Since 1958, Force Motors has been a manufacturer of different commercial vehicles, including the once-omnipresent Matador. They entered the passenger car segment in 2011. And since then, their vehicles have been acclaimed for their strength and durability.
Therefore, if you have purchased a vehicle from Force Motors, you have indeed made a smart choice! But you would need to have insurance for your car before you start to drive it. This is because the Government of India has mandated motor insurance for all vehicles in the country. But worry not; you can rely on us to help you in complying with this mandate.
We at IFFCO-Tokio General Insurance Co. Ltd. offer you different coverage options for you to choose from, all at reasonable rates. You could settle for basic protection with our third-party plans. Or, you could go for more extensive coverage with our comprehensive insurance policies. Not to mention, we also have a variety of add-on coverage options for you to choose from. So, whatever your cover insurance needs, rest assured that we have got you covered!
Accidents can happen at any time– even with compliant and cautious drivers like you! Such road mishaps often cause significant damage to the vehicle, resulting in steep repair costs! But with a Force Motors car insurance policy from IFFCO-Tokio, you’ve got nothing to worry about!
Our plans will cover the repairs costs and get your back on the road in no time! We also offer round the clock roadside assistance as an optional add-on. This can be extremely helpful in case of breakdowns or mechanical failures that leave you stranded by the wayside. Besides for road mishaps, our plans also protect you against the financial impact of natural & man-made calamities such as floods, storms, theft, vandalism, etc.
The bottom line is – car insurance plans from IFFCO-Tokio will ensure your complete peace of mind. It will let you enjoy your drive without worrying about the financial effects of damages to your car, caused by accidents or natural and man-made calamities.
Our plans can be purchased through our authorized agents or by visiting your nearest IFFCO-Tokio branch! If time is a constraint, you can also visit our virtual us at https://www.iffcotokio.co.in/. You will find that buying a plan through our website is quite easy and only requires you to complete the 3 basic steps mentioned below:
You would need to provide us with your name, contact details, and some information about your Force vehicle. Based on that, we will structure some policy options for you.
You will receive various plan options from us. Go through them and select the one that serves your purpose. You might decorate the plan with available add-ons.
Only one thing left for you to do – to pay the insurance premium. Once you have done that, wait for a little time. You will receive the complete policy papers from us via email.
If you wish to visit our branch, know that our doors are always open! However, if you’d rather avoid the traffic and the noise, you can opt to buy a Force Motors Car Insurance Policy through our website. By doing so, you would also enjoy the following benefits:
No trips to the branch, no physical form filling, just a simple 3-step process and you’re done!
To begin with, you save on the travel time associated with a branch visit. Not only that, but our online process can be completed in minutes.
Branch visits are restricted to our working hours, but our website is open for business round the clock. You can buy a plan at a time & place convenient for you!
Our insurance plans love your Force Motors car just as much as you do.
Damages and losses that may arise out of collisions & accidents.
Coverage against losses incurred when your car is stolen.
Damages and losses caused to due to an accidental fire.
Damages and losses due to acts of nature such as floods, cyclones, etc.
Get compensation up to Rs. 15 lakh in case accident leads to death or disability of the owner.
Pays for property damages and injuries caused by your car.
Here are some recommended add-ons that can widen the coverage of your Force Motors car insurance policy.
Your car can depreciate by up to 40% in 4 years. Therefore, after 4 years, you will only get 60% of the car’s value or total repair costs in case of a claim. To avoid this, you can opt for the zero depreciation add-on with your Force Motors insurance policy. This will safeguard your car from depreciation and ensure you get complete compensation in case of a claim.
This is another important add-on you can opt for with your Force Motors car insurance policy. This add-on protects the important parts of your engine such as the crankshaft, piston, pins, cylinder, gearbox, and so on from damage. This add-on is especially useful if you live in a low-lying area where flooding could damage your car’s engine.
If you drive safely and do not make a claim against your policy, you are entitled to a discount when you renew your plan. This discount is known as No Claim Bonus or NCB. If you continue driving safely and maintain your claim-free record, you could enjoy an NCB discount of up to 50%. However, make a single claim and your NCB discount is lost. If you wish to retain your NCB despite making a claim, you can opt for the No Claim Bonus protector add-in with your Force Motors car insurance policy. This will ensure the NCB you’ve accumulated for years, is not lost when you make a claim.
With the return to invoice add-on, in case of total loss or theft of your vehicle, the insurance provider will pay the on-road price of your car as compensation. Whereas, with a normal plan, you would only get the IDV (on-road price minus depreciation) of your car and this decreases every year!
The Force Motors is an extremely reliable car. However, even the best cars in the world can experience a mechanical breakdown. This is why it makes sense to include the Roadside Assistance add-on with your Force Motors insurance. It will ensure that, if you are ever stranded due to mechanical failure, you can get help with just a single call.
These are some of the standard exclusions of car insurance in India.
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
You were driving drunk or without a valid driving licence.
You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)
Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
If you want basic and affordable coverage for your Force Motors, you can opt for third party insurance. These plans do 3 things for you. Firstly, they serve the basic legal requirement to drive your car on Indian roads. Secondly, they ensure you do not have to pay for third party damages and injuries in an accident you are involved in. And lastly, they will provide a payout of up to 15 lakhs in case an accident leads to your total permanent disability or death.
However, third party insurance does not cover damages or total loss of your own vehicle. So while these plans might be extremely affordable, they do not offer any protection for your Force Motors.
If you want to give your car complete protection, on and off the road, you should purchase this type of Force Motors car insurance. This is because, comprehensive plans are made of two components, third party cover and own damage cover. This means that they provide everything that third party insurance does.
But, along with this, comprehensive plans also protect your car. These plans offer coverage against damages and total loss of your vehicle due to accidents, acts of nature, theft, and other manmade calamities. Comprehensive car insurance also allows you to choose from different add-ons that widen the coverage of your plan and provide you with increase protection from perils of the road.
You should know these important car insurance terms before you buy a Force Motors car insurance policy.
Premium is the cost of your Force Motors car insurance policy. It is the amount you have to pay to enjoy car insurance coverage. It is usually payable annually, except for the case of long-term plans, where it is usually paid once every 3 years.
The financial protection provided by your insurance policy is known as coverage. The coverage of a car insurance policy will vary based on the insurance provider and the type of plan you purchase.
Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Force Motors car insurance policy.
IDV stands for Insurer Declared Value. It is the listing price of your vehicle minus depreciation. In case of a total loss of your vehicle or theft, IDV is the maximum compensation your insurance provider will offer.
No claim bonus, or NCB, is like a reward for not making a claim. It is a discount you enjoy when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail a maximum discount of 50% year after year for not making any claims against your policy.
Simple, just use the car insurance premium calculator. This online tool allows you to check the premium of your Force Motors car insurance policy using some very basic information. To calculate the premium, you must provide the following details:
Until recently, innovation and insurance were rarely used in the same sentence. However, we have made it our mission to change this. At IFFCO-Tokio, we are bringing in technology to provide you with car insurance that’s quicker and more convenient.
One of the ways we’re doing this is through our QCS app, which puts a host of our services at your fingertips! You can submit claims using your nothing but your phone and get up to Rs. 50,000 in compensation in just 4 hours.
With close to 20 years of experience in the insurance industry, we have settled more than 8 lakhs claims (in FY19) with a settlement ratio of 92.65%. This is just one of the reasons why 1,00,000+ individuals entrust us with their car insurance needs.
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
We offer a QCS facility under which motor insurance claims get settled seamlessly within minutes.
For 19 years, we have been servicing our customers with a wide range of insurance policies.
We settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 92.65%
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles.
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
Through our QCS App:
If you wish to make a claim for compensation, you can do so using our QCS (Quick Claim Settlement) App. All you have to do is upload the photos, documents, videos, etc., of the damages you want to make a claim for. We will review the documents you upload and approve your claim (we have a claim settlement ratio of 92%). After this, the estimated amount for repairs will be sent to your bank account in just 30 minutes. Note that for claims made through the app the maximum claim amount will be Rs. 50,000.
You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499.
To make a claim online, 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. If you register a claim over a call, our customer care executives will guide you with the further procedure.
The premiums designed by IFFCO Tokio are very pocket-friendly and easy to pay.
Rated by: SADIA KHAN
IFFCO Tokio makes driving affordable by covering the costs of CNG/LPG fuel kits.
Rated by: Raj Kamal
Thanks to tIFFCO Tokio's cashless services, I can pay for my repair charges online.
Rated by: Mrs. Khansa Mohsin Shaikh
The IDV facility helped me cover the losses incurred on the theft of my car six months ago
Rated by: Pratibha swapnil shitkal
Last year, I damaged my car in a road accident. However, IFFCO Tokio helped cover all losses. Thank you
Rated by: Datta Parthe