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Car Insurance Policy

What is a Car Insurance?

Car insurance plans offer protection to the vehicle against an accident, theft, natural calamity and other unforeseen circumstances that could incur financial losses. A car insurance policy covers third party liabilities as well.

Key Features of Car Insurance By IFFCO- Tokio

Key Features Benefits of IFFCO-Tokio
Car Insurance Premium Starts at ₹2,094
Saving Save up to 70% on car insurance premiums by buying your policy online
No Claim Bonus (NCB) Benefits Get up to 50% Discount on car insurance premium
Cashless Repairs With a vast network of more than 4300 garages, we offer cashless services for your car repairs, ensuring a hassle-free experience.
Claim Ratio High settlement ratio for car insurance claims
Easy Claims Smartphone based easy claim settlement process
Customizable with Add-ons Up to 10 add-ons to provide additional protection to your four-wheeler
Own Damage (OD) Cover Cover your car against damages from accidents, fire, theft, man-made disasters, and natural disasters
Third-party damages cover Third party injuries & third-party property damages are covered
Personal Accident (PA) Cover Up to ₹15 lakhs
Renew Car Insurance Online Immediate renewal of your car insurance with easy process

What is covered in IFFCO Tokio car insurance?

The coverage in your car insurance policy depends on the type of policy that you have selected. IFFCO Tokio Comprehensive Car Insurance cover the following types of financial liabilities -

Collisions Accidents or Collisions

Covers repair or replacement costs for your car in case of an accident.

Theft Theft

Coverage against losses incurred when your car is stolen.

Natural Disaster Natural Disaster

Damages and losses due to acts of nature such as floods, cyclones, etc.

Fire Fire & Explosion

Damages and losses caused due to an accidental fire.

Personal Accident Personal Accident

Get compensation up to Rs. 15 lakh in case accident leads to death or disability of the owner.

Third-Party Losses Third-Party Losses

Pays for property damages and injuries caused by your car.

Car Insurance Add-ons to Boost Your Coverage

Choose from a range of add-on covers to increase the protection of your plan.

Zero-Depreciation Depreciation Waiver Cover (Zero Depreciation Cover)

This is also known as bumper-to-bumper car insurance cover. With this add-on coverage, you can receive the complete compensation of your car without considering its depreciated value of parts at the time of a claim.

road-side-assistance Roadside Assistance

With this add-on, you can simply call us and we would send mechanical assistance to you. Few coverages include assistance in battery jumpstart, towing facility, flat tyre replacement etc.

cov-accessories Engine and Gear Box Protection cover

With this add-on, you can secure the Engine and Gear Box of your car against Water Ingression or Leakage of Lubricant oil.

Roadside Assistance Consumable Cover

Pays for consumable parts like nut and bolt, grease etc, which aren’t covered in a standard car insurance policy.

cov-manmade Loss of Key Cover

Pays for repair or replacement of car keys, locks if there is a loss of insured car, damage to lock system due to accident, theft or attempted theft. 

tools Tyre Replacement Cover

Pays for the repair or replacement of tyre unfit for use due tyre bursts, bulges, puncture, cuts, accidental damage or even due to continuous use in deflated condition.

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What is not covered in car insurance?

Standard exclusions of a car insurance policy.

collision-icon Drunk Driving or Driving without a valid Driving Licence.
tools General wear & tear or Mechanical/Electrical breakdown.
cov-garages If the vehicle is used outside India.
car Damages caused due to Illegal driving like speed racing, crash testing etc.
cov-warlike-operation Loss/damage due to war or war like situation or nuclear risk.
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Car Insurance

Buy/Renew Car Insurance Policy Online

Leave Your Worries Behind, Buy Car Insurance Online!

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How to File a Claim for your IFFCO Tokio Car Insurance Policy?

You have multiple options to register a claim for your car:

  • QCS  App

  • Telephonic (Call Centre)

  • Online (Website)

Let’s check these steps in detail – 

Register a claim via using the Quick Claim Settlement (QCS) app:

IFFCO Tokio offers Quick and Easy Car Insurance Claim in 3 simple steps!

  1. Intimation - Intimate your claim through our QCS app

  2. Survey - Uploading the required documents and evidence related to the damage caused to your vehicle on the app

  3. Claim Settle - Post-verification, the compensation will be credited to your bank account

Claim Hassle Free

Claim Hassle Free

Claim Hassle Free

Intimate-icon

Intimate

survey-icon

Survey & Verify

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Settle

Register a claim via Call Centre:

You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499. Our customer care executives will guide you with the further procedure.

 

Register a claim via Website:

To make a claim online via IFFCO Tokio website, you will have to log in with your registered Email ID and Password. When you log in, just find the ‘make a claim’ option and follow the steps mentioned.

 

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IFFCO Tokio's Cashless Garage

Get Cashless repairs at 4300+ garages across India

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Reviews of Car Insurance Policy

4.8

star

Our customers have rated us
Based on 1355 reviews

Ravi Venkataraman

double-quotes

Thanks to Iffco Tokio for a great car insurance.

Nisha Shirodkar

double-quotes

I feel secured and covered by the good car insurance.

Abhinav Rao

double-quotes

Perfect!

Behram Contractor

double-quotes

A+!

Lakshmi Nair

double-quotes

Flawless!

Hitesh Patel

double-quotes

Impressed!

View all reviews
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Why do you need Car Insurance in India?

You require car insurance in India for the following two reasons – 

  • 1 It is mandatory by Law.
  • 2 It offers financial help in case of unfortunate events like accident, theft etc.

Types of Car Insurance Policies

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Why IFFCO Tokio Car Insurance Should Be Your First Choice!

  • 1Cashless Repair: 4300+ Garages across the country.
  • 2Smartphone enabled self-inspections : Click the damages on your smartphone for easy claim processing.
  • 3 Super-Fast Claim Settlement: QCS facility to settle claims amount upto 50, 000 within hours.
  • 4Reliable 24x7 Roadside assistance : Included with your car insurance policy to provide support in case of flat tyre, battery jumpstart, Fuel, Towing etc.
  • 524 ★ 7 Support: For seamless claim intimation our team in available 24*7 & even on holidays.
  • 6Trusted Brand: For more than 21 Years, we have been servicing our customers with a wide range of insurance policies.
  • 7High Claim Settlement Ratio : Claim Settlement ration provides hassle free claims experience.
  • 8Wide Network: Our policies can be brought from more than 20,000 agents and branches throughout the country.
  • 9Customized Plan: Customize your car insurance plan via multiple add-ons.
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Factors Affecting Car Insurance Premium

  • Make Model of the car- Make and model determines the car’s value. Luxury, exotic or vintage car attracts high insurance premium than normal cars.
  • Age of the car- If your car is brand new or recently launched, repair cost would be on higher side. So, newer the car, the higher the premium for car insurance.
  • Health of the car- If you haven’t maintained the car in a good health, your car insurance premium may increase.
  • Car Engine Capacity- Your car engine cubic capacity (cc) also affects the car insurance premium amount. Higher the engine cc, higher the premium you need to pay.
  • Fuel Type- Premium of your four-wheeler insurance vary depending on type of fuel. Generally petrol car have lower premium than diesel or electric cars.
  • Value of the car- One of the major factors that affects the car insurance premium is value of the car. If you select higher IDV, your car insurance premium will increase accordingly.
  • Location- The place where you live can also affect your car insurance premium. People living in a safe location pays less premium of their car insurance in comparison to people living in areas prone to theft, accidents etc.
  • Type of Policy- The wider the coverage, the costlier the policy. Third party policy has very limited coverage and has lower premium than comprehensive car insurance policy.
  • Claim History- If person had a history of multiple claims each year, he/she may have to pay higher premium amount in comparison to someone who had less claims in the past.
  • No Claim Bonus- For every claim free year, insurance company provides a discount to car owners as ‘No claim Bonus’. It increases with every claim free year and goes upto 50%.
  • Add-ons- You can enhance your car insurance coverage by including multiple add-ons. However, more add-ons you include, the higher the premium you pay.

Tips to reduce your Car Insurance Premium amount

There are several ways to reduce the cost of your car insurance policy without compromising on the cover it provides. Here are some easy ways to do this:

  • 1 Install security features- Installing security features is a win-win. Not only does it keep your car safe, but it also reduce the risk of your car being stolen. Moreover, reduced risk means lower premiums.
  • 2 Refrain from making small claims- When you do not make claims against your policy, you enjoy a discount called ‘No Claim Bonus’. Keep up a claim-free record and you could enjoy up to 50% discount on your premium. However, make even a single claim and you lose the entire NCB. 
  • 3 Choose right coverage for your car- Choose the coverage for your car insurance appropriately. Choose the selective add-ons, which are necessary and valuable for you and your car.  
  • 4 Select the voluntary deductible- You can increase the voluntary deductible component to reduce the car insurance premium amount.
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Third-party liability Premium Calculation

This is stipulated by the Insurance Regulatory and Development Authority of India (IRDAI), and it is directly proportional to your car’s cubic capacity

Cubic capacity Premium with effect from 1st June 2022 (Rs.)
Not exceeding 1000cc Rs. 2094/-
Exceeding 1000cc but not exceeding 1500cc Rs. 3,416/-
Exceeding 1500cc Rs. 7,897/-
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Buy or Renew Car Insurance Online

Buy or Renew Car Insurance Policy

At IFFCO-Tokio, we want to make buying or renewing car insurance policy smooth & simple - you can now buy or renew your car insurance online easily. The entire process is as easy as buckling your seatbelt – it just takes a few clicks!

You can also get an instant quote in a couple of minutes. All you have to do is fill in a few details about your car and tell us the kind of coverage you want. Based on the information you provide to us, we will put together different coverage options for you to choose from.

If you allow, one of our associates will get in touch with you to help with any doubts or queries that you may have.

 

Benefits of Buying Car Insurance online

You can easily buy car insurance online with just a few clicks and taps. Here are a few benefits of doing so!

  • 1Save Money -Buying your car insurance policy online does not involve any kind of commission to third party dealers. These commission costs are passed to customer in a form of discounted premium rates!
  • 2Save Time -Buying your car insurance policy online does not involve excessive paperwork, documentation, waiting in queue etc. thus saving lot of your time.
  • 3Save Efforts -You can buy four-wheeler insurance online via just filling your vehicle details, select the plan and make the payment! Process is very convenient thus saving your efforts.
  • 4Convenient -When you buy car insurance online, there are no timings restrictions. You can purchase a plan at any hour of the day or night!
  • 5Plan customization -You can choose the add-ons you want, increase or decrease your IDV etc. This allows you to customize your car insurance policy as per your needs.
  • 6Instant Policy Generation -Make the payment and the car insurance document will be emailed to you immediately. Just download it from your mailbox and save/make copies.
  • 7Safe and Secure Process –Process of buying a policy online is very secure and follows the online security protocols to avoid the risk of fraud.
  • 8Advice from Insurance Experts -Our car insurance experts are always happy to answer all your four-wheeler insurance related queries.

Steps to buy Car Insurance policy online

You can buy car insurance plan online with ease in following three steps!

  • 1 Fill out Vehicle Details - Provide some basic information about your car including registration number, make model, claim history etc. Based on these details, our car insurance calculator will provide you an instant quote.
  • 2 Customize your plan-You can select the plan type like third party or comprehensive car insurance, include the add-ons coverage you want like zero depreciation, consumables, engine protector cover, key replacement, tyre cover etc. 
  • 3 Download Policy Document - Once you’ve customized the plan/quotation, you can proceed to buy the car insurance plan. And, once you make the payment, the policy document will be emailed to you. You can download the car insurance policy document in a matter of seconds. 
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Cover Your Car With Best Motor Insurance Add-ons

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Benefits of Renewing Car Insurance Online

  • 1Save Time as you can renew car insurance in few clicks.
  • 2Save Money as you may find multiple discounts.
  • 3Save Efforts as you can renew without any hassle.
  • 4No Paperwork Buy directly through our website.
  • 5Instant Coverage Coverage starts instantly.
  • 6Uninterrupted Coverage

Steps to renew online

  • 1Visit our car insurance renewal webpage.
  • 2Retrieve the policy details by entering the policy number or car registration number.
  • 3We’ll fetch premium details and policy coverage.
  • 4Make the payment online and download the renewed car insurance policy.

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Self Service Options

claim-image

Claim

A convient way to register your claim & track claim status.
service-request-image

Service Request

Make changes to your policy & update your contact details.
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Renewal

Renew your policy online

Car Insurance Terms You Need To Know About

  • 1Premium: It is the amount you have to pay annually to enjoy car insurance coverage.
  • 2Coverage: Coverage refers to the financial protection of your plan. The coverage of a car insurance policy will vary based on the type of plan you purchase.
  • 3Depreciation: Each year the value of your car decreases by a certain fixed percentage. This decrease in value is called depreciation.
  • 4IDV: IDV stands for 'Insurer Declared Value'. It is the listing price of your vehicle minus depreciation. It is the maximum compensation your insurance provider will offer in case of total loss of your vehicle due to accident, theft etc.
  • 5No Claim Bonus: NCB is like a reward for not making a claim. It is a discount on premium offered to you when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year and can goes up to 50% .
  • 6Third party: A third party is a person or a vehicle owner who has been affected by your insured car (other than you or your passengers) is considered a third party in a car insurance claim.
  • 7Own Damage: Any type of damage to insured car of policyholder is known as 'Own Damage'. It can be due to multiple factors like accidents, theft, natural calamities, fire, etc.
  • 8Claim Settlement: One need to notify the car insurance company if the insured car suffers any damage due to theft, accident etc. This notification and subsequent settlement is called 'claim settlement'.
  • 9Cashless Claims: Cost of the damage repairing of your insured car is directly paid to the garage by the insurer is called a 'cashless claim', as the policyholder does not have to handle this expense from their own pocket.
  • 10Fixed Deductibles: This is a fixed amount you need to pay during claim. Values for fixed deductibles is set by the IRDAI (Insurance Regulatory and Development Authority of India) depending on the car engine cubic capacity. Fixed deductible charges are commonly known as file charges or compulsory charges.
  • 11Voluntary Deductible: A voluntary deductible is the share of the claim that is paid by the car insurance policy holder voluntarily from their pocket. If the voluntary deductible is higher, then the car insurance premium will be lower.
  • 12Add-ons: Add-ons are extra layers of financial protection that you can purchase to widen the coverage of your car insurance policy.
  • 13Zero Depreciation: Zero Depreciation Cover is an add-on coverage. With zero depreciation coverage, insured does not have to pay the depreciation amount of damaged parts in case of a claim.
  • 14Consumables: The parts of the car such as the Engine oil, Gearbox oil, Nut & bolts, Grease, Fuel filter, Oil Filters, Lubricants, Power steering oil, AC gas, radiator coolant and more, are called consumables.

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    Email

    Write us at support@iffcotokio.co.in

    Phone

    Call us on 1800-103-5499

    Disclaimer-  *Third party premium for Cars with engines below 1000CC. Per day premium is for indication only. Premium is payable on an annual basis.

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