Skoda Kodiaq Car Insurance

Name: Skoda Kodiaq Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

The Skoda Kodiaq is a premium 7-seater SUV that blends luxury with rugged performance. Whether you're heading out on a weekend adventure, cruising through city traffic, or enjoying a long road trip with family, the Kodiaq delivers comfort and capability in equal measure. But even the most refined vehicles need protection and that’s where IndusInd car insurance comes in.

For instance, luxury vehicles like the Kodiaq often come with advanced electronics and turbocharged engines. These components can be expensive to repair if damaged due to waterlogging or electrical faults. With our comprehensive car insurance plan, you can opt for add-ons like Engine Protect and Electrical Accessories Cover to safeguard your investment.

Car insurance is also a legal requirement for all vehicle owners in India. So, your Skoda Kodiaq must be insured with at least a third-party car insurance policy.

You can easily do this with IndusInd General Insurance (formerly Reliance General Insurance). Buy your policy online and store it digitally using the IndusInd Insurance app - so your insurance documents are always just a tap away!

Why Us?

Why 8 Crore+ Policyholders Trust Us?

IndusInd General Insurance (previously known as Reliance General Insurance) offers access to a wide range of add-ons, a simple claim process, 24x7 customer support and a strong cashless garage network, all designed to keep your Mahindra Bolero protected.

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15 plus add-on covers

Customise your Skoda Kodiaq insurance.

Up to 3 years coverage

Get long and short term coverage

Video claims feature

File claims via the IndusInd Insurance app

24/7 Customer Assistance

Get support from anywhere in India

Why Do You Need Skoda Kodiaq Insurance?

Legal Mandate

As per the Motor Vehicles Act in India, every car owner must have at least third-party car insurance. This includes luxury SUVs like the Skoda Kodiaq. Driving without valid insurance can lead to fines ranging from ₹2,000 to ₹4,000 or even imprisonment for up to three months. So, whether you use your Kodiaq daily or occasionally, having insurance is not just smart—it’s the law.

Covers Expensive Repairs

The Skoda Kodiaq is a premium SUV with high-end features and imported parts. Even minor damage to its bodywork or electronics can result in hefty repair bills. Whether it’s a scratched bumper, broken headlamp, or engine trouble due to waterlogging, a comprehensive car insurance policy helps cover these costs, saving you from unexpected financial strain.

Covers Car Theft

Luxury cars like the Skoda Kodiaq are often targeted by thieves due to their high resale value. If your Kodiaq is stolen, the financial loss can be massive. With a comprehensive insurance plan, you can recover the Insured Declared Value (IDV) of your car. Add-ons like Return to Invoice ensure you get the full invoice amount, including registration and road tax, in case of total loss.

Covers Natural Disasters

Floods, cyclones, and landslides are common in many parts of India and can severely damage your vehicle. The Skoda Kodiaq’s advanced engine and electrical systems are vulnerable to water damage. With car insurance, you can opt for add-ons like Engine Protect and Hydrostatic Lock Cover to safeguard your SUV against nature’s fury and avoid costly repairs.

Covers Fire and Accidental Damage

Accidents and fire-related incidents can happen anytime, whether due to a short circuit, fuel leak, or collision. The Skoda Kodiaq’s premium build means repair costs can be substantial. A comprehensive insurance policy covers fire damage, accidental dents, and even total loss scenarios, ensuring your luxury SUV is always protected from unforeseen events.

Access to Network Garages

Skoda vehicles require specialised service and genuine parts. With IndusInd car insurance, you get access to a wide network of authorised garages across India. This ensures your Kodiaq is repaired by trained professionals using original parts. Plus, cashless claims make the process hassle-free, so you can get back on the road without worrying about upfront payments.

Types of Skoda Kodiaq Car Insurance Plans

Comprehensive Car Insurance

This plan offers all-round protection for your luxury Skoda Kodiaq. It covers third-party liabilities and own damage, including accidents, theft, fire, and natural disasters. You also get access to multiple add-ons like Engine Protect, Zero Depreciation, and Return to Invoice. With comprehensive coverage, you can drive your Kodiaq stress-free, knowing it’s protected from every angle.

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Pay As You Drive Car Insurance

If you drive your Skoda Kodiaq occasionally, this usage-based plan is ideal. Premiums are calculated based on the kilometers you drive annually—ranging from 2,500 km to 10,500 km - with a 125 km grace buffer. Unused kilometers can be carried forward to the next policy term. It’s a smart way to save on premiums while still enjoying full coverage for your luxury SUV.

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Third Party Car Insurance

This mandatory plan covers damages caused by your Skoda Kodiaq to other vehicles, property, or individuals. It’s a legal requirement under the Motor Vehicles Act and ensures you’re protected from third-party claims. You can opt for a one-time premium payment for up to five years of coverage, making it a convenient and compliant choice for every Kodiaq owner.

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Own Damage Car Insurance

If you already have third-party insurance, this standalone plan covers damages to your Skoda Kodiaq. It includes protection against accidents, collisions, fire, theft, and natural disasters. Given the high cost of Kodiaq’s parts and repairs, this plan ensures you’re not burdened with unexpected expenses. Available in short-term and long-term options for added flexibility.

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Key Features

Key Features of IndusInd Skoda Kodiaq Insurance

IndusInd General Insurance offers features designed specifically for how and where a Skoda Kodiaq is typically driven, whether it is urban traffic, village roads or long highway journeys.

Key Features

Key Features	Descriptions
Starting Premiums	₹308/month*
IDV Customisation	Available
Coverage Offered	Own Damage & Third-Party Liability
Discounts	Up to 90%*
NCB Discount	Up to 50%*
Quick Claims Process	Cashless + Survey is initiated within just 24 hours of claim initiation
Smartphone-Enabled Claims	Video claim feature on the IndusInd Insurance App
Network Garages	11,000+ network garages nationwide
Instant Buying/Renewal	Quick policy purchase and instant renewal
Add-Ons	15+ add-on covers available
Personal Accident (PA) Cover	Additional PA cover of up to ₹15 lakhs is available
24/7 Customer Support	Available through WhatsApp and Calls

Disclaimer: Please refer to the official policy documents for detailed information.

Inclusions & Exclusions

IndusInd Skoda Kodiaq Car Insurance: Inclusions & Exclusions

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What is Covered?

Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.

Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.

Natural Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.

Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.

Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered

Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.

Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.

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What is not Covered?

Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.

Law Violations: We cover all accidental damage to your Skoda Kodiaq except for ones that arise due to law violations.

Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.

Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here.

One call is all it takes to secure your Skoda Kodiaq

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Skoda Kodiaq Insurance Add-On Covers

Add-ons are optional benefits that enhance your Skoda Kodiaq’s insurance coverage. Whether you want to save money, protect luxury parts, or stay prepared for emergencies, these add-ons offer tailored protection for your premium SUV.

Return to Invoice

If your Skoda Kodiaq is stolen or declared a total loss, this add-on ensures you receive the full invoice value -including road tax and registration - rather than the depreciated IDV. It’s ideal for new or high-value vehicles.

EMI Protection Cover

If your Kodiaq’s repairs take longer than 21 days after an accident, this cover reimburses up to 3 EMIs of your car loan. It helps ease financial stress while your vehicle is in the garage.

Pay-As-You-Drive Insurance

This usage-based add-on lets you pay premiums based on how much you drive. If you use your Skoda Kodiaq occasionally, you can save significantly on insurance costs while still enjoying full coverage.

24x7 Roadside Assistance

Get round-the-clock help for breakdowns, flat tyres, battery issues, towing, and more - anywhere in India. This add-on ensures your Kodiaq is never stranded, no matter the time or location.

Engine Protection Cover

Protect your Kodiaq’s engine from water damage, oil leaks, and hydrostatic lock—especially useful during monsoons or in flood-prone areas. This add-on covers costly engine repairs and replacements.

Nil Depreciation Cover

Claim the full cost of replacing damaged parts like plastic, rubber, and glass without depreciation deductions. This add-on ensures maximum reimbursement during repairs.

NCB Retention Cover

Retain your No Claim Bonus even after making a claim. This add-on helps you preserve your discount on future premiums, making it a smart choice for long-term savings.

Total Cover

In case of total loss or severe damage, this add-on ensures complete compensation for your Skoda Kodiaq. It’s ideal for protecting your investment in high-value vehicles.

Tyre Protection Cover

Covers repair or replacement costs for tyres and tubes damaged due to cuts, bursts, or road hazards. Essential for SUVs like the Kodiaq that often face tough terrain.

Consumables Cover

Get coverage for consumables like engine oil, brake fluid, nuts, bolts, and lubricants used during repairs. These small costs can add up, especially for luxury vehicles.

Daily Allowance Benefit

Receive a daily travel allowance while your Skoda Kodiaq is being repaired. This add-on helps cover alternate transport expenses during garage downtime.

Key Replacement Cover

Covers the cost of replacing lost or stolen keys and locks, including labor charges. Ideal for smart key systems used in premium vehicles like the Kodiaq.

RIM Protection

If your Kodiaq’s wheel rims are damaged due to potholes or road debris, this add-on covers repair or replacement costs. A must-have for urban and off-road driving.

Loss of Personal Belongings

Protects valuables kept inside your Kodiaq - like electronics, bags, or documents - from theft or damage during an accident. Peace of mind for everyday travel.

Geo Extension

Extend your insurance coverage beyond India’s borders. This add-on is perfect for international road trips or cross-border travel in your Skoda Kodiaq.

Electrical Accessories

Covers factory-fitted electrical accessories like infotainment systems, sensors, and cameras against damage or theft. Essential for tech-loaded SUVs.

Non-Electrical Accessories

Protects non-electrical accessories such as seat covers, roof rails, and body kits installed by the manufacturer. Ensures your Kodiaq’s style and comfort are covered.

Emergency Hotel Accommodation

If your Kodiaq breaks down far from home, this add-on reimburses hotel stay expenses while repairs are underway. Ideal for long-distance travellers and road trip lovers.

How to Buy

How to Buy/Renew Skoda Kodiaq Car Insurance?

Model - Car

Buy Online

On top of this page, enter car registration and mobile number. Use our calculator below to estimate SI and premium.

Select your car make/model and enter your registration and previous policy details.

Enter your mobile number and the OTP. Next select your policy type and car's IDV.

Select any add-ons you require, then review the policy details and final price.

Pay online and complete the CKYC with your PAN details to receive your policy.

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Renewal Online

Navigate to the form on top of this page choose ‘Renewal’ to start your car insurance renewal process.

Fill in your mobile number or policy number > Submit.

Add your car’s details, such as registration number.

Update/modify your own damage plan as per your needs.

Confirm the premium and make the insurance renewal payment.

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Factors Affecting Skoda Kodiaq Car Insurance Premium

Your Skoda Kodiaq insurance premium is calculated based on several key factors that reflect your vehicle’s value, usage, and risk profile. Understanding these can help you optimise your coverage and even reduce your premium costs while ensuring complete protection for your luxury SUV.

Kodiaq’s IDV

The Insured Declared Value (IDV) is your Kodiaq’s current market value. A higher IDV means better claim payouts but also increases your premium. You can customise the IDV while buying or renewing your policy to balance coverage and cost.

Type of Coverage

Choosing between third-party and comprehensive insurance directly impacts your premium. Comprehensive plans with add-ons offer wider protection but come at a higher cost. Select based on your driving habits and protection needs.

Add-On Covers

Add-ons like Engine Protect, Tyre Cover, and Return to Invoice enhance your Kodiaq’s coverage but also raise the premium. While they offer peace of mind, it’s important to choose only those that match your lifestyle and usage.

Car’s Make and Model

The Skoda Kodiaq’s premium build, engine capacity, and fuel type influence your insurance cost. Higher-end variants or commercial usage may attract higher premiums due to increased repair and replacement expenses.

Claim History

If you haven’t made any claims in the previous policy year, you may be eligible for a No Claim Bonus (NCB), which reduces your premium. Frequent claims, however, can lead to higher renewal costs.

Installing Anti-Theft Devices

Equipping your Kodiaq with IRDAI-approved anti-theft devices shows that your vehicle is secure, reducing the risk of theft-related claims. This can help lower your premium while adding an extra layer of protection.

Skoda Kodiaq Key USPs

he Skoda Kodiaq stands out with its sleek European design, sharp LED headlamps, and sculpted body lines that reflect modern sophistication. Built for both city commutes and weekend getaways, its premium finish and spacious cabin make it a top pick among luxury SUV buyers. Whether parked in a corporate lot or cruising through scenic routes, the Kodiaq turns heads while offering comfort and class in every drive.

Under the hood, the Kodiaq packs a 2.0-litre TSI turbocharged petrol engine that delivers 190 PS and 320 Nm of torque. Paired with a 7-speed DSG automatic gearbox and all-wheel-drive capability, it offers smooth handling across highways and rugged terrains. With dynamic chassis control and multiple drive modes, the Kodiaq adapts to your driving style—making it a reliable companion for both urban and off-road adventures.

Safety is a top priority in the Skoda Kodiaq. It comes equipped with 9 airbags, ABS, ESC, hill-hold control, and a fatigue detection system to ensure maximum protection. The 360-degree camera and park assist features make maneuvering easy, even in tight spaces. Whether you're driving solo or with family, the Kodiaq’s robust safety suite gives you peace of mind every time you hit the road.

The Kodiaq is loaded with cutting-edge tech, including a 10.25-inch virtual cockpit and a 9.2-inch touchscreen infotainment system with Wireless Android Auto and Apple CarPlay. The 12-speaker Canton sound system delivers immersive audio, while adaptive cruise control and three-zone climate control enhance driving comfort. It’s a tech-savvy SUV built for modern lifestyles.

How to File?

How to File a Skoda Kodiaq Claim?

How to File

Step 1: Inform Us

You must inform us within 24 hours and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.

Step 2: Claim Verification

Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.

Step 3: Self Inspection

You can also opt for a self-inspection via the IndusInd Insurance app by submitting photos or via a live video survey.

Step 4: Claim Approval

Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.

Step 5: Bill Settlement

After we approve, we pay the bill directly to the garage and drop off your car at your address.

Step 1: Initiate the Claim

To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.

Step 2: Visit Garage

Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.

Step 3: Register Claim

Step 4: Upload Documents

As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate

Step 5: Money Transfer

Upon approval, we will transfer the claim amount directly to your bank account.

Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Skoda Kodiaq - Models and Prices

The Skoda Kodiaq is available in multiple variants, each designed to suit different driving styles and preferences. Whether you’re looking for a feature-packed luxury SUV or a performance-driven ride, there’s a Kodiaq variant that fits the bill. Explore the options below to find the one that matches your lifestyle best.

Skoda Kodiaq Models	Ex Showroom Price
Skoda Kodiaq L & K	₹45.19 Lakh
Skoda Kodiaq	₹46.22 Lakh

Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.

Key Takeaways

Whether you use your Skoda Kodiaq for weekend getaways, daily office commutes, or navigating uneven rural roads, you already know it’s a premium SUV built for versatility. But even the most refined vehicles aren’t immune to unexpected events be it a sudden accident, water damage during monsoons, or tyre issues from rough terrain. These can lead to costly repairs and downtime.

That’s why it’s smart to protect your Kodiaq with a reliable car insurance plan. With IndusInd Skoda Kodiaq Insurance (formerly Reliance Skoda Kodiaq Insurance), you get coverage starting at just ₹308/month*, plus 24/7 support and a seamless digital experience.

We cover accidents, fire, theft, and natural disasters like floods and earthquakes. You also get third-party liability protection to stay legally compliant and financially secure.

And when it’s time for repairs, you can visit any of our 11,000+ network garages* across India and enjoy cashless service. Plus, our IndusInd Insurance app lets you file claims via video, no paperwork, no hassle. Don’t wait for the unexpected. Get your Skoda Kodiaq insured today and enjoy peace of mind every time you drive.

Author - Model Car

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Skoda Kodiaq insurance starting at just ₹308 per month*!

Get Tailored Car Protection With Us!

Get all-around protection for your Skoda Kodiaq with coverage against own damage, theft and more! You also have the option to add useful add-ons for enhanced coverage as per your needs.

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Seamless digital experience

Quick and easy! The policy details were clearly mentioned, making it simple to choose the right one.

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Limited policy options

A fair and simple process. The Car insurance covers the basics well.

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The journey of purchasing Car insurance from Reliance (now IndusInd) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

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I recently purchased my Car insurance from Reliance (now IndusInd) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Buying a Car policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It aligns well with what I needed from an insurance policy. No complementary product was necessary for me at this stage. I'm happy with how everything went and feel secure with my policy.

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Visakhapatnam

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The journey of purchasing Car insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

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Frequently Asked Questions (FAQs)

Which policy is the best for the Skoda Kodiaq?

As the Skoda Kodiaq is a premium car, it will benefit from the coverage of a comprehensive car insurance policy. It will cover not just third-party liabilities but also personal damage from fires, accidents, collisions, natural calamities, etc.

I am selling my car. What will happen to my car insurance?

If you are selling your car, you can transfer your car insurance to the new owner. Contact us with your policy details and information about the new owner, and aid in the process. Alternatively, you can also cancel your policy and let the new owner get their own insurance.

When is a car considered a total loss?

Your car will be declared a total loss if it has been stolen and cannot be recovered, or if the repair costs exceed 75% of its IDV.

How much does the Skoda Kodiaq insurance cost?

Your Kodiaq’s insurance premium will depend on the engine capacity, location and fuel type. IndusInd car insurance starts at only ₹238 per month*. Contact us or use our calculator to get quotes for your car.

What is the duration of car insurance policies?

Car insurance policies are valid for one to three years. It is renewed every year, so you can keep your car protected and covered.

Is paint damage covered by car insurance?

Yes. Car paint that has been extensively damaged by accidents, collisions, or incidents outside of your control is covered by car insurance. Minor paint work can be covered without out-of-pocket expenses to not lose out on the No Claim Bonus.