Skoda Car Insurance

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What’s Covered in Skoda Car Insurance

Accidents Common damages to your own Skoda car like accidents & collisions
Theft If unfortunately your Skoda car gets stolen
Fire Common damages due to Fire
Natural Disasters Damages due to any natural calamities
Personal Accident If there is a car accident and unfortunately it leads to death or disability of the owner
Third Party Losses Damage your car causes to someone else's car or any other property

What’s not Covered

It is equally important to know what’s not covered in your car insurance policy, so that there are no surprises when you make a claim. Here are some such situations:

Own Damages for Third-Party Policy holder

In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered. 

Drunk Driving or without a Licence

You were driving drunk or without a valid driving licence.

Driving without a valid Driving Licence holder

You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.

Consequential Damages

Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)

Contributory Negligences

Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)

Add-ons not Bought

Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.

Why Should You Buy Digit's Skoda Car Insurance?

Cashless Repairs 6000+ Cashless Garages for you to choose from across India
Smartphone-enabled Self Inspection Just click the damages on your phone and you are done
Super-Fast claims We've settled 96% of all claims for private cars!
Customize your Vehicle IDV With us, you can customize your vehicle IDV as per your choice!
24*7 Support 24*7 call facility even on National Holidays

Car Insurance Plans for Skoda

Third party A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.
Comprehensive A Comprehensive car insurance is one of the most valuable types of car insurance that covers both third-party liabilities and damages to your own car as well.
Standalone Own Damage The Own Damage Car Insurance covers loss and damage only to your own car in case of accidents and collisions, natural calamities, fires, and thefts.

Third-Party Comprehensive Own Damage

Damages/Losses to own car due to an accident

 		× ✔ ✔

Damages/Losses to own car in case of fire

 		× ✔ ✔

Damages/Losses to own car in case of a natural calamity

 		× ✔ ✔

Damages to Third-Party Vehicle

× ✔ ×

Damages to Third-Party Property

 		× ✔ ×

Personal Accident Cover

 		× ✔ ×

Injuries/Death of a Third-Party Person

 		× ✔ ×

Theft of your car

 		× ✔ ✔

Customize your IDV

 		× ✔ ✔

Extra protection with customized add-ons

 		× ✔ ✔
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Know more about the difference between comprehensive and third party insurance

Add-ons for Skoda Car Insurance

Following are the Add-ons for Skoda Car Insurance:

How to File a Claim?

After you buy or renew our car insurance plan, you live tension free as we have a 3-step, completely digital claims process!

Step 1

Just call on 1800-258-5956. No forms to be filled

Step 2

Get a link for Self-Inspection on your registered mobile number. Shoot your vehicle’s damages from your smartphone through a guided step by step process.

Step 3

Choose the mode of repair you wish to opt for i.e. Reimbursement or Cashless through our network of garages.

How Fast are Digit Insurance Claims Settled? This is the first question that should come to your mind when switching your insurance company. Good you’re doing that! Read Digit’s Claims Report Card