Motor InsuranceCar InsuranceSkoda Car Insurance

Skoda Car Insurance

Car insurance price starting at just ₹2,094*

Skoda Car Insurance
Renew my policy
6500+

6500+

Cashless garages

Jet-speed

Jet-speed

claims

Upto

Upto

50% No Claim Bonus

24/7

24/7

Around the clock assistance

Note: The above data is till 1st April, 2025

Types of Skoda Car Insurance

Comprehensive Car Insurance

Comprehensive car insurance combines own damage and third-party liability protection. It covers collision damage, theft, fire, natural disasters, and vandalism, and allows you to purchase add-ons such as zero depreciation coverage, engine protection, and roadside assistance. This is the broadest cover for owners who want complete financial protection beyond the statutory minimum.

Third Party Car Insurance

Third-party insurance is the legally mandated minimum cover that pays for injury, death or property damage caused to others by your vehicle. It does not cover repairs to your car, but keeps you compliant with the law. Premiums are lower than those for comprehensive policies, making it a cost-sensitive choice for older or low-mileage vehicles.

Own Damage (OD) Car Insurance

Own damage (OD) car insurance covers repair or replacement costs for your vehicle after accidents, fire, theft or natural perils. With Zurich Kotak, you can choose own-damage as a standalone cover or combine it with third-party liability for comprehensive protection.

OD premiums depend on age, IDV, and claim history, and the cover helps avoid hefty repair bills while you retain third-party protection separately if required.

Skoda car insurance: add-ons

Depreciation Cover add-on

Depreciation Cover add-on

This add-on ensures full claim payouts for replaced parts without depreciation deductions, helping you receive the maximum settlement for approved claims.

Roadside Assistance

Roadside Assistance

Provides 24/7 nationwide support, including towing, battery jump-starts, emergency fuel delivery, flat-tyre assistance, and minor on-the-spot repairs.

Engine Protect

Engine Protect

Covers repair or replacement costs for engine and gearbox damage caused by water ingress, oil leakage, or sudden mechanical failures.

Consumables Cover

Consumables Cover

Pays for small parts and consumables, such as nuts, bolts, lubricants, and filters, used during claim-related repairs, thereby reducing your out-of-pocket expenses

How to download your Skoda car insurance policy copy?

Losing your car insurance policy may lead you to pay heavy fines, although you have one. But now, you can immediately download your car insurance policy copy from our website.
1

Click on the link

2

Enter your policy number

3

Enter your registered mobile number Or your registered email Id

4

Click on Get OTP

5

Type the OTP and click on download car insurance policy document

How to file a car insurance claim at Zurich Kotak

1
Call us on 1800-2120 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
2
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
3
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
4
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
5
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
6
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.

Cashless garages near you

Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.

How to renew your Skoda car insurance for old cars

Renewing car insurance for older cars requires selecting coverage that strikes a balance between affordability and protection. For vehicles above 5–7 years old, owners often opt for third-party or own-damage policies to manage insurance costs effectively. Zurich Kotak makes the process seamless: log in online, enter car details, select cover, add riders if needed, and pay securely. Regular renewal maintains benefits such as No Claim Bonus and prevents lapses in coverage. Even for older cars, comprehensive insurance is advisable if the vehicle has a high resale value or is used frequently.
1
Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.
2
Enter your policy number and mobile number and click on ‘Submit’.
3
Your policy number will be verified and you will be able to check the details of your existing policy. You can continue to renew, renew the existing policy or make changes.
4
Pay the renewal premium and your policy will be done instantly!

Frequently Asked Questions

Questions you may have about Zurich Kotak General Insurance

Buying online offers instant policy issuance, quick comparison, and exclusive discounts. It also simplifies car insurance renewal through a paperless process with 24/7 access to your policy documents.

Premiums depend on Insured Declared Value (IDV), car age, engine capacity, add-ons chosen, location, and claim history. Opting for higher coverage or zero depreciation add-ons can increase insurance costs.

For online renewal, basic details such as the previous policy number, registration certificate, and car details are required. No physical paperwork is needed; documents are uploaded digitally.

Insured Declared Value (IDV) represents the current market value of your car. It is the maximum sum assured in the event of theft or total loss, and it directly impacts the premium.

Yes, at least third-party liability insurance is mandatory for all vehicles in India. You can choose additional covers for enhanced protection.

Premiums are based on the IDV, car model, age, fuel type, location, add-ons, and a history of past claims. Discounts like No Claim Bonus can reduce premium costs on Skoda’s insurance renewal.

Zurich Kotak strives to settle eligible claims quickly. For cashless claims at network garages, settlement is typically immediate; reimbursement claims, on the other hand, depend on the timelines for document submission and verification.

Roadside assistance is available as an add-on with Zurich Kotak car insurance. It offers towing, fuel delivery, and on-spot repair services during breakdowns.

Yes, if you don’t file a claim during the policy period, you earn NCB, which lowers the premium on your future Skoda car insurance renewals.