Toyota Car Insurance

About the Toyota Car Insurance

Toyota Etios is a subcompact car in association with the Japanese automaker, Toyota, for the Indian automotive market since 2010. The Toyota Etios consists of a four-door sedan and a five-door hatchback.

The Etios has been updated three times- once in March 2013, then in November 2014 and in September 2016. The sedan version of the insurance is called Etios Platinum, while the hatchback version is called Etios Liva. The Platinum Etios is powered by a 1.4-litre diesel (68PS, 170Nm) and a 1.5-litre petrol (90PS, 132Nm). Both the engines come with a 5-speed manual transmission.

Overview of Toyota Car Insurance

This insurance company was founded in 1937, and the Toyota Motor Corporation was recognized in 2014 as the eleventh-largest company in the world by revenue. In 2012, this Japanese brand also became the largest automobile manufacturer by production. This Corporation have more than 338,875 people as employees, the brand has manufacturing companies in 28 countries and regions. Further, Toyota sells its vehicles in more than 170 countries and regions.

The Kirloskar Group has had a hand to play in the industrialisation of India for over a century. The year 1997 marked the ambitious beginning of a relationship with Toyota Motor Corporation. Toyota aims for the best and only best in quality, systems and processes for the customers. It also creates more employment opportunities in India.

The quality of cars that Toyota produces cannot be regarded as anything but the best out of best. They offer Indian citizens everything from mid-range cars such as (Toyota Vios) to luxury cars such as (the Toyota Land Cruiser). Whichever car that your heart and you picks, remember that you must and should protect yourself from the financial damage that may occur due to various factors once you take your own car out of the showroom. This is where car insurance can be a Godsend helper. The insurance helps you and  your car to save a lot of trouble and money, but now a question aries that how will pick one from all the available ones in the market? Research! Yes, the correct answer is research. It is most important to familiarize and well equipped with all the information about the plans that are available out there.  

Car Insurance Premium for Toyota Car Insurance

The premium of the your car’s insurance plan depends on the model of the car, the current running rate or price of your car and also the engine of and body of your car, along with the additional features and benefits that your car have.

Reasons to Buy the Toyota Car Insurance Policy

1. Besides the fact that it is illegal to drive a car in India without a basic, valid car insurance, getting one is just the smart thing to do.

2. You can opt for a personal accident cover for passengers and third party legal liability.

3. A Comprehensive Car Insurance policy will ensure that your car and you will be financially protected from any loss or damage which may happen to it in the period of your ownership such as:

Natural Calamities: Explosion, fire, hailstorm, flood, lightning, earthquake, typhoon, hurricane, storm, cyclone, frost, landslide etc.

4. Man-made Calamities: Burglary, terrorist activity, theft, riot, strike, and accident by external means as well as any damage caused to your vehicle when you are on road, rail, lift, elevator or air.

5. Road side assistance:

If you are in the extreme of the situations with your car, a breakdown or flat tyres, you can use the service of road side assistance to simply call and receive help from the nearest network garage.

6. Cash less settlement at all network garages:

Oh no! Your car has broken down in the middle of a highway? You don’t have enough money to pay for the repair services? That’s very helpless situation, isn’t it?  These are exactly the situations where you need this coverage. You will get cashless repairing service if it is done from any of the network garages.

7. Engine protection coverage:

It covers damages or leakages caused to the engine of the car due to any accident. This coverage, is not available for all Toyota cars.

8. Third party liability coverage:

This gives coverage in case of an accident or collision, where injury or death has occurred to any other person or property and because of you and your car.

9. Personal accident coverage(Driver and owner):

This gives you financial coverage in case of any injury caused to the owner or driver.

10. The customer service and support system is very efficient and smooth. They strive to work hard and hard with each passing day just to give you with all the possible information and services.

Types of Toyota Car Insurance

1. Comprehensive Only Policy

A Comprehensive Car Insurance policy will ensure that your car and you will be financially protected from any loss or damage which may happen to it in the period of your ownership such as:

Natural Calamities: Explosion, fire, hailstorm, flood, lightning, earthquake, typhoon, hurricane, storm, cyclone, frost, landslide etc.

    Man-made Calamities: Burglary, terrorist activity, theft, riot, strike, and accident by external means as well as any damage caused to your vehicle when you are on road, rail, lift, elevator or air.

2. Third Party Toyota Car Insurance

This gives coverage in case of an accident or collision, where injury or death has occurred to any other person or property and because of you and your car. It provides coverage for all the damages caused to the third person not only to the car but also it covers all the hospitalization charges and more.

Toyota Car Insurance Inclusions

1. The Toyota Car Insurance policy will ensure that your car and you will be financially protected from any loss or damage which may happen to it in the period of your ownership such as:

Natural Calamities: Explosion, fire, hailstorm, flood, lightning, earthquake, typhoon, hurricane, storm, cyclone, frost, landslide etc.

2. Man-made Calamities: Burglary, terrorist activity, theft, riot, strike, and accident by external means as well as any damage caused to your vehicle when you are on road, rail, lift, elevator or air.

3. This insurance gives coverage in case of an accident or collision, where injury or death has occurred to any other person or property and because of you and your car.

4.This gives you financial coverage in case of any injury caused to the owner or driver.

Toyota Car Insurance Exclusions

Listed below are the situations which are excluded under the Toyota Car Insurance Policy:-

1. Depreciation on car parts.

2. Damages that are caused intentionally.

3. Driving the car outside India.

4. Mechanical ir Electrical breakdown of your car.

5. Driving your car after consuming alcohol or drugs.

6. Driving your car without carrying proper documents and licence.

7. Using Toyota Car for any illegal purpose or using it commercially.

Toyota Car Insurance Additional Covers

We all drool over things that we get in addition and when it comes to Toyota Car Insurance Policy, they tend to offer a bit more than what you actually think to get. Excited? Come on in, let us see the additional benefits:-

1. Passenger Cover

     It is one of the most important benefits that one could opt for and when it is coming in your bag as an add on feature then it is like the cheery on the cake. It makes sure that the passenger and the driver of the car is is safe and sound.

2. Zero Depreciation Cover

      Zero depreciation cover, it is also known as bumper to bumper plan or nil depreciation cover. With zero depreciation coverage, the insured does not have to pay the depreciation value of the damaged or replaced parts and the policyholder can claim.

3. Emergency Assistance 

      Emergency Assistance or roadside assistance can be a lifesaver in a variety of odd and sad situations. When you take your car out on a long drive, there are a lot of unseen factors that might play against you. However, with an emergency assistance cover, you can keep roaming around for miles and miles without having to worry about anything. Under this benefit, you get fuel and assistance at times of breakdown.

4. No Claim Bonus Protection

     No Claim Bonus is a reward that is provided by the insurance company to policyholders for raising no claim in a policy year. This bonus gets accumulated and increased with every claim-free year and ranges between 20% to 50%. The accrued percentage of the benefit earned as NCB gives a discount on the premium of the next year.

5. Alternative Vehicle Cover

     This feature is like flower budding off. Okay! Just to simplify, this feature not only safeguards your car along with your health and wealth but it also provides coverage to an additional vehicle.

6. Consumable Cover

      There are several consumable parts or substances which are used in the repairs of any car such as nuts, bolts, pipes, engine oil, grease, AC gas, coolant and ball-bearings, and so on when your hits an accident on the running road. In that case, this add on feature is like shinning light in the darkest night.

7. Key Replacement Cover

     The Key Replacement Cover is an add-on feature or benefit which provides coverage for the cost of replacement of the insured car’s key if the key is lost, damaged, or stolen. The lost key add-on feature also provides compensation for the cost that is spend from your pocket in repairing the lock-set if the car lock gets damaged.

8. Return to Invoice Cover

      RTI or Return to Invoice is a cover or an add on feature that is a part of comprehensive car insurance plans. The add-on benefit allows you to receive compensation equal to the car’s invoice value i.e., the original value of the car when you bought it in case your is damaged to a extent that it can not be repaired properly or it is stolen.

9. Engine and Gearbox Protector 

      In short, engine protection cover provides your car coverage for any damages to the car’s engine or/and its parts arising out of incidents of water ingression, leakage of lubricant oil, damage to the hydrostatic lock, damages to the engine parts, such as the gearbox, crankshaft, cylinder, connecting rods, pistons, etc.

How to Buy Toyota Car Insurance Policy Online?

1. Visit the official website of the Toyota Car Insurance.

2. Click on Car Insurance.

3. Enter your Toyota Car Registration Number on the given space.

4. Mention details like, RTO, Registeration year of your Toyota Car, Car model and more.

5. In the given space, enter your contact details like, your contact number, e.mail address and more.

6. Choose the type of car insurance you want your car to have.

7. Pay the premium of the plan of your choice.  

8. And that is it.  The insurance policy plan is all yours.

       Now, you can keep the documents safe for verification and safety of your car and you on the road.

How to Renew the Toyota Car Insurance

To renew the Toyota Car Insurance Policy is extremely easy and quick. You just need to follow the below listed steps:-

1. Visit the official website of the Toyota Car Insurance.

2. From the menu box, choose the Renewal tab.

3. Click on Motor Renewal option from the drop box.

4. Mention your Toyota Car registration number in the space provided.  

5. Fill in the car number, engine CC, contact details like, name, e.mail etc.

6. Enter your previous plan details like, expiry date, coverage type and claim history.

7. Choose the plan to renew and pay the premium and it is done.

     Wasn’t it easy and quick?

It is right? So, instead of worrying about the problem, focus on the solution and opt the easy way out.

 Renewing Car Insurance Online Benefits

Look doing anything sitting at home at your own convenience is the most wanted and needed thing that one could ever dream for. Am I right? Or am I right?

   I know, I am absolutely correct! Hands down!

Well, for your convenience, all the major advantages and benefits are mentioned below, come on let us have a quick glance at them:-

  Renewing your insurance plan online brings in your ease and convenience to work. It makes you research well before taking any step also you can sit for hours to talk about what is right to choose with your friends and family members and then opt the most perfect plan for your Toyota Car.

Step by Step Claim Process for Toyota Car Insurance

A. Step 1:- Either by visiting the nearest branch or by visiting or finding the branch online of the Toyota Car Insurance.

B. Step 2:- Write an application or send a mail to the branch about the claim need.

C. Step 3:- Fill in the form which asks you to mention some of your basic details, like-

  1. Car Insurance Policy Number

  2. Name of the insured

  3. Contact details of the insured person along with the car

  4. Address of the place where the damage or loss took place.

  5. Address of the hospital where you have been hospitalized for the treatment.

  6. Name of the person hospitalized.

  7. Name and address of the police station where the complaint is logded in case of accident.  

  8. Brief description of the accident and injuries.

D. Step 4:- And it’s done, after verification your claimable amount will be released directly to the hospital authority.

Required Documents for Toyota Car Insurance

1. Toyota Car Insurance Document.

2. Claim form of your insurance.

3. Car registration certificate of Toyota Car.

4. In case of any accident or damage, FIR is needed.

5. Onwer’s driving licence.

6. Bill of car repair.

7. Payment receipt of the bill.

FAQS

1. How long does it take to renew a Toyota car insurance?

Just within 5 minutes, your Toyota Car Insurance Policy can be renewed.

2. Which all insurance add-ons should be bought with Toyota cars? 

 The all insurance add ons that should be bought with Toyota Cars are mentioned below:-

1. Passenger Cover

2. Zero Depreciation Cover

3. Emergency Assistance Cover

4. No Claim Bonus Protection

5. Alternative Vehicle Cover

6. Consumable Cover

7. Key Replacement Cover

8. Return to Invoice Cover

9. Engine and Gearbox Protector

3. What If my Toyota Insurance Policy is expired, will my car be inspected during renewals?

 Yes! Just in case your current insurance plan has expired and you are willing to renew the same, before approving the renewal your car will undergo inspection. 

4. Is my online Toyota car insurance valid?

*Yes, your online Toyota Car Insurance is valid and approved by IRDAI and also all the companies that are providing the insurance policies are verified and registered.

5. Do I need to pay any charges to avail cashless repair facility for my Toyota car?

No, you do not have to pay any penny for the repair of your vehicle because all the insurance providers offers cashless repair services in their listed network garages. You just have to contact the insurance provider to avail this feature.

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