Skoda Laura Car Insurance

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

The Skoda Laura is a premium sedan admired for its refined performance, sleek design, and smooth driving experience. Whether you're cruising on highways or navigating city traffic, this car delivers comfort and control. But even the most well-engineered vehicles need protection, and that’s where IndusInd car insurance comes in.

Imagine your Skoda Laura getting damaged due to waterlogging during heavy rains a common issue in many cities. With our comprehensive car insurance plan, you can opt for the Engine Protect add-on to cover such damages, saving you from expensive repair bills.

Car insurance isn’t just a smart choice it’s a legal necessity for every car owner in India. So, make sure your Skoda Laura is covered with at least a third-party car insurance policy.

Choose IndusInd General Insurance (formerly Reliance General Insurance) to insure your Skoda Laura. You can buy your policy online in minutes and store it digitally using the IndusInd IndusInd app. That way, your insurance documents are always just a tap away!

Why Us?

Why 8 Crore+ Policyholders Trust Us?

Skoda Laura Car Insurance policy, you are covered against unpredictable road risks and rising repair costs. Our car insurance plans offer comprehensive financial protection and smooth, cashless repairs, ensuring your premium driving experience stays uninterrupted while safeguarding you from expensive accidental damages.

Model Car

15 plus add-on covers

Customise your Skoda Laura 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 Laura Insurance?

Legal Requirement

Driving your Skoda Laura without valid car insurance is a legal offence in India. Whether you use it daily or occasionally, you must have at least third-party insurance coverage. If caught without it, you could face fines ranging from ₹2,000 to ₹4,000 or even imprisonment for up to 3 months. Protect your premium sedan and stay compliant with traffic laws by opting for a reliable Skoda Laura insurance policy.

Protection Against Repairs

Skoda Laura is built for performance, but even the best machines can suffer damage from potholes, minor collisions, or wear and tear. Repairing a premium car like Laura can be expensive, especially if parts need replacement. With comprehensive Skoda Laura insurance, you can cover repair costs and avoid paying out of pocket. Add-ons like Zero Depreciation ensure you get full claim value without deductions.

Safeguard from Theft

Luxury cars like the Skoda Laura are often targeted by thieves, especially in urban areas. If your car is stolen, the financial loss can be devastating. With a comprehensive insurance plan, you’ll be reimbursed the Insured Declared Value (IDV) of your vehicle. For added protection, opt for the Return to Invoice add-on, which ensures you get the full invoice value of your Skoda Laura in case of total loss due to theft.

Natural Disaster Coverage

Floods, storms, and landslides can cause severe damage to your Skoda Laura, especially in monsoon-prone regions. Waterlogging can lead to engine failure, electrical issues, and corrosion. With Skoda Laura car insurance, you can cover these damages under natural disaster protection. For complete peace of mind, include the Engine Protect add-on to cover engine repairs and replacements caused by water damage.

Fire Damage Protection

Fire-related incidents—whether due to short circuits, lightning strikes, or accidents—can lead to major damage to your Skoda Laura. Repairing fire damage often involves replacing expensive components, which can be financially draining. A comprehensive insurance policy helps cover these costs. With the right coverage, you won’t have to worry about unexpected fire-related expenses affecting your luxury car.

Genuine Repairs & Spare Parts

Skoda Laura’s premium build demands high-quality spare parts and expert servicing. Not all garages use genuine components, which can lead to faster wear and future breakdowns. With Skoda Laura insurance from IndusInd General Insurance, you get access to a wide network of authorised garages that use only original parts. This ensures your car gets the best care and maintains its performance over time.

Types of Skoda Laura Car Insurance Plans

Comprehensive Car Insurance

A comprehensive car insurance plan for your Skoda Laura offers dual protection it covers damage to your own car and to third-party vehicles or property. Whether it’s a minor fender bender or a major accident, this plan ensures you’re financially protected. You also get access to 15+ add-ons like Zero Depreciation and Engine Protect, allowing you to customise coverage for your premium sedan as per your lifestyle and driving habits.

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Pay As You Drive Car Insurance

If you drive your Skoda Laura occasionally say, for weekend getaways or relaxed city drives our Pay As You Drive plan is perfect for you. You can select a yearly driving limit between 2,500–10,500 km and enjoy a 125 km grace buffer. Unused kilometers can be carried forward, and you only top up when needed. Ideal for remote workers, multi-car owners, or those who rely on public transport, this plan helps you save while staying protected.

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Third Party Car Insurance

Third-party car insurance is mandatory for all Skoda Laura owners under Indian law. It covers damage caused to another person’s vehicle, property, or injuries during an accident. This is our most budget-friendly plan and is perfect for meeting legal requirements. For new car owners, we offer a 5-year third-party policy option pay once and stay covered for half a decade, making it a hassle-free and cost-effective choice for responsible driving.

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Own Damage Car Insurance

If you already have third-party coverage, you can enhance protection with our Own Damage insurance for Skoda Laura. This standalone policy covers your car against accidents, fire, theft, and natural disasters like floods or landslides. You can choose between short-term (1 month) or long-term (up to 1 year) coverage options. It’s a smart way to safeguard your luxury vehicle from unexpected repair costs while keeping your insurance flexible.

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Key Features

Key Features of IndusInd Skoda Laura Insurance

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 Laura 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 Laura 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: Please refer to the official policy documents for detailed inclusions and exclusions.

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Skoda Laura Insurance Add-On Covers

Add-ons are a smart way to enhance your Skoda Laura’s base insurance coverage. Whether you drive occasionally or rely on your car daily, these add-ons help tailor your policy to your lifestyle. From protecting expensive parts to covering emergency situations, IndusInd General Insurance offers 15+ add-ons to help you customise your Skoda Laura insurance plan for maximum value and peace of mind.

Nil Depreciation Cover

Get full claim value for plastic, rubber, and glass parts without depreciation deductions. This add-on ensures your Skoda Laura’s premium components are replaced at actual cost, helping you avoid out-of-pocket expenses during repairs and maintain the luxury standard of your vehicle.

Pay As You Drive Cover

If you drive your Skoda Laura less than 10,000 km a year, this usage-based add-on helps you save on premiums. Pay only for the distance you drive and enjoy full coverage. Ideal for remote workers, multi-car owners, or those who use public transport frequently.

Return to Invoice Cover

In case your Skoda Laura is stolen or declared a total loss within three years of registration, this add-on reimburses the full invoice value instead of the depreciated amount. It’s a smart way to protect your investment and ensure complete financial recovery.

Engine & Gearbox Protection

Skoda Laura’s refined engine deserves top-tier protection. This add-on covers damage from water ingress, oil leakage, and mechanical breakdowns—especially useful during monsoons or if you drive through waterlogged areas. It helps avoid costly engine repairs.

Tyre Protection Cover

Tyres are prone to cuts, bursts, and wear from potholes or rough roads. This add-on covers repair or replacement costs for tyres and tubes, ensuring your Skoda Laura maintains optimal performance and safety without unexpected expenses.

Key & Lock Replacement

Lost or stolen keys and damaged locks can be expensive to replace. This add-on covers the cost of replacing Skoda Laura’s ignition keys, door locks, and central locking systems—essential for maintaining your car’s security and convenience.

Consumables Cover

Standard policies don’t cover items like engine oil, brake fluid, nuts, bolts, and lubricants. This add-on ensures these consumables are covered during repairs, saving you from paying extra and keeping your Skoda Laura in top condition.

RIM Protection Cover

Protect your Skoda Laura’s alloy wheels from damage caused by potholes, sharp objects, or rough terrain. This add-on ensures your rims stay in pristine condition, reducing long-term wear and maintaining the car’s premium look and performance.

24x7 Roadside Assistance

Whether it’s a flat tyre, dead battery, or breakdown in the middle of nowhere, this add-on provides round-the-clock support. Get towing, fuel delivery, jump-starts, and more—anytime, anywhere across India, for your Skoda Laura.

Loss of Personal Belongings

This add-on protects your personal items kept inside the Skoda Laura from theft or damage. Whether it’s gadgets, bags, or valuables, you’ll be reimbursed for losses, making it ideal for frequent travellers and city commuters.

EMI Protection Cover

If your Skoda Laura is under repair for more than 21 days after an accident, this add-on helps cover up to 3 EMIs of your car loan. It’s a financial cushion that ensures your monthly commitments are met even when your car is off the road.

Total Cover

In case of major damage or total loss, this add-on ensures you receive full compensation for your Skoda Laura. It’s designed to give you complete peace of mind and protect your investment in high-value scenarios.

NCB Retention Cover

Worried about losing your No Claim Bonus after a minor claim? This add-on allows you to retain your NCB even after making a claim, helping you save on future premiums while staying protected.

Daily Allowance Benefit

If your Skoda Laura is in the garage for repairs, this add-on provides a daily transport allowance. It helps you manage your commute without disruption, ensuring convenience while your car is being fixed.

Geo Extension Cover

Planning to drive your Skoda Laura across borders? This add-on extends your insurance coverage internationally, giving you global protection and peace of mind during overseas travel.

Electrical Accessories Cover

Protect factory-fitted electrical accessories like infotainment systems, sensors, and lighting from theft or damage. This add-on ensures your tech features are covered and functioning at their best.

Non-Electrical Accessories Cover

This add-on covers factory-installed non-electrical accessories such as seat covers, mats, and trims. It ensures your Skoda Laura’s aesthetics and comfort features are protected from damage or theft.

Emergency Hotel Accommodation

If your Skoda Laura breaks down far from home, this add-on reimburses your hotel stay expenses. It’s perfect for long-distance travellers and road trip enthusiasts who want to stay safe and comfortable during unexpected delays.

How to Buy

How to Buy/Renew Skoda Laura 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.

Model - Car

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 Laura Car Insurance Premium

Your Skoda Laura insurance premium is calculated based on several key factors that reflect your car’s value, usage, and protection needs. Understanding these parameters can help you customise your coverage and optimise your premium.

Skoda Laura’s IDV

The Insured Declared Value (IDV) is your Skoda Laura’s current market value. A higher IDV means better claim payouts but also a higher premium. You can choose your IDV while buying or renewing your policy to balance protection and affordability.

Type of Coverage Chosen

Whether you opt for third-party, own damage, or comprehensive coverage, your choice directly affects the premium. Comprehensive plans with add-ons offer better protection but come at a higher cost.

Add-On Covers Selected

Add-ons like Engine Protect, Tyre Cover, and Key Replacement enhance your Skoda Laura’s coverage. However, each add-on increases the premium. Choose wisely based on your driving habits and car usage.

Make, Model & Fuel Type

Your Skoda Laura’s variant, engine capacity, and fuel type (petrol or diesel) influence the premium. Higher engine capacity or luxury trims may attract higher insurance costs due to increased repair 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.

Anti-Theft Device Installation

Installing IRDAI-approved anti-theft devices in your Skoda Laura shows that your car is secure. This lowers the risk of theft and can help reduce your insurance premium significantly.

Skoda Laura Key USPs

The Skoda Laura stands out with its sleek silhouette, bold grille, and clean lines that reflect European sophistication. It’s a sedan that balances style with practicality, making it ideal for both city drives and long highway journeys. Whether parked outside a corporate office or cruising through scenic routes, the Laura’s design speaks of understated luxury. Its build quality and finish ensure it remains visually appealing for years, adding to its long-term value.

Equipped with a 6-speed DSG automatic gearbox and responsive drive modes, the Skoda Laura delivers a refined driving experience. Its dynamic chassis and all-wheel-drive capability make it suitable for both urban commutes and weekend getaways. The diesel variant offers impressive torque and fuel efficiency, while the petrol version ensures smooth acceleration. Whether navigating traffic or cruising on highways, the Laura offers control, comfort, and confidence behind the wheel.

Safety is a priority in the Skoda Laura, with features like dual airbags, ABS, ESP, and hill-hold control ensuring protection for all occupants. The car’s sturdy build and reinforced frame add to its crash resilience. Rear parking sensors and seatbelt reminders enhance everyday driving safety. These features not only protect passengers but also contribute to lower insurance premiums, making the Laura a smart choice for safety-conscious buyers.

The Skoda Laura integrates modern tech with comfort. It comes with a touchscreen infotainment system, automatic climate control, steering-mounted controls, and a premium audio setup. These features make every drive enjoyable, whether you’re stuck in traffic or on a long road trip. The cabin is designed for convenience, with ample legroom and intuitive controls. Laura’s tech-forward approach ensures it stays relevant even in today’s fast-evolving automotive landscape.

How to File?

How to File a Skoda Laura 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.

Skoda Laura- Models and Prices

The Skoda Laura is available in multiple variants, each designed to suit different driving styles and preferences. Whether you’re looking for a powerful diesel engine, a smooth automatic transmission, or a feature-rich manual version, there’s a Laura for every kind of driver. Explore the full range of Skoda Laura variants below to find the one that fits your lifestyle best.

Skoda Laura Models	Ex Showroom Price
Skoda Laura 1.8 TSI Classic	₹14,30,059
Skoda Laura 1.8 TSI Active	₹14,83,635
Skoda Laura 1.9 TDI MT Ambiente	₹15,49,224
Skoda Laura 1.9 TDI AT Ambiente	₹16,40,523
Skoda Laura 1.8 TSI Ambiente	₹15,48,281

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

If you drive a Skoda Laura whether for daily commutes, weekend getaways, or simply to enjoy its smooth performance you already appreciate the comfort and elegance this sedan offers. But even the most well-engineered cars can face unexpected situations like road accidents, flash floods, or tyre blowouts. That’s why protecting your Laura with the right car insurance is essential.

With IndusInd Skoda Laura Insurance (formerly Reliance Skoda Laura Insurance), you get comprehensive coverage starting at just ₹308/month*. From accident repairs and fire damage to protection against natural disasters like floods and earthquakes, we’ve got you covered. Plus, our third-party liability cover ensures you stay legally protected on the road.

Enjoy cashless repairs at over 11,000+ network garages* across India, so you don’t have to worry about upfront payments. And with our digital-first approach, you can file claims directly from your phone using the IndusInd Insurance app’s video claims feature—quick, easy, and hassle-free.

Don’t wait for the unexpected to happen. Secure your Skoda Laura today with a personalised insurance plan that’s built around your needs and driving habits.

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.

IndusInd General Insurance

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Enjoy complete protection for your Laura car, covering everything from own damage to theft and more. Plus, choose from handy add-ons to boost your coverage exactly the way you want today.

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4.8 ★ ★ ★ ★ ★ (2105)

Roshan Jha

Meerut

Seamless digital experience

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

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Noida

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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Vizianagaram

Quick policy issuance

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

Quick policy issuance

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)

What is the IDV of the Skoda Laura?

Insured Declared Value of your Skoda Laura is its market value, which is paid to you when you suffer total loss or theft. It is calculated by deducting depreciation from the car and its parts' value.

What documents do I need to submit to buy car insurance for my Skoda Laura?

To buy car insurance, you must submit your car’s registration certification, your driver’s license and previous insurance documents. Personal identification documents, such as the Aadhaar card and PAN card, must also be submitted.

Is personal accident cover mandatory in India?

Yes. Personal accident covers are mandatory for all registered car owners in India. It will cover death, accidents or permanent disability that the car owner sustained when driving the car.

Will my insurance cover mechanical failures of the Skoda Laura?

The standard car insurance does not cover mechanical failures for your Skoda Laura. To cover mechanical failures, wear and tear, and electrical breakdowns, specific add-ons, such as the Engine Protection cover, are necessary.

Can I choose add-ons when I renew my policy?

Yes. You can add-on specific covers when you renew your insurance. It will change the premium amount that you can check and pay online from the IndusInd Insurance app.

Can I transfer my Skoda Laura car insurance?

Yes. You can transfer your Skoda Laura’s insurance when you sell it. Contact us with your policy details and those of the new owner. We will facilitate the transfer process.