Skoda Car Insurance
Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Buy/Renew Skoda car insurance policy online
For many, buying a car is more than just a financial decision; it’s the fulfilment of a cherished dream. This makes protecting the car even more important. When purchasing a Skoda, choosing the right insurance ensures your vehicle is safeguarded against potential risks.
Zurich Kotak offers comprehensive car insurance specifically tailored for Skoda owners. The coverage includes protection against accidental damage, theft, fire, floods, and third-party liabilities. With a seamless online renewal process, you can easily keep your policy active.
Flexible modular covers and relevant add-ons further helps you manage costs without compromising on protection. Whether you're buying a new policy or renewing an existing one, Zurich Kotak provides fast policy issuance, transparent premiums, and dedicated claims support, ensuring every Skoda owner enjoys complete peace of mind and reliable financial security on the road.
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Types of Skoda 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 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 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.
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What's covered/not covered under Skoda Car Insurance Policy?
Accidental damage
Repair or replacement costs for collision, overturning or impact.
Theft and burglary
Loss or total theft of the insured car (subject to FIR and documents)
Fire & explosion
Damage from fire, self-ignition, lightning or explosion.
Natural calamities
Floods, cyclones, earthquakes, landslides and related perils.
Man-made perils
Riot, strike, malicious acts, vandalism and terrorism-related damage (as per policy).
Third-party liability
Bodily injury, death or property damage to third parties by your vehicle
Personal accident cover
Owner-driver and named passengers’ accidental death/permanent disability cover (per limits).
Transit cover
Damage during transit by road, rail or ferry if the policy includes it.
Without a valid licence/registration:
Claims arising while driving without proper documents.
Mechanical/electrical wear
Normal wear-and-tear, gradual deterioration and routine servicing faults.
Drunk/illegal use
Accidents when driving under the influence of alcohol/drugs or committing a crime.
Cosmetic wear & tear:
Ageing, fading, minor scratches or dents not caused by an insured event.
Consequential losses
Loss of use, business interruption, depreciation or indirect losses (unless insured).
War & nuclear perils
Damage due to war, atomic events or government seizure (typically excluded).
Unauthorised modifications
Losses from illegal modifications or non-standard parts without disclosure.
Policy exclusions
Any specific exclusions listed in your schedule, plus claims due to policy lapse.
Geographical limits
Damage outside the territorial limits unless international cover is purchased.
Why Does Your Skoda Need Car Insurance?
A Skoda is an investment in performance and comfort, but even routine driving carries financial risk. Skoda car insurance covers repair and replacement costs arising from collisions, theft, fire, floods and man-made events, while fulfilling legal third-party liability requirements under the Motor Vehicles Act. Regular Skoda car insurance renewal preserves perks such as No Claim Bonus and continuous cover for owner-driver liability and passenger safety. Optional add-ons like zero depreciation and return to invoice help maintain resale value and reduce out-of-pocket expenses. Choosing an appropriate cover balances protection with the insurance cost for your Skoda, taking into account vehicle age, usage, and IDV.
Benefits of Buying Online Car Insurance for Skoda
Buying car insurance online is quick, transparent, and often more affordable. Key benefits include:
● Compare multiple plans and premiums side by side to choose the best value for your car.
● Instant policy purchase and fast car insurance renewal without paperwork.
● Paperless document uploads and digital policy storage for easy access.
● Exclusive online discounts, cashback offers and partner benefits to lower the insurance cost for your Skoda.
● Faster claim registration, online claim tracking and app/portal support for updates.
Transparent premium breakup and add-on comparison so you can control total spend.
Skoda car insurance: add-ons
Enhance your car insurance policy with add-on covers that provide extra financial protection and peace of mind.
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
Provides 24/7 nationwide support, including towing, battery jump-starts, emergency fuel delivery, flat-tyre assistance, and minor on-the-spot repairs.
Engine Protect
Covers repair or replacement costs for engine and gearbox damage caused by water ingress, oil leakage, or sudden mechanical failures.
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
Return to Invoice
Reimburses the difference between the vehicle’s original invoice value and its Insured Declared Value (IDV) in case of total loss or theft.
Loss of Personal Belongings
Compensates for personal items stolen or damaged inside the insured vehicle during a covered incident, subject to policy limits.
Tyre Protect
Covers the cost of repairing or replacing tyres and tubes damaged due to road hazards or accidents (excluding normal wear and tear).
Clutch Protect
Covers repair or replacement expenses for the clutch assembly and related parts if damaged due to clutch burn.
Key Replacement
Covers the cost of replacing lost or stolen car keys.
Why choose Zurich Kotak for your Skoda car insurance?
When it comes to protecting your car, Zurich Kotak ensures a balance of comprehensive coverage, affordable premiums, and reliable support. Our car insurance policies are designed to meet diverse needs—whether you want a standard plan, an own damage policy, or a feature-rich comprehensive cover.
Wide coverage options
Protects against natural calamities, accidents, theft, and third-party liabilities.
Customisable add-ons
Options like zero depreciation, roadside assistance, and engine protection.
Seamless claims process
Transparent and efficient claims with a dedicated support team.
Cashless network garages
Extensive access to workshops across India for hassle-free repairs.
Affordable premiums
Flexible plans to optimise your insurance cost without compromising protection.
24/7 assistance
Round-the-clock support ensures peace of mind on every journey.
How to buy/renew Skoda car insurance online?
Buying or renewing car insurance with Zurich Kotak is simple and fast:
Visit our website’s Car Insurance section.
Enter your car's details, including model, year, and registration number.
Choose the type of policy — third-party, OD, or comprehensive & Select relevant add-ons to strengthen your coverage.
Review your premium and make a secure online payment.
Receive your instant digital policy by email/SMS.
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Reviews & Ratings
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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.
Visit https://www.zurichkotak.com/renewal and choose the car insurance policy that you want to renew.
Enter your policy number and mobile number and click on ‘Submit’.
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.
Pay the renewal premium and your policy will be done instantly!
How to file a car insurance claim at Zurich Kotak
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
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.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
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.
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.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Documents required for filing a car insurance claim
Get familiar with the documents needed for speedy claim process
Registration Certificate (RC) Copy
Policy Copy
Policy holder's valid ID proof
Drivers Driving license
FIR Copy (In case of theft and TP claim)
Duly filled Claim form
Any further requirements will be conveyed basis inspection
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.
Enter your policy number
Enter your registered mobile number Or your registered email Id
Click on Get OTP
Type the OTP and click on download car insurance policy document
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
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.
Car Insurance glossary
There's always more to know about Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
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Frequently Asked Questions
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.