• Own Damage
• Liability to Third Party
• Personal Accident Cover

Disclaimer: The above mentioned information is only indicative in nature. For details of the coverage and exclusions, please refer to the policy wordings.

You can also opt for the following extensions as part of Private Car Package Policy:

• Loss of accessories, Legal liability to paid driver, cleaner or any workman Personal Accident Cover for the occupants

• Loss due to wear and tear. Any loss occurring due to normal wear and tear of the vehicle will not be eligible for a claim. Similarly, any form of mechanical or electrical breakdown, failure of chassis, or body parts, or breakage due to rusting or other weather conditions will not be considered for a claim.
• Damage to tyres, electrical equipment or electronics. Tyres are going to wear out with constant use over time. As a result, they will not be eligible for any claim. Similarly, electrical equipment in the car can get damaged due to severe weather conditions, short-circuit, or infestation of rodents. Such damage will not be compensated.
• Damage incurred if the insured is driving under the influence of alcohol. No insurer will offer cover for damages caused to the car due to an accident, where the person is driving under the influence of alcohol or any other intoxicating substance.
• Any injury or property damage caused intentionally If the insured person has intentionally caused damage to a person or property, then he will not get any form of reimbursement under a car insurance plan. Similarly, it will not cover damage caused to the insured’s property.
• Damage incurred due to war and other perils Any loss caused to vehicle due to war, bio-chemical attack, or fire due to nuclear explosion and related events will not qualify for a claim.
• Damage due to racing Any kind of collision damage or property damage caused due to organized racing will not be cover under a car insurance policy. Similarly, it will offer limited cover or no cover at all for damages incurred if the vehicle is used in sharing programs.
• Driving without a valid driving license As mentioned in the example before, if someone is driving without a valid driving license and the car meets with an accident then the claims will not be reimbursed.
• Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area;
• Claim arising out of any contractual liability;
• Any accidental loss damage and/or liability caused sustained or incurred whilst the vehicle insured herein is being used otherwise than in accordance with the 'Limitations as to Use' or being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver's Clause.
• Any accidental loss or damage to any property whatsoever or any loss or expense whatsoever resulting or arising there from or any consequential loss
• Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.
• Any accidental loss damage and/or liability directly or indirectly or proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with war, invasion, the act of foreign enemies, hostilities or warlike operations (whether before or after declaration of war) civil war, mutiny rebellion, military or usurped power or by any direct or indirect consequence of any of the said occurrences and in the event of any claim hereunder the insured shall prove that the accidental loss damage and/or liability arose independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of the said occurrences or any consequences thereof and in default of such proof, the Company shall not be liable to make any payment in respect of such a claim.

Discounts are available under Private Car Package Policy for:

• Claims Free Experience
• Opting Voluntary Excess
• Membership with Approved Automobile Associations
• Installing approved Anti-Theft Devices

You can also opt for the following extensions as part of Private Car Package Policy:

• Claims under the Skoda insurance policy are to be intimated with respective ŠKODA Insurance partners either in writing or on toll free nos.
• Customers to provide policy number details for registering claims.
• Claims settled by our insurance partners with dealer as per the terms and conditions of the Skoda insurance policy