Skoda Octavia Car Insurance
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Skoda Octavia is a car that reflects class in all aspects, from exterior to interior. This premium sedan offers a smooth driving experience with a top-notch engine and transmission performance. But to experience the drive on Indian roads, you must purchase a motor insurance plan. This article contains valuable information about Skoda Octavia insurance price and how you can buy it online. So, keep reading!
Benefits of buying online car insurance for Skoda Octavia
Below are the reasons why you should buy Skoda Octavia car insurance online.
Policy comparison
Comparing insurance plans for your Skoda Octavia car is extremely easy via the online platform. Factors such as price, services and coverages associated with policies are easy to analyse online. Hence, you get to make an informed decision about which vehicle insurance to purchase for your car.
24x7 availability
The online platform allows you to access information and services related to motor insurance at any time. You can use your smartphone to purchase or renew car insurance and raise claims at your convenience. All the procedures related to insurance become free from long waiting periods, appointments or multiple visits to the insurance company.
Swift process
The online presence of insurers makes it easier to initiate and complete different procedures related to insurance. From buying or renewing to raising a claim for insurance, you can do it all almost instantly without having to get involved in lengthy documentation. All you have to do is give a few details of your car and previous insurance plan to buy car insurance online.
Types of car insurance plans for Skoda Octavia
There are two kinds of Skoda Octavia insurance plans you can choose from.
Third-party Insurance Plan
You can drive your Skoda Octavia in India only after purchasing at least a Third-party Insurance Plan. The Motor Vehicles Act, 1988 mandates every motor vehicle owner to have this insurance. The coverage of this policy includes different kinds of third-party liabilities such as property damages, injuries or death of a third party. But, when it comes to offering coverage to your insured Octavia, this policy doesn’t help. There is no coverage for situations when your vehicle gets damaged due to an accident, man-made/natural disaster, etc.
Comprehensive Insurance Plan
A Comprehensive Insurance Plan seems more suitable when you wish to combine Third-party Insurance with coverage for your own vehicle. This policy involves Own Damage cover or OD cover along with Third-party Insurance, which keeps your car covered in case of damage, theft, or loss. So, if your car gets damaged due to fire, explosion, accidents or calamities, you can obtain financial protection. Plus, this type of insurance plan offers the ability to purchase add-on covers to add more services and benefits to your car insurance.
Note: The law mandates for every vehicle owner to have a Personal Accident cover. A PA cover does not come included in your basic insurance policy. Hence, you must purchase it separately to obtain financial coverage against temporary or permanent disability or death due to an accident while driving.
What’s covered in Skoda Octavia car insurance? (Inclusions)
When you purchase Comprehensive Skoda Octavia Insurance, the coverage includes the following situations.
Damaging any property of a third party
Death or injury to a third party
The insured Octavia getting damaged as a result of an accident
The insured Octavia getting damaged during man-made or natural calamities (riots, floods, etc.)
The insured Octavia getting damaged beyond repair
The insured Octavia getting damaged during fire/explosion
The insured Octavia getting stolen
Other coverage as per the add-on covers you buy
What’s not covered in Skoda Octavia car insurance? (Exclusions)
The below-mentioned conditions are not covered in Skoda Octavia insurance.
Not having valid documents while driving
Neglecting traffic rules while driving
Using your car for illegal racing
Damages that occur due to general wear and tear over time
Driving when you are drunk or intoxicated on any other substance
Damages as a result of electrical or mechanical problems
Damaging your car while driving beyond the geographical boundary defined in the policy.
Submitting a claim for an inactive insurance policy
Add-ons for Skoda Octavia car insurance
If you purchase the Comprehensive Skoda Octavia car insurance, it allows you to purchase the following car insurance add-on covers.
Key Replacement Cover
Outstation Emergency Cover
Consumables Cover
Personal Accident Cover for Passengers
No Claim Bonus Protection
Zero Depreciation Cover
Return to Invoice Cover
Why ACKO?
Buying insurance for your Skoda Octavia is hassle-free when you choose ACKO. Here are the benefits of choosing ACKO for Skoda Octavia insurance.
Affordable insurance
ACKO is a 100% digital insurance provider where policies reach directly to you via the online platform. Thus, there are no agent commissions or high operating costs involved. As a result, you get to buy insurance at low costs.
Paperless buying
Buying or renewing a car insurance plan is paperless at ACKO. The whole process can be completed online with only essential information about your car and the policy you bought earlier (if available). You won’t need any physical documents.
Easy claims
The process of submitting a claim is completely digital and instant at ACKO. Once raised, the claims are settled as quickly as possible by ACKO’s claim settlement team. Most minor claims are usually settled in just a few hours of submission.
ACKO’s claim procedure
Following are the simple steps you can use to raise your Skoda Octavia insurance claims.
Step 1: Log in to your online account through ACKO’s mobile application or website.
Step 2: Look for your Skoda Octavia policy, then select ‘Claim’.
Step 3: Give your answers regarding car damages and upload associated images of the vehicle to submit your claim.
After raising your claim, you can sit back and let ACKO’s dedicated team take care of the claim settlement. You may receive the claim amount for a minor claim within just a couple of hours. Sometimes, the settlement process may take more time, depending on the severity of repairs.
Frequently asked questions
Here are some of the questions answered regarding vehicle insurance for Skoda Octavia from ACKO.
How do I renew car insurance online at ACKO for my Skoda Octavia?
ACKO has a 100% online car insurance renewal procedure. You can visit the online platform, provide your car details and enter information related to the previous insurance you bought. Then, with just a click, you can instantly renew your vehicle insurance with Comprehensive or Third-party car insurance online.
What are the add-on covers ACKO offers for Skoda Octavia?
For your Skoda Octavia, you can purchase one or more add-on covers with a Comprehensive Insurance Plan. The add-on choices include Zero Depreciation Car Insurance Cover, Engine Protection Cover, Consumables Cover, etc.
Is vehicle insurance required for a second-hand Skoda Octavia as well?
You must purchase car insurance to protect yourself financially against damages or loss of the vehicle. On the other hand, Third-party coverage is mandatory as per Indian law, even for second-hand motor vehicles. Hence, you should purchase a Comprehensive policy right after buying a second-hand Skoda Octavia.
How much will I have to pay for Skoda Octavia insurance?
The Skoda Octavia insurance cost may vary as per the vehicle’s condition, add-ons you purchase, type of policy and other factors. You can visit ACKO’s digital platform to obtain a Skoda Octavia insurance quote for your vehicle.
Car Insurance for Skoda Car Models/Variants:
Below is the car insurance for different Skoda models in India:
Skoda New Kushaq Monte Carlo
Skoda New Slavia
Skoda New Octavia
Skoda New Superb
Skoda New Kodiaq
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