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Motor Insurance

  • Car Insurance
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  • Taxi/Cab Insurance
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  • Roadside Assistance
    Roadside Assistance

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    Cashless Garages
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    Cashless Garages

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    4 Hour

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    Rat bite coverage

    Car Insurance

    Car Insurance Policy

    Car insurance, also known as auto or motor insurance, is a financial safety net that protects you and your vehicle from unexpected events like accidents, theft, fire, and natural or man-made disasters. It also safeguards you from third-party liabilities.

    In India, having at least third-party car insurance is mandatory. This basic coverage protects you from financial responsibility for damages to others' property or injuries caused by your car. 

    For more extensive protection, you can opt for Comprehensive Car Insurance, which covers both third-party damages and any damage to your own vehicle.

    Buy a Policy Renew Policy

    Some Amazing Features of IFFCO-TOKIO Car Insurance

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    Cashless Repair:

    4300+ Garages across the country for a seamless experience.

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    Super-Fast Claim Settlement:

    QCS facility to settle claims amount up to 50, 000 within hours.

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    24 ★ 7 Support:

    Our team in available for assisting you even on holidays.

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    High Claim Settlement Ratio:

    Claim Settlement ration provides hassle free claims experience.

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    Customized Plan:

    Customize and enhance your car insurance plan via multiple add-ons.

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    Self-inspection feature:

    Using your smartphone, add proof of damage for easy claim processing.

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    Roadside assistance:

    Reliable support available in case of flat tyre, battery jumpstart, fuel, towing etc.

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    Trusted Brand:

    Happily serving our customers for more than 23 years with reliable insurance solutions.

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    Wide Network:

    Our policies can be brought from more than 20,000 agents and branches throughout the country.

    Inclusions: Coverage Offered by Our Car Insurance Policy

    The coverage of your policy depends on the type of car insurance policy you choose. With IFFCO-TOKIO comprehensive car insurance plan, you get covered against-

    Accidents or 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 & Explosion

    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.

    Add-ons: Boost Your Car Insurance Coverage

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

    Depreciation Waiver Cover (Zero Depreciation Cover)

    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.

    Roadside 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.

    Engine and Gear Box Protection cover

    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.

    Consumable Cover

    Consumable Cover

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

    Loss of Key Cover

    Loss of Key Cover

    In the event of an accident, theft, or attempted theft, get covered for expenses occurring due to the repair or replacement of car keys.

    Tyre Replacement Cover

    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.

    Exclusions: What is Not Covered Under the Car Insurance Policy

    • cancelSubstance use:  If you get into an accident because of alcoholism or drugs, such events will not be covered under your car insurance plan.
    • cancel Driving outside India:  If you are driving outside the Indian region and any mishap occurs, that loss or damage will not be covered.
    • cancel Illegal Driving:  Driving without a valid Driving License or indulging in speed racing, crash testing, etc., is not covered.
    • cancel Wear and tear:  Normal wear and tear that occurs with time is not covered.
    • cancel War:  Any damage caused to your car due to war, nuclear risk, or civil war-like situations will not be covered under your car insurance plan.

    Why Choose IFFCO-TOKIO Car Insurance?

    Few reasons for choosing IFFCO-TOKIO as your car insurance partner-

    Quick quotes

    Quick quotes

    Simple process

    Simple process

    Instant policy issuance

    Instant policy issuance

    Secure Payments

    Secure Payments

    Customizable plans

    Customizable plans

    24/7 online support

    24/7 online support

    Cashless garages

    Cashless garages
    Buy a Policy Renew a Policy

    Review and Rating of Our Car Insurance Policy

    4.9

    star

    Our customers have rated us
    Based on 2305 reviews

    Soumya Malakar

    double-quotes

    Valuable and very prompt roadside assistance service.

    Rekha Ranganathan

    double-quotes

    No long wait times-queries resolved instantly.

    Sanjay Dubey

    double-quotes

    No need to visit the branch as everything is online.

    Meenakshi Venkataraman

    double-quotes

    App notifications, SMS and email alerts keep me updated on policy status.

    Ujjwal Ray

    double-quotes

    Offers No Claim Bonus (NCB), helping save money on renewal.

    Ramesh Sahni

    double-quotes

    Comprehensive policy with add-ons like zero depreciation.

    View all reviews

    How to File a Claim for your IFFCO-TOKIO Car Insurance Policy

    Claim filing options

    You have multiple options to register a claim for your Car Insurance:

    • QCS - (Mobile App) 

    • Call Centre

    • Website

    • Walk-in

    • SMS

    • Email

     

    Let’s check these steps in detail – 

    • QCS App: You can submit claims under ₹50,000 through QCS, or Quick Claim Settlement on our mobile app. Upload the required documents on the app, and once approved, your claim will be settled quickly.

    • Call Centre: You reach out to our customer care executives on 1800-103-5499 or 0124- 4285499 and they will assist you with the claim registration procedure.

    • Website: Log in to our website with your registered Email ID and password. Click on the ‘make a claim’ option and follow the steps mentioned to file a claim online.

    • Walk-In:  If you wish to discuss regarding your claim in person, visit your policy issuing branch Mon–Fri from 9:30 AM to 6:00 PM (excluding national holidays). Learn more about our branch locations with our Branch Locator.

    • SMS:  SMS “CLAIM” to 56161 and one of our Claims representatives will get in touch with you in 4 Working Hours to guide you with the further process.

    • Note: Please have all the details ready regarding Loss description, Cause, Workshop/Hospital details, etc. at the time of the call.

    • Email:  Email us at "support@iffcotokio.co.in" with your policy and mobile number, and our support staff will get in touch with you to initiate the claim process.

    How to Raise a Cashless Claim for Car Insurance

    Get cashless claim settlement at one of our network garages. The cashless claim process involves three simple steps :

     

    • Intimate - Intimate your claim by any of the method suggested above.

    • Survey - Upload documents & photographs of the damage caused to your car.

    • Claim Settlement - Claim settlement directly with you or network garage.

    Claim Hassle Free

    Claim Hassle Free

    Claim Hassle Free

    Intimate-icon

    Intimate

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    Survey & Verify

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    Settle

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    IFFCO-TOKIO's Cashless Garage

    Get Cashless repairs at 4300+ garages across India

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    Documents Needed for Filing Car Insurance Claims

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    You will mostly need-

    • Car Insurance Policy

    • Car Registration certificate (RC)

    • Driving License (DL)

    • Valid ID of policy holder

    • Any other documents that we may require for your claim adjudication

    How To Make A Successful Claim?

    As your insurance partner, we are here to provide you with the best solutions to your problems. Our team at IFFCO-TOKIO is dedicated to assisting and guiding you through your car insurance journey with us. Your car insurance policy covers you and your four-wheeler against natural perils, manmade disasters, thefts, fire, accidents, and third-party liabilities.

    Your car is financially protected from unprecedented risks, but there are certain circumstances, apart from the exclusion of your car insurance policy, that might result in the rejection of the claim.

     

    •  
    • Driving your car without a valid driving license

    • Delay in claim intimation

    • Driving your car while under the influence of alcohol or drugs

    • Lapsed policy

    • Modification of car without informing your insurer

    • Getting car repaired before informing your insurer

    Note: It is advisable to clarify your doubts before finalizing your car insurance policy to avoid any hassles in the future.

    Car Insurance Terms You Need To Know About

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    Premium:

    It is the amount you have to pay annually to enjoy car insurance coverage.

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    Coverage:

    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.

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    Depreciation:

    Each year the value of your car decreases by a certain fixed percentage. This decrease in value is called depreciation.

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    IDV:

    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.

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    No 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% .

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    Third 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.

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    Own 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.

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    Claim 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'.

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    Cashless 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.

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    Fixed 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.

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    Voluntary 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.

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    Add-ons:

    Add-ons are extra layers of financial protection that you can purchase to widen the coverage of your car insurance policy.

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    Zero 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.

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    Consumables:

    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.

    Why Car Insurance is Important and Why You Need It?

    With a car insurance plan, you can safeguard yourself financially against unexpected events. However, the extent of coverage is usually dependent on the type of insurance policy you choose for your car. The following are some of the benefits of choosing the right car insurance plan:

    Car insurance benefits

    For Your Car:

    • Coverage for Third-Party Liabilities

    Your car insurance policy will protect you from liabilities that may cause damage, injury, or damage to the property of a third party.

    • Legally Mandatory

    It is a legal obligation to have a valid car insurance policy to drive your car in India.

    • Choice of Add-ons

    You have the option to boost the coverage of your car insurance plan with up to 10 add-ons to choose from.

    Importance of car insurance

    For You:

    • Financial Protection

    You get coverage for your four-wheeler against expenses that may occur due to accidents, thefts, fire, or natural or manmade calamities.

    • Avoid Hefty Fines

    With a car insurance plan in place, you can avoid paying hefty fines and drive your car without any worries.

    • Peace of Mind

    By securing your car both legally and financially, you can enjoy driving your four-wheeler hassle-free.

    Car Insurance Policy from IFFCO-TOKIO

    Car Insurance Policy

    Car insurance is a crucial investment that provides financial protection for both you and your vehicle. It's a contract between you and an insurance company where, in exchange for regular payments, the company covers potential losses due to accidents, theft, or damage caused by unexpected events. This ensures peace of mind and helps safeguard your finances.

    IFFCO-TOKIO: Your Trusted Insurance Partner

    IFFCO-TOKIO is a leading insurance provider in India, offering a range of car insurance policies designed to meet your specific needs. Our comprehensive coverage includes protection against:

    • Accidents

    • Theft

    • Natural disasters

    • Third-party liabilities

    Additional Benefits: We also provide optional add-ons to enhance your coverage, such as:

    • Roadside assistance

    • Zero depreciation cover

    Choose the Right Plan: Our car insurance policies are tailored to fit your lifestyle and budget. Whether you opt for third-party or comprehensive coverage, you can drive with confidence knowing that your vehicle is protected.

    At IFFCO-TOKIO, your safety is our priority. We're committed to providing reliable car insurance solutions that give you peace of mind on the road.

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    Car Insurance by IFFCO-TOKIO - A Quick Look

    Key Features

    Benefits of IFFCO-TOKIO

    Car Insurance Premium 

    Starts at ₹2094

    Saving

    Up to 70% savings with online purchase

    No Claim Bonus (NCB) Benefits

    Up to 50% discount 

    Cashless Repairs

    4300+ cashless garages

    Claim Ratio

    High settlement ratio

    Easy Claims

    Submit claims via QCS app

    Add-ons

    Enhanced protection with up to add-ons

    Own Damage Cover

    Available

    Third-party Damage cover

    Available

    Personal Accident Cover

    Up to ₹15 lakhs

    Quick Renewal

    Immediate and easy renewal process

    Types of Car Insurance Policies

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    Comprehensive car insurance policy

    A comprehensive car insurance plan offers coverage for personal damage and damage to a third-party vehicle or property. It is a one-stop solution, providing complete protection for your car.

    Features

    • Accident coverage

    • Fire coverage

    • Natural Calamities coverage

    • Up to 50% no claim bonus

    • Personal Accident Cover

    • Theft coverage

    • Third party liability cover

    Policy Highlights

    • Complete coverage (own damage plus third-party liability)

    • Choice of add-ons

    • Customization of car value (IDV)

    • Quick claim settlement

    • Cashless claims

     

    More Details about Comprehensive Car Insurance Policy

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    Third-Party Car Insurance Policy

    This policy covers damages caused by your car to a third-party person or their property. Third-party car insurance is mandatory by law.

    Features

    • Personal Accident cover

    • Coverage for third-party injury

    • Coverage for third-party property damage

    Policy Highlights

    • Mandatory by law

    • Only third-party liabilities covered

    • No coverage for own damage

    • No hefty fines levied if valid policy in place

     

    More Details about Third-Party Car Insurance

    Difference between Comprehensive Car Insurance & Third Party Car Insurance

    While both car insurance plans offer financial protection for your car, the extent of coverage makes all the difference.

    Comprehensive Car Insurance:

     This is a bundle policy that covers your vehicle as well as damage or loss caused to third-party property or individual. You get covered for own damage and third-party liabilities under one umbrella.

     

    Third-Party Car Insurance:

     A straightforward insurance policy that covers third-party liabilities only. This is a mandatory insurance plan that you must purchase to legally drive your car in India. However, any damage caused to your own vehicle will not be covered.

     

    Here’s a summary of the key differences-

     

    80% CUSTOMERS CHOOSE THIS

     
    Coverage under Car Insurance Comprehensive Car Insurance Third Party Car Insurance
    Accident Cover check-img check-img
    Theft Cover check-img check-img
    Natural Calamities Cover check-img check-img
    No Claim Bonus upto 50% check-img check-img
    Choice of add-ons check-img check-img
    Customization of car value check-img check-img
    Cashless Claims check-img check-img
    Quick Claim Settlement check-img check-img
    Personal accident cover check-img check-img
    Damage to third party property check-img check-img
    Injury to a third party person check-img check-img
    No hefty fines levied if valid policy in place check-img check-img

    Factors to Consider Before Purchasing a Car Insurance

    To make a wise decision, consider the following factors before purchasing a car insurance policy:

    • car-details
      Car Details:

      Car’s IDV – Insured Declared Value (IDV) is the current market value of your car. The higher the IDV, the higher  the premium you pay for car insurance.

      Make and Model: High-end and luxury cars tend to have a higher insurance premium as compared to normal cars.

      Fuel Type: Petrol cars have a lower car insurance premium in comparison to diesel and electric cars.

      Age and health of the car: New cars or recently launched models may have higher repair costs, which results in a higher premium on car insurance.

    • coverage-details
      Coverage Details:

      Policy type: The coverage of your car insurance plan majorly determines the premium payable. Although third-party car insurance is mandatory by law, it offers limited coverage, so the premium is lower. On the other hand, a comprehensive insurance plan for your car has wider coverage, and hence, the premium is also higher.

      Add-ons: You can boost the coverage of your standard car insurance plan with add-ons, but you need to pay a higher premium for the enhanced car insurance plan.

    • driving-habits
      Driving Habits:

      Usage type: Choose the policy based on your car usage. If you drive your car regularly, then you must consider a car insurance plan that offers wider coverage.

      Location: Driving in urban areas with dense traffic results in a higher premium for car insurance.

    • insurance-partner
      Insurance Partner:

      Network Garages: Opt for an insurer that has a good network of cashless garages.

      Claim Settlement Ratio: A higher claim settlement ratio means that your insurer settles the claims faster.

      Reputation: Verify the goodwill of your insurance partner based on customer reviews and the swiftness of the claim settlement procedure.

    How to Buy or Renew Car Insurance?

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    To buy or renew bike insurance, you've got two choices.

    • Traditional Method

    • Online Method

    Traditional Method : You can visit a nearby IFFCO-TOKIO branch and have a one-to-one conversation with our agents to discuss the policy features and choose the plan that matches your car insurance needs and fits your budget well.

    Online Method : With IFFCO-TOKIO, purchasing a car insurance plan online is quick and simple. Get instant, quick quotes by entering your car details, preferred coverage type, and submitting your response. Based on your details, we will put together the best options for you to choose from in the comfort of your home.

    Buy a Policy Renew a Policy

    Benefits of Buying or Renewing 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!

    Save Money

    Save Money

    When you purchase or renew a car insurance plan from the IFFCO-TOKIO website, you can enjoy discounted premium rates instead of paying commissions to third-party dealers.

    Save Time

    Save Time

    With less documentation and no waiting in line, purchasing a car insurance policy online saves you time.

    Save Efforts

    Save Efforts

    Purchasing a four-wheeler online saves your effort, as you just have to fill out the vehicle details, select the plan, and make the payment.

    Convenient

    Convenient

    When you buy car insurance online, there are no timing restrictions. You can purchase a plan at any hour of the day or night!

    Plan customization

    Plan customization

    You have the freedom to customize your car insurance policy by choosing the add-ons you want, increasing or decreasing your IDV, etc.

    Instant Policy Generation

    Instant Policy Generation

    Get your car insurance policy documents emailed to you instantly once you have successfully made the payment online.

    Safe and Secure Process

    Safe and Secure Process

    The process of buying a policy online is very secure and follows online security protocols to avoid the risk of fraud.

    Advice from Insurance Experts

    Advice from Insurance Experts

    Our car insurance experts are always happy and eager to answer all your four-wheeler insurance-related queries.

    No Paperwork

    No Paperwork

    When you buy or renew the policy online, you don’t have to indulge in any kind of paperwork.

    24*7 availability

    24*7 availability

    You can buy or renew your car insurance policy anytime and from anywhere without worrying about business hours.

    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. 

    Renew Your Car Insurance Policy

    Make sure to timely renew your car insurance policy to legally drive your four-wheeler in India. This can be done via two methods-

    Renew your car insurance at an IFFCO-TOKIO branch in just 3 steps:
    • Bring in the policy documents

    • An agent will assist you with documentation.

    • Relax, they'll handle the rest!

    The renewed policy will arrive by mail shortly.

     

    Fasten the process and renew your policy online in minutes!
    • Fill the vehicle and policy number

    • Our system will auto-fetch the details of your policy

    • Verify the details and make payment 

    Your renewed policy will be emailed to you instantly.

    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.

    Invalid vehicle registration no.

    Enter valid policy number

    Invalid Mobile No.

    Car Insurance Price Calculation for Different Four Wheelers

    Premium of Car Insurance consists of two main parameters. These are -

    • 1 Third Party Liability Premium

      This car insurance policy fulfils the legal requirement in India. Any loss or damage caused by your four-wheeler to third-party person or property is covered under this plan.

    • 2 Own Damage Premium (OD)

      This is an optional cover that covers your four-wheeler against accident, fire, theft, or other perils, helping you cover financial burden.

    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/-

    Own Damage Car Insurance Premium Calculation

    The standalone Own Damage (OD) car insurance premium depends on factors like the car's make, model, location, age, and more. But at IFFCO-TOKIO, our car insurance calculator makes it easy. Just enter your registration number, and it gives you the exact OD premium for your car without all the extra hassle.

    Simple steps to calculate own damage (OD) car insurance premium are –

    • 1 Enter Car Registration Number : Type in your car's registration number.
    • 2 Retrieve Details : The calculator gets your car's make, model, and manufacturing year using the registration number.
    • 3 Generate Premium : The calculator automatically calculates the Own Damage premium based on your car's specific information.

    Tips to Reduce the Premium on Your Car Insurance Policy

    Wondering how you can save on the premium of your car insurance? Have a look at the following tips:

    • 1 Car type - The features of your car, like engine capacity, fuel type, IDV, make and model, etc., influence the cost of the car insurance premium. Consider these factors and decide your coverage type accordingly.
    • 2 Maintain your NCB: Avoid making petty claims for your car and try to maintain a good NCB score. The greater the number of claim-free years, the higher the NCB discount.
    • 3 Choose coverage wisely: Opt for a plan that aligns well with your car insurance needs. Be selective with the add-ons and refrain from impulsive buying to save on your car insurance premium.
    • 4 Increase Voluntary Deductible: Choosing a higher voluntary deductible might cost you more out of pocket but can help you save considerably on your car insurance premium.
    • 5 Install anti-theft devices: Equipping your car with robust security devices enhances the safety of your car while lowering the risk of theft. As the risk reduces, you can avail of a of a lower premium benefit.
    • 6 Timely renewal: Renewing your car insurance policy on time ensures uninterrupted coverage of your car along with maintaining NCB benefits.

    How to Calculate Insurance Premium of Brand New Car

    Car Insurance Policy

    With the help of a car insurance premium calculator, you can get an estimate of the insurance premium for your new four-wheeler. To use the calculator, you need to input the following details:

    • Car manufacturer’s name

    • Year of Manufacturing

    • Model & Variant    

    • Fuel type

    • Invoice Value

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    Self Service Options

    claim-image

    Claim

    A convient way to register your claim & track claim status.

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    Service Request

    Make changes to your policy & update your contact details.

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    Renewal

    Renew your policy online

    Downloads

    Download Forms

    • Motor Add-ons for Private Car
    • Motor Claim Form
    • Motor Proposal Form for Private Car or Two Wheeler
    • Private Car Policy Wording
    • Pay as you Use- Prospectus Pay as You Use for Bundled cover for Private Car
    • Pay as you Use- Schedule Bundled cover with 1 year term OD and 3 year TP Pvt Car
    • Pay as you Use- Prospectus Pay as You Use for Private Car Act & Comprehensive
    • Pay as you Use- Schedule Private Car Act & Comprehensive Policies
    • Pay as you Use- Prospectus Pay as You Use for Stand-Alone Motor OD Private Car
    • Pay as you Use- Schedule Stand Alone Motor Own Damage for Private Car
    • RIM Protection Cover- Prospectus Bundled cover with 1 year term OD and 3 year TP Pvt Car
    • RIM Protection Cover- Schedule Bundled cover with 1 year term OD and 3 year TP Pvt Car
    • RIM Protection Cover- Prospectus for Private Car Act & Comprehensive Policies
    • RIM Protection Cover- Schedule for Private Car Act & Comprehensive Policies
    • RIM Protection Cover- Prospectus for Stand Alone Motor Own Damage for Private Car
    • RIM Protection Cover- Schedule Stand Alone Motor Own Damage for Private Car
    • EMI Protection- Prospectus for Bundled cover with 1 year term OD and 3 year TP (Pvt Car)
    • EMI Protection- Schedule for Bundled cover with 1 year term OD and 3 year TP (Pvt Car)
    • EMI Protection- Prospectus for Private Car Act & Comprehensive Policies
    • EMI Protection- Schedule for Private Car Act & Comprehensive Policies
    • EMI Protection- Prospectus for Stand Alone Motor Own Damage for Private Car
    • EMI Protection- Schedule for Stand-Alone Motor Own Damage for Private Car
    • Battery Cover- Schedule for Bundled Cover with 1 year term OD and 3 year TP(Pvt Car)
    • Battery Cover- Schedule for Private Car Act & Comprehensive Policies
    • Battery Cover- Schedule for Stand-Alone Motor Own Damage for Private Car

    FAQ of Car Insurance Policy

    What kinds of car insurance coverage exist?

    Car insurance coverage are primarily categorized in two kinds -   

    Mandatory Coverage 

    Optional Coverage

    Mandatory Coverage - 

    As the name implies these are mandatory to include if you are buying a car insurance in India. These coverage includes third-party insurance and personal injury protection coverage for car owners 

     

    Optional Coverage – 

    You can add more protection via option for optional coverage like Own Damage cover. This cover provide financial losses against the damages to your vehicle, something which is not provided by third-party insurance.

    Which is the best car insurance in India?

    This is something that every buyer will want to know considering having a third party car insurance policy is mandatory in order to be driving on the road. The best plan for you would be one that fulfills all your needs. For this, you should always focus on the features that a car insurance policy offers, such as 

    • Higher number of Network Garages.
    • Higher Claim Settlement Ratio.
    • Wide Choice of Add-ons.
    • Lower Premiums.

    What are the exclusions under Private Car package policies?

    There are certain exclusions when it comes to private vehicle insurance policies. Our car insurance policies do not cover any mechanical or electrical breakdown, normal wear, and tear, failure, or depreciation. Also, the car insurance policy will only cover 50% of the repair costs for damages that occurred to the tires or tubes of the vehicle. If a vehicle is damaged due to the driver being under the influence of alcohol or any other drug, the insurance policy will not provide coverage for the damages. Please note that the policyholder’s claim will not be approved if they did not have a valid license while driving the vehicle at the time of the accident, or even if they were using it for racing, motor trade, hire or reward. 

    What if I lose my policy documents?

    You can call on 1-800-103-5499, which is IFFCO Tokio’s toll-free number. You will get connected with one of our customer care executives who will help you out with a duplicate document of the auto insurance policy.

    You should also know that if you have lost your physical copy of your policy document, you still have one copy of it which was emailed to you when you bought it, so you can always take a printout. 

    What if there is an error in my policy document?

    Give a call on IFFCO Tokio’s toll-free number – 1-800-103-5499. One of our customer service executives will assist you in getting an endorsement. Once you have made your endorsement request, IFFCO Tokio will clear the discrepancies and issue you a corrected car insurance or motorcycle insurance policy document. 

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    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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    Advisory For Policyholders
    Please do not share any personal, sensitive information such as Passwords, OTP, Credit/Debit Carddetails, etc. to unknown individuals or sources. We urge you to contact us if someone posing to be from IFFCO Tokio General Insurance requests you to share this information with them.

    Beware Of Spurious Phone Calls And Fictitious/Fraudulent Offers.
    IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premium. Public receiving such phone calls are requested to lodge a police complaint.

    Insurance is the subject matter of solicitation. T&C apply.
    For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
    IRDAI registration number: 106, dated 4-12-2000, CIN: U74899DL2000PLC107621
    © Copyright 2020 IFFCO-Tokio General Insurance Company Limited

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