Škoda car insurance
Škoda car insurance is available exclusively to Škoda owners. You can take out the policy online or through a Škoda dealer. Volkswagen Pon Financial Services (VWPFS) arranges the policy, while Allianz is the insurer.
Compare car insuranceAbout Škoda car insurance
Škoda car insurance combines manufacturer-approved repairs with the convenience of a brand-specific policy. If your car needs to be repaired after a covered claim, the work is carried out by authorised Škoda dealers using original Škoda parts and the manufacturer’s repair methods.
You can choose between three levels of cover: third-party liability (WA), third-party liability + limited cover (WA beperkt casco) and third-party liability + comprehensive cover (WA volledig casco / all risk). Depending on the cover you choose, you can also add extras such as breakdown assistance, legal assistance for motor vehicles, replacement transport and an extended new value or purchase value guarantee.
The policy is arranged by Volkswagen Pon Financial Services (VWPFS), with Allianz acting as the insurer. Volkswagen Pon Financial Services is supervised by the Dutch Authority for the Financial Markets (AFM), while De Nederlandsche Bank (DNB) oversees the financial stability of insurers in the Netherlands.
Pros and cons of Škoda car insurance
Here’s a balanced look at what Škoda car insurance does well, and where it comes up short:
Is Škoda car insurance available in English?
Škoda car insurance is primarily offered in Dutch. The website, application process and policy documents don’t currently have an English-language version, and you’ll normally need to manage your policy in Dutch. While some customer service agents may be able to help in English over the phone, this isn’t something Škoda Financial Services guarantees on their website.
Do I need to be a Dutch resident to take out this policy?
In most cases, yes. You’ll need a Dutch address and a car registered in the Netherlands with a Dutch licence plate. Your postcode is one of the factors used to calculate your premium, so you’ll normally need to be a resident in the Netherlands when you apply. If you’ve recently moved here, you can arrange cover once your Dutch address and vehicle registration are in place.
Broad cover at a higher price
“Škoda car insurance covers a lot. Repairs carried out by authorised Škoda dealers using genuine parts, a purchase value guarantee that runs up to five years, replacement transport built in as standard. It’s a wide range of cover, but that comes at a price. Expect to pay more here than you would with some other insurers.”
Jean-Paul Würsten,
Car insurance expert
Premiums table Škoda car insurance 2026
Here’s what an average driver profile pays for Škoda car insurance, based on a Škoda Karoq from 2018.
| Premium* | Type of cover |
|---|---|
| € 53,51 | Third-party liability (WA) |
| € 55,79 | Third-party liability + limited cover (WA beperkt casco) |
| € 72,76 | Third-party liability + comprehensive cover (WA volledig casco / all risk) |
*These monthly premiums are based on car insurance for a Škoda Karoq (2018) for a 54-year-old driver from Amersfoort. The driver covers 10,000 kilometres per year and has five claim-free years. Source: Autoverzekering.nl premium comparison tool. Latest update: 1-10-2026
Calculate your Škoda insurance premium
The cost of your Škoda car insurance depends on a range of factors, including:
- your age and driving experience
- your postcode
- your Škoda model and its age
- your number of claim-free years
- your expected annual mileage
- the level of cover and any optional extras you choose
Curious how much Škoda car insurance would cost for your situation? Enter your details in our comparison tool to see your personal premium and compare Škoda with other insurers on price, cover and policy features.
Basic cover with Škoda car insurance
| What is covered? | Third-party liability | Third-party liability + limited cover | Third-party liability + comprehensive cover |
|---|---|---|---|
| Damage to other people or their property | ✓ | ✓ | ✓ |
| Theft or burglary | ✕ | ✓ | ✓ |
| Windscreen damage | ✕ | ✓ | ✓ |
| Storm or fire damage | ✕ | ✓ | ✓ |
| Damage caused by yourself | ✕ | ✕ | ✓ |
| Vandalism | ✕ | ✕ | ✓ |
Additional coverage options
You can extend your Škoda car insurance with several optional extras:
- No-claims protector
One claim does not necessarily mean an immediate reduction in your no-claims discount. With this add-on, your discount stays the same after one claim during an insurance year. Your claim-free years are still reduced, so the impact may become noticeable if you switch insurers later.
- Extended new value guarantee
If your Škoda is stolen or declared a total loss, this option extends the period during which you’ll receive the full new value of your car. The standard one-year guarantee can be extended to three or five years.
- Extended accessory cover
Factory-fitted accessories are covered up to € 3,500 as standard. If you’ve added more valuable accessories, you can increase the cover to € 5,000.
- Motor legal protection
Disputes after an accident or over liability can be difficult to resolve on your own. This cover gives you access to legal assistance for a wide range of traffic-related disputes.
- Passenger insurance
An accident can leave you with more than just damage to your car. This cover provides compensation for injuries, damaged belongings and other financial losses suffered by the driver and passengers, regardless of who caused the accident.
- Breakdown assistance
Whether you’re close to home or travelling through Europe, help is available if your car breaks down. Whenever possible, repairs are carried out on the spot. If that’s not possible, your car is taken to a repair shop and replacement transport is arranged where your policy provides for it.
Claim-free years at Škoda
The longer you drive without making a claim, the lower your premium will usually be. Every claim-free insurance year earns you one claim-free year (schadevrij jaar), which helps increase your no-claims discount over time.
When your policy ends, your final number of claim-free years is registered in Roy-data, the national database shared by Dutch insurers. That way, your next insurer can retrieve them automatically and apply the corresponding no-claims discount if you switch.
Making a claim that can’t be recovered from another party usually costs you five claim-free years. As a result, you may move down the no-claims bonus ladder and pay a higher premium.
The no-claims bonus ladder
Most Dutch insurers use a no-claims bonus ladder (bonus-malusladder) to calculate your discount, but the number of steps and discounts vary from one insurer to another. Škoda uses a 20-step ladder. Drivers without any claim-free years start at step 1 with a 25% surcharge. As you build up claim-free years, you move up the ladder and receive a higher discount. The maximum discount of 80% is reached at step 19.
Second car scheme at Škoda
Buying a second Škoda? With Škoda’s second car scheme (tweede autoregeling) you may be able to use the no-claims discount from your first car for your second car too, even if this car doesn’t have any claim-free years yet. The second car scheme is available for you or your partner living at the same address. Each car builds up its own claim-free years independently.
Conditions second car scheme at Škoda
The second car scheme is subject to a few conditions. Here’s how it works:
| Terms | Škoda |
|---|---|
| Type of second car scheme | Nearly full |
| What discount do you receive? | No-claims bonus |
| Maximum discount | 75% |
| Same discount as your first car | Yes |
| Second driver can build up claim-free years | Yes |
| All cars must be registered to one name | No |
| Cars must be registered at the same address | Yes |
| Policyholder or partner is a regular driver | Yes |
| Children living at home are eligible for the scheme | No |
What Autoverzekering.nl does for you vs. what Škoda does
Compare Škoda car insurance
The easiest way to see whether Škoda car insurance is right for you is to compare it with other insurers. Enter your details once to see your personal premium, compare cover and explore the policy features side by side.
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Filing a claim with Škoda
Need to report damage? Contact the claims team by phone. If your policy number starts with 0007, call 088 577 20 30. For all other policy numbers, call 088 668 08 90.
Glass damage is handled separately. Simply call 0800 023 00 24 to arrange the repair. Covered repairs are carried out by an authorised Škoda dealer using original Škoda parts. Check your policy conditions for details on your excess, replacement transport and any reimbursement.
Cancelling your Škoda car insurance
You can cancel your Škoda car insurance at any time with one month’s notice. If you’ve sold your car, you can end your policy immediately without a notice period.
To cancel your policy, email skodaverzekering@allianz.nl or contact customer service by phone if you’d prefer to speak to someone first.
Contact details Škoda
Accident or breakdown:
020 561 8908 (within the Netherlands), +31 (20) 561 8908 (from abroad)
Reporting a claim:
033 479 4960, or online through the “report car damage” form
Glass damage (Dealerglass):
088 376 78 95
General questions:
033 479 17 25
skodaverzekering@allianz.nl
