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Mercedes Benz Car Insurance
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Buy car insurance online/renew non IFFCO Tokio car insurance policy
Mercedes Benz is the ultimate statement of style and power in the world of automobiles. The power of German engineering sees the Benz take the top spot for safety and reliability. Not to mention, this car is a true head-turner. As the motto of Mercedes Benz goes “The best or nothing,” owning a Benz embodies class and sophistication par excellence.
Now, you can’t possibly own one of the best cars in the market and not get it insured. By getting car insurance from IFFCO-Tokio General Insurance Co. Ltd. you can protect your beautiful Benz financially from any unforeseen circumstance.
IFFCO-Tokio General Insurance Co. Ltd. truly understand cars insurance. We have two major coverage options available for your Mercedes Benz - comprehensive and third-party policies. You can also opt in for add-ons to increase your protection.
Once you have decided to buy a premium car, we are certain that you will be safe and cautious while on the road. However, the same can’t be said for other drivers and thus, mishaps can occur. Now, in the case of such an accident, you would definitely need an insurance policy to financially protect yourself. Afterall, car repairs can drain out your bank account!
You could also unintentionally cause damage to another person’s car. In such a case, that vehicle owner will hold you responsible for the repair costs. By opting in for a third-party Mercedes Benz car insurance plan from IFFCO-Tokio General Insurance Co. Ltd., you can rest easy as we take care of all ensuing financial and legal liabilities.
A comprehensive Mercedes Benz car insurance plan will protect you from the losses sustained in natural disasters like earthquakes and floods, or man-made accidents like theft and arson. You can now put your worries to rest; our insurance policies will truly have your back.
Buying your Mercedes Benz car insurance from IFFCO-Tokio General Insurance Co. Ltd. is super easy! You could visit one of our office branches to get your policy. We have a helpful customer service team that is always ready to assist you.
You can also choose to buy your coverage online through the following 3 steps:
Once you log on to our website, you will have to provide your name, some details about the car and your contact information. Then, we pull up all suitable insurance policies for you to consider.
We will give you the main policy options suited to your vehicle for you choose from. After picking the one that best suits your requirements, you can customize it with add-ons.
The final step is buying the plan by paying the premium. In a few minutes, we will email your Mercedes Benz car insurance documents to you.
When you buy car insurance through the website of IFFCO-Tokio General Insurance Co. Ltd., you enjoy-
All it takes is the completion of 3 steps to get your coverage done
You can buy your policy from anywhere and at any time
You will have digital copies of your policy documents so there is no worry of losing them.
Our insurance plans love your Hyundai 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 Mercedes Benz 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 Mercedes Benz 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 Mercedes Benz 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 Mercedes Benz 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!
If you opt for the road-side assistance add-on, you can simply call your insurance provider and they will send mechanical assistance your way in case of mechanical failure, flat tire or even if you run out of fuel!
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 Mercedes Benz, 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 Mercedes Benz.
If you want to give your car complete protection, on and off the road, you should purchase this type of Mercedes Benz 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 Mercedes Benz car insurance policy.
Premium is the cost of your Mercedes Benz 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 Mercedes Benz 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 Mercedes Benz 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 General Insurance Co. Ltd. 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.