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Skoda Car Insurance

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  • Easy Issuance of Insurance
  • Availability of Affordable Variants
  • Blend of Technologies and Inventions
  • Online Skoda car insurance renewal facility

Top Car Insurance Plans

Third Party
Own Damage
Starting From 15983
Key Features:
  • Right Green Tick Maximum Cashless Garages
  • Right Green Tick Over Night Vehicle Repairs
  • Right Green Tick 24x7 Roadside Assistance
  • Right Green Tick Quick Claim Settlement
Starting From 16793
Key Features:
  • Right Green Tick Towing Assistance (For Accidents)
  • Right Green Tick Coverage Outside India
  • Right Green Tick PSU Provider
  • Right Green Tick Quick Claim Settlement
See More Plans

Car Insurance Premium for Skoda Car Variants

The following table shows the complete list of Skoda car variants with their insurance premium rates.
Car ModelVariant of the CarComprehensive Car InsuranceThird Party Car InsuranceOwn Damage Car Insurance
Skoda Rapid

1.0 TSI Matte Edition

₹ 2094

₹ 2094

₹ 3278

Skoda Fabia


₹ 16315

₹ 3416

₹ 4369

Skoda Laura

1.8 TSI Ambiente

₹ 34102

₹ 7897

₹ 6451

Skoda Yeti

Style 4X2

₹ 36822

₹ 7897

₹ 10259

Skoda Kushaq

1.0 TSI Ambition Classic

₹ 2094

₹ 2094

₹ 4557

Skoda Slavia

1.0 TSI Active

₹ 14854

₹ 2094

₹ 4639

Skoda Kodiaq


₹ 2094

₹ 2094

₹ 18822

Skoda Superb


₹ 41746

₹ 7897

₹ 14437

Skoda Octavia

Laurin and Klement

₹ 2094

₹ 2094

₹ 6831

Skoda Karoq

₹ 42537

₹ 3416

₹ 13778

The above-mentioned Skoda Car Insurance Premiums are suggestive and may change basis the car's MMV, RTO location, claims history, policy type, etc.

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About Skoda

Skoda Auto a.s. Is one of the oldest automobile manufacturers in the world. Founded in 1895 as Laurin & Klement it has its headquarters in Mlada Boleslav, in the Czech Republic. The company, like many other early automobile manufacturers, began as a bicycle manufacturer. In 1925 the company was taken over by an industrial conglomerate called Skoda Works. Since 2000, however, Skoda has become a wholly-owned subsidiary of the Volkswagen Group. Skoda came to India in November 2001 as Skoda Auto India Private Limited. The first car Skoda launched in India was Octavia and it did well in the Indian market. It has since gained a reputation for its high-quality cars and reasonable pricing.

Skoda Car Insurance

If you purchase a Skoda car or already have one make sure to purchase car insurance. Insurance will give both the car and its owner a layer of protection from the uncertainties of the road. In case of a mishap, the insurance provider will compensate you for the damage to your car, thereby providing protection for the car and giving the owner financial stability in a moment of crisis.

Purchasing a car is quite a sizable expense. Moreover, most of us are very attached to our car and want to keep it in tip-top condition as best as possible. With an own-damage cover, your Skoda car will be protected from a variety of scenarios. This includes theft, road accidents, accidents during transit, vandalism, natural and manmade calamities. Additionally, you must purchase a third party insurance cover for your Skoda car. In India, it is compulsory for every vehicle driving on Indian roads to have at least third party insurance according to the Motor Vehicles Act of 1988. The insurance will take care of third party liabilities, including bodily injuries, death and property damage. If caught without it you can be punished with a fine of Rs. 2,000 and/or be imprisoned for up to 3 months.

The premium amount of your Skoda car is determined to a great extent by the Insured Declared Value or IDV. It indicates the maximum compensation the insurance provider will provide in case of a mishap. The IDV calculated by deducting the exclusions and the depreciation rate of the car from its manufacturer’s selling price.If you wish to further strengthen your Skoda Car Insurance policy you can purchase add-on covers. These additional features are optional allowing you to pick and choose your coverage to fit your individual needs. Here are a few add-ons that can be beneficial for your Skoda Car Insurance:

  • Zero Depreciation Cover: This add-on mitigates the depreciation rate of the cor during claim settlement. It ensures higher claim amounts, however, it is only available for cars less than 5 years old and can be used a limited number of times within a year.
  • Roadside Assistance Cover: In case your Skoda car breaks down this add-on will ensure that the insurance provider will arrange for the car to be towed to the nearest workshop, organise your transport, get a mechanic for on-site repairs etc.
  • GAP Value Cover: In case of theft or total loss of your Skoda car this add-on will ensure the invoice price of the car is completed. With extra charges, it will also take care of road tax and registration costs.

Car Insurance Renewal Process for Skoda Cars

To stay insured under a car insurance plan, every policyholder should renew the car insurance policy every year before the date of expiry without fail. This will ensure no break in the continuity of a car insurance plan, hence, it is suggested to mark the expiry date of the car insurance plan so that it can be renewed before it gets lapsed. Timely renewal of your car insurance policy is the only way to keep your Skoda car secured from unforeseen incidents. Below are the steps to renew your car insurance plan online:

Step 1: Visit the official website of the InsuranceDekho Click on the ‘Car’ tab.

Step 2: Fill up the Registration Number of your Skoda car and then choose the variant and fuel type of your Skoda car to continue. If you do not know the registration number of your Skoda car then you must select ‘Don't know your car number?’ tab and select your car’s brand, model, variant, fuel type, registration city, registration year, etc., to proceed further.

Step 3: Fill up the date of expiry of your previous car insurance policy and the name of your insurance company. Also, you should also tell as if you have raised any car insurance claim during the previous policy year or not and click on the ‘Continue’ tab to continue.

Step 4: Fill up your personal details such as your name, mobile number and the policy term for which you want to purchase a car insurance policy and click on ‘Submit and Get Quotes’ tab.

Step 5: Various car insurance policy premium quotes offered by several car insurance companies will be displayed on your screen. Choose a car insurance policy quote after making a proper and thorough comparison based on your car insurance needs and budget. However, at this stage of the renewal process, you can also add one or more add-on covers of your choice to expand your car insurance plan coverage.

Step 6: Confirm all the entered details and then click on the ‘Buy Now’ button to bring about the car insurance renewal payment process for Skoda cars. You can make the renewal payment using a debit card, credit card, net banking option, or digital wallets. After the successful payment for the renewal of a car insurance policy, its policy document will directly be sent to the registered Email ID.

Claim Cashless Car Insurance For Skoda Cars

The cashless car insurance claim process is an option that is designed to help you get your Skoda car repaired at a network garage of your insurance company without spending any money and all the repair bills will be paid off by the insurance company on your behalf after analysing the repair bill and relevant documents. To avail this cashless car insurance facility, you must intimate your insurance company immediately after the mishap to begin the cashless claim process.

With cashless car insurance, you will not have to pay for the repair bill of your Skoda car for its damages arising due to an accident or a mishap. Also, under the cashless car insurance process, the policyholders are required to submit fewer documents and have lesser formalities to go through as compared to the reimbursement claim. It is a quicker and transparent process as under it the insurer sends a surveyor immediately to analyse and create a report about the extent of damage sustained by the car based on which insurer will settle the claim. The cashless car insurance requires the policyholders to get their cars repaired at network garages, which enables them to get their cars repaired at quality service centres as only the best garages get affiliation with the insurer.

Renew Expired Policy for Skoda Cars

A car insurance policy is a yearly agreement between an insured person and the insurance company, which is required to be renewed before the due date. Failing to renew it within the stipulated time can make your plan become void and make you lose the benefits. However, even after the expiry date, insurance companies offer a grace period of around 90 days for policy renewal in the form of an extension. If the policy is not renewed even within the grace period, then the insurer rejects the application for renewal and renews only after levying hefty fines.

With an expired car insurance policy, the biggest challenge that you may face is legal trouble, an unsecured car and loss of earned NCB. If you have missed the renewal of your car, you can initiate doing it online directly on the website of your insurance company by clicking on the renew option. You will have to enter details of your policy and attach a few documents if required. After selecting the insurance policy of your choice, you can make the payment for the same using a credit card or debit card or internet banking. Insurance companies send reminders for policy renewal, hence, you should acknowledge those and renew your plan. If yearly renewals trouble you, then, you must opt for a long-term policy.

Skoda Car Insurance User Reviews

What users are saying
  • Handy options

    Very comfortable and Easy access with excellent follow up from customer care service people of Insurance dekho. Fully satisfied with the service

    Future Generali car Insurance
    Skoda Rapid Hyderabad
    On: 20th March, 2023
  • Easy to decide

    It was simple to browse. Not much confusion with renowned companies in options. All options were self explanatory which makes user experience a hassle free. Unlike other insurance companies who hamper with advertisements etc etc.

    Hdfc Ergo car Insurance
    Skoda Rapid Jamshedpur
    On: 13th January, 2023
  • Insurance Dekho n Kharido

    Good user friendly app. Quotation given was good. Quick response and easy payment method. A very good car insurance buying experience.

    Icici Lombard car Insurance
    Skoda Fabia 2008-2010 Hisar
    On: 13th June, 2022
  • Chat box feature

    The InsuranceDekho website has a chat box feature that allows the users to list their queries and thereby get them resolved. I bought the Kotak car insurance plan for my Skoda Rapid. I listed all my queries on the chat box regarding the plan and got quick replies.

    Kotak car Insurance
    By Kushagra Bansal
    On: 6th May, 2022
  • Hassle free experience

    Akash Kumar was very helpful and knowledgeable. Excellent support provided by him and buying insurance was hassle free. Special thanks to Akash Kumar.

    Digit General Insurance Limited car Insurance
    Skoda Rapid 2011-2013 Hyderabad
    By Kandukuri Ramakrishna
    On: 8th April, 2022
  • Ease of use

    Great Experience. Hoping similar access when in need. Very easy and clear process of getting insurance renewed online without the help of any agent. Thanks to

    Reliance car Insurance
    Skoda Rapid Hyderabad
    On: 22nd March, 2022
  • Detailed description

    I was looking for a car insurance plan to secure my Skoda Octavia. The InsuranceDekho website had a detailed description of each plan. I found the Reliance car insurance plan fit for me. I read the plan details well, it was quite good and was also covering the losses caused due to any road accident or any such circumstances.

    Reliance car Insurance
    By Taran Singh
    On: 1st February, 2022
  • Assured transparency

    While making a claim under Digit car insurance policy for my Skoda Octavia on InsuranceDekho, I faced their service transparency each step of the way. It was commendable how they pulled off the whole procedure in a short span. - Parama Sen

    Digit car Insurance
    By Parama Sen
    On: 14th January, 2022
  • Well-organized website.

    When I was looking for an insurance policy for my Skoda Octavia. I visited I liked that it is so much easy to use this website as the website is so much organized and managed properly. I purchased a plan from Future General. I was really happy with the policy and the website.

    Future Generali car Insurance
    By Harshal Upen
    On: 10th January, 2022
  • Easy to purchase a policy

    I purchased an HDFC ERGO car insurance policy online for my Skoda Octavia Combi car from InsuranceDekho. It took me a few minutes to purchase the policy and I received the soft copy of the policy in the digital format which is very easy to hold. I need not worry about losing the policy documents.

    Hdfc Ergo car Insurance
    By Jaichand Tikku
    On: 23rd December, 2021

Skoda Car Insurance FAQs

  • 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

    For Skoda Insurance, The popular car 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, 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.

  • How can I renew my Skoda car insurance online?

    InsuranceDekho makes renewal of your Skoda Insurance even more convenient. We have a safe and quick online Skoda insurance policy renewal facility. Please pay online at
  • Can I purchase a car insurance plan online for my Skoda car?

    Yes, you can purchase a car insurance plan online for your Skoda car by visiting the official website of InsuranceDekho i.e, The InsuranceDekho platform helps you compare car insurance premium quotes offered by several insurance companies for your Skoda car. With this system, you can pick a policy based on your budget and requirements.

  • Is it compulsory to own a third party car insurance for Skoda cars?

    Yes, it is a compulsion for every car owner in India to carry at least a third party car insurance plan while driving, as per to the Indian Motor Tariff. Therefore, it is mandatorily applicable for all the car owners of Skoda cars as well to own a liability-only car insurance plan.

  • Will I have to buy a standalone own-damage car insurance plan for my Skoda car compulsorily?

    No, to own a standalone own-damage car insurance policy is not compulsory but only an option. However, it is highly recommended for all the car owners as the third party car insurance provides cover to third party people only and no coverage is offered for your own damages.

  • Can I transfer the No Claim Bonus (NCB) benefit from my old insurance policy to my new Skoda car insurance plan?

    Yes, you can transfer your No Claim Bonus (NCB) benefit from your last car insurance plan to your new Skoda car insurance plan as it is offered to policyholders and not to the car. With the help of this process, you can avail your earned NCB discount on your new car insurance policy and lessen your next year’s amount of premium.

  • How can I add a zero depreciation add-on cover in my policy for my Skoda car?

    You can add a zero depreciation add-on cover in your car insurance policy of your Skoda car by paying a little extra amount of premium along with the premium of the base car insurance cover. You can include this add-on cover either online or offline mode through InsuranceDekho platform or from the insurance company.

  • Is there any time limit to raise a car insurance claim for my Skoda car, if it gets involved in an accident?

    Yes, generally it is said to raise a car insurance claim for the damage sustained by your Skoda car or any other insured car within around 7 days of the accident or mishap. But, this time limit tends to vary from insurance company to insurance company, therefore, it is advised that you should check your car insurance policy document properly.

  • If my Skoda car insurance policy gets expired, can I renew it after that?

    Yes, if your Skoda car insurance policy gets expired even then you can renew it. Every insurance company gives a grace period of 30 days to 90 days which may vary from insurance company to insurance company. You can confirm the duration of your insurance plan from your car insurance policy document or by contacting your car insurance agent.

  • How can I get car insurance related assistance for my Skoda car?

    To seek help for your car insurance policy of your Skoda car, you can get in touch with the customer care support of the InsuranceDekho by calling at 755-1196-989 between 10 am and 7 pm from Monday to Sunday or by sending an email at

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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.