Skoda Kushaq Car Insurance

The Skoda Kushaq stands out in the compact SUV segment with its robust build, stylish design, and advanced features, catering to a dynamic lifestyle. Car insurance is essential for Skoda Kushaq to safeguard against financial losses from accidents, theft, or damages caused by natural calamities. Skoda Kushaq car insurance ensures that repair costs are covered, legal liabilities are managed, and the vehicle owner can enjoy peace of mind on every journey.

Skoda Kushaq car models and insurance price

For an estimated third-party premium cost on your Skoda Kushaq car insurance, consult the table below:

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

Car insurance typically comes with several key inclusions that provide comprehensive protection under various circumstances. Here's a detailed explanation of each:

Accidents:

Car insurance covers damage to your vehicle resulting from collisions or accidents, regardless of who is at fault. This includes repairs to your vehicle or the cost of replacing it if it is deemed a total loss. Coverage extends to damages caused by hitting another vehicle, object, or even rollovers.

Thefts:

If your vehicle is stolen, comprehensive car insurance policies provide compensation based on the insured declared value (IDV) of the vehicle at the time of theft. This coverage helps mitigate the financial loss of replacing your stolen vehicle.

Natural and man-made calamities:

Insurance policies cover damages caused by natural disasters such as floods, earthquakes, hurricanes, and landslides, as well as man-made events like riots, vandalism, and terrorist activities. This ensures financial protection against large-scale damages that are beyond your control.

Personal accidents:

This coverage is designed to provide compensation in the event of injuries or death of the driver during an accident while operating the insured vehicle. Benefits can include medical costs, disability compensation, or a lump sum payment to the family in case of fatal accidents.

Third-party liabilities:

This is a legally required coverage that protects you from financial liabilities arising from damage, injury, or death caused to a third party or their property by your vehicle. It includes legal costs and compensation claims, safeguarding you against claims that could otherwise be financially crippling.Top of Form

Key exclusions of car insurance

Some of the key exclusions of car insurance policies are:

• Normal wear and tear and depreciation: Car insurance does not cover the gradual deterioration or the decreased value of the car due to regular usage over time.
• Mechanical or electrical breakdown: Any malfunction or failure of the vehicle's mechanical or electrical components is not covered unless it is a result of an insured incident.
• Driving under the influence of drugs or alcohol: No coverage is provided for accidents that occur while the driver is under the influence of intoxicating substances, as this is a violation of the law and policy conditions.
• Driving without a valid driving licence: Operating the vehicle without a legally valid licence nullifies the insurance, hence any damage incurred during such instances is not covered.
• Geographical limits: If the vehicle is damaged outside the areas where the insurance policy is applicable, such damages will not be covered.

Car insurance add-ons you can consider

Car insurance add-ons enhance the protection offered by a standard policy. Here are some valuable add-ons to consider:

• Zero Depreciation Cover: Also known as "bumper to bumper" cover, it ensures that in case of a claim, the depreciation value is not deducted from the coverage, allowing you to receive the full cost of parts replaced.
• Engine protection cover: This add-on covers damages to the engine, which can be particularly expensive to repair. It's especially useful for vehicles exposed to flood-prone areas, as it covers hydrostatic locks and damage due to water ingress.
• Roadside assistance: Provides help in case your car breaks down on the road. Services include towing, battery jump-start, flat tyre change, fuel delivery, and more, ensuring you're not stranded.
• Return to invoice: In case your vehicle is stolen or declared a total loss, this add-on ensures you receive compensation equivalent to the car's invoice value, not just the depreciated value.
• Personal accident cover: Offers compensation in the event of death or disability of the driver while driving the insured vehicle. Some policies extend this coverage to passengers as well.
• No-Claim bonus protection: Protects your No-Claim Bonus (NCB) even after a claim. NCB is a discount given for each claim-free year, and this add-on ensures that your discount isn't reset after making a claim.
• Consumables cover: Covers the cost of consumable items like nuts and bolts, screws, washers, grease, coolant, engine oil, oil filter, and brake oil that are typically not covered under a standard policy.
• Invoice price cover: Similar to 'Return to Invoice,' but often includes registration charges and taxes to ensure you receive the full on-road price of your car in the event of a total loss.

How to buy/renew Skoda Kushaq 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 Kushaq. 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 Kushaq with a car insurance policy.