Skoda Car Insurance

Following are the Add-ons for Skoda Car Insurance:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

Legal compulsion aside, insurance policies can greatly benefit you in several situations. Still not convinced?

Listed below are a few reasons to avail or renew the car insurance policy for your Skoda:

Third-Party Liability Coverage

When your Skoda vehicle is involved in an accident, it can cause damage to a third-party vehicle, individual or property. As the driver-owner, you are responsible for financial repercussions arising from such damages. However, as a third-party insurance policyholder, you do not need to bear such expenses out of your pocket since your insurance provider will cover them.

Own-Damage Cover

If you opt for a comprehensive Skoda car insurance policy, you can also claim the expenses to cover the damages sustained by your own vehicle. These damages may arise from accidents, storms, earthquakes, floods or a range of other reasons. The comprehensive policy is above and beyond the third-party liability policy, whose benefits are included under the purview of the former as well.

Personal Accident Cover

The IRDAI since 2019 has mandated every owner-driver of a vehicle to purchase a personal accident cover under their car insurance policies. This particular cover comes into effect when the driver-owner of a car suffers from an accident leading to his/her death or disability. In the event of the death of the driver-owner, the individual’s family members can claim the payout.

No Claim Bonus

Are you an extremely safe driver who has never been involved in an accident? If you are, then Skoda car insurance renewal will provide additional benefits to you. No claim bonus is a discount offered on the own damage premium portion of your insurance policy for every claim-free year.

Coverage for Car Theft or Irreparable Damage

Loss of your precious Skoda vehicle due to theft can be a devastating blow. Absence of a comprehensive insurance plan at such a time will force you to bear this entire financial loss without any help. Comprehensive policyholders, on the other hand, can rely on their insurers to provide a significant portion of the lost vehicle’s value.

If your vehicle is totalled, you can also claim this sum from the insurance provider. This amount would be in accordance with the current Insured Declared Value or IDV of your Skoda car.

Now that we have established the importance of a Skoda car insurance policy, you must be wondering which policy and which provider to choose for optimum benefits. Fortunately, we have a recommendation in this regard!

Digit is one of the leading vehicular insurance companies in the country, providing immense benefits to car insurance policyholders.

Why Digit, you ask?

One can look forward to the following benefits while looking for car insurance online.

Entirely Online Insurance Claims

Instead of lining outside the insurance company’s offices, Digit Skoda insurance policyholders can submit their claims online through the company’s website. This digital claim application process complete with smartphone-enabled self-inspection greatly improves convenience.

Several Add-Ons

With seven practical and application-oriented add-ons, you can alter our standard policies as per your needs. Some of our add-ons for car insurance policies include Consumable Cover, Return to Invoice Cover, Zero Depreciation Cover, Tyre Protection Cover and more.

Ability to Alter IDV

Insured Declared Value for a vehicle is determined by its market value minus its depreciation. Nevertheless, our consumers can customise their vehicle IDVs as per their wish. Higher IDVs can drastically reduce financial loss in the event of car theft or damage beyond repair.

Accelerated Claim Settlements

We provide instant claim settlements without making you wait for several weeks or months. This speedy response helps you seek vehicular repairs immediately after it suffers damage without having to worry about financial repercussions.

24x7 Customer Care Availability

You can reach us any day in a week. Similarly, you can speak to our customer care in the middle of the night. We offer quality assistance whenever necessary, resolving all your queries effectively.

More than 1400 Network Garages

You can visit one of our network garages to avail the benefits of cashless repairs. We have collaborations with more than 1000 garages across India.

Now, at Digit, you will find affordable Skoda car insurance policies. Nonetheless, we offer you additional options to reduce premium burden further.

Do you desire lower premiums? Follow these tips!

Don’t Let Minor Claims Damage your NCB

You must remember that No Claim Bonus can help you avail better rates for your car insurance during renewal. But, if you claim a policy for small repairs, you stand to lose out on the NCB and a substantial reduction on your policy premium.

Choose Plans with an Increased Deductible

If a particular policy seems unaffordable, you opt for a higher voluntary deductible amount. While policyholders cannot change the compulsory deductible portion of a plan, they can opt for additional deductibles in lieu of lower premium payment.

Pick Only the Necessary Add-Ons

You can customise Digit’s Skoda car insurance policy with additional coverage in the form of riders. Nevertheless, not every policyholder requires all of the add-ons available at our company. Opting for too many riders can increase your premium burden unnecessarily.

You can employ these tricks to avail a Skoda insurance policy at affordable rates. Nevertheless, you must judge such a plan by the quality of financial protection it offers, rather than focusing solely on its expense aspect.

Drive Safe!