Škoda Car Insurance

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Welcome to Škoda Car Insurance, designed with Škoda drivers in mind. Our comprehensive cover offers the peace of mind you'd expect from Škoda. Managing your account is simple online, allowing you to stay in control.  And if you ever need to make a claim, we're just a phone call away. We're here to support you, every step of your journey.

Škoda Car insurance is arranged, underwritten and administered by Liverpool Victoria Insurance Company Limited (part of Allianz).

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Sometimes the unexpected happens. Our comprehensive cover means you can drive confidently knowing you have insurance you can trust.

So when you select everything you need to cover you and your Škoda, you can focus on the road ahead with confidence.

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Why choose Škoda Car Insurance?

Swipe to reveal some of the great features of an Škoda Car Insurance policy.

For full details, please review your policy documents.

Škoda Approved Repairs

All repairs are carried out by Škoda trained technicians in Škoda authorised repairers, giving you the peace of mind that your Škoda will be repaired to the same high standards as before.

Škoda Genuine Parts

We only use genuine parts and accessories and each one comes with a two-year warranty, excluding wear and tear items.

Courtesy car

We’ll provide a courtesy car while your car is being repaired by a Škoda approved repairer. This comes as an optional feature with our Essentials Car Insurance cover but included in our Plus Car Insurance cover as standard.

Vandalism promise

If you make a claim for damage to your car caused by vandalism, you won’t lose your No Claim Discount with us. The incident must be reported to the police and assigned a crime reference number. You will need to pay the accidental damage excess. This feature is only available with our Plus Car Insurance.

Uninsured driver promise

If you make a claim for an accident that is not your fault and the driver of the other vehicle is not insured, you will not lose your No Claim Discount with us or have to pay any excess. If possible, provide details of the other vehicle, including the registration, make, model, and driver details. This feature is only available with our Plus Car Insurance.

24-hour accident recovery

In the event of an accident you will have access to our 24 hour recovery helpline.

Electric car battery cover

We’ll cover your electric car’s battery, whether it is owned or leased, if it becomes damaged as a result of an insured incident.

Windscreen cover

We’ll pay to replace or repair broken glass in the windscreen, sunroof or windows of your car less any excess that applies.

Personal accident

If you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting in or out of your car, our Plus Car Insurance protects you with £10,000 personal accident cover and £1,000 if you have our Essentials Car insurance.

Electric charging cables cover

Our Plus Car Insurance covers you in the event of accidental damage, fire or theft of your electric charging cables and your home charger. This also covers accidents caused by any electric charging cables when attached to your car. 

Child seat replacement

We’ll cover the cost of replacing any child seat with a new one of the same (or similar) model and standard following theft, accident or fire.

Personal belongings cover

Our Plus Car Insurance covers you up to £300 for personal belongings that are lost or damaged following an accident, fire or theft.

Manage your account online

When you choose Škoda Car Insurance, you will be able to manage your account online.
 

With Škoda Car Insurance you have the commitment of a team who are as passionate about Škoda as you.

Log in and manage your account online

For existing customers that have a policy number starting with a 9, 8 or 4

Škoda Car Insurance policies quoted before 9th July 2025 and have a policy number that begins with a 9, 8 or 4 are provided and underwritten by U K Insurance Limited. You can find out information about your policy (including how to make a claim or make changes to your policy) on the documents that were sent to you, or by clicking here.

Compare cover levels

The table below will help you compare the benefits across Essentials and Plus. Cover levels offered as part of your quote are dependent on vehicle and individual eligibility.

Essentials Car Insurance

This comprehensive cover comes with benefits we think are essential to your peace of mind.
  • Included: Accidental damage - cover for dings, dents and scratches 
  • Included: Damage to windscreen or window glass (including sunroofs and ADAS)
  • Included: Replacement child car seats following theft, accident or fire
  • Included: Unlimited replacement cover for manufacturer filled in-car equipment from when the car was first registered
  • Included: Cover when travelling in Europe (for up to 180 days) - minimum required by law
  • Included: Cover for theft of keys
  • Included: Personal accident cover £1,000
  • Included: For electric vehicles: charging cable liability
  • Not included: For electric vehicles: cover for electric charging cables, charge point, and hire car
  • Not included: Legal expenses*
  • Not included: Guaranteed courtesy car*
  • Not included: Cover for personal belongings
  • Not included: Vandalism Promise and Uninsured Driver Promise
  • Not included: Protected no claim discount (PNCD)*
*Can be added at an additional cost
 
For the full list of benefits included with our Essentials Car Insurance, please refer to your Cover Booklet, found in the policy documents section.

Plus Car Insurance

Our Plus comprehensive cover includes even more benefits, so you can rest assured your Škoda is protected. 
  • Included: Accidental damage - cover for dings, dents and scratches 
  • Included: Damage to windscreen or window glass (including sunroofs and ADAS)
  • Included: Replacement child car seats following theft, accident or fire
  • Included: Unlimited replacement cover for manufacturer filled in-car equipment from when the car was first registered
  • Included: Cover when travelling in Europe (for up to 180 days) - same level as the UK cover
  • Included: Cover for theft of keys
  • Included: Personal accident cover £10,000
  • Included: For electric vehicles: charging cable liability
  • Included: For electric vehicles: cover for electric charging cables, charge point, and hire car
  • Included: Legal expenses up to £100,000
  • Included: Guaranteed courtesy car
  • Included: Cover for personal belongings up to £300
  • Included: Vandalism Promise and Uninsured Driver Promise
  • Not included: Protected no claim discount (PNCD)*
*Can be added at an additional cost
 
For the full list of benefits included with our Plus Car Insurance, please refer to your Cover Booklet, found in the policy documents section.
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Policy documents

If you are an existing Škoda Car Insurance customer, please refer to your confirmation of cover email or letter to find all your policy documents. To download a copy of the Škoda Car Insurance Cover Booklet and any supporting documents, please click on the appropriate link below.

Renew your cover

When it comes to renewing a Škoda Car Insurance policy, we'll contact you in advance of your renewal date with details on what to do.

And at any time, you can login and manage your account online.

If you've not heard from us when you were expecting to, you can of course contact us. 

Škoda Car Insurance is arranged, underwritten and administered by Liverpool Victoria Insurance Company Limited (part of Allianz).

Frequently asked questions

We've put together a list of frequently asked questions and provided all the answers. We hope this gives you quick access to the information you need about your cover. Click the link below to view the full list of questions.

Check out our FAQs