Skoda Insurance

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  • Access to our 24/7 accident helpline
  • 5 Star Defaqto rated cover 

Skoda Insurance

Like many car companies, Skoda started life as a bicycle brand known as Laurin & Klement in 1895, and by 1899 they moved on to producing motorbikes, with the first 150 of these being exported to London. Laurin & Klement was later acquired by Skoda Works in 1925 until 2000 when it eventually became a subsidiary of the Volkswagen Group (VW).

Skoda’s first run of cars was produced in 1905, with the first model being the Voiturette A. The early success with their first model places Skoda among the oldest automobile manufacturers in the world. Since then, Skoda has grown steadily, having produced vehicles that range from cars to trucks since its peak popularity during post-war era Europe.1

Nowadays Skoda is a household name, producing popular high-end automobiles out of its base in the Czech Republic. 2 The most popular of its current models are Skoda Citigo, Fabia, Superb, and the Yeti. Since the VW Group’s acquisition of Skoda, the brand has shifted drastically more upmarket and have, in some case, eclipsed some of VW signature vehicles, with global sales of 1.13 million cars in 2016.2


What does your Skoda car insurance with esure cover?

The level of cover we offer our customers is the same regardless of the type of car they insure. When you choose esure Comprehensive Insurance you get all these great benefits:

  • Unlimited cover – if any third party dies or is injured by your car, including passengers.
  • Up to £20 million – to cover any damage you do to another person’s property with your car.
  • Defaqto 5 Star rated – quality cover, at a competitive price.
  • Windscreen cover – for repair and replacement, windows are covered too
  • Courtesy car – so you can keep going while your car is being repaired by our recommended repairers
  • Award winning claims service – Consumer Intelligence Awards 2017
  • 5 years guaranteed repair work – when you use our recommended repairers
  • 24/7 Motoring legal advice line – get your motor legal queries answered.
  • Driving other cars – policy holder only, subject to eligibility

Skoda Car Insurance Groups

We insure plenty of Skoda models, so have pulled together a list of the Skoda insurance groups. Of course we can’t mention every Skoda we insure so if your car isn’t on the list, it doesn’t mean to say we won’t insure it. Get a quote today to find out how much you could save.


Skoda Fabia Insurance Groups

The Skoda Fabia has been around since 1999, the Fabia range include hatchback, estate and saloon body types, as well as a few others. The latest hatchback (15 onwards) comes in several trims from the entry level S all the way up to the sporty Monte Carlo – which comes with built-in features such as an electric sunroof and sports seats. Performance and insurance groups do vary–as expected, when you compare across hatchbacks due to differences in engine size and built-in extras.

Moving on to the Fabia Estate–this practical family car has really focused on safety, fitting six airbags across the entire Fabia Estate range. Some even include sophisticated safety technology, such as a driver fatigue warning system. Safety features like these can go in your favour when it comes to buying insurance as the car could appear in a much lower insurance group.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Fabia Hatchback (00 – 07) 1.2 – 2.0 2 – 13
Fabia vRS (03 – 07) 1.9 18
Fabia Estate (01 – 07) 1.2–2.0 2–16
Fabia Saloon (01 – 05) 1.4–1.9 5 - 10
Fabia Estate (08 – 14) 1.2 - 1.9 4 - 16
Fabia vRS (10 – 14) 1.4 27
Fabia Hatchback (07 – 14) 1.2 – 1.9 3 – 16
Fabia Hatchback (15 onwards) 1.0 – 1.4 2 – 13
Fabia Estate (15 onwards) 1.0 – 1.4 3 – 13


Skoda Octavia Insurance Groups

The Skoda Octavia comes in both hatchback and estate, with both styles having five seats and turbocharged engines. There are many different types of hatchback to choose from, depending on what you’re looking for. Some trims feature both petrol and diesel engines, whereas some are diesel only. Depending on the driving you do, be it long distance motorway journeys or short frequent trips, there is a hatchback to meet your needs. Diesel engines do have a bit more power, but tend to appear in higher insurance groups.

The estate much like the hatchback has a mix of petrol and diesel engines, and is spread across a broad range of insurance groups. So, it’s important to choose a trim level that’s right for you as insurance costs are going to vary.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Estate (98 - 05) 1.6 - 2.0 11 - 28
Octavia vRS (01 - 05) 1.8 31
Octavia Hatchback (98 - 05) 1.4 - 2.0 11 - 28
Octavia Hatchback (04 - 12) 1.2 - 2.0 6 - 22
Octavia Scout (07 - 12) 1.8 - 2.0 16 - 20
Octavia vRS (05 - 13) 2.0 29 - 30
Octavia Estate (05 - 13) 1.2 - 2.0 7 - 12
Octavia Scout (14 onwards) 2.0 19 - 25
Octavia Hatchback (13 onwards) 1.0 - 2.0 13 - 29
Octavia vRS (13 onwards) 2.0 26 - 30
Octavia Estate (13 onwards) 1.0 - 2.0 13 - 29


Skoda Citigo Insurance Groups

The Skoda Citigo is a small city car, and with a 1.0-litre engine pot and a 59bhp or 74bhp it’s not the most powerful car around but it works well when navigating through busy city roads. There are several trims to choose from, with sportier options available. Even when choosing a sportier trim insurance groups are very modest, which is good if you’re on a budget, and want a car that isn’t going to break the bank when insuring.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Citigo (12 onwards) 1.0 1 - 4


Skoda Yeti Insurance Groups

The Yeti is Skoda’s small SUV and is considered a crossover vehicle, the engines range between 1.2 to 2.0-litre. As you can guess some engines pack more of a punch than others. The SE Plus trim includes a 2.0-litre diesel engine that can go from 0–60mph in 8.1 seconds– compare this with the E trim’s 1.2-litre petrol engine, which reaches 60mph in a steady climb of 11.4 seconds.

The insurance groups the Yeti falls into reach a maximum of 24, so if you do want to opt for a more powerful engine, you might not pay as much for your insurance as you think.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Yeti (09 onwards) 1.2 - 2.0 9 - 24


Skoda Superb Insurance Groups

The Superb is Skoda’s larger family vehicle and comes in hatchback and estate body types. Entry level trims for the hatchback (15 onwards) have a wide range of engines to choose from starting at 1.4-litre, sportier trims levels rarely go below 2.0-litre. All variations of this hatchback include an Antilock Braking System (ABS) and traction control. Different trim levels such as the SE Business include a Sat Nav, and cruise control as standard. Of course the more technical features a car comes with, could result it in being placed in a higher insurance group to account for more expensive and complex repairs over time.

The Superb Estate, spans across a range of insurance groups, typically starting at 13 and peaking at 34. This is due to the varying engines on offer, with some being considerably more powerful than others.


Please be aware this is a guide only, insurers may group these cars differently.

Model Engine Size Insurance Group
Superb (02 - 08) 1.8 - 2.8 18 - 34
Superb Hatchback (08 - 15) 1.4 - 2.0 13 - 34
Superb Estate (10 - 15) 1.4 - 3.6 13 - 34
Superb Estate (15 onwards) 1.4 - 2.0 12 - 29
Superb Hatchback (15 onwards) 1.4 - 2.0 12 - 29




esure Optional Extras for Skoda car insurance

esure offers a range of Optional Extras to boost your car insurance cover. These include:

Motor Legal Protection icon

Motor Legal Protection (MLP)

Up to £100,000 of cover to help you get back uninsured losses from the at-fault driver. These can include money for lost wages, if you had to take time off work after the accident, or travel expenses while you were without your car. If we think your claim can be successfully pursued in court MLP can pay up to £100,000 towards your legal costs. MLP can also be used to cover your defence up to £100,000 if you’re facing prosecution for a motoring offence.

Breakdown Cover

Breakdown Assistance

We’ve partnered with the RAC, never get stuck on the road again–choose between 4 levels of breakdown cover.

Car Hire

Car Hire Benefit

If your car is a total loss, or stolen and not recovered you might have to wait a while for your claim to be settled–and during that time you won’t have a car. With Car Hire Benefit we’ll pick you up from either your home or work and take you to your hire car, which you could have for up to 21 days while we settle your claim. When your claim is settled, we’ll collect the car within 48 hours.

Personal Injury

Personal Injury Benefit

If you’re injured as an at-fault driver you get minimal cover for your injuries. Personal Injury Benefit increases the amount of cover you get so you’re more protected if you sustain life-changing injuries.

Key Cover

Key Cover

If you lose your car or garage keys, or they are stolen or damaged, our partner the RAC will help you get back on the road again.


Misfuelling Cover

If you put the wrong fuel in your car–providing you don’t turn on the engine, all you have to do is call the RAC and they will arrange to drain the fuel from your engine. esure will reimburse you for the fuel you mistakenly put in your car, providing you have a receipt. Please note: Misfuelling benefit does not cover fully Electric Vehicles.


Would esure insure my Skoda if I were to take it to Europe?

We do offer European car insurance if you wanted to take your Skoda to Europe. If you just use your certificate of insurance as proof you’ll be covered at most to a third party only level. But for a small fee you can match your protection to what you have in the UK. To find the full list of European countries we cover, please visit our European car cover page.


You could save money with esure Multicar

More than one car at home? Get Multicar benefits for you, your partner and anyone else who lives with you if they’re over 25.

  • A Multicar discount on all cars once you have two or more cars insured with us. Nice.
  • Guaranteed quotes - we can guarantee your quote for up to twelve months if your details don’t change
  • Separate policies – if you make a claim on one policy it won’t affect the No Claim Discount on the other. Renewal dates are also kept separate so you can insure your cars at different times.

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esure Car Insurance Reviews


1Skoda. The History of Skoda –over 100 years of getting people from A–B. Available from [Accessed 03 January 2018]

2Reuters. VW’S Skoda Auto boosts 2016 deliveries to record 1.13 million cars. Available from [Accessed 30 November 2017]

3Parkers. PARKERS Insurance Groups. Available from [Accessed 24 November 2017]