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Skoda Car Insurance Online

The Czech brand entered India in the year 2001 with its popular Octavia sedan. Falling under the ambit of the Volkswagen group, Skoda shares platforms, engines and components with other Volkswagen group cars in India. Skoda managed to capture the imagination of Indian car buyers with its built quality, engine performance, driving dynamics and impressive fuel economy (especially with its diesel engines).

Skoda now retails the second generation of Octavia, compact sedan Rapid, luxury sedan Superb and recently introduced their first-SUV - the Kodiaq. Skoda had entered the premium hatchback segment with the Fabia but, the car met limited success and was eventually taken out of production.

Skoda has worked extensively to bring down its maintenance cost to mass market carmaker levels. Now, all Skoda cars are offered with extended warranty and comprehensive maintenance packages. Skoda plans to launch more SUVs in the future along with five-seat Karoq compact SUV, which is set to enter India soon.

Four Popular Skoda Models

Skoda Rapid – Skoda’s offering in the compact sedan segment, the Rapid, has always been a fun-car-to-drive with its punchy motors and balanced suspension set-up. The Rapid also offers a roomy cabin and good list of equipment to meet the needs of the segment. Further, it also shares its platform and engines with Volkswagen Vento. Having said that, Skoda has managed to give the Rapid a more sporty character.

Skoda Octavia – The model which single handedly established the brand in India, the Octavia has entered its third generation. It remains an interesting product which offers practicality and impressive driving dynamics in the mid-sized sedan segment. Roomy cabin, choice of engines, exhaustive list of features and great ride quality ensures that it remains a firm favorite in its segment.

Skoda Superb – The executive limousine from the Czech carmaker impressed us with the value it provided when compared to similar sized car from German luxury brands. The second generation Superb continues to offer generous space inside the cabin, long list of equipment and an impressive ride quality. It is like the all-rounder which is too hard to resist for someone looking at a luxurious executive sedan.

Skoda Kodiaq – The first ever SUV from Skoda, the Kodiaq, recently made its way to India and has all the traits of the brand wrapped up in a much more appealing ‘SUV’ package. This seven-seat SUV offers immense practicality, segment-leading features, frugal engine and all-wheel drive capability. Competing against full-sized off-roaders, Skoda has given the Kodiaq enough road presence but, with a touch of understated elegance to the overall design.

Importance of buying Skoda Car Insurance with HDFC ERGO

HDFC ERGO Car Insurance Policies offer cashless claim services at over 4600+ authorized garages across India. We offer you a wide range of vehicle insurance plans online for optimum coverage at the most competitive premiums.

  • Quick approval on Claims
    Estimated claim approval within 24 hours, of vehicle reaching garage.
  • Buy online for added convenience
    Wherever you go, use your mobile app for instant buying.
  • 24*7 Support
    HDFC ERGO offers round the clock support for convenience and a hassle-free experience. You can call us on 1800 2666 400 or write an e-mail to: care@hdfcergo.com.
  • Trusted by Millions
    HDFC ERGO General Insurance is a recognized brand for taking care of your insurance needs. With 75 lac happy customers, HDFC ERGO has been assigned ‘iAAA’rating by ICRA indicating its highest claim paying ability.
  • Fair and transparent claim settlement policies
    HDFC ERGO Motor Insurance claims are settled with utmost transparency.

Know the Essentials Offered by HDFC ERGO for Skoda Car Insurance

HDFC ERGO understands the growing importance of car insurance and the need for maximum coverage. To offer total cover against damage due to accidents or natural calamities, it offers best suited Car Insurance for your vehicle. It offers a well-suited comprehensive cover with a host of benefits to offer:

  • Own Damage and third party damage cover
    In case your vehicle gets damaged due to an accident, fire, theft, cyclone, flood etc. Third party cover is in built under the comprehensive policy. A liability only insurance policy covers injury, death to a third party. HDFC ERGO Car Insurance secures your car and helps in covering the damage repair expenses. Not only that, it also cover the your third party liabilities
  • Personal Accident Cover
    The personal accident cover helps in covering medical expenses arising in case of death or disability of the insured driver. Additionally, the named passengers can also be secured at an additional premium.
  • Multiple Add-on covers for extra protection:
    HDFC ERGO also offers wide range of add-on covers like engine and gear box protection cover, Emergency assistance cover, Consumables cover, NCB protection cover, zero depreciation cover etc.

What is covered under HDFC ERGO Car Insurance Cover for Skoda?


1. Own damage to the vehicle caused due to

a. Accident by external means
b. Burglary, housebreaking or theft
c. Fire, explosion, self-ignition, lighting
d. Terrorism, riots, strike or malicious act
e. Transit by road, rail, inland waterway, lift
f. Earthquake, flood, storm, landslide, rockslide

2. Personal Accident Cover

a. It covers costs incurred during medical treatment or death of the driver. However, you can choose to cover the occupants by paying additional premium

3. Third Party Legal Liability

a. Accidental death or injury to any third party
b. Any damage to property owned by third party

Choose a variety of optional covers for Skoda Car Insurance on payment of additional premium, as listed below:

1. Electrical / Non Electrical items can be insured separately
2. Personal Accident cover for Named / Unnamed Passengers
3. Personal Accident cover for paid driver / employee
4. Legal liability for paid driver in connection with the operation of the insured vehicle
5. Legal liability to Non fare paying passengers

(The above listed optional cover can be opted on paying additional premium)

Add ON Insurance Covers for Skoda Car

Opting for HDFC ERGO Comprehensive Motor Insurance plan is indeed the best way to pamper your beloved vehicle. However, it’s always essential to upgrade your motor insurance policy with Add-on covers to ensure maximum coverage for total protection. Let’s take a quick look at Motor Insurance Add-on car insurance that brings in more safety, protection with added coverage for a happy driving experience.

Zero Depreciation Claim

Provides benefits against depreciation on parts at the time of a partial loss claim

What’s not covered?

Tyre & battery costs

Loss of Use / Down Time Protection

HDFC ERGO Loss of User or Down time protection add-on policy reimburses a daily benefit towards the cost of alternate means of transport for the duration the insured vehicle is repaired or replaced.

Engine and Gear Box Protection Cover

It secures your car against any damage to engine & gear box against unpredictable weather or incessant rains. This add on cover is a saviour and comes to your rescue especially during unpredictable weather conditions.

No Claim Bonus Protection

On every claim free renewal you get discount in the form of No Claim bonus; however, accidents are unpredictable and we understand that. Considering this, HDFC ERGO provides an add-on cover No Claim bonus protection helps you in retaining it for the next renewal of your policy.

Emergency Assistance Service Programme

This add-on cover helps you deal with any mechanical or technical breakdown or road accident. It aims at providing round the clock road assistance for a pleasurable driving experience. Further it has a bouquet of services which includes tyre replacement cover, towing of vehicle to the nearest garage, emergency fuel delivery, battery jump start, accommodation arrangement, alternate travel arrangement, minor repairs on the spot etc.

(T&C* Please read the details on territorial scope for emergency assistance)


To read the detailed list of car-add ons please Click Here)

(The above listed optional cover can be opted on paying additional premium)

What is not covered under HDFC ERGO Car Insurance Cover for Skoda?

1. Depreciation
2. Mechanical or Electrical breakdown, failure
3. Damage by a person driving under the influence of Liquor / Alcohol / Drugs
4. Depreciation, any consequential loss
5. Loss / Damage attributable to War / Mutiny / Nuclear risks
6. Damage to tyre and tubes unless the vehicle is damaged at the same time in which case the Liability of the company shall be limited to 50% of the cost of replacement
7. Loss / Damage outside India
8. Damage caused by overloading or strain of the Insured Vehicle
9. Damage to any bridge and / or via duct and / or to any road and/or anything beneath by vibration or by the weight of the insured vehicle and / or load carried by the insured vehicle.

*Please note these are illustrative exclusions. For a detailed informative list, kindly refer the policy wordings.

*This content is descriptive only. Actual coverage is Subject to the language of policy issued.

(As per Supreme Court ruling, starting from 1st  Sept, 2018, 3 years third party cover is mandatory.)

Claim process

Claim process - This is something that may seem difficult to understand to most of you. However, HDFC ERGO has well busted the myth. It has made the claim process swift, smooth, and simple. All you need to do is just register your claim via its mobile app, HDFC ERGO Insurance Portfolio Organizer (IPO) or toll free number, 1800 2700 700. Click Here to know details on claim process.

Renewal Process

Renewal of your car insurance online on HDFC ERGO is quick and simple. It will require minimal paperwork. All you need to do is Click Here and give details of your expiring policy online, go through the details of the new policy, and make an instant online payment through multiple secured payment options. That’s it!

Simple procedures, quick dispersals, and unique benefits are what you get when you buy Skoda car insurance online from HDFC ERGO. So, if after any unforeseen mishap, you wish to get back to the driving seat safe and soon, then choose HDFC ERGO as your insurance partner!

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