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Add-ons For Your Skoda Car Insurance
A car's value depreciates constantly with time. Thus, at the time of a claim settlement, the depreciated value of a car is deducted from the claim amount. However, by opting for a zero depreciation add-on you can shift the liability of the depreciation cost to the insurer and get the entire claim amount without any deduction of the depreciation sum. This add-on is generally available till the age of 5 years of car, however, the car age limit varies from insurer to insurer.
A No Claim Bonus (NCB) is a discount given by the insurer in the premium amount to a car insurance policy holder for not making a claim in the entire tenure of the motor insurance policy. This discount is not available if the policy holder has made even a single claim. However, with the NCB cover, a policyholder will be entitled to receive an NCB discount despite having made a claim subject terms and conditions of insurance company. The NCB discount keeps on increasing with every claim-free year until it reaches 50%.
A car's engine is by default not covered under either a comprehensive or a standalone own-damage car insurance policy. And therefore, if it gets damaged due water-logging or oil leakage, your insurance company is not liable to pay for its damages. But, if you opt for the add-on known as Engine Cover, you can get your car's engine insured by the insurer for damages incurred due to water ingression as well as leakage of lubricants. Engine Cover is one of the most popular car insurance add-ons and is available against the payment of a nominal premium.
If you have a return to invoice cover added on to your comprehensive car insurance policy, you can claim the total ex-showroom price of your car, taxes and registration charges, in case of total loss. In case of total constructive loss (more than 70% of damage) or theft of your car, an insurance company pays the Insured Declared Value (IDV) of your car as compensation. However, this IDV is lesser than the actual amount paid by you at the time of purchasing your car. When you opt for the add-on called Return To Invoice Cover with your car insurance policy, the insurance company pays the total ex-showroom price of your car plus the taxes and registration charges incurred at the time of purchase, as the claim amount in case of total loss.
Skoda Car Insurance User Reviews
My Kotak car insurance policy has many benefits, one of them being a good number of cashless garages. I bought from InsuranceDekho for my Skoda Rapid car and I am happy with the policy benefits.
Buying Royal Sundaram car insurance policy from InsuranceDekho was a good decision. I bought it online for my Skoda Octavia car and really liked the easy process.
Bharti AXA car insurance policy is the best policy that I could have purchased for my Skoda Rapid car. I really liked the policy benefits and the support I received from the customer care executives at InsuranceDekho.
I really want to thank the team at InsuranceDekho who helped me buy Magma HDI car insurance policy or my Skoda Rapid car in a few simple steps online. I really liked the policy and I am satisfied with the benefits.
My New India car insurance policy is an amazing policy that I purchased from InsuranceDekho for my Skoda Rapid car. The policy is high on benefits and comes at an affordable premium.
After reading the positive reviews about car insurance on InsuranceDekho’s website, I got more confident buying the policy for my Skoda Rapid car from them. I paid for the DHFL policy through a secured payment gateway.
InsuranceDekho offers flexibility in modes of payment. I purchased Liberty General car insurance policy for my Skoda Rapid car and paid online without any hassle.
I recently made a claim under my Royal Sundaram car insurance plan which I purchased for my Skoda Rapid car from InsuranceDekho. The process was smooth and I didn’t face any issue.
I purchased Raheja QBE car insurance plan for my Skoda Octavia from InsuranceDekho. My friend suggested that I buy it from here and I'm also really satisfied with the services.
My United India’s car insurance policy gets me covered against many benefits like a strong network of garages, etc. I bought it for my Skoda Rapid car and I am satisfied.
How long does it take to renew a Skoda car insurance?
You can get your Skoda car insurance renewed in just 5 minutes with InsuranceDekho.
Which all insurance add-ons should be bought with Skoda cars
The popular insurance add-ons opted with Skoda cars include zero depreciation add-on, engine cover, NCB (No Claim Bonus) cover and RSA (Road Side Assistance) cover among others.
From where can I purchase insurance for my Skoda car
You can visit our website insurancedekho.com, compare all available premium quotes for Skoda cars and select the one which best suits your requirements. With InsuranceDekho, get policy issued instantly.
Which insurer has the best claim settlement ratio for Skoda cars?
Acko General Insurance, Bharti AXA General Insurance and ICICI Lombard General Insurance are among the car insurers who have registered impressive claim settlement ratio for Skoda cars.