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Iffco Tokio Car Insurance
  • Trusted Brand
  • 4300+ Network Garages
  • 24*7 Assistance Available
  • Quick Claim Settlement
  • Third Party Liability Coverage

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Iffco Tokio Car Insurance

Iffco Tokio is a joint venture between Indian Farmers Fertilizer Co-operative (IFFCO) and Tokio Marine and Nichido Fire Group which is also the largest listed insurance group in Japan. The company was founded on 4th December 2000 with a vision of becoming the leader in customer satisfaction with the help of fair business, transparency, and quick response. Since its foundation, the company has never looked back and keeps on offering great car insurance solutions to cater to the different needs of customers.

4300+ Network Garages

4300+ Network Garages

The company has tie-ups with 4300+ garages all over India to provide ease to customers.

Quick Claim Settlement

Quick Claim Settlement

The company allows customers to get their claim settlement approval within 4 hours.

20000+ Agents and Branches

20000+ Agents and Branches

To assist customers in the hour of need, it has 20000+ agents & branches across India.

Key Benefits of Iffco Tokio General Insurance

Trusted Brand

Trusted Brand

With the experience of more than 15 years in the industry, the company has got the status of most trusted general insurance companies when it comes to car insurance.

24*7 Assistance

24*7 Assistance

Iffco Tokio car insurance has 24x7 interactive voice calling support executives, who can give you solutions whenever you need them during the claim settlement process.

Ease of Buying

Ease of Buying

The company is running multiple channels to reach customers and so it has its offline channel and online portal as well.

Transparent Services

Transparent Services

In Insurance, transparency is very important. Iffco Tokio is famous for its effective and transparent service. It offers the desired policy without any hidden cost.

Types of Iffco Tokio Car Insurance Plans

Iffco Tokio General Insurance is one of the best insurance companies when it comes to car insurance. To cater to the different needs of customers, it is offering a wide range of effective car insurance policies at affordable prices.

  • Private Car Insurance
  • Commercial Car Insurance

Private Car Insurance

Iffco Tokio Private Car Insurance

It is a comprehensive car insurance policy that caters to the different needs of customers. It offers coverage to insured car and third party liability as well. This plan is designed in a way that can offer coverage against man-made disasters and natural calamities as well. It also covers the cars which carry the CNG & LPG Fuel kit.

What it covers in Iffco Tokio Private Car Insurance?

  • Natural & Man-Made Calamities-
    As discussed above as well, this plan is designed in a way that can offer desired coverage against natural calamities such as floods, landslides, earthquakes, etch and man-made calamities such as theft, fire, accidental damage, etc.
  • Third-Party liability-
    As it is a comprehensive product, it is liable to offer cover to third party liability as well. In case of any injury or damage caused to the third party due to insured will get the required cover and the insurance company will pay for included penalties.
  • Electrical or Non-electrical Accessories-
    Among all the other benefits, this cover will also provide coverage against the breakdown of electrical and non-electrical accessories.

Key Features of Iffco Tokio Private Car Insurance

  • Zero Depreciation Cover-
    The plan offers unlimited zero depreciation cover to its employees. With the same, he insured will be liable to get the full claim amount without any deductions.
  • Roadside Assistance-
    It is indeed a much-required cover when you are stuck in the middle of the road due to any road emergencies. Thi feature will be able to assist you 24*7.
  • 24*7 Assistance-
    As discussed above, this feature of the plan is designed to deal with all queries and to provide assistance to customers all the time without any hassles.
  • Death Benefit to Family-
    In the case where the insured dies because of any road accident, his/her family will be liable to get a lump sum amount in the form of the death benefit.
  • Customized Plans-
    The company is also offering customized plans. It will be great for those who are looking for some addition or any kind of deduction in the existing plan.

Commercial Car Insurance

Iffco Tokio Commercial Car Insurance

Iffco Tokioís commercial car insurance is basically an insurance policy that offers coverage to your commercial car against different forms of external damages, along with personal and third-party liabilities. It also provides coverage against any legal liabilities following death, injury or property damage of third parties, arising out of your vehicle use.

What It Covers in Iffco Tokio Commercial Car Insurance?

  • Cover all commercial vehicles-
    It covers all commercial vehicles like a bus, taxi, matador, truck, tractor, etc. your insurance.
  • Damage Cover-
    A commercial car insurance policy provides coverage against the risks that include damage to a property caused by the use of the vehicle.
  • Third-Party Liability Cover-
    A commercial car insurance policy also offers coverage against third party liabilities such as bodily injury to the third-party or damage of the third-party vehicles. It also covers legal liabilities that occur due to death, injury or property damage to third-party by the insuredís vehicle.

Key Features of Iffco Tokio Commercial Car Insurance

  • 4300+ Network Garages-
    The company has 4300+ network garages which make it quite easier to get the repair done easily with the cashless facility.
  • Instant Insurance-
    The company can issue Insurance policy immediately. You donít have to wait for the long term to get your policy.
  • Fast Claim-
    With the great team and surveyors- the company is offering easy and fast claim service. Within a short time frame, the company will settle the entire claim amount.

Iffco Tokio Car Insurance: Inclusion & Exclusions

Out of all the benefits that Iffco Tokio Car Insurance offers with its car insurance plans, some basic inclusion and exclusions are always there. Below is a list of the same.

Inclusions

  1. Loss of belongings because of theft, unless the car is stolen
  2. Damage caused because of fire, explosion, self-ignition or lightning.
  3. Loss and/ or damage that takes place because of theft, riot, break-in, malicious acts or terrorist activities.
  4. The damage that occurs because of natural calamities (floods, earthquakes, landslide/ rockslide, storms, etc.).
  5. Damage caused while transiting via road, rail, air, or inland waterways.
  6. Cover against legal liability or property damage to a third party.
and

Exclusions

  1. Any incidents that take place out of the stated geographical zone.
  2. Losses that occur because of natural wear & tear or any consequential loss to the car.
  3. No cover if the driver doesn't carry a valid license
  4. Loss or damage that takes place because of driving under the influence of alcohol or drugs.

Iffco Tokio Car Insurance - Add on Covers

  • Zero Depreciation Cover: There is no doubt in saying that as the car depreciates, it leaves an impact on the claim settlement. This depreciated value will get deducted at the time of filing claims. However, in case you opt for zero dep cover, you will be liable to get the entire claim amount.
  • No Claim Bonus Protection: This is kind of a discount or bonus that you will get for every claimless year. But, in case you file any claim then you would not be liable to get the same.
  • Engine Protection: In the case where your vehicle is facing any engine problem, then in most cases you have to pay for its repair. However, with engine protection, you will be liable to get coverage against the same as well.
  • Return to Invoice: With the help of this add on the cover, you will be able to get the original invoice price of the vehicle which will include road tax and registration charges. IT will be a great help for those who live in high theft-prone areas.
  • Loss of Personal Belongings: This add-on brings much help in case of loss or theft of any personal belongings from the vehicle.

Why Apply Car Insurance Online With Iffco Tokio?

Because of the unstable conditions of the road, rash driving and traffic in India raise the number of car accidents in India. Apart from this, there are several threats from which you have to protect your cars such as theft, vandalism, and fire. Just to protect your car from all such dangers, a comprehensive car loan is mandatory for every car owner.

Iffco Tokio General Car Insurance is providing a complete car insurance policy. It will help you in getting the desired cover against major possible damages to your car.

With the growing technology, buying car insurance online has already become very easy. The online car insurance industry has already gained huge popularity. Customers can enjoy various attractive benefits of purchasing car insurance online.

An Iffco Tokio customer can enjoy the following benefits of investing in car insurance online -

  • Quick approval
  • Less and easy documentation
  • Allows you to analyze the best car insurance policy
  • Offers complete coverage of your car against damages that takes place because of natural and man-made calamities.
  • Easy car insurance policy renewal
  • Instant issuance of 'digitally signed policy document'
  • Free inspection in case of breakage
  • Doorstep assistance is there for fresh or renewed policy covers
  • Online 'e-survey' claims option is available with low TAT in claim settlement.

Iffco Tokio Car Insurance Premium

TIffco Tokio car insurance premium depends upon two primary components. They are as follows -

  • Own Damage Premium Rate - it will be calculated in percentage. It will completely depend upon the model and age of the car.
  • Liability Premium - It is a fixed amount that depends upon the insured car.

If you want to avail benefits of add-on covers you can easily avail the same by paying an extra premium. Add-on cover plans will protect your car from other vulnerable circumstances, over and above the damages covered by the primary policy.

As an Iffco Tokio car insurance customer, you are liable to get a discount on the premium paid only under the following circumstances -

  • On installing an anti-theft device
  • If you possess membership of Automobile Association
  • If you choose a higher voluntary excess'
  • No Claim Bonus (NCB) - this is applicable for every claimless year.

Claim Process of Iffco Tokio Car Insurance

There are several factors that a person has to keep in mind while he/she claims for car insurance. Below are the required steps that you have to follow for filing a claim:-

  • First, you have to inform the insurance company as soon as possible. You can do the same online or by calling.
  • For Cashless, get your repair done at the network garages and leave the rest on the insurance company. The insurance company or its surveyors will directly deal with the garage.
  • In case of theft or stolen, an FIR will be lodged to the nearest police station and the copy of the same will be attached with other documents of filing claims.
  • Once the insurance company is informed about the damage/loss/accident of the vehicle, they will forward a claim form that needs to be filled duly by the insured.
  • Fill out the form and attached the required documents that may include receipts in case of reimbursement.
  • The insurance company analyzed the vehicle to ascertain the authenticity of the claim made by the policyholder. A 'specialist-licensed surveyor' is appointed in case of a major claim.
  • The claim is usually settled on the agreement of 'claim amount', between the insurance company and the insured.

Iffco Tokio General Insurance Review

Iffco Tokio is one of the finest insurance companies when it comes to buying a car insurance policy. The long list of network garages and good claim settlement ratio has attracted many potential customers towards it. The company is offering a simple process for buying and claiming as well. With the experience of many years in the same domain, the company keeps on offering great and effective insurance policies and that too at affordable prices. It is one of the best insurance company to get your vehicle insured.

FAQs

Investing in a car insurance policy from Iffco Tokio Car Insurance will be there to help you with unique features that will make the entire process easy for the insured. The online claim settlement process online is highly easy, quick and affordable.

A proposal form should be submitted in the following situations :

  • New Business
  • Renewal by another company
  • In case of transfer of interest
  • On converting liability only cover to package policy
  • When there is a change or addition within the policy period or during the renewal of a policy.

Yes, pre-acceptance is necessary in case of break-in insurance, conversion of theft protection cover, providing coverage for imported vehicles, fresh payment received after cheque bounce, etc.

The discounts under the sane are a voluntary deductible discount, no claim bonus, automobile association discount and discount on vintage cars.

The existing policy will be transferred if the policyholder sold the car. The new owner can get it on his/her name. The buyer or transferee has to apply for transfer of insurance with Iffco Tokio Car Insurance, within 14 days from the date of purchase of a vehicle in his/her name.

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Last updated on 13-11-2019