Skoda Fabia Insurance

Skoda Fabia, manufactured by Czech car maker Skoda, was launched in India in 20o8 and went out of production in 2013. The company is planning to re-introduce Skoda Fabia in the Indian market and the estimated launch date is Dec 15, 2022.

 

Whether it is new or used, if you buy a car you cannot drive it on Indian roads without insurance. It is mandatory to buy at least third-party car insurance while purchasing a car. The rough estimate for the Skoda Fabia insurance is anywhere from Rs. 15,400- Rs. 32,000, depending on the model or variant and the insurance plan you buy.

 

Note that the prices mentioned in this article are applicable only for New Delhi. The Skoda Fabia last recorded price differs depending on the city, RTO charges and insurance cost changes.

Check Skoda Fabia Insurance Price For Different Variants

Fabia has 15 variants and the Skoda Fabia insurance price varies with each of them. You can use any car insurance calculator available online to calculate these complicated prices. Bajaj Markets offers an easy-to-use and error-free online car insurance calculator.

 

It is advisable to know the Skoda Fabia insurance cost and premium before buying a second hand car. Check out the insurance price for Skoda Fabia popular variants here.

Disclaimer: The information in the table above is based on the last recorded prices of Skoda Fabia vehicles. Premium costs depend on the model, years of usage, fuel type, variants, place of registration, add-ons, IDV, and other relevant factors.

How To Buy Skoda Fabia Insurance Online?

Now, you must be aware of the insurance prices for Skoda Fabia as well as the last recorded prices of the Skoda Fabia. The next step will be buying an insurance cover for your vehicle.

 

Bajaj Markets is your one-stop destination for all types of insurance needs. You can buy car insurance online using this platform. It provides a quick and hassle-free insurance purchase.

 

Follow the below-mentioned steps to buy Skoda Fabia insurance online.

 

• Visit the Bajaj Markets website.

• Navigate to the Car Insurance Calculator section.

• Fill in details of your car such as the vehicle registration number and your phone number.

• Enter other required details and fill the application provided.

• You can check the Skoda Fabia insurance plans available online and choose one that fulfils your needs.

• Check what premium is due and pay this online immediately.

• Once the payment is confirmed, your Skoda Fabia insurance policy will be sent to your email ID.

How To Renew Skoda Fabia Insurance Online?

Always remember to renew your car insurance on time to avoid penalties and ensure financial protection. Renewing your Skoda Fabia insurance is a simple process. Given below are the steps for it:

 

1. Head to the ‘Car Insurance Renewal’ page of the insurance provider's website & enter your previous policy details.

2. Input your personal and car-related details.

3. Check your renewal premium.

4. Make an instant online payment.

5. Your Skoda Fabia insurance policy will be active soon.

Why Should You Insure Your Skoda Fabia?

Though these processes are easy and quick, you may be wondering why you should buy car insurance. Here is why you should buy a Skoda Fabia insurance, if you are planning to buy a used one.

 

• To drive on Indian roads, a third-party vehicle insurance is mandatory.

• Insurance covers for third-party liabilities in the event of an accident.

• Comprehensive policies provide personal accident cover.

• Insurance provides protection for your car against natural calamities, theft, fire etc.

• Through network garages, you can enjoy the benefits of cashless transactions.

Types Of Skoda Fabia Car Insurance

There are two types of car insurances; Comprehensive Car Insurance and Third-Party Car Insurance. You can choose any one of them from Bajaj Markets based on your requirements.

1. Third-Party Car Insurance

A third-party car insurance is the basic form of insurance cover. It covers bodily injury and /or death of a third-party and protects you from financial liabilities. The insurer will pay for the property damage to a third-party in the event of an accident involving the insured car.

2. Comprehensive Car Insurance

A comprehensive car insurance is an enhanced version of the third party one. While providing third-party coverage, it also provides personal accident cover for the damages caused to the insured car. Other than that, loss and damage to the vehicle due to theft, natural calamities, etc are also covered under this plan.

Inclusions

Understand the inclusions and exclusions of the insurance policy before choosing one. Here are some common inclusions in the policy you may find in the Skoda Fabia insurance.

 

• Third -party liabilities

• Personal accident cover which could include passengers too

• Total loss because of theft

• Expense cover for repairs and replacements

• Damages to your car due to natural and man-made calamities including earthquakes, riots, etc.

Exclusions

You should be well aware of what is not covered by your insurance plan as you cannot claim anything for such conditions. Knowing these exclusions very well will help you in the claim process. Some of the common exclusions in car insurance plans are given below.

 

• Normal wear and tear

• Electrical or mechanical breakdowns

• Damages caused when driving the vehicle outside geographical limits

• Damages caused when driving the vehicle for any illegal purposes

• Damages caused when driving under the influence of alcohol or illegal drugs

• Damage or loss while you are driving without a valid licence

• Damages which are sustained while your policy is inactive/invalid

• Damage due to a war-like circumstance

Add-On Covers for Your Skoda Fabia Car

While comprehensive car insurance helps you deal with the financial liability of an accident, it may not be completely enough. Here are some add-on covers that offer additional protection to your insured car.

1. Zero Depreciation

It is commonly known as nil depreciation and also, bumper-to-bumper insurance cover. This cover helps you manage external care costs. Zero-depreciation car insurance cover takes care of all body repairs with no depreciation in the value of the car’s external parts.

2. No Claim Bonus Protection

For a successful claim-free year, you will receive 20-50% of the premium paid No Claim Bonus (NCB) every year. Even if you make some smaller claims as per the policy terms, the NCB Protection add-on helps you to retain your discount.

3. Engine Protection

The replacement and repair of your car’s engine parts are covered under the engine protection add-on. This includes pistons, rods and others.

4. Passenger Cover

Passenger Cover financially protects the passengers travelling in the insured car against death or disability due to an accident.

Skoda Fabia Claim Process

Here is a list of documents you should submit to your insurer if you want to claim Skoda Fabia insurance.

 

• Car insurance policy

• All original receipts/bills of replacement or repair

• Vehicle details and information

• Details of the incident

• In case of theft or damage by a third party, a copy of the FIR filed

You can file for cashless claims and reimbursement claims for your car insurance at Bajaj Markets. Follow the steps mentioned below:

Process To File Cashless Claims

Your insurance company directly settles bills with the network garage if you are going for a cashless claim. For filing a cashless claim for you Skoda Fabia insurance:

 

• Register your claim through the website or the toll-free number.

• Go to the nearest network garage and get your car repaired.

• Provide the documents asked for.

• Your insurer will verify the submitted documents.

• Once it is verified, all your bills will be directly settled with the network garage.

Process To File Reimbursement Claims

In a reimbursement claim, your insurer will reimburse the costs incurred while repairing your car. For claiming reimbursement using your Skoda Fabia insurance:

 

• Inform your insurer about the incident and the damages sustained immediately.

• If it is a major accident where a third-party is involved, file an FIR.

• Repair your vehicle at the garage of your choice and pay for it.

• Submit the FIR, original receipts, bills and other documents to your insurance company.

• Once verification is complete, your insurer will settle your claim and reimburse the costs incurred.

How To Reduce Insurance Cost For Your Skoda Fabia

You can considerably decrease your Skoda Fabia insurance cost if you follow the below-mentioned strategies.

 

• Browse through different Skoda Fabia insurance plans and opt for one that suits your budget.

• Don’t buy all add-on covers, as this increases the premium of the insurance plans.

• Install an anti-theft system (if it is not already installed by the previous owner) in your vehicle to prevent theft.

• Pay for small repairs and replacements from your own pocket.

• The higher the deductible (the amount that you pay from your pocket before the claim is covered), the lower the premium that you pay on your Skoda Fabia insurance.

Top Tips to Maintain Your Skoda Fabia

You may have bought a used Skoda Fabia based on your situation. But, if you take good care of your car on a regular basis, it will provide convenience and comfort for several years. Here are some top tips to maintain your Skoda Fabia well:

 

• Service your vehicle on regular intervals.

• Check tyres for wear and tear and replace them, if required.

• Oil changes at recommended intervals will keep the car running for years without any trouble.

• Filters, belts and spark plugs needed to be replaced on time if found to be worn or damaged.

• Regular exterior cleaning and waxing of your car can prevent rust.

Skoda Fabia Maintenance Cost

You should take your Skoda Fabia only to authorised centres for regular vehicle services. To know the approximate amount of Skoda Fabia service cost, check out the table given below. Please note that since it is a second hand car, all services shall be paid ones.

(plugin Network Cashless Garages)

Replacement Costs of Parts Changed During Services

Skoda Fabia specifications and features are important for you to know about, not just when you purchase a used vehicle, but also when and if you have to replace or change parts. As part of regular services, certain parts of your vehicle may need to be changed. This will increase the performance.

 

The table given below will give you an idea about key vehicle parts that may need changing or replacing and how much these will approximately cost you:

Note that these rates may change depending on the city, dealer and service centre.

Components To Be Replaced/Serviced At Different Intervals

To increase the performance and efficiency of your vehicle, certain parts or components should be replaced or serviced at intervals. A list of various main parts that may have to be changed at intervals are given below.

About Skoda Fabia

When launched in 2008, Skoda Fabia, the premium hatchback from the house of Skoda flaunted many 'never before seen' features in a hatchback. In the top end variants, projector headlamps and a sunroof were offered.

 

The elegant and spacious interior designs of Fabia are far more comfortable than the competitors like Maruti Swift, Volkswagen Polo, Indica Vista, etc. The detailed finishing of the Skoda gives it a classic look and it stands distinct in the crowd. More than anything, Skoda Fabia has a 5-star safety rating from NCAP while it was in the automobile market.

 

Skoda Fabia ground clearance is 158mm and the Skoda Fabia fuel capacity is 45L. Skoda offered Fabia with both petrol and diesel engine options but only with manual transmission. The engine capacity of the variants range between 1198 to 1598 cc. While the petrol variant of Skoda Fabia has a mileage of 17.5 kmpl, the diesel variant of Fabia has a mileage of 21 kmpl.

 

A second hand Skoda is one of the safest, stylish and comfortable cars you can buy from the used car market.

Skoda Fabia Variants

The Skoda Fabia has 15 variants with different feature variations. Here is the list of popular variants in the used car market:

Last Recorded Price in Top Cities

When you buy any second hand Skoda Fabia, the final price will be decided according to the model/variant and the location from where you buy your vehicle. Check out the last recorded prices of Skoda Fabia in the top cities of the country.

Features Of The Skoda Fabia

The features of the Skoda Fabia base model and more advanced models were better than other vehicles in similar categories. Here are some key features, depending on the variant you buy:

Conclusion

A car is a dream for many and some may fulfil their dream by buying a second hand car. Skoda Fabia is a good option to choose among the used cars. Used or new, all cars need adequate maintenance and services to perform well and long.

 

If anything unforeseen happens to your car, vehicle insurance will give you not only financial but also legal protection. Since it is mandatory to have vehicle insurance in India to drive around, buying insurance is the wisest decision you can make.

 

Choosing to purchase a car insurance from Bajaj Markets will help you tide over unexpected costs and liabilities that you and your car may have to incur. Bajaj Markets assures a safe and secure platform to buy car insurance that suits your needs.