Skoda Kodiaq Car Insurance

Whether you're purchasing a new Skoda Kodiaq insurance policy or renewing an existing one, TATA AIG makes the process smooth, quick, and entirely online. Here's how it works:

To Buy a New Skoda Kodiaq Insurance Policy:

• Visit the TATA AIG website and go to the Car Insurance section
• Click “Get Price” and enter your Skoda Kodiaq registration number
• Provide basic vehicle details like make, model, fuel type, and variant
• View customised policy options and explore add-ons such as Zero Depreciation, Engine Protection, or Roadside Assistance
• Select your preferred Insured Declared Value (IDV) and review the quote
• Fill in your personal details and complete CKYC
• Make the payment securely online
• Your policy document will be emailed to you immediately

To Renew Your Skoda Kodiaq Insurance:

• Visit the TATA AIG website and click on “Renew”
• Enter your policy number or registration number to fetch your existing plan
• Review current coverage, IDV, and applicable No Claim Bonus (NCB)
• Modify or enhance coverage with optional add-ons like Consumables Cover or Return to Invoice
• Confirm details and pay online
• Your Skoda car insurance renewal policy will be sent instantly via email

With TATA AIG’s digital-first support and a network that includes 5,900+ car garages and 4,500+ bike garages, buying or renewing insurance for your Skoda Kodiaq is now easier than ever.

The Skoda Kodiaq insurance cost depends on the car’s Insured Declared Value (IDV), which is the current market value of the vehicle after accounting for depreciation. IDV plays a key role in deciding the premium and the claim amount in case of total loss or theft. Factors like car age, variant, fuel type, registration city, and usage type help determine this value.

With TATA AIG, calculating your premium is easy. By using the vehicle insurance calculator on the website, you can check the exact cost, explore add-ons, and select a plan that suits your needs. For those considering third-party car insurance, the premium is standardised by IRDAI and depends on the Skoda Kodiaq’s engine capacity.
To ensure full protection, it’s advisable to compare plans and get a quote for your Skoda Kodiaq insurance online before buying or renewing.

Choosing the right policy for your Skoda Kodiaq begins with understanding the different types of car insurance available in India. TATA AIG offers three main plans, each designed to meet specific protection needs.

Comprehensive Car Insurance Policy

This is the most extensive form of coverage. It includes mandatory third-party liability and also protects your Skoda Kodiaq against its own damages caused by accidents, fire, theft, natural disasters, and vandalism. It comes with a Personal Accident Cover of up to ₹15 lakhs. To strengthen your protection, you can add covers like Zero Depreciation, Engine Protection Cover, Roadside Assistance Cover, and more.

Standalone Own-Damage Car Insurance Policy

This policy is designed for car owners who already have a third-party car insurance plan. It only covers damages to your own car due to accidents, theft, fire, riots, or natural calamities. Since it does not include third-party liability, it should be purchased along with a valid third-party policy.

Standalone Third Party Car Insurance Policy

This is the mandatory car insurance required by Indian law under the Motor Vehicles Act. Every vehicle owner must have this policy. It provides financial protection against any injury, death, or property damage caused to a third party in an accident involving your car. However, it does not cover damages to your own vehicle. You can improve the scope of this cover by adding a Personal Accident Cover for the owner-driver or including optional add-ons with another plan.

With TATA AIG, all three plans can be easily customised and purchased online. You can also enhance your Skoda Kodiaq insurance with up to 20 unique add-on covers that offer extra protection and financial support when you need it most.

Buying Skoda Kodiaq car insurance online is a smart and convenient way to ensure your vehicle stays protected at all times. Whether you're purchasing a new plan or renewing an existing one, the online process offers speed, transparency, and complete control over your policy choices.
Here’s why choosing four-wheeler insurance online with TATA AIG makes sense:

• You can compare plans, add-ons, and premiums instantly

• It helps you stay compliant with the Motor Vehicles Act, which mandates third party car insurance

• It protects you from third-party liabilities like injuries or property damage

• You get coverage for car theft, fire, and damage from natural calamities

• You can select add-ons like Zero Depreciation or Engine Protection Cover for extra safety

• A Personal Accident Cover is included for added security

• The digital process is fast, paperless, and available anytime
  With TATA AIG, managing Skoda Kodiaq insurance is easy, secure, and tailored to your needs.

How to Claim Skoda Kodiaq Car Insurance

If your Skoda Kodiaq has been involved in an accident or sustained damage, raising an insurance claim with Tata AIG is easy and hassle-free. Here’s a step-by-step guide to help you with the process:

1. Report the Incident to Tata AIG

As soon as the incident occurs, inform Tata AIG immediately. You can reach us through our customer care number 022-6489-8282 (charges apply) or visit our claims support page online. Once we receive your claim, we will guide you through the next steps and provide a claim registration number.

Please have the following details ready:

• Engine and chassis number
• Contact information
• Date, time, and location of the accident
• Brief description of the incident
• Vehicle’s kilometre reading
• Location for vehicle inspection

2. Vehicle Inspection

A Tata AIG surveyor will be assigned to inspect the damage to your Skoda Kodiaq. The findings will be documented in a report, which will be shared with both you and our team for further verification.

Based on your preferred claim method (cashless or reimbursement), we will either direct you to one of our 5900+ network garages for repairs or guide you through the reimbursement process.

3. Submit Required Documents

To ensure a swift claim process, submit the required documents, including:

• Completed claim form
• Copy of FIR (if applicable)
• Identity proof
• Address proof
  Additional documents may be required depending on the specifics of the incident.\

4. Choose Your Claim Method

Tata AIG offers two convenient claim settlement options:

Cashless Claim:

Once your documents are verified, take your Skoda Kodiaq to a Tata AIG network garage. We will directly settle the repair costs with the garage, so you won’t have to pay out of pocket for eligible damages.

Reimbursement Claim:

If you prefer, you can get your Skoda Kodiaq repaired at a garage of your choice, pay the repair bill, and submit the invoices to us. After verification, we will reimburse the eligible costs. Please ensure that you submit the invoices promptly to avoid any delays.

By following these simple steps, you can easily claim your Skoda Kodiaq car insurance with Tata AIG, ensuring a smooth and efficient process.

TATA AIG offers up to 20 Car Insurance Add-on Covers that enhance your Skoda Kodiaq car insurance policy by offering better financial protection for real-world situations — from accidental damage to key loss and emergency support.

Here’s a detailed list of all 20 add-ons, with keyword integration:

1. Zero Depreciation (Depreciation Reimbursement)

The Zero Depreciation (Depreciation Reimbursement) add-on ensures you get the full cost of replaced parts without deduction for depreciation — a valuable cover for high-value repairs and replacements.

2. Return to Invoice Cover

With Return to Invoice Cover, you are reimbursed the full invoice value of the vehicle, including road tax and registration, in case of total loss or theft — not just the depreciated IDV.

3. No Claim Bonus (NCB) Protection

No Claim Bonus (NCB) Protection helps retain your discount on premiums even after a limited claim, as long as previous claim-free years are maintained.

4. Additional Third-Party Property Damage

This add-on increases the coverage limit for third-party property damage, going beyond what a standard third-party policy offers.

5. Engine Protection Cover

The Engine Protection Cover protects your vehicle’s engine and gearbox against damage due to flooding, oil leakage, or other non-collision incidents.

6. Repair of Glass Fibre and Plastic Parts

With Repair of Glass Fibre and Plastic Parts, you can claim one repair annually for non-metal parts like mirrors and bumpers without affecting your No Claim Bonus.

7. Key Replacement Cover

The Key Replacement Cover reimburses costs related to the replacement of lost or stolen keys, offering convenience and financial relief.

8. Tyre Secure Cover

The Tyre Secure Cover allows claims for repairing or replacing tyres or tubes that are accidentally damaged, even without an accident.

9. Loss of Personal Belongings

The Loss of Personal Belongings add-on compensates you for items such as mobile phones, laptops, or bags stolen or damaged inside your vehicle during a covered incident.

10. Consumables Cover

The Consumables Cover pays for essential items like brake fluid, engine oil, nuts, bolts, and AC gas that are typically not covered in standard policies.

11. Additional Towing Charges

This add-on covers Additional Towing Charges if the cost to tow your vehicle exceeds the pre-approved limit, helping avoid sudden expenses.

12. Misfuelling Cover

With Misfuelling Cover, you’re protected from costs related to draining incorrect fuel and fixing any damage caused as a result.

13. Daily Allowance

The Daily Allowance add-on provides a daily payout or access to a replacement vehicle when your car is in the garage post-accident.

14. Emergency Transport and Hotel Expenses

Emergency Transport and Hotel Expenses cover your stay and alternate travel if your car breaks down while you're away from home.

15. Roadside Assistance Cover

The Roadside Assistance Cover offers 24x7 help with breakdowns, flat tyres, towing, jump-starts, and more — perfect for emergencies.

16. Emergency Medical Expenses

Emergency Medical Expenses take care of ambulance fees and hospital bills if you're injured while driving or travelling in the insured vehicle.

17. Electric Surge Secure

Electric Surge Secure protects the electric components of your EV from short circuits or surges during charging or bad weather.

18. Battery Depreciation Allowance

The Battery Depreciation Allowance add-on compensates for depreciation of EV batteries during a valid claim — ideal for electric vehicle variants.

19. Vehicle Loan Protector

The Vehicle Loan Protector settles your outstanding car loan with the bank if the policyholder passes away or is permanently disabled due to an accident.

20. Reinstate Cover

The Reinstate Cover lets you file a second claim for the same panel if more damage from the same incident is found later.

While comprehensive car insurance from TATA AIG offers extensive protection for your Skoda Kodiaq, it’s important to know what is included and what isn’t. This clarity will help you make informed decisions—whether you’re buying a new policy or renewing an existing one.

TATA AIG’s comprehensive four-wheeler insurance protects your car against a wide range of incidents such as theft, accidents, natural disasters, and more. However, some limitations apply, especially in cases involving wear and tear or policy misuse.

Here is a table that outlines the key inclusions and exclusions under your car insurance policy:

You can easily download your Skoda Kodiaq car insurance policy from TATA AIG’s official portal. Here’s a step-by-step guide:

• Visit the Tata AIG Website: Go to www.tataaig.com.
• Log In: Click on the ‘Self-Service’ tab and log in using your registered mobile number, email ID, or car insurance policy number.
• Go to ‘Policy Download’: After logging in, go to the ‘Policy Download’ section and enter your policy number or vehicle registration number.
• Download Your Policy: Click on ‘Download Policy Document’ to save a PDF copy. You can also receive it via email or WhatsApp.
• For Renewals: Once you complete your car insurance renewal, you can download the updated policy from the same section.

Keep your policy copy saved—especially if you’ve opted for Car Insurance Add-on Covers like Zero Depreciation (Depreciation Reimbursement) or Engine Protection Cover, which are detailed in your document.

If you face any issues, contact customer support at 022-6489-8282 or email customersupport@tataaig.com.

When filing a car insurance claim for your Skoda Kodiaq, it’s important to have the right documents in place. Whether you're claiming under Car Insurance Add-on Covers like Roadside Assistance Cover, Emergency Medical Expenses, or Loss of Personal Belongings, these documents will help ensure a smoother process:

• Duly filled and signed claim form

This is the primary document needed to initiate any type of claim.

• Copy of your Skoda Kodiaq car insurance policy

Verifies that your policy is active and valid at the time of the incident.

• Valid driving licence

Required to confirm that the driver was authorised at the time of the incident.

• Registration Certificate (RC) of the vehicle

Proves ownership of the insured vehicle.

• FIR copy (if applicable)

Crucial in case of theft or third-party-related incidents.

• Photographs of the damage

Acts as supporting evidence, especially useful for Zero Depreciation (Depreciation Reimbursement) or Tyre Secure Cover claims.

• Repair bills and payment receipts

Mandatory for reimbursement-based claims under covers like Engine Protection Cover or Consumables Cover.

• ID and address proof

Confirms the identity of the policyholder during claim processing.

These are applicable to both basic and add-on claims like Daily Allowance, Return to Invoice Cover, or No Claim Bonus (NCB) Protection. Keep them ready to ensure a quick resolution.

When it comes to protecting your Skoda Kodiaq, choosing the right insurance partner makes all the difference. Here’s why Tata AIG is a trusted choice:

• Over 20 Years of Experience

Tata AIG has been protecting vehicles across India for more than two decades, earning the trust of over 5 crore customers.

• Hassle-Free Policy Management

Whether you're purchasing or renewing, managing your car insurance online is simple. You can also customise your plan with up to 20 car insurance add-on covers, such as Zero Depreciation (Depreciation Reimbursement), Engine Protection Cover, and Roadside Assistance Cover.

• Wide Network of Cashless Garages

Tata AIG offers access to 5,900+ cashless garages for cars and 4,500+ cashless garages for bikes, ensuring quick, quality repairs across India without out-of-pocket expenses for covered damages.

• Quick and Transparent Claim Process

With support from 650+ claim experts, Tata AIG ensures a smooth and timely car insurance claim settlement experience.

• Customer-First Approach

Every step—from selecting the right policy to claim resolution—is built around your convenience, transparency, and satisfaction.

Choose Tata AIG for your Skoda Kodiaq car insurance and enjoy nationwide support, comprehensive coverage, and a claims process that puts you first.

The Skoda Kodiaq is available in the country through CKD (Completely Knocked Down) route and is powered by a 1984cc petrol engine mated with seven-speed dual-clutch automatic transmission. Other features of the Kodiaq include:

• Turbocharged petrol engine
• Maximum power of 201bhp at 4200-6000rpm
• Maximum torque of 320Nm at 1500-4400rpm
• BS-VI emission standard compliant
• Fuel tank capacity of 62 litres
• Ground clearance of 155mm
• Mileage of 14.86kmpl
• Anti-lock braking system
• Seating capacity of seven
• 786 litres of boot space
• Multi-function steering wheel
• 9 airbags
• Android Auto/Apple CarPlay