The Czech automaker Skoda Auto manufactured a seven-seated mid-size crossover SUV, Skoda Kodiaq, in 2016. The facelifted version of this model is supposed to debut in India in January 2022. It will be available in three trim options.

If you are planning to purchase this car, you should be aware of the risks and damages it is exposed to. Despite several driving safety features, any unfortunate event can inflict damages to your car and cost you a fortune. Considering this, you might want to obtain a Skoda Kodiaq insurance policy.

In India, several insurers offer a variety of insurance plans along with other attractive features. One such insurance company is Digit. Let's take a look at some of the advantages of obtaining insurance from Digit.

1. Various Insurance Plans

• Third-party Insurance Policy

This insurance plan offers coverage benefits against third-party damages in case of a collision or an accident. Under third-party insurance for Skoda Kodiaq, one can cover liabilities arising from third-party accidents and litigation issues. Additionally, as per the Motor Vehicles Act, 1988, it is mandatory to possess this policy in order to avoid hefty traffic fines.

• Comprehensive Insurance Policy

A third-party insurance plan does not cover own car damages caused during an accident, theft, fire, natural or man-made disaster. However, a well-rounded, comprehensive Kodiaq insurance policy from Digit can cover financial costs arising from repairing own car damages.

2. Large Network of Cashless Garages

There are several Digit network garages across India from where you can get professional repair services for your Renault car. You can also opt for a cashless facility from one of these garages.

3. Cashless Claims

While filing a claim against your car insurance for Skoda Kodiaq from Digit, you can choose a cashless mode of repair. Under this mode, you need not pay any charges to the Digit-authorised repair centre for repairing your Renault car damages. The insurer will directly settle payment with the garage.

4. A Number of Add-on Policies

A comprehensive Skoda Kodiaq insurance policy might not provide overall coverage. However, Digit gives you the option to include certain add-on covers against additional charges. Some of the add-on policies you can benefit from are:

• Engine and Gearbox Protection Cover
• Zero Depreciation Cover
• Consumable Cover
• Roadside Assistance
• Return to Invoice Cover

Thus, you can choose any of the aforementioned policies for additional coverage by nominally increasing your Skoda Kodiaq insurance price.

5. Simple Online Process

You can opt for Skoda Kodiaq insurance online from Digit owing to its smartphone-enabled processes. Further, you need not submit any hard copy of documents due to the online procedure. You can simply upload them online and save an appreciable amount of time.

6. Easy Claim Process

Digit's claim procedure is convenient and quick due to its smartphone-enabled self-inspection feature. This feature allows you to raise claims effortlessly from your smartphone and repair your Skoda car damages in no time. Further, you can choose a repair mode of your choice and get the claim amount in a hassle-free manner.

7. IDV Customisation

Your Renault Lodgy insurance renewal price depends on the car's Insured Declared Value (IDV). Insurers calculate this value by subtracting the car's depreciation from its manufacturer's selling price. In this regard, Digit allows you to customise the IDV and maximise your benefits.

8. 24x7 Customer Service

If you have doubts regarding your Skoda Kodiaq insurance cost, you can contact Digit's responsive customer service and get instant solutions. They are at your service 24x7 and can help with roadblocks you have during Skoda Kodiaq insurance policy renewal.

Furthermore, you can get several discounts and bonuses on Skoda Kodiaq insurance policy premiums by raising fewer claims within your policy term. Thus, by obtaining insurance from Digit, you can reduce your financial and legal liabilities.

It is always suggested to have car insurance when you own such an expensive and luxurious car. Let’s see how Skoda Kodiaq car insurance can save a lot of your hard-earned money.

Cover Third-party Liability: This is the basic form of  Skoda Kodiaq insurance by law. It covers injuries to other people and damage to others' property and the third party also covers the cost of repairs or a replacement vehicle according to third party demand.

Comprehensive Policy: Comprehensive policy covers both the third party liability and the damages to your car as well. Driving such a big car in the city can be risky, you can get dents and scratches any time. This policy will save your car from all unfortunate damages caused in an accident, riot, vandalism or any natural calamity.

Legally Compliant: It is compulsory to have your Skoda Kodiaq car insurance. It is illegal to drive your car without one. Currently, the penalty for driving without valid car insurance can go up to Rs. 2000 and may also lead to license disqualification. 

Get extra protection with add-ons: You can choose from the various add-ons available like Gearbox protection, break-down assistance, Return to invoice and widen the coverage of your expensive car. 

“Kodiaq”!!! Do you know what does this word mean? Well, to name the beast-like SUV the Czech manufacturer focused on the other side of the planet, an Alaskan island named “Kodiak”. And this island is known for Kodiak Bears, they are the largest bears in the world. The engineers at the Skoda factory used to refer this model as their big bear because it was the biggest in the range. And this car has some characteristics similar to a bear, like protective in nature, a strong sense of family and a high degree of outdoor expertise. Hence the name.

This car comes at a price range of 34-36.79 Lakhs, with three variants named Scout, Style, Laurin Klement. Every trim gets a diesel engine of 1968cc. The petrol version is expected to be launched in 2020.

Why should you buy Skoda Kodiaq?

Style: The front carries a typical Skoda butterfly grille that’s bolder than ever. What makes it look striking? Yes, they are the sharp cuts, creases and the shadow lines. And the eyelash detailing in the LED headlamps is a star. No doubt! it’s a handsome car.

Unique Interior: 8-inch touch screen with android auto and apple car play supported by a satellite map. The beige trim makes the interior look roomy and clean. There is a 10 colour ambient light system that can bump your mood anytime.12 speaker Canton audio system feels luxurious. Front passengers get motorised memory seats. Cool glove boxes and plenty of storage spaces make the long drives convenient.

Comfort ride: Skoda makes it easier for drivers to handle such a huge car. There are parking sensors all around, and a rearview camera too. The handsfree parking assist and a drowsiness sensor are pleasant for a driver. Despite its size, the Kodiaq doesn’t feel too large to drive from behind the wheel.

Safety: The car is rugged from the outside and pretty safe from the inside. For safety features, it gets 9 airbags, ABS with EBD, ESC(Electronic stability control), TSC(Traction control system), MKB(Multi collision Braking that kicks in after a collision to stabilize the car to prevent damages). 

Clever touches: Removable cup storage under the armrest in the centre console that flips to become storage for your phone, a dustbin in the door, the sides of the headrest fold out to support your head and neck and your head will not lol about while taking a nap, a magnetically sticking torch in the boot that can be removed and placed anywhere on the car’s body to support you in adverse conditions like a flat tyre in dark highway. Yes, these are the features that you will not get in any other car.