Skoda Slavia Car Insurance

Buy car insurance policies for your Skoda Slavia car online. Check Skoda Slavia insurance plans, coverage details, and steps to buy online.
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Buy/Renew Skoda Slavia Car Insurance
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3 min
27-August-2024

The Skoda Slavia is a sleek, feature-packed sedan that combines style with efficiency. For owners, it's essential to financially protect their Skoda Slavia car with comprehensive car insurance. Skoda Slavia car insurance covers the repair costs and provides liability coverage for damages or injuries caused to third parties.

Skoda Slavia car models and insurance price

When it comes to insuring a Skoda Slavia, the premiums can vary widely. Factors such as the car's age, driving history, and the level of coverage chosen all play a crucial role in determining the cost of insurance. Refer to the table below for an estimated third-party insurance premium cost for Skoda Slavia car insurance.

Skoda Slavia Variant Third-Party Premium Rates (FY 23-24)
Skoda Slavia 1.0 TSI Rs. 2,094* Get Quote
Skoda Slavia 1.0 TSI Active Rs. 2,094* Get Quote
Skoda Slavia 1.0 TSI Ambition Rs. 2,094* Get Quote
Skoda Slavia 1.0 TSI Ambition AT Rs. 2,094* Get Quote
Skoda Slavia 1.0 TSI Style Non-Sunroof Rs. 2,094* Get Quote
Skoda Slavia 1.0 TSI Style Rs. 2,094* Get Quote
Skoda Slavia 1.5 TSI Ambition DSG DT Rs. 3,416* Get Quote


Disclaimer: The above information is for Third-party premiums only. The Own Damage premium rates will depend on the specific model, variant, fuel type, place, the year of registration, IDV, add-on covers and various other factors.

Key inclusions of car insurance

Here are some of the key components included in car insurance policies:

  • Accidents: Car insurance for your Skoda Slavia provides coverage for damages incurred by unforeseen accidents.
  • Theft: If your car is stolen, insurance coverage extends up to the insured declared value mentioned in the policy.
  • Natural and man-made disasters: Your car insurance offers protection against both natural calamities such as fire and earthquakes, as well as man-made incidents like vandalism or acts of terrorism.
  • Personal accident: Coverage of up to Rs. 15 lakh is provided for the death or disability of the owner-driver resulting from an accident.
  • Third-party liabilities: Insurance provides protection for third parties in case of injury, disability, or death caused by your vehicle.

Key exclusions of car insurance

Here are some of the main exclusions of car insurance policies:

  • Normal wear and tear and depreciation: Excludes coverage for routine deterioration and value loss due to age and use.
  • Mechanical or electrical breakdown: Not covered as these are typically maintenance issues.
  • Driving under the influence: Excludes coverage for incidents under the influence of drugs or alcohol.
  • Driving without a valid driving licence: Damages during such instances are not covered.
  • Geographical limits: Damages outside specified territorial limits are not covered.

Car insurance add-ons you can consider

Add-ons are additional coverage options that can be bought along with a comprehensive car insurance policy for your Skoda Slavia. Here are some of the add-ons that you can buy along with your Skoda Slavia car insurance policy:

  • Zero depreciation cover: Receive the total claim amount with no depreciation deduction, ideal for new cars.
  • Engine protection cover: Protects against engine damage from water ingress or oil leakage, not typically covered by standard policies. Best for vehicles in areas susceptible to flooding.
  • Roadside assistance: Offers services such as towing, flat tyre changes, and emergency fuel delivery when your vehicle breaks down.
  • Return to invoice: Compensates the full invoice price of your car, rather than its depreciated value, if it's totalled or stolen.
  • Personal accident cover: Provides compensation for death or permanent disabilities due to a car accident.
  • No-Claim Bonus protection: Allows a certain number of claims without impacting your no-claim bonus, maintaining your discount even after filing claims.
  • Consumables cover: Covers the costs of consumables like engine oil and bolts during repairs, which are generally not included under a standard policy.
  • Key replacement cover: Reimburses you for the cost of replacing lost or stolen car keys.
  • Daily allowance benefit: Offers a daily cash benefit if your car is under repair for a lengthy period, helping with the costs of alternative transport.
  • Invoice price cover: Similar to Return to Invoice, this ensures compensation up to the invoice price in case of total loss or theft of the car.

How to buy/renew Skoda Slavia car insurance through Bajaj Finance Insurance Mall

Bajaj Finance Insurance Mall offers a convenient platform for you to buy or renew car insurance plans for your Skoda Slavia. Choose from plans offered by leading insurance partners and buy the policy in just a few clicks. Here’s how:

Step 1

Click on 'Get Quote' to open the online application form.

Step 2

Enter the vehicle type, car registration number, mobile number, and residential PIN code. Check the terms and conditions and click on the 'Get Quote' button below.

Step 3

Choose the IDV, NCB value, add-on covers, and plan type to get a list of relevant car insurance policies. You need to update your current policy expiry date here.

Step 4

Click on the ‘Buy Now’ button. You will need to add owner-driver personal accident cover mandated by the RTO. Click on ‘Next’ to proceed.

Step 5

Confirm the vehicle registration date and the previous policy type (comprehensive/third-party). Click on 'Proceed'.

Step 6

Enter the vehicle owner's name, date of birth, residential address, and contact number. Also, enter the vehicle engine and chassis number (as mentioned in RC) and previous policy details.

Step 7

Recheck your previously filled details and make the payment through your preferred online payment mode. You can use net banking, UPI, or credit/debit card to complete the application process.

Step 8

That’s it. You have successfully secured your Skoda Slavia with a car insurance policy.

Car insurance claim process

The car insurance claim process encompasses two primary types: cashless claims and reimbursement claims. Each has specific steps and requirements to ensure efficient handling of claims. Here's an in-depth breakdown of each process:

Cashless Claim Process:

  • Notify insurer: Contact your insurance company promptly after an accident or damage occurs, providing comprehensive incident details.
  • Vehicle assessment: The insurer will send a surveyor to inspect the damage and prepare a repair cost estimate.
  • Use network garage: Take your vehicle to a garage within the insurer's network for cashless repairs.
  • Claim and repair approval: The garage submits a repair cost estimate for approval; once approved, repairs commence.
  • Settlement: After repairs, the insurer settles bills directly with the garage, with you potentially paying deductibles or uncovered repair portions.
  • Reimbursement claim process:
  • Inform insurer: Report the incident to your insurer, providing detailed information.
  • Document damage: Take photographs and collect relevant documentation to substantiate your claim.
  • Repair at any garage: Choose any garage for repairs, not limited to the insurer's network.
  • Submit claim form: Complete a claim form with necessary documentation, including repair bills and receipts.
  • Claim assessment: The insurer reviews your claim and documents to assess compensation eligibility.
  • Reimbursement: Upon approval, the insurer reimburses repair costs, considering deductibles and policy exclusions.

The choice between cashless and reimbursement claims depends on factors like garage availability and personal preferences. Understanding these processes and policy details helps manage car insurance claims effectively.Top of Form

Documents required in the claims process

Here are the documents typically required in the car insurance claims process:

  • Claim form: This form contains essential details about the insured vehicle, the nature of the claim, and other relevant information. It serves as a formal request to the insurance company for claim settlement.
  • Copy of insurance policy: Providing a copy of your car insurance policy helps the insurer verify your coverage details, including the type of policy, coverage period, and any applicable endorsements or add-ons.
  • Vehicle Registration Certificate (RC): The RC serves as proof of ownership of the insured vehicle. It contains details such as the vehicle's registration number, chassis number, engine number, and owner's name and address.
  • Police FIR (First Information Report): In case of accidents involving third-party injury, death, or property damage, or incidents like theft or vandalism, a copy of the FIR filed with the police may be required. The FIR provides details about the incident and is essential for processing the claim.
  • Driving licence: A copy of the insured's valid driving licence may be required to verify the driver's eligibility to operate the vehicle and to process the claim smoothly.
  • Estimate of repairs: Providing estimates of repair costs from the garage or workshop where the repairs will be carried out helps the insurer assess the extent of damage and estimate claim payouts accurately.
  • Repair bills and invoices: After the repairs are completed, submitting original bills and invoices from the garage or workshop detailing the expenses incurred for parts, labour, and other services is essential for claim settlement.
  • Medical reports (if applicable): In cases involving personal injury claims, medical reports and bills related to treatment and medical expenses may be required to process the claim for reimbursement of medical costs.
  • Additional documents (if applicable): Depending on the nature of the claim, additional documents such as photographs of the damaged vehicle, witness statements, NOC (No Objection Certificate) in case of a total loss claim, etc., may be required.

Note: Check with your insurer in case you require more documents depending on the nature of the claim.

Frequently asked questions

What factors affect the Skoda Slavia car insurance premium amount?
Several factors can influence the Skoda Slavia car insurance premium amount, including the vehicle's make, model, and variant, its age and value, the insured declared value (IDV), the owner's age and driving history, the location and usage pattern of the car, the chosen coverage and add-ons, and any applicable discounts or loading factors.
How can I reduce my Skoda Slavia insurance premium?
You can reduce your Skoda Slavia insurance cost by considering factors such as opting for a higher voluntary deductible, maintaining a clean driving record to qualify for No-Claim Bonus discounts, installing anti-theft devices for added security, and comparing quotes from multiple insurers to find the most competitive premium rates tailored to your needs.
Will the insurer inspect my Skoda Slavia car before renewal?
Yes, your insurer might inspect your Skoda Slavia before policy renewal, especially if your insurance has lapsed. This inspection is to assess the current condition of the vehicle and identify any pre-existing damage, ensuring that the new policy terms accurately reflect the vehicle’s state. Always check with your insurer for specific requirements.
What is Škoda Smart insurance?

Škoda Smart Insurance is a specialised car insurance plan designed for Škoda vehicles, offering comprehensive coverage, including repairs at authorised service centers, cashless claims, and roadside assistance. It ensures better protection tailored to the needs of Škoda Slavia owners.

What is EMI cover in car insurance?

EMI Cover in Car Insurance is an add-on feature that covers your car loan's Equated Monthly Installments (EMI) if your vehicle is under repair after an accident or theft. This ensures that you don't face financial stress while your car is being repaired.

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Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is exclusive of taxes for third party coverage of four-wheeler up to 1,500 CC. Premium may vary based on the specification of the vehicle.