What is the procedure to renew my Skoda car insurance after expiry?

Renewing your Skoda car insurancepolicy after it has expired is super easy and simple. Log onto HDFC ERGO and purchase a new policy. When entering your previous policy details, you will have the option to renew it, albeit with an inspection of the car, depending on the time that has elapsed. If you renew it close to the expiry date, you may even be eligible to self-inspect the car and send pictures and videos of the vehicle to the insurer before it is approved. After you make the payment, you will be insured again.

Will I lose NCB in case my Skoda car insurance expires?

The NCB is preserved upto 90 days of policy expiry, after which it is reset to zero. However, you can get an NCB reservation letter from the insurer in case you sell your car and pass the endorsement (change in policy about car ownership). This letter, i.e., the NCB, is valid for a period of three years. But if you sell your car after three months post-policy period, you will not be eligible for an NCB reservation letter.

How can I renew my Skoda car insurance online?

Renewing your Skoda car insurance online is even easier and simpler than buying a new one. Log onto HDFC ERGO or download the mobile app. Select the renew policy option and update car details. Select the IDV and make the payment. The entire process will take less than 3 minutes.

Which cover should I opt for Skoda car insurance, and why?

Taking a comprehensiveSkoda car insurance is almost always the recommended option. And with that we recommend the zero-depreciation cover and return to invoice cover. The zero-depreciation cover saves you the cost of paying for depreciation when repairing or replacing parts of your car after an accident. The return to invoice cover pays you the full price you had paid for the car in case of total loss or theft. Furthermore, you can consider the NCB protection add-on to file a claim without losing your NCB. And if you live in a flood-prone area, then an engine protection cover is a must.

What should I keep in my mind before renewing Skoda Car insurance?

Firstly, compare policies online to arrive at the average IDV range of your vehicle. Then compare the premium rates as well.It’s important to choose anoptimum Insured Declared Value(IDV) to premium ratio. Lowering your IDV will lower your premium, but you may end up underinsured. Similarly, a higher IDV may not be as cost-effective. IDV is the maximum payout you can receive from the insurer – in cases involving theft or total loss of the vehicle. Make use of the add-ons, as they are likely to change depending on your usage of the car. Avail an NCB protection add-on if you foresee a claim being made in the following year. Choose an engine protection add-on if you’re parking your car in the basement where water logging is a possibility.

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Buy/Renew Skoda Car Insurance Online

Skoda Auto India Pvt. Ltd. is one of the first European car companies to have entered the Indian market in the new millennium. The company started operations in November 2001 and since then they have been one of the few companies which have been able to carve a niche for themselves in the passenger car market in India. Over time, they have introduced cars with sophisticated designs and good looks. Over the two decades, the company has built an image for itself as a maker of high-end cars that are well-built and last long.

Popular Skoda Car Models

Skoda New Kushaq

Keeping up with the increase in demand for compact size SUVs, as more and more people move into the upper-middle class, Skoda has introduced the Kushaq compact SUV in India. This is the car for people who are looking to buy a compact SUV but do not want to go with commonplace models. The car is loaded with abundant security features and has a great range in both engine and transmission choices. The ex-showroom cost of the vehicle in Delhi is between Rs 10.5 lakhs and 17.6 lakhs.

Skoda New Octavia

Octavia was the car from Skoda that was the first reason for their success in India. It came as a fresh breath for a market that was lacking a good mid-range sedan in a country that has been starved of choice for many years. After a long time, the company has decided to build on the same magic once more by introducing the New Octavia. Launched at a price of Rs 26 lakhs, the car has already made popular inroads into the market and has gained ready acceptance among people who already enjoyed the original Octavia.

Skoda New Superb

The New Superb is a true successor of the original Skoda Superb. When the original Superb was launched, there was not much of a choice in the country for a limousine-length luxury sedan. The original Superb became an instant hit. The New Superb has also tried to create similar magic in the Indian car market. At a base price of Rs 32 lakhs, the car now has a much larger market than what the original model had when launched in India. It also comes with much better equipment options.

Skoda Rapid 1.0 TSI

Skoda Rapid 1.0 TSI is the entry-level sedan and the cheapest car from the company that is available in India right now. For someone looking to buy their first sedan, and more specifically, their first car from a European company, there is no better choice than the Skoda Rapid. Starting at a low ex-showroom price of Rs 7.79 lakhs, the car is the perfect choice for everyone. It provides multiple options in trim and transmission and comes with a 999 CC engine and impressive 175HP.

Skoda Rapid Matte Edition

This is the company’s answer to everyone who loves matte paint. The Skoda Rapid Matte Edition is a car that builds upon the enduring legacy of Skoda Rapid, but comes with a special new, matte paint job in black colour. As attractive as the colour is, it is meant for the most dedicated car lovers because it will require a lot of effort to keep clean and good-looking. The motive systems and internal trim of the car are just like the other editions of Skoda Rapid 1.0 TSI, so you can expect really good performance.

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

Single Year Comprehensive >

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.

Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE

Third-party Cover >

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.

Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

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Stand alone own damage cover >

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.

Suitable for those who already have a valid third-party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

EXPLORE MORE GET A FREE QUOTE NOW!

Private car Bundle Policy >

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.

Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE GET A FREE QUOTE NOW!

Inclusions & Exclusions of Skoda Car Insurance

What is covered?
What is not covered?

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.

Covered in Car insurance policy - Calamities

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.

Covered in Car insurance policy - Accidents

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

Zero Depreciation Cover

Zero depreciation add on cover will benefit the insured person at the time of making claim. With this add-on cover, the insurer will give the entire amount against the claim for damaged part without deducting its depreciation value.

No Claims Bonus Protection

If you opt for no claim bonus protection add on cover with your Skoda car insurance policy, then you can keeps the bonus component intact even if some claims are raised during the policy tenure. With this add-on cover, you can raise two claims in a policy year without losing the accumulated NCB.

Emergency Assistance Cover

Emergency Assistance Cover is an additional cover that is available for purchase with standalone own-damage and comprehensive car insurance policy. This add-on cover is designed to provide you support in case of a sudden accident or breakdown in the middle of a highway.

Return to Invoice

This add-on cover helps the vehicle owner recover substantial financial loss. With a return to invoice cover, the insured customer has the right to claim full compensation if the car is stolen or suffers irreparable damage.

Engine & Gear Box Protector

Engine and gear box protector add on cover provides coverage for expenses incurred to repair engine and gear box. The coverage is applicable if damage is due to leakage of lubricating oil, water ingression, and damage to gear box.

Downtime Protection

If your Skoda car meets with an mishap, it might take many days for it to get repaired. During that period, you may have to rely temporarily on public transport for travelling, thereby causing you inconvenience. With downtime protection add on cover, the insurer will offer daily coverage to meet your transportation costs till your car’s ready to use.

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 #1
Do away with paperwork and share your documents online through our website to register your claim.
Step #2
Opt for a self-inspection or a digital inspection of your Skoda by a surveyor or workshop partner.
Step #3
Track your claim status through our smart AI-enabled claim tracker.
Step #4
Relax 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 #1
Visit HDFC ERGO website and choose to buy or renew your policy
Step #2
Enter your car details, registration, city, and previous policy details, if any
Step #3
Provide your email ID, and phone number, to receive the quote
Step #4
Make 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 8000 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 1.6 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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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 8000+ 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!

8000+

cashless Garagesˇ Across India

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Top tips for your Skoda car

Tips for long-parked car

• Park your Skoda car in covered parking, this will prevent wear and tear from rain and sunlight. If you are parking your Skoda car outside, make sure you put a cover on.
• 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.

Tips for trips

• Before leaving for a long journey, ensure that the fuel tank is full, never risk driving on reserve.
• 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.

Preventive maintenance

• Periodic inspection of fluid check for smooth functioning of your Skoda car.
• Regularly change your Skoda car engine oil.
• Change lubricant and oil filter regularly.
• Replace the air filter regularly and keep the exterior clean.

Daily Dos and Don’ts

• Wash your car with car cleaning liquid soap and water. Avoid using household dish soap, as it may have adverse effect on the paint.
• 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

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

With HDFC ERGO, there’s no dearth of choices. You can protect your Skoda car and secure yourself from the financial burden of meeting the cost of repairs and damages with the following types of plans.
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.

What are the benefits of buying a Skoda car insurance policy online?

There are many benefits if you choose to buy your Skoda car insurance plan online. With minimal to no documentation, quick and near-instant policy issues and the option to compare various car insurance plans at a glance, buying car insurance online is convenient and hassle-free.

What are the factors that affect the Skoda car insurance prices?

The premium for your Skoda car insurance depends on a number of factors. In case of Third-Party Covers, the cubic volume of the vehicle determines the premium. However, for Comprehensive car insurance, the premium depends on factors including Insured Declared Value (IDV), the cubic capacity, the city in which your car is registered, the kind of coverage you opt for and whether or not your car has any modifications. It is best to use a car insurance premium calculator to derive a number for your premium!

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Premium starting

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Buy/Renew Skoda Car Insurance Online

Popular Skoda Car Models

Why Does Your Skoda Need Car Insurance?

Covers Cost of Damage

Diminishes Owner’s Liability

It Gives Peace of Mind

Types of Skoda Car Insurance HDFC ERGO Offers

Inclusions & Exclusions of Skoda Car Insurance

Accidents

Fire and explosion

Theft

Calamities

Personal Accident

Third Party Liability

Depreciation

Wear and tear

Electrical or mechanical breakdown

Illegal behaviour

The perfect companion to your SKODA car insurance - Our add on covers

Calculate Your SKODA Car Insurance premium in a breeze

STEP 1

STEP 2

STEP 3

STEP 4

Claims Get Easier With Us!

How to Renew Skoda Car Insurance?

Why HDFC ERGO Should be Your First Choice?

Convenient and extensive service

Extensive family

Overnight service

Easy claims

Car Insurance for Popular Brands

Other Popular Car Make & Models In India

Find us wherever you go

cashless Garagesˇ Across India

Top tips for your Skoda car

Frequently asked questions

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

What are the benefits of buying a Skoda car insurance policy online?

What are the factors that affect the Skoda car insurance prices?

Get Motor Insurance for your Car

Premium starting

8000+ Cashless

Overnight Car