Rent a Luxury Car in Dubai - Owning a luxury car is fun, but it also comes at a cost. Starting from the initial purchase to its maintenance and insurance, you need to have a deep pocket to manage it.
Skoda is the fifth oldest car-producing company in the world and its story began in 1895 with a bicycle called the βSlaviaβ. Founders Laurin and Klement started producing trucks after World War I and then in 1925, the business was acquired by Skoda Works, an arms manufacturer and the second-largest multi-sector industrial enterprise in Europe. read more
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In 1991, Skoda partnered with Volkswagen and later became a subsidiary of the Volkswagen group. It is the inventive spirit of Skoda that made it contribute so much to the automobile industry. Skoda cars are sold across over 100 countries in the world. Some of the most popular Skoda cars in UAE are Skoda Scala, Skoda Karoq, Skoda Kodiaq, Skoda Superb, Skoda Octavia, etc. We will take this article to explain all the important bits and pieces about Skoda car insurance in UAE, how you can buy it, the benefits, the claim process and more.
Getting car insurance for your Skoda car in the UAE is a mandatory requirement as per UAE traffic laws. You can easily buy Skoda insurance online after comparing policies offered by various Skoda car insurance companies. Comparison can be done based on cost, features, add-on covers offered, exclusions etc. Skoda car insurance in the UAE is available at a competitive price with the benefit of customization.
Following are some of the most preferred car insurance plans for top Skoda cars in the UAE:
Skoda Kodiaq Car Insurance Plans |
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Provider Name |
Plan Name |
Third-Party Liability Cover |
Oriental Insurance |
Comprehensive (Agency) |
AED 2 million |
Al Sagr Insurance |
Comprehensive (Garage) |
AED 2 million |
Noor Takaful – Watania |
Comprehensive (Mumtaz Agency) |
AED 3 million |
Aman Insurance |
Comprehensive (Standard Agency) |
AED 2 million |
New India Assurance |
Comprehensive (Agency) |
AED 2 million |
Skoda Octavia Car Insurance Plans |
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Provider Name |
Plan Name |
Third-Party Liability Cover |
Orient Insurance |
Comprehensive (Gold Agency) |
AED 3.5 million |
Alliance Insurance |
Comprehensive (Agency) |
AED 2 million |
New India Assurance |
Comprehensive (Garage) |
AED 2 million |
Noor Takaful-Watania |
Comprehensive (Mumtaz Agency) |
AED 3 million |
Aman Insurance |
Comprehensive (Standard Agency) |
AED 2 million |
Skoda Rapid Car Insurance Plans |
||
Provider Name |
Plan Name |
Third-Party Liability Cover |
New India Assurance |
Comprehensive (Garage) |
AED 2 million |
Oriental Insurance |
Comprehensive (Agency) |
AED 2 million |
Al Sagr Insurance |
Comprehensive (Garage) |
AED 2 million |
Noor Takaful – Watania |
Comprehensive (Mumtaz Agency) |
AED 3 million |
Orient Insurance |
Comprehensive (Garage) |
AED 3.5 million |
The car insurance premium for Skoda cars in the UAE can go up to 3.25% of the current market value of your Skoda car. For example, the car insurance premium for Skoda Superb costing AED 137,000 may go up to AED 4,450. Skoda car insurance costs may vary from one insurance company to another insurance company depending on several factors. The premium amount may vary depending on the value of your car, the type of cover you opt for, additional benefits that you take, etc.
It is important to buy the right type of coverage ideally suitable for your unique insurance requirements. Knowing the different types of car insurance plans available can help you make the right choice. Skoda car insurance in the UAE mainly comes in two different types – third-party liability and comprehensive plans. Let’s understand them in detail:
As per UAE RTA law, third-party liability car insurance is the minimum required insurance coverage for all cars and motor vehicles. The third-party liability car insurance policy provides coverage for the following liabilities that may arise when you, the policyholder, are at fault for causing an accident :
Comprehensive car insurance is a flexible cover that covers both third-party liabilities and own damage or loss. Skoda comprehensive insurance is customizable to cover numerous risks using available add-on covers. A standard comprehensive car insurance policy provides financial protection against the following risks:
The are many add-ons or additional benefits such as gap insurance cover, personal accident cover, Oman extension, etc. offered with the Skoda insurance companies to help you enhance and customise your comprehensive policy.
Driving and owning your car vehicle comes with several pleasures but also responsibilities and risks. Getting a proper Skoda insurance plan for your car is not mandatory as per law but also proves to be highly beneficial for your financial interests. Let’s take a look at the top reasons to buy a Skoda insurance policy:
A standard comprehensive Skoda car insurance policy provides coverage for damages and losses caused by numerous perils. The following benefits are provided by the Skoda comprehensive insurance policies:
Add-ons allow you to customise and extend your policy coverage and can be availed at an additional premium. Here are some of the important add-on covers that you can opt to enhance your Skoda car insurance coverage:
Depending on your coverage requirement, you can customize the comprehensive car insurance policy with the necessary add-ons.
Let’s take a look at some of the general exclusions of Skoda car insurance policies:
Skoda car insurance renewal can be done easily via the Policybazaar.ae using your customer account. Go to https://www.policybazaar.ae/ and log in using your customer credentials. Open your profile and click on the ‘car insurance renewal’ tab for your Skoda car insurance plan. Provide the details of your previous car insurance policy and get a Skoda car insurance quote for renewal. Compare and choose the plan you wish to renew. Verify the details and pay the premium to complete the process.
You can use the lead form available on our car insurance main page to renew your Skoda car insurance policy if you are a new customer and do not have an account on our portal yet. Fill out the form and submit it to get Skoda insurance quotes. Review the relevant plans and choose one. Complete application formalities now and pay the premium to renew your plan.
You can also renew your insurance plan using the official website of the provider. If you wish to renew your Skoda insurance policy offline, you can visit a nearby branch office of your insurance company.
Submitting a claim against your Skoda car insurance plan is a hassle-free and simple process. Let’s take a look at the step-by-step guide for Skoda car insurance claim procedures:
The first step is to report the incident to the police. A site investigation will be carried out and you will get a police report which is an important document for the claim process.
Connect with your Skoda insurance company as soon as the incident occurs and initiate a claim. You can call them, email them or report the incident online.
Take pictures or video of the accident/incident if possible. These pictures and videos can serve as proof and strengthen your claim.
Keep all the claim-related documents handy as per the checklist given by the insurance company. Enclose all the documents along with the duly filled claim form to get the claim processed.
The insurance company sends you the claim reference number for your request. This reference number can be utilized to track the claim status.
Once you submit the claim documents, your Skoda insurance company will appoint a surveyor to assess your loss and damages. Based on the surveyor’s report, the insurer will send approval for your claim.
The claim settlement process will begin when the insurance company sends approval. You can take your car to a network or agency garage for repairs and pay the due deductible for the claim. The repairs will begin after deductibles are paid.
The requirement of documents may vary depending on the nature of the claim. It is important to submit the right document to ensure quick settlement of Skoda car insurance claims. Let’s take a look at the documents that you need to submit for Skoda car insurance claims:
A few additional documents may be required as per the type of claim you have submitted. For example, an itemised list of all stolen items is required when you submit a theft claim. Your insurer may ask for other additional documents as per their individual requirements.
You can purchase your Skoda insurance online in a matter of minutes with Policybazaar UAE as your insurance partner. Log on to Policybazaar.ae and open the car insurance section. Open the lead form available on this page and provide the required details to get the Skoda insurance quotes from top insurance companies. Compare and choose the right policy before you proceed to buy the plan. Pay the premium to complete the buying process and get your coverage instantaneously.
Given below are some frequently asked questions by fellow Skoda owners about Skoda insurance plans and companies. Follow through to learn more:
Q1. Is the Skoda car insurance policy expensive in the UAE?
Ans: Skoda car insurance policies are available at competitive and affordable prices in the UAE. Most Skoda car insurance plans only cost about 3% to 4% of the current market price of your car.
Q2. When should I renew my Skoda car insurance policy in the UAE?
Ans: All Skoda car insurance policies shall be renewed within 13 months of purchasing the coverage. The insurance plans stay valid for 12 months and 30 days are given as a grace period for renewals.
Q3. From where can I purchase insurance for my Skoda car?
Ans: You can purchase Skoda insurance coverage online at Policybazaar.ae, our official website. You can also purchase your plans using the provider’s website or at a nearby branch office of the insurance company.
Q4. How is the Skoda car insurance price calculated?
Ans: The Skoda insurance cost calculation depends on many key factors such as the insured declared value, car make & model, built year, claim history, driving history, etc.
Q5. Shall I purchase my insurance plan from Skoda tie-up insurance companies?
Ans: You can opt for a Skoda tie-up insurance company to purchase your insurance plan. However, make sure to draw proper comparisons at Policybazaar.ae to see whether it is the most cost-effective option to go with.