rely on the car insurance company to help you out. The insurance company will offer you an eligible amount of money as a compensation for your losses.
Personal accident
IRDAI has mandated a personal accident insurance cover of INR 15 lakhs to be sold with an insurance policy for covering medical treatment costs of owner-driver if the vehicle has an accident. This is offered as a protection with the policy and you only need to buy it once even if you have multiple vehicles.
Third-party liability
As per Motor Vehicle Act, you are required to have a third party insurance policy for your car before you can drive it on a public road. Not having this cover can lead to a challan from traffic police. This is included when you buy a policy from HDFC ERGO.
Wide range of add-ons
A range of add-ons are available for you to improve the cover scope of your Skoda Rapid car insurance. You can choose to have a zero depreciation cover, return to invoice cover, emergency roadside assistance cover, engine protector cover and more.
Insurance companies have their own limitations and they can only provide protection for your car within the terms and conditions of the policy contract. In order to provide better service to the largest number of customers, insurance companies are compelled to mark some situations as exclusions, which are not covered under insurance policies. Commonly, these are:
Depreciation
Regular usage of your vehicle will lead to reduction in its value. This reduction is called depreciation and it is calculated as per a predefined formula. Depreciation is not covered in the policy, but you can buy a zero depreciation add-on to offset this exclusion.
Taxes and government dues
Buying a new vehicle involves many taxes and dues that need to be paid to the government, such as road tax, parking charges, registration changes etc. For a new vehicle, return to invoice add-on cover brings all these under the purview of the car insurance policy.
Electrical breakdown
Cars need regular servicing and maintenance for them to be able to serve you. If you do not maintain your car well, it may suffer one or more failures in its mechanical or electrical systems, which will not be covered by the policy.
Illegal behaviour
Breaking the law means your car insurance policy cannot cover you. Such illegal behaviour can include but will not be limited to drunk driving, using a private vehicle for commercial purposes, or driving without a valid licence, registration or PUC document.
How to Renew Skoda Rapid Car Insurance?
We have a very fast and simple process in place, using which you can renew your existing car insurance policy or get a new one. Whether you already have an HDFC ERGO policy or you are porting to us from a different company, these steps are fast and simple.
Step #1Log onto the HDFC ERGOwebsite or download the mobile app, and choose the renew option
Step #2Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3Provide your email ID and phone number, to receive the quote
Step #4Make the payment online, and voila! You’re secured.
Why Buy Skoda Rapid Car Insurance from HDFC ERGO?
HDFC ERGO has been a leading provider of motor insurance products in India for a long time now. We enjoy the confidence of more than one crore customers, thanks to the special efforts put in by our teams to develop the best insurance products and deliver exceptional customer experience. There are multiple reasons why our customers tend to trust in HDFC ERGO time after time. Here are a few reasons that make HDFC ERGO the best choice among all motor insurance policy providers in India.
Fast and simple processes at every step
Right from purchasing a new policy to the renewal of an existing policy to filing of a claim, we have tried to keep things as simple as possible. We use advanced technologies not only to make processes faster, but also more efficient and accurate.
A wide array of discounts
One key reason that car owners tend to get attracted to HDFC ERGO so much is because we try to save you money at every step possible. This is the reason why we offer a wide range of discount options on all our products. You can accrue up to 50% No Claim Bonus if you go five years without filing a claim. A further 5% discount is available for cars fitted with anti-theft devices and members of automobile associations get another 5% discount.
Instant policy renewal
Another reason why HDFC ERGO is your best bet for a Skoda Rapid car insurance policy, is that we offer you an instant policy. Our overall policy renewal process is highly automated and all you have to do is provide the vehicle and active policy details. Once you make the payment for your policy, you do not have to wait for days for the policy document to reach you. We provide the policy document immediately over email.
Smooth changeover from other insurance companies
It is very easy for you to come to us for cover even if your previous policy was from another company. When you come to HDFC ERGO for a policy renewal, we will carry forward the No Claims Bonus you may have accumulated with the previous insurance provider.
Wide range of add-ons to improve your coverage
We realise that no two customers are the same, which is why we have developed a wide range of add-ons to choose from. They can improve the coverage you get.
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