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Why Does Your Skoda Need Car Insurance?
A car insurance policy provides coverage to your vehicle for damages due to unwanted events like fire, theft, earthquake, flood, etc. Having a car insurance policy is also a legal requirement, as per the Motor Vehicles Act of 1988. Every
vehicle owner should at least have a third party insurance cover as per legal norm. However, for overall protection of your vehicle, it is advisable to have a comprehensive car insurance policy. Let us go through some reasons to buy car insurance
for Skoda.
Covers Cost of Damage
A luxurious car like Skoda comes with high maintenance cost. Just in case, if it gets damaged due an accident or any natural or man-made disasters, it will lead to hefty repair bills. With comprehensive car insurance policy, your Skoda car will get full-fledged protection from damages due to unforeseen events. You can also avail repair services of Skoda at HDFC Ergo cashless garages.
Diminishes Owner’s Liability
The third party cover under car insurance policy will protect against third party liabilities. Just in case, if your Skoda car causes damages or losses to third party vehicle or property, you will get coverage for that.
It Gives Peace of Mind
With Skoda's car insurance policy, you can drive with peace of mind. A car insurance policy will fulfil legal compliance to drive a vehicle and also safeguards your expenses from damages due to an accident, hence an insured person can stay stress-free. Apart from this, the probability rate of accident in metro as well as non-metro cities is high, having your Skoda car insured will ensure that coverage for damages due to any accident are covered.
Types of Skoda Car Insurance HDFC ERGO Offers
Including own damage cover, third-party liability and a personal accident cover, the single-year comprehensive insurance policy provides all-round protection to you and your vehicle. You can further enhance your car insurance coverage with a host of add-ons.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
The third-party liability insurance is legally mandatory to be able to drive on Indian roads. It covers you against any financial liability to a third-party person or property as a result of an accident that involves your vehicle.
Personal accident cover
Third-party property damage
Injury to a third-party person
The standalone own damage cover provides financial coverage against damage to your own vehicle in case of an accident or natural or manmade calamity. It also protects against theft. This is the perfect partner to your third-party car insurance policy. The choice of add-ons further enhances your coverage.
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
This plan has been designed by the experts for your convenience. Get a 3-year third-party cover and a yearly own damage cover in one package to ensure you’re seamlessly protected even when your own damage cover expires. Simply renew the own damage cover to enjoy comprehensive protection.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Skoda Car Insurance
The extent of coverage you will get depends on the plan that you choose for your Skoda car. A comprehensive Skoda car insurance policy will usually include the following
Accidents
We cover against financial losses arising due to an accident.
Fire and explosion
You are financially protected against fires and explosions concerning your car.
Theft
Your car getting stolen is the stuff of nightmares. We ensure your peace of mind in that case.
Calamities
Natural or manmade, we provide financial coverage across a wide range of calamities.
Personal Accident
Your treatment charges are taken care of, in case of an accident.
Third Party Liability
Injuries or damage to any third-party person or to their property is also covered.
With every insurance policy, there is a defined ambit of coverage. Which means, there are a few cases that are not covered by your Skoda car insurance policy:
Depreciation
Unless you’ve taken a Zero Depreciation cover, depreciation is not covered under your policy.
Wear and tear
Natural wear and tear of components can cause them to malfunction over time. This is not covered under your insurance.
Electrical or mechanical breakdown
Electrical or mechanical breakdowns of any nature are not covered, unless specific add-ons are taken.
Illegal behaviour
Driving under the influence of drugs or alcohol or not having a license is not covered, as are other legal violations.
The perfect companion to your SKODA car insurance - Our add on covers
Calculate Your SKODA Car Insurance premium in a breeze
STEP 1
Enter your Skoda car registration number.
STEP 2
Select your policy cover*
(in case we are not able to auto fetch your Skoda
car details, we will need a few details of the car such as make,
model, variant, registration year, and city)
STEP 3
Provide your previous policy
No Claim Bonus (NCB) status.
STEP 4
Get an instant quote for your Skoda car.
Claims Get Easier With Us!
The world has gone digital, and so has our claim settlement process with these four quick, easy-to-follow steps.
Step #1Do away with paperwork and share your documents online through our website to register your claim.
Step #2Opt for a self-inspection or a digital inspection of your Skoda by a surveyor or workshop partner.
Step #3Track your claim status through our smart AI-enabled claim tracker.
Step #4Relax while your claim is approved and settled with our extensive network garages!
How to Renew Skoda Car Insurance?
Renewing or buying a new Skoda car insurance policy is incredibly easy and quick. And you can do it all by yourself with just a few clicks. In fact, get your policy in a matter of minutes now. Follow the four steps below to get yourself covered.
- Step #1Visit HDFC ERGO website and choose to buy or renew your policy
- Step #2Enter your car details, registration, city, and previous policy details, if any
- Step #3Provide your email ID, and phone number, to receive the quote
- Step #4Make the online payment and get covered instantly!
Why HDFC ERGO Should be Your First Choice?
HDFC ERGO offers a variety of reasons to buy your Skoda car insurance policy. This way, you will not only stay financially covered against uncertain events, but also be able to comply with the law. With multiple advantages that are associated with an HDFC ERGO car insurance policy, you will always get the best deal. Our key advantages include:
Convenient and extensive service
Your out-of-pocket expenses are minimised with direct cashless settlement with the workshop. And with over 6700 cashless garages across the country, help is always at hand. The 24x7 roadside assistance is just a phone call away, ensuring you’re never stranded helplessly.
Extensive family
With over 1.5 crore happy customers, we know your exact needs and have put smiles on a million faces. So, keep your worries aside and join the club!
Overnight service
HDFC ERGO’sovernight service repairs takes care of minor accidental damage or breakdowns to ensure your car is ready to use the next day.This way, your routine doesn’t get disrupted. Simply catch up on your night’s sleep and allow us to get your car ready in time for your morning commute.
Easy claims
Making claims is easy and quick. We make the process paperless, allow self-inspection, and offer quick settlement to keep your worries at bay.
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Still wondering if you need car insurance?
Find us wherever you go
Picture this. You're out on a road trip, driving through scenic, unmapped roads far away from the hustle of the city. And unexpectedly, you face a hiccup in the journey. In such situations, more often than not, finding the cash to pay for help is harder than finding the help itself. However, with the network of cashless garages, you will never find yourself stranded.
HDFC ERGO car insurance for your Skoda car gives you access to a vast network of 6700+ cashless garages. Located all over the country, these cashless garages ensure that you never need to worry about not having the cash to pay for expert help! We've got you covered!
cashless Garagesˇ Across India
Top tips for your Skoda car
• Remove spark plug, if you are planning to park your vehicle for a long period. This will help avoid rust inside the cylinder.
• Keep the fuel tank full when leaving your Skoda car parked for long time. This will prevent rusting of fuel tank.
• Avoid putting the car on hand brake. When you apply the hand brake or parking brake of your car and keep it idle for a long time, the brake pads tend to get attached to the brake rotor, which can lead to the formation of rust at times.
• Check your tyre pressure, engine oil of your Skoda car before leaving for a long trip.
• Avoid keeping electrical switch on for longer time during the trip, this will increase your Skoda car battery life.
• Regularly change your Skoda car engine oil.
• Change lubricant and oil filter regularly.
• Replace the air filter regularly and keep the exterior clean.
• Avoid potholes and drive slow over speed bumps. Going fast over potholes and speed bumps can damage shock absorbers, tyres and suspension.
• Unless it is an emergencies, it is advisable to avoid sharp braking. Sharp braking heats up the braking system and increases the wear and tear of brake pads and tyres.
• Use The Hand Brake While Parking your Skoda car. If you are parking on an incline, it is wise to leave the car in either reverse or 1st gear.
Frequently asked questions
a. Third-Party Cover
b. Standalone Own Damage Cover
c. Single Year Comprehensive Cover
d. Cover for Brand New Cars
The Third Party Cover is mandatory, but the other plans are optional.
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