Skoda Kushaq Insurance

• The Skoda Kushaq is available in two engine choices: a 1-litre, 3-cylinder turbo-petrol engine producing up to 115 hp of power and a 1.5-litre, four-cylinder TSI capable of producing 150 hp of power.

• The 1-litre variant comes with a 6-speed manual gearbox or an 8-speed torque-converter automatic, while the 1.5-litre variant comes with a 7-speed dual-clutch gearbox for smooth and quick shifting.

• The Skoda Kushaq price starts at ₹10.69 lakhs for the base 1-litre variant. The Skoda Kushaq top model price starts at ₹20.65 lakhs for the Monte Carlo variant.

• The latest version (2026) comes with uplifted Skoda Kushaq interiors, 17-inch alloy wheels, rear wipers, an upgraded 10.1-inch infotainment system, automatic climate control and Google Gemini and OTA integration.

• The Skoda Kushaq is the first of two cars manufactured in India to get the 5-star global NCAP ratings in 2022. The latest variants come with 25 to 40 passive and active safety features, including airbags, ABS, child safety locks and TPMS.

• High Possibility of Road Accidents: India continues to witness a high number of road accidents, with over 4.8 lakh accidents in 2025. A Skoda Kushaq insurance policy is required to protect your newly purchased vehicle from costly repairs and financial losses arising from accidents and collisions.

• Premium Repair Costs: The Kushaq features advanced components and premium European engineering. Repairs involving electronics, transmission or engine replacement can cost several lakhs of rupees. A car insurance policy helps reduce your out-of-pocket repair expenses.

• Mandatory Legal Requirement: According to Section 146 of the Motor Vehicles Act, every vehicle owner must have valid third-party insurance to legally drive on Indian roads. Being caught by the traffic police without valid insurance can lead to fines up to ₹4000 or imprisonment.

• Protection Against Natural Calamities: Depending on where you live, natural calamities like floods, cyclones, earthquakes, heavy rainfall and landslides can damage your Skoda car beyond repair. A comprehensive car insurance plan with add-ons like roadside assistance and engine secure provides enhanced financial protection.

• Risk of Vehicle Theft: 35,014 theft cases were reported in India in 2025, highlighting the increasing risk of losses due to burglary and break-ins. A Skoda Kushaq car insurance plan covers the cost of replacements, paying up to its Insured Declared Value (IDV).

• Third-Party Liability Protection: The legal and financial consequences of causing an accident can be significant. A car insurance policy with third-party coverage protects your financial health from such liabilities.

• Third-Party Car Insurance Plan

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• Standalone Own Damage Car Insurance Plan

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• Comprehensive Car Insurance Plan

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• Usage-Based Car Insurance Plan

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• Zero Depreciation Car Insurance Plan

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• Network Garage Availability: Our plans offer access to 6300+ cashless garages, including authorised service centres and specialised workshops. Find an authorised garage for your Skoda car near your location using our network garage page for easy, cashless repairs.

• 24/7 Claim Support: Get round-the-clock and uninterrupted assistance using our customer support helpline (022-6489-8282). Call us to get help regarding anything from product queries to document submission and tracking requests from our dedicated experts.

• Hassle-Free Purchase: Buy or renew car insurance online with a few simple steps without any paperwork. All you need is your Skoda Kushaq registration number and existing policy number (if any) to get a four-wheeler insurance plan with a few clicks.

• Multiple Customisation Options: Enhance your chosen policy with 8+ car insurance add-ons based on your driving and financial requirements. For instance, if you own a high-value car, consider add-ons like zero depreciation for better claim settlements and return to invoice for enhanced financial protection in case of total loss or theft.

• Easy Online Comparisons: Our website and app offer online comparison tools and premium calculators that help you choose the best car insurance policy. Compare car insurance plans based on coverage options and costs to make an informed decision.

• Attractive Bonuses: Enjoy up to 50% discount on Skoda Kushaq insurance renewals with a No Claim Bonus based on the number of claim-free years. We also offer online discounts of up to 85% depending on factors like installing safety devices, getting automobile association memberships, etc.

• Trusted and Reliable Partner: With over 25 years of experience in the insurance industry, we provide reliable services, transparent processes and efficient claim settlements. Our customer-focused approach ensures a smooth and dependable insurance experience.

• Easy Claim Settlements: Experience a hassle-free digital claim process that provides you with quick access to cashless repairs at TATA AIG network garages. Alternatively, you can file for a reimbursement claim if you wish to take your car for repair to a non-network garage.

What's Covered

• Repair and replacement costs arising from accidents and collisions
• Damage caused by fire, explosions, self-ignition, and lightning
• Coverage against theft and total loss up to the Insured Declared Value (IDV)
• Damage incurred while transporting the vehicle by road, rail, inland waterways, or air
• Losses caused by natural disasters such as floods, cyclones, storms, earthquakes, landslides, and hailstorms
• Damage due to riots, strikes, vandalism, and malicious acts
• Personal accident cover for the owner-driver’s death or permanent disability
• Third-party injuries, fatalities, property damage, and legal expenses

What's Not Covered

• General wear and tear, depreciation, and routine maintenance expenses
• Damage caused while driving under the influence of alcohol or drugs
• Mechanical or electrical breakdowns not arising from insured events
• Loss or damage occurring outside the geographical limits specified in the policy
• Consequential losses arising indirectly from an insured event
• Claims resulting from contractual obligations

At TATA AIG, we offer a wide range of add-ons or riders that enhance your chosen car insurance plan. Find the list of all our add-ons on the car insurance add-on page. Below are some of the most popular ones.

• Roadside Assistance: This add-on lets you get 24/7 roadside assistance services at the location where your car has a breakdown. Our services include on-the-spot repairs, fuel assistance, flat tyre replacement, towing, and concierge services.

• Tyre Secure: This add-on covers damage to tyres and tubes from accidents and poor road conditions. It covers up to 4 replacements in a year for accidental loss but excludes normal wear and tear.

• Emergency Medical Expenses: This add-on covers the cost of medical emergencies at a hospital or nursing home following an accident involving the insured Skoda car for all passengers. It also covers ambulance charges and supporting items.

• Emergency Transport & Hotel Expenses: It covers the cost of an overnight hotel stay and taxi expenses required to return to your place of residence or the nearest city in the event of an accident involving your Skoda Kushaq car.

Buy or Renew Skoda Insurance Online

Get complete coverage online in just a few clicks

• Enter Car Registration Details: Scroll up to find the premium quote tool. Enter your Skoda Kushaq car registration number and click on ‘Get Price’.

• Provide the Required Details: Enter the necessary details, including model and variant name, date of purchase and contact information.

• Select Your Plan: From the available options, choose the plan as per your suitability. Then, select the IDV, tenure and include add-ons as per your preference.

• Pay the Premium: The calculator will reflect your Skoda Kushaq insurance costs. If acceptable, pay the premium to buy a new plan.

• Find the My Policy Menu: Scroll to the top of this page and find the ‘My Policy’ menu.

• Login Using Mobile Number: Click on the ‘Login’ button and sign in using your registered mobile number or email ID and OTP (one-time password).

• Go to Policy Download: Navigate to the ‘Policy Download’ section and enter your car registration number or policy number to confirm.

• Save the Policy Documents: Click on the download button to save a PDF copy of the policy documents on your device.

Claim Process

• Report the incident (accidents, theft, or total loss) to TATA AIG using our customer support helpline (022-6489-8282). File a police report or FIR in case of theft or a major accident.

• File an online claim on the claims portal, TATA AIG app or by logging onto your TATA AIG account by entering all required details. Upload photos or videos of the damage to complete the self-inspection.

• Cooperate with the surveyor sent to your location to get the damage report. Take your Skoda Kushaq car to one of our network garages for repairs. TATA AIG will settle the repair bill directly with the garage, subject to the policy terms and conditions.

• You can also take your car to a non-network garage and file a reimbursement claim. For reimbursement claims, submit the signed claim form with policy documents, invoices and payment receipts. We will credit the approved amount to your account after verification.

Documents Required

• Duly filled and signed claim form
• Copy of car insurance policy documents
• Registration certificate (RC) of your Skoda Kushaq
• Driving licence of the driver at the time of the incident
• Identity and address proof
• Proof of damage (photos and videos)
• FIR/police report (major damage, theft or legal case)
• Court summons or notice (third-party claims)
• Medical bills and reports (personal accident and third-party claims)
• Garage repair estimate
• Original repair bills and payment receipts
• Any other documents as required

Your Skoda Kushaq insurance price depends mostly on the type of policy. For third-party car insurance plans, the premium rate is fixed across all providers under the Motor Vehicles Act, while for own damage (OD) plans, the premium rate is decided by the provider. The cost of a comprehensive plan is the sum of its third-party and OD cover price.

Premium rates are based on multiple factors, such as your car’s IDV, age, conditions, variant, your chosen add-ons, plan tenure, driving history, etc. To avoid the hassles of manual calculation, open our car insurance calculator and enter the following details for instant and accurate results:

• Car registration number
• Make, model and variant
• Year of manufacture and registration
• Existing policy number
• Current No Claim Bonus
• Cost of all add-on covers

Disclaimer: The above ex-showroom prices vary across different locations, dealerships, and other factors. The third-party premium rates are fixed as per engine capacity.