Skoda Car Insurance

In 1991, Skoda partnered with Volkswagen and later became a subsidiary of the Volkswagen group.  It is the inventive spirit of Skoda that made it contribute so much to the automobile industry. Skoda cars are sold across over 100 countries in the world. Some of the most popular Skoda cars in UAE are Skoda Scala, Skoda Karoq, Skoda Kodiaq, Skoda Superb, Skoda Octavia, etc. We will take this article to explain all the important bits and pieces about Skoda car insurance in UAE, how you can buy it, the benefits, the claim process and more.

Skoda Car Insurance in the UAE

Getting car insurance for your Skoda car in the UAE is a mandatory requirement as per UAE traffic laws. You can easily buy Skoda insurance online after comparing policies offered by various Skoda car insurance companies. Comparison can be done based on cost, features, add-on covers offered, exclusions etc. Skoda car insurance in the UAE is available at a competitive price with the benefit of customization.

Following are some of the most preferred car insurance plans for top Skoda cars in the UAE:

Skoda Kodiaq Car Insurance Plans
Provider Name	Plan Name	Third-Party Liability Cover
Oriental Insurance	Comprehensive (Agency)	AED 2 million
Al Sagr Insurance	Comprehensive (Garage)	AED 2 million
Noor Takaful – Watania	Comprehensive (Mumtaz Agency)	AED 3 million
Aman Insurance	Comprehensive (Standard Agency)	AED 2 million
New India Assurance	Comprehensive (Agency)	AED 2 million

 

Skoda Octavia Car Insurance Plans
Provider Name	Plan Name	Third-Party Liability Cover
Orient Insurance	Comprehensive (Gold Agency)	AED 3.5 million
Alliance Insurance	Comprehensive (Agency)	AED 2 million
New India Assurance	Comprehensive (Garage)	AED 2 million
Noor Takaful-Watania	Comprehensive (Mumtaz Agency)	AED 3 million
Aman Insurance	Comprehensive (Standard Agency)	AED 2 million

 

Skoda Rapid Car Insurance Plans
Provider Name	Plan Name	Third-Party Liability Cover
New India Assurance	Comprehensive (Garage)	AED 2 million
Oriental Insurance	Comprehensive (Agency)	AED 2 million
Al Sagr Insurance	Comprehensive (Garage)	AED 2 million
Noor Takaful – Watania	Comprehensive (Mumtaz Agency)	AED 3 million
Orient Insurance	Comprehensive (Garage)	AED 3.5 million

Car Insurance Premium for Skoda Cars in the UAE

The car insurance premium for Skoda cars in the UAE can go up to 3.25% of the current market value of your Skoda car. For example, the car insurance premium for Skoda Superb costing AED 137,000 may go up to AED 4,450. Skoda car insurance costs may vary from one insurance company to another insurance company depending on several factors. The premium amount may vary depending on the value of your car, the type of cover you opt for, additional benefits that you take, etc.

Types of Skoda Car Insurance Plans in the UAE

It is important to buy the right type of coverage ideally suitable for your unique insurance requirements. Knowing the different types of car insurance plans available can help you make the right choice. Skoda car insurance in the UAE mainly comes in two different types – third-party liability and comprehensive plans. Let’s understand them in detail:

Third-Party Liability Car Insurance

As per UAE RTA law, third-party liability car insurance is the minimum required insurance coverage for all cars and motor vehicles. The third-party liability car insurance policy provides coverage for the following liabilities that may arise when you, the policyholder, are at fault for causing an accident :

• liabilities claimed by third-party for the death or bodily injury
• Liabilities claimed by third-party for the vehicular damage
• Ambulance cover in emergency cases, if available

Comprehensive Car Insurance

Comprehensive car insurance is a flexible cover that covers both third-party liabilities and own damage or loss. Skoda comprehensive insurance is customizable to cover numerous risks using available add-on covers. A standard comprehensive car insurance policy provides financial protection against the following risks:

• Death or bodily injury or property damage caused to a third party in an accident. Emergency medical services and ambulance fees are also included in the coverage.
• Accidents, fire, theft, vandalism, natural calamities and social perils causing damage or loss to the insured motor vehicle
• Personal injury cover to owner-driver
• Other covers like windscreen damages, loss of personal belongings, lost car keys, etc.

The are many add-ons or additional benefits such as gap insurance cover, personal accident cover, Oman extension, etc. offered with the Skoda insurance companies to help you enhance and customise your comprehensive policy.

Why Buy Skoda Insurance Policy?

Driving and owning your car vehicle comes with several pleasures but also responsibilities and risks. Getting a proper Skoda insurance plan for your car is not mandatory as per law but also proves to be highly beneficial for your financial interests. Let’s take a look at the top reasons to buy a Skoda insurance policy:

• Helps you fulfill your legal liability and avoid fines.
• The right Skoda motor insurance policy helps you cover liabilities towards a third-party vehicle and person caused due to an accident where you are at fault. The financial implications of an accident can be heavy. Insurance plans compensate for the costs of liabilities securing your financial interests properly.
• Third-party liabilities aside, car repair and replacement is a costly affair itself. Having the right type of coverage would save the out-of-pocket expenses you have to make for the upkeep of your own car.
• Personal accident cover provided by car insurance offers compensation for accidental injuries, death and disabilities for the drivers as well as the passengers. 
• All insurance plans come with a huge network of agency and network garages which helps in quick and hassle-free settlement of car insurance claims.
• Add-ons provided with Skoda comprehensive insurance plans offer you the chance to ideally curate your plan as per your unique needs – a custom-made protective shield.

Inclusions of Skoda Car Insurance

A standard comprehensive Skoda car insurance policy provides coverage for damages and losses caused by numerous perils. The following benefits are provided by the Skoda comprehensive insurance policies:

• Third-party liabilities arising from death or bodily injury (includes permanent disabilities and temporary disabilities – partial or temporary)
• Liability claims arising from the third party vehicular damages
• Ambulance cover
• Personal loss or damage resulting from accidents, collisions, run-over or overturn
• Loss or damage to the insured vehicle due to theft, burglary, vandalism
• Damages caused by riots, strikes, etc.
• Loss or damage to the insured vehicle due to fire, lightning, self-ignition, external explosion, or thunderbolt
• Damages caused by natural calamities
• loss or damage to the insured vehicle due to a malicious act of a third party
• Loss or damage to the vehicle during transit. This includes the process of loading and unloading in transit via roads, inland waterways, elevators, lifting machinery, etc.
• Personal injury suffered by the owner-driver of the insured vehicle
• Loss of personal belongings
• Windscreen cover

Add-on Covers for Skoda Car Insurance Plans

Add-ons allow you to customise and extend your policy coverage and can be availed at an additional premium. Here are some of the important add-on covers that you can opt to enhance your Skoda car insurance coverage:

• Personal accident benefit: Personal accident benefits cover can be availed for owner-driver, named drivers (other than the vehicle owner) and the passengers to cover injuries, disabilities and death caused due to an accident.
• Off-road cover: This add-on is specifically offered for 4x4 cars designed to be driven off the road for purposes like adventure driving. It covers the damages caused to the insured vehicle during off-road driving.
• GCC cover: In this add-on, policy coverage is extended to the territory of the Sultanate of Oman and the other GCC countries like Qatar, Bahrain, Saudi Arabia, and Kuwait.
• Gap insurance cover: Gap insurance Skoda is an add-on that provides coverage for the difference between the settlement money you receive for your totalled car from the provider and the loan amount remaining to be paid. Some covers also offer a replacement for new vehicles up to a certain period.
• Roadside assistance cover: This add-on offers Skoda insurance services such as accident towing service, off-road pull-out, change of flat tire service, fuel delivery service, breakdown towing service, battery boosting service, lockout, etc.

Depending on your coverage requirement, you can customize the comprehensive car insurance policy with the necessary add-ons.

Exclusions of Skoda Car Insurance Plans

Let’s take a look at some of the general exclusions of Skoda car insurance policies:

• Accidents that occur outside the territorial limits specified in the policy
• Nuclear perils such as contamination by radioactivity from power usurpation, nuclear fuel, and radioactive substances.
• Depreciation of the car due to normal wear and tear
• Electrical and mechanical breakdown
• Invasion, civil war, warlike operations, mutiny, rebellion, revolution, and other war perils leading to damages
• Damages caused due to accidents that occurred as a result of rash or careless driving
• Damage or loss due to violation of laws implying intentional felony
• Damage or loss arising when the vehicle is being operated by a driver who is not licensed
• Damage due to the use of a motor vehicle for a purpose other than the ones stipulated in the policy
• Damage or loss caused when the vehicle is being operated by a driver under the influence of narcotics, alcohol, or intoxicating substances

Process of Car Insurance Renewals for Skoda Cars 

Skoda car insurance renewal can be done easily via the Policybazaar.ae using your customer account. Go to https://www.policybazaar.ae/ and log in using your customer credentials. Open your profile and click on the ‘car insurance renewal’ tab for your Skoda car insurance plan. Provide the details of your previous car insurance policy and get a Skoda car insurance quote for renewal. Compare and choose the plan you wish to renew. Verify the details and pay the premium to complete the process.

You can use the lead form available on our car insurance main page to renew your Skoda car insurance policy if you are a new customer and do not have an account on our portal yet. Fill out the form and submit it to get Skoda insurance quotes. Review the relevant plans and choose one. Complete application formalities now and pay the premium to renew your plan.

You can also renew your insurance plan using the official website of the provider. If you wish to renew your Skoda insurance policy offline, you can visit a nearby branch office of your insurance company.

Skoda Car Insurance Claim Procedure

Submitting a claim against your Skoda car insurance plan is a hassle-free and simple process. Let’s take a look at the step-by-step guide for Skoda car insurance claim procedures:

• Report the Incident to The Police

The first step is to report the incident to the police. A site investigation will be carried out and you will get a police report which is an important document for the claim process.

• Intimate the Insurer

Connect with your Skoda insurance company as soon as the incident occurs and initiate a claim. You can call them, email them or report the incident online.

• Collect Proofs

Take pictures or video of the accident/incident if possible. These pictures and videos can serve as proof and strengthen your claim.

• Document Submission

Keep all the claim-related documents handy as per the checklist given by the insurance company. Enclose all the documents along with the duly filled claim form to get the claim processed.

• Claim Reference Number

The insurance company sends you the claim reference number for your request. This reference number can be utilized to track the claim status.

• Claim Assessment

Once you submit the claim documents, your Skoda insurance company will appoint a surveyor to assess your loss and damages. Based on the surveyor’s report, the insurer will send approval for your claim.

• Settlement of The Claim

The claim settlement process will begin when the insurance company sends approval. You can take your car to a network or agency garage for repairs and pay the due deductible for the claim. The repairs will begin after deductibles are paid.

Documents Required for Skoda Car Insurance Claims

The requirement of documents may vary depending on the nature of the claim. It is important to submit the right document to ensure quick settlement of Skoda car insurance claims. Let’s take a look at the documents that you need to submit for Skoda car insurance claims:

• Skoda car insurance claim form (duly filled)
• Policy document
• Driving license
• Registration card of the car
• Police report
• Proof of the incident (pictures or videos), if any
• Car modification certificate, if any

A few additional documents may be required as per the type of claim you have submitted. For example, an itemised list of all stolen items is required when you submit a theft claim. Your insurer may ask for other additional documents as per their individual requirements.

How to Buy Skoda Car Insurance Online?

You can purchase your Skoda insurance online in a matter of minutes with Policybazaar UAE as your insurance partner. Log on to Policybazaar.ae and open the car insurance section. Open the lead form available on this page and provide the required details to get the Skoda insurance quotes from top insurance companies. Compare and choose the right policy before you proceed to buy the plan. Pay the premium to complete the buying process and get your coverage instantaneously.

Given below are some frequently asked questions by fellow Skoda owners about Skoda insurance plans and companies. Follow through to learn more:

Frequently Asked Questions

Q1. Is the Skoda car insurance policy expensive in the UAE?

Ans: Skoda car insurance policies are available at competitive and affordable prices in the UAE. Most Skoda car insurance plans only cost about 3% to 4% of the current market price of your car.

Q2. When should I renew my Skoda car insurance policy in the UAE?

Ans: All Skoda car insurance policies shall be renewed within 13 months of purchasing the coverage. The insurance plans stay valid for 12 months and 30 days are given as a grace period for renewals.

Q3. From where can I purchase insurance for my Skoda car?

Ans: You can purchase Skoda insurance coverage online at Policybazaar.ae, our official website. You can also purchase your plans using the provider’s website or at a nearby branch office of the insurance company.

Q4. How is the Skoda car insurance price calculated?

Ans: The Skoda insurance cost calculation depends on many key factors such as the insured declared value, car make & model, built year, claim history, driving history, etc.

Q5. Shall I purchase my insurance plan from Skoda tie-up insurance companies?

Ans: You can opt for a Skoda tie-up insurance company to purchase your insurance plan. However, make sure to draw proper comparisons at Policybazaar.ae to see whether it is the most cost-effective option to go with.

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