Car Insurance for Skoda Octavia

• Get third party cover at low premiums
• Choose from a variety of zero depreciation and roadside assistance covers
• 3100+ cashless garages

Skoda Octavia is a sedan which oozes class with beautiful interior and exterior designs. The interiors of the car are spacious in nature and are light-toned in nature. There are AC vents for the passengers in the rear seat, and the touchscreen audio system which removes the hassle of working with buttons while driving. The car comes with panoramic sunroof with an adaptive frontline system. This adaptive frontline system can easily sense the light condition which makes it safer for the driver to gauge the obstacle in the front and enjoy a safer driving experience. Octavia is one of the largest selling cars in the world and a beauty to be driven on the roads.

Types of insurance coverage that you can purchase for Skoda Octavia

Any person who owns a four-wheeler must have a valid car insurance policy as per the mandate passed by the Government of India. There are two types of car insurance policies that you can purchase for yourself i.e. a third-party liability car insurance policy and comprehensive car insurance policy. According to the Government of India, it is mandatory for a car owner to have a third-party liability car insurance policy.

Third-party liability car insurance cover: This type of policy provides cover to a third party in case the person suffers injuries or has his/her property damaged due to the involvement of your vehicle. The third party can receive compensation up to Rs.7.5 lakh. According to the Government of India, it is compulsory for a person owning a four-vehicle to have a valid third-party liability car insurance policy.

Comprehensive car insurance cover: In case of any loss or damage suffered by you or your vehicle, your comprehensive car insurance policy provides you cover and takes care of the expenses that you may incur due to an accident or damage to your vehicle. The compensation you will get will depend on the level of loss or damage incurred.

What is covered under a comprehensive car insurance cover?

You will be provided cover under certain circumstances in case your Skoda Octavia gets damaged or stolen. The circumstances under which you will be liable to be provided with a comprehensive car insurance cover are:

• If your car is damaged due to an act of terror
• If your car is damaged due to your own fault
• If your car is damaged due to a natural calamity
• If your car is damaged or stolen
• Third-party liability cover
• In case the car has other passengers in it, you will get a personal accident cover

Add-on covers: Add-on covers help in enhancing your car insurance cover. These add-on covers provide extra protection to your vehicle and also help you in saving money as well. You can purchase add-on covers based on your needs. Some of the add-on covers that you can purchase for yourself are:

• Hydrostatic lock cover: In case the engine of your car gets damaged due to heavy rains or floods you can then avail this particular cover for yourself as it covers the cost of the replacement of the engine part. However, this cover is only applicable if your car is less than 5 years old.
• Zero depreciation cover: You can save on the cost of replaced or repaired parts of your vehicle such as the rubber, plastic, fiber parts, glass, etc with the help of this particular add-on cover.
• Medical expenses: This cover will give you an additional coverage of Rs.1,000 to take care of your medical expenses when you meet with an accident and if the victim requires to be admitted in the hospital.
• Key replacement: This cover will help you take care of the cost incurred by you in case your car keys gets stolen or lost. However, you can avail this cover only two times in a policy year.
• No claim bonuses: This cover will allow you to enjoy certain discounts on your premium. The number of times you do not file a claim unless necessary will determine the discounts on your premiums.
• Engine and gearbox cover: This type of add-on takes care of the expenses incurred by you in case the engine or any other internal part of your car gets damaged resulting in the breaking down of your vehicle.

Some of the insurance companies in India which provide car insurance

You can come across various insurance companies in India from whom you can purchase a car insurance policy of your choice.Some of the car insurance companies in India from whom you can purchase a car insurance policy are:

• Bharti AXA Car Insurance
• Royal Sundaram Car Insurance
• IFFCO Tokio Car Insurance
• New India Car Insurance
• Cholamandalam MS Car Insurance

Hence, Skoda Octavia is one of the classiest sedans you can purchase for yourself. The vehicle comes with a beautiful interior and exterior and with various features which makes driving a safe and beautiful experience for the driver. However, it is also important that based on your needs you also purchase a proper and valid car insurance policy. There are various reputed insurance companies in India which sell motor insurance policies. Based on your needs, you must decide on a plan which you feel is the most suitable for you.