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Motor Insurance

Key Features of Motor Insurance By IFFCO- Tokio

Key Features Benefits of IFFCO-Tokio
Savings Save Upto 70% on Premium
Cashless Repairs Available at 4300+ Cashless Garages
Customizable Add-Ons 8 Add-ons available
NCB Benefits Get up to 50% Discount
Easy Claims App-based Claim Settlement within 4 Hours
Claim Settlement Ratio 98.35% Claims Settled*
Claim Assistance 24/7 claim assistance Customer service
Own Damage Cover Available
Damages to Third-Party Available

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Commercial Vehicle Insurance

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Value Auto Coverage

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Benefits of Buying Motor Insurance

Factors Which Determine Your Motor Insurance Premium

How to Reduce Motor Insurance Premium?

How Can You Renew Motor Insurance Online?

How is Motor Insurance Premium Calculated?

How to File Motor Insurance Claim?

FAQs

What does motor insurance cover?

 Own Damage to your vehicle - The policy covers you against any loss or damage caused to your car or it's accessories due to natural and man made calamities as defined in the scope of coverage

(i) Personal Accident Cover - The motor insurance provides you compulsory personal accident cover for individual owners of the vehicle, the personal accident cover is up to Rs. 2 lacs.

You can also opt for a personal accident cover for passengers. Rs.2 Lac is the maximum coverage that can be offered.

Third Party legal liability - The policy covers the vehicle owner's legal liability to pay compensation for:

  • Death or bodily injury to a third party person.

  • Damage to third party property.

Liability is covered for an unlimited amount in respect of death or injury and damage to third party property for Rs.7.5 lacs under Commercial vehicle and private and Rs. 1 lacs for Scooters / Motor Cycles.

 

What is an Insurance Cover Note? How Do They Work?

A cover note is a temporary certificate of insurance issued by the Insurer before the issuance of a policy after the Insured has given a duly filled in proposal form and has paid the premium in full.

A cover note is valid for a period of 60 days from the date of issue of the cover note and the insurer shall issue the Certificate of Insurance before the cover note expires.

 

What is meant by Insured Declared Value (IDV)?

IDV means the Insured's Declared Value. It is the value of the vehicle, which is arrived at by adjusting the current manufacturer's listed selling price of the vehicle with a depreciation percentage as prescribed in the Tariff. For the vehicles that are obsolete and aged over 5 years, the IDV will be the value agreed between the Insurer and the Insured.

Manufacturer's Listed Selling Price = Cost Price + Local Duties/Taxes, excluding Registration and Insurance.

The value of the obsolete vehicles and the vehicles aged over 5 years are arrived by our Assessment Team with the help of various resources like IMAs, Panel of Surveyors, Car Dealers, Second Hand Car dealers, etc.

What is the period for which a Motor policy is issued?

All motor policies are annual policies issued for a period of twelve months. However, extension to a further period less than 12 months can be allowed with the approval of the competent authority, for arriving the renewals of the customer on a common date or for any other reason convenient to the customer. Additional premium needs to be collected for such extensions. Period less than 12 months can be given on a Short Period basis only with the approval of the competent authority.

When do we require a proposal form from customer?

 We require a proposal form in all the following situations:

  • New Business.
  • Other Company renewal.
  • On Transfer of Interest.
  • On conversion of Liability Only cover to Package Policy.
  • Change / Substitution of the vehicle.
  • On alteration/improvement of the vehicle either during the currency of the policy or during the renewal.

 

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Customer Reviews

Car Insurance

If you are looking for an economical car insurance plan, I advise you to go with IFFCO Tokio.

Rated by: Charmi Dedhia

Customer Reviews

Car Insurance

I really thank IFFCO Tokio for helping me with every step of my car insurance claim.

Rated by: Antil Verma

Customer Reviews

Commercial Vehicle Insurance

I wanted to take commercial vehicle insurance for my vehicle and I went through the hassle free process with IFFCO Tokio.

Rated by: Afreen Khan

Customer Reviews

Two-Wheeler Insurance

I am fully satisfied about purchasing my two wheeler insurance from IFFCO Tokio.

Rated by: Chinmay Naik

Customer Reviews

Two-Wheeler Insurance

I am so impressed with the service that IFFCO Tokio provides.

Rated by: Keval Aranha

Overall Rating

4.8/5

3289 Reviews

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