Car insurance policies are, without a doubt, one of the biggest safety measures you could have for your car. These help in protecting your vehicle from damage through accidents, theft, natural disasters, and some other unanticipated events causing more financial loss. This apart, a full-fledged car insurance policy covers third-party liabilities as well. In this way, it saves you from claims raised by some other party while you get into an accident with them.
What is Special About IFFCO Tokio Car Insurance?
IFFCO Tokio is one of the best companies you can rely on for car insurance. Here are a few great reasons to choose IFFCO Tokio car insurance.
Wider Cashless Garages Network: Avail cashless car repair services at more than 4,300 garages in the country.
Faster Claim Settlements: Get your claim settled within 4 hours with the hassle-free process. This means getting back to the road sooner.
High Customer Ratings: With an impressive rating of 4.8 in customer ratings, IFFCO Tokio is dedicated to excellent service.
Roadside Assistance: Get covered with 24/7 roadside assistance with a policy, so any kind of problem or issue anywhere in the world will now be just a phone call away.
Instant Policy Issuance: Rapid online processes allow you to expediently get a new or renew an existing policy.
Why is Car Insurance in India important?
Here are three primary reasons why one needs to have car insurance in India:
Legal Compliance: As per the Motor Vehicle Act, every owner of a vehicle driven on Indian roads must have an insurance policy. Driving without insurance attracts heavy fines and legal consequences.
You can have the essential financial support in case of an accident or theft due to a car insurance policy, thus saving you from big cash outlays.
Peace of Mind: In the presence of car insurance, you can drive without any apprehension knowing that you are being protected from unfathomed circumstances that may give rise to numerous problems in your financial stability.
Getting car insurance is a responsible decision so that one can stay on the right side of the law and, as a consequence, offers the most elementary financial protection against damages and brings peace of mind to drive on the road.
Types of Car Insurance Policies Provided by IFFCO Tokio
1. Comprehensive Car Insurance Policy
This comprehensive car insurance policy provides complete coverage that not only covers damage to your vehicle but also liabilities towards third-party vehicles. The main features of this plan are:
Accident Cover: 100% protection against damages due to accidents.
Theft Cover: Compensation in case your car is stolen.
Natural Calamities Cover: Protection from damages due to natural disasters
No Claim Bonus (NCB): Get up to 50% of discount in your premium for no-claim years.
Add-ons and Customization: The policy can be customized by fixing the IDV, and also a suite of add-ons can be accommodated to suit personal requirements.
2. Third-Party Car Insurance Policy
This policy protects damages and losses to third parties from an accident in your car. The main features are as follows:
Personal Accident Cover: It provides coverage to you and your passengers if you get injured.
Third-Party Property Damage: The policy covers all the damages suffered by a third party, and the claim amount is put in your pocket.
Injury to a Third Party: It covers all the injuries the third party has suffered while having an accident. IFFCO Tokio Car Insurance Features
Here are a host of benefits you get in choosing IFFCO Tokio car insurance, including:
Cashless Repairs: With access to more than 4,300 garages, having cashless repairs ensures smooth process of claims and hassle-free experience.
Smartphone Self-Inspections: Click photographs of damages with your smartphone for quick claim processing.
Super-Fast Claim Settlement: QCS facility ensures settlement of claims up to ₹50,000 within hours.
24/7 Customer Support: IFFCO Tokio will ensure support at all hours of the day, ensuring you get the help you need at any given time.
High Claim Settlement Ratio: Be rest assured that IFFCO Tokio has a high claim settlement ratio, and processing claims becomes easy for you.
IFFCO Tokio Car Insurance Key Features
Here’s a brief introduction to the key features and benefits of IFFCO Tokio car insurance.
Premium Starting At ₹ 2,094: With affordable premiums starting at just ₹2,094, car insurance is now within everyone’s reach.
Huge Savings: Buy your car insurance policy online and save between 70% on premium.
No Claim Bonus: You pay not more than 50% of your previous year’s premium in case you don’t raise any claims for that year.
Tailor-made Add-ons: You can add up to 10 add-ons above your base policy which includes zero depreciation which will help you to get compensation based on the original invoice. Depreciation factor will be untouched while getting the compensation of accidental damage to the vehicle.
Own Damage (OD) Cover: The insurance plans covering accidents, theft, and natural disasters causes damage to vehicles
List of Inclusions and Add-Ons
Incomes under IFFCO Tokio car cover vary according to car insurance policies. Some of them include finances lost through:
Accident or Collision: Also pays to repair damage caused to your vehicle in case of an accident.
Theft: Pays all losses caused by theft of a vehicle.
Natural Disaster: Provides protection against any damages through floods, cyclones, and other acts of nature.
Fire and Explosion: Covers accidental fires.
Personal Accident Coverage: It covers a sum insured of ₹15 lakh in case of death or disability caused due to an accident.
Add-Ons for Proper Covering of Car Insurance
To completely cover up car insurance, you can opt for the following add-ons as well:
Zero Depreciation Cover: Also popularly known as bumper-to-bumper coverage, this add-on ensures that you get a complete compensation without taking into consideration the depreciated value of parts at the time of a claim.
Roadside Assistance: Mechanic assistance on blown tires or jumpstarts.
Engine and Gearbox Cover: Covers damages resulting from water ingress or leakage of lubricant.
Consumable Cover: Reimburses consumables not paid for in regular policies like nuts and bolts.
Tyre Replacement Cover: Covers repairing or replacing a damaged tire.
Exclusions to Note
While IFFCO Tokio car insurance covers everything under the sun, it does have standard exclusions. Such may include:
Driving under influence or without a valid driving license.
General wear and tear or mechanical break-downs.
Use of the vehicle outside India.
Damages resulting from illegal activities such as speed racing.
Losses caused by war or nuclear risks.
Customer Reviews and Ratings
The customers have given good ratings to the car insurance provided by IFFCO Tokio. It says that the plans are very simple and straightforward, while the coverage is fantastic as well. The average rating, counting over 2,000 reviews, has testified for IFFCO by a star count of 4.9. Customers comment on how efficient the QCS application is. Others are appreciative of the vast cashless garage network. Many look forward to an easy and hassle-free process while purchasing from IFFCO Tokio.
Files Claim at IFFCO Tokio
You can lodge a claim under your IFFCO Tokio car insurance through any of the following:
QCS App: Upload all your documents here if your claim is below ₹50,000, and the claim will be settled.
Telephonic Claims: Reach out to customer care at 1800-103-5499 if you have a claim to be filed and share what happened.
Online Claims: Log into the IFFCO Tokio website using your registered email ID and password and then continue with the claims filing process
Cashless Claim Process
To receive a cashless claim, perform the following
Follow one of the steps from the below channels:
Intimation: Submit a claim to IFFCO Tokio using any channel.
Survey: Upload crucial documents and photographs of damages.
Settlement: Receive your claim settlement directly or through a network garage.
Difference between Comprehensive Car Insurance & Third Party Car Insurance
80% CUSTOMERS CHOOSE THIS
| Coverage under Car Insurance | Comprehensive Car Insurance | Third Party Car Insurance |
| Accident Cover | ✅ | ✅ |
| Theft Cover | ✅ | ✅ |
| Natural Calamities Cover | ✅ | ✅ |
| No Claim Bonus up to 50% | ✅ | ✅ |
| Choice of add-ons | ✅ | ✅ |
| Customization of car value | ✅ | ✅ |
| Cashless Claims | ✅ | ✅ |
| Quick Claim Settlement | ✅ | ✅ |
| Personal accident cover | ✅ | ✅ |
| Damage to third-party property | ✅ | ✅ |
| Injury to a third-party person | ✅ | ✅ |
| No hefty fines if valid policy | ✅ | ✅ |
Why do you need car insurance and why is it important?
Car insurance is a pretty important necessity for car owners today. It fulfills the following needs and standing:
Legal Requirements: In India, having car insurance is legally required. Driving without car insurance can invite penalties or punishments in court.
Financial Protection:
Car insurance protects you from huge losses caused by accidents, theft, or car destruction. Car insurance further helps you protect yourself against repairing or even getting your car replaced completely in the event of severe destruction or theft.
Third-Party Liability:
Car insurance guards you against liabilities that would arise from destroying other people’s property or injuring other people resulting from accidents involving your car.
Events Beyond Human Control:
Road accidents and other unexpected events may occur anytime. With car insurance, you can feel safe and not be financially troubled by such unforeseen events.
Add-ons Options:
You can enjoy better coverage in the form of complete car insurance plans. You can add many useful add-ons available under these policies, including towing, zero depreciation, and no claim bonus.
The knowledge that you will be adequately covered makes you even less of a nervous wreck while driving and addresses any other related financial stress caused by an accident.
Car Insurance Policy from IFFCO Tokio
IFFCO Tokio is an insurance house. It is one of the popular companies in India offering car insurance, among others. Normally, our car insurance policy provides comprehensive damages cover from accidents, thefts, natural disasters, and third-party liabilities.
Our car insurance comes with add-ons like roadside assistance, zero depreciation cover, and many more, depending upon the type of policy selected. It provides hassle-free claiming coupled with an extensive garage network for repair. The coverage and features may differ according to the specific plan selected and its terms and conditions.
How to Buy or Renew Car Insurance?
Buying or purchasing car insurance renewal is quite a simple process. This is how it can be done:
Traditional method: One may visit the local branch or an insurance agent who deals with IFFCO Tokio Car Insurance, and they will help one in choosing the car insurance policy that suits the needs and budget.
Online Process: Buy car insurance online at our website by following a few easy steps. We just need the registration number of your car in return.
With IFFCO-Tokio, we want buying or renewing a car insurance policy to be smooth & simple. Now you can buy or renew your car insurance online without any hindrances. The whole process is as simple as buckling your seatbelt-it just requires a few clicks!
You can even get an instant quote in just two minutes. All you have to do is fill in a few details about your car and tell us the sort of coverage you want. With the details that you provide us, we will package for you a number of different coverage options from which you can select.
If permitted, one of our agents will contact you to assist you in answering any questions or concerns that you may have.
Benefits of Buying Car Insurance Online
If you want to get started with buying car insurance online, this is easy. Here are some benefits of doing just that!
Save Money: The purchasing of car insurance does not accommodate any third-party commission to get your car insurance policy through the internet. All these commission expenses are added to customers, and the rates of premiums become discounted.
Save Time: Purchasing a car insurance policy online does not require much paperwork, documentation, or standing in queues. Such processes save much of your precious time.
Save Efforts: You can buy four wheeler insurance online simply by filling in your vehicle details, selecting the plan, and making the payment! The process is very convenient, thus saving your efforts.
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!
Customizing Your Plan: You can go for add-on covers, can increase/decrease IDV, etc. Hence, you can customize the car insurance policy according to your requirement.
Policy Issued Instantaneously: Just pay for it, and the car insurance document would be delivered to your mailbox instantaneously. Download it and save/copy.
Safe and Secure Process: This is a very secure process of buying a policy online that follows online security protocols to avoid fraud.
Our car insurance experts are always happy to answer all your four-wheeler insurance-related queries.
Steps to Buy a Car Insurance Policy Online
You can easily buy a car insurance plan in the following three steps!
Fill up the details of your vehicle:
Just some basic information about your car, like its registration number, make model, claim history, etc. Using these details, our car insurance calculator will give you instant quotes for you to compare and check so that you get the best deal on car insurance.
You can personalize your cover:
Select the type of plan you want-third party or comprehensive car insurance; you’d also be able to include add-on coverage that you want, such as zero depreciation, consumables, engine protector cover, key replacement, tyre cover, etc.
Download Policy Document:
After you make any changes in the plan/quotation, you can buy a car insurance plan. Also, it will send you the policy document through email within minutes of your payment. So, you can download your car insurance policy document within minutes.
Benefits of Online Renewal of Car Insurance Save Time:
As you are renewing the car insurance online, it will take not more than a few clicks.
Conclusion
In a nutshell, car insurance is a must investment by every vehicle owner in India. Choosing IFFCO Tokio car insurance ensures legal compliance but at the same time ensures significant financial protection and peace of mind. With diverse coverage options, amazing customer care, and many more benefits, such as zero depreciation coverage and 24/7 roadside assistance, you can drive fearlessly knowing that unexpected events are well taken care of. For more details or assistance, contact IFFCO Tokio customer care at IFFCO Tokio email ID or their helpline. Join the safe ride today with comprehensive car insurance!