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Toyota Car Insurance
  • Roadside Emergency Assistance
  • Discounts on Premiums
  • Coverage Against Theft/Fire
  • Protection from Natural Disasters
  • Personal Accident Cover

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Toyota Car Insurance

Toyota Cars has been running on Indian roads since 1997 after the advent of Japanese car manufacturer pioneer Toyota Motor corporation. The cars owned by thousands in India is joint production of Toyota Motor and Kirloskar group that teamed up to establish the automotive industry in India.

Toyota India holds distinguished image in producing cars that suits the purpose of sports, racing, long travels etc. One of the famous Toyota car models called Etios Cross has recorded the maximum number of sales among the population.

After you buy a Toyota Car, you first need is to insure it from future unfortunate events which may cause degradation to the vehicle. So, buying a Toyota car insurance is best to eliminate the tension related with accidents, liabilities, and natural disasters which may directly harm your car. A car owner can buy insurance either from Toyota India or from any Insurance Web Aggregator like PolicyX. This task of buying becomes easy with PolicyX that clusters genuine information from various sources and displays the accurate premium rates in front of you.

Best Selling Cars Of Toyota India

Toyota Etios Cross

The car that stole the hearts of many buyers through its unique features and affordable prices. The model is probably the most preferred model especially among the middle class people.

Specification:

  • Comes in seven colors- Inferno orange, grey, harmony beige, celestial black, red, silver, white.

  • Gasoline, 4-Cylinder 16Vin petrol engine and 4-Cylinder 8V, SOHC,D-4D diesel version.

  • Mileage of 18.16 kmpl (for petrol) / 23.59 kmpl (for petrol) / 16.78 kmpl (for diesel) respectively.

  • Engine size in petrol version is 1197 cm³ (cc) & 1496 cm³ (cc) and in diesel, it is 1364 cm³ (cc).

  • 45 litres Fuel tank capacity and 251 litres of boot space.

  • 6 airbags, Central locking, keyless entry, immobilizer, rear seat belts, ABS with EBD, child safety isofix, back sensors, rear headrests.

  • Power windows, digital tachometer, power steering, roof rail, Rear wiper/ washer, 7 bottle holders, digital clock, AC with clean air filter, height adjustable seats, alloy wheels, wooden armrest panels, leather seat covers, 2 din Bluetooth audio with remote.

Toyota Corolla Altis

This model of Toyota Cars contains the features of revolutionary sedan and comes in the budget of Rs 16.45 lakhs to 218 lakhs.

Specification:

  • Comes in seven colors- phantom brown, celestial black, white pearl crystal shine, silver mica metallic, grey, champagne mica metallic, super white two.

  • 7 Speed Super CVT-i with Sport Mode and Paddle Shift in petrol version and 6 speed manual transmission in petrol and diesel.

  • Power of 103 kw (140 PS) @ 6400 rpm (for petrol) and 65 kw (88 PS) @ 3800 rpm (for diesel) respectively.

  • Engine displacement in petrol version is 1798 cm3 (cc) and 1364 cm3 (cc) in diesel.

  • 55/ 43 litre Fuel tank capacity in petrol/ diesel and 470 litre of boot space in both.

  • 7 airbags, clutch start system, keyless entry, immobilizer, charging points, ABS with EBD, isofix child seat mount.

  • Back sensors, rain sensing wipers, rear headrests, smart entry push start button, power sockets, 10 way adjustable driver seat, 7.0 Touch Screen Audio with navigation, multipurpose steering.

  • Power windows, Rear wiper/ washer, bottle holders, digital clock, AC with clean air filter, height adjustable seats, alloy wheels, wooden armrest panels, leather seat covers, Bluetooth audio with remote, wireless door lock, push Start/ Stop system.

Toyota Fortuner

The most prestigious innovation of the Toyota Motor that possess luxe features where the person must have a budget of Rs 27.8 lakhs to 30 lakhs.

Specifications:

  • Comes in seven colors- phantom brown, black, silver, grey, bronze, white pearl crystal shine, super white.

  • 6-speed sequential automatic transmission and 6-speed intelligent manual transmission.

  • Engine size in petrol version is 2755 cm³ cc and 2694 cm³ (cc) in gasoline. Fuel tank capacity is equal to 80 litres.

  • 7 airbags, Anti Theft Alarm with Ultrasonic Sensor, keyless entry, immobilizer, rear seat belt, ABS with EBD, child safety isofix, back sensors, engine start stop button, USB and accessory sockets.

  • Eco & Power Drive Modes, Downhill/ Hill Assist Control, Power Windows, Tilt & Telescopic Steering, armrest with cup holders, digital clock, AC with clean air filter, Automatic Climate control, height adjustable seats

  • Reverse Camera with Rear Parking Sensor, Rear wiper/ washer, alloy wheels, wooden armrest panels, leather seat covers, glove box, voice recognition, Dusk Sensing Bi-Beam LED Projector Headlights.

Benefits You Never Know About Toyota Car Insurance

  1. Roadside Assistance: The car owner will get uninterrupted service of repairs and correction for the insured car. This is valid only if the car has suffered any damage or mechanical breakdown in between of the road. You can call your insurance provider at the earliest on the toll free number.

  2. Cashless Garage: The owner of the car can avail the cashless service at any garage for any technical issue. The total number of garages can be different as per the insurer chosen. For instance- Royal Sundaram has a network 3,300+ garages, HDFC Ergo has 6,800+ cashless garages.

  3. Online Settlement Process: As everything is going online and so the car insurance. The online process has now made the process of claim settlement and policy renewal as easy as placing an order on shopping e-commerce websites. The insured will pay for the cliam whether it is minor or major based on the investigation conducted.

  4. Provides Financial Support: The car owner can get financial security throughout the coverage period as all the acceptable eventualities are duly compensated by the insurer. This will promote the savings of insured Toyota car owner and also gives perks on fixed renewals.

Damages and Repairs Covered

  1. Third Party Liability: Suppose your Toyota car get collided or struck with another person car by mistake of yourself/ third party. Also, because of your car, third party car has suffered crash of headlights and scratches on the car body. Here, you can approach your car insurer by raising a claim after a court settlement has been done on the confirmation of both parties.

  2. Theft/ Burglary/ Vandalism: If the car has been stolen or abducted by any other person, the car owner is guaranteed to get the amount of loss occurred. The Toyota Car Insurance provider will analyze the case and release the payment accordingly.

  3. Personal Injury Protection: Car insurance not only for car but also its owner. Like, if a personhas caused injuries to himself, or the other person sitting with them

  4. Natural disasters: The calamities that are above the control of normal person are also covered under comprehensive car insurance cover. Under this option, your Toyota car can get protection from earthquakes, Tornado, Flood, Hurricane, Storm, Cyclone, Hailstorm, Frost Landslide, Rock slide, etc as listed in the policy document.

  5. Perils and Fire: A wrathful fire / explosion / self-ignition or lightning can vigorously affect the body and engine of the insured car. Car insurance during this time becomes your armor that gives you complete compensation for the loss.

  6. Rental Reimbursement: It pays for a rental car in case where your car is in the shop following a covered collision or comprehensive claim.

Damages And Repairs Not Covered

  1. Loss Due To Wear And Tear: Any loss occurring due to normal wear and tear of the vehicle will not be eligible for a claim. Similarly, any form of mechanical or electrical breakdown, failure of chassis, or body parts, or breakage due to rusting or other weather conditions will not be considered for a claim.

  2. Deterioration to Tyres or Electrical equipment: Tyres are more prone to damage and droop after regular usage and due to various types of roads. Similarly, electrical equipment in the car can get damaged due to severe weather conditions, short-circuit, or infestation of rodents.

  3. Driving Under Alcohol Influence: Make sure that you never intoxicated while you drive as it is against the traffic rules and also this clause is not covered under car insurance. If any casualties happens to the vehicle while drinking and driving, the insurer is responsible to cover the loss.

  4. Intentional Harm to Car: If any Toyota Car Insurance provider finds after inspection that the harm done to vehicle has been created by self, the claim subject to rejection. So, no intentional damage is not entertained under car insurance coverage.

  5. War/ Perils/ Bombing: Any loss caused to the vehicle due to war, bio-chemical attack, or fire due to nuclear explosion and related events will not qualify for a claim.

  6. Wreckage During Racing: Racing involve rash driving and Similarly, it will offer limited cover or no cover at all for damages incurred if the vehicle is used in sharing programs.

Add-on Coverage for your Toyota Car

  1. Cost of Consumables: Consumable used in the repair, maintenance of Toyota are covered against the premium payment with base premium. This includes cost of washers, screws, lubricants, oils, bearings, gaskets, sealants, filters etc. In a base car insurance, consumables cost is strictly not covered. This cover will add weightage to your policy and you will be compensated against any loss.

  2. Key Replacement cover: If you have lost or misplaced your car keys this add-on cover will act as a savior by assisting during-

    1. Technical or mechanical breakdown issues

    2. Site, lost key assistance, duplicate key issue

    3. Tire changes, battery jump starts, empty fuel tank and towing charges.

  3. Engine & Gearbox Protector: If any downpour of rain or the rushing flood waves, your vehicle's gearbox and the engine remains wrapped in the protective coverage of engine and gearbox protection cover. It pays for the replacement or repair of all the child parts or internal parts. Moreover, it further covers the labor costs, cost of compression tests, machine charges and engine cylinder re-boring.

  4. Return to Invoice: The IDV is equal to the current market price of the vehicle. But, with a return to invoice add-on, you get the difference between invoice value and IDV as well. The car owner have to lodge an FIR to the nearest police station and the car was not recovered within 90 days after.

  5. Loss of Use Downtime Protection: A rider that compensates your travel expenses during the time when your car is left in a garage for repairs. Consequently, this will cause to hire a cab or other transport facility available. All the travel expenses arrived for daily commute will be borne by the company.

Toyota Car Insurance Discounts

  1. No Claim Bonus: The percentage of NCB can seriously lead to decrease your premium rate over a period. How NCB can be earned? Toyota Car owner can earn it through fixed renewals without making any claim during the policy period. If the claim has not been made during a policy year.

    For Example- 20% bonus is awarded for one claim free year, while for two claim-free years this elevates to 30%.

  2. Voluntary Deductibles: Deductibles refers to sharing some proportion of admissible claim amount with the car insurer. How it is beneficial to the Toyota car owner? Sharing the cost of claim can really lead to earning worthwhile discounts in the premium.

  3. Member of AAI or WIAA: An insured car owner can drive enormous benefit from his/ her membership of Automobile Association of India or Western India Automobile Association (WIAA). What are the benefits? Relaxation in the premium amount and services like doorstep service, renewal of driving license, breakdown assistance can also be received by the respective members.

  4. Anti Theft Alarm in Car: Purchasing and gearing your Toyota car with an anti-theft device can really save your money through deduction in total premium. A maximum of 5% of discount is available under the cover. Anti-theft installation involves locks for the steering wheel and gear, Airbags, Anti-theft alarms etc.

  5. Discount According To Driver’s Age: The driver who is driving also matter when it comes to availing discounts in the car insurance.

    For example- a teenager who barely has any road experience is offered more prices as compared to experienced drivers who have an understanding of roads, traffic, and how to move the vehicle so that it gets protected.

    Also, the premiums starts soaring when the car owner attains the age of 65 years.

How To Buy Toyota Car Insurance?

There are two ways to buy the required protection coverage for your Toyota car. These are-

  1. Directly from Insurance Company: First is to buy Toyota Car Insurance from any insurance company without looking for best prices which other insurance providers are offering. The choices are limited as the car owner barely get any freedom of choice.

  2. From Insurance Web Aggregator: Second, and the most reliable option is to purchase Toyota Car Insurance after comparing distinct insurance packages offered by various companies. Advantages of choosing an PolicyX Insurance Web Aggregator are-

    • Makes the task easy by providing the latest and accurate premium rates synonymous to your car’s condition.

    • Presents trustworthy information without concealing any facts.

    • Online Process (no efforts and time efficient)

Documents Required to Buy Toyota Car Insurance

  1. Car Registration number

  2. Previous car policy number (if you have any)

  3. Car manufacturing date (mm/yy)

  4. Engine number

  5. Date of car purchase

  6. Name of the City from where car is bought

  7. Chassis number

  8. Your contact details provided in the registration certificate of the car. (address, mobile number and email address.

  9. A photocopy of the car’s RC booklet.

Things to Know Before Buying Toyota Car Insurance Online?

  1. Information About Your Car: First gather information about your car like manufacturing date, car model, etc. to evaluate the total value of your car. This will help in getting the exact figure of premium.

  2. Know Your Coverage: Know about the various forms of car insurance and which type of coverage does your car needs. There are mainly two of coverage options- Comprehensive coverage and third party coverage.

    If you have purchased expensive and luxurious model of Toyota cars, then buying comprehensive coverage is best.

  3. Compare and Select: Choose an Insurance Web Aggregator like PolicyX which will help you in comparing car insurance quotes from various car insurers. You can find the best premium rates with accurate information about the insure like claim settlement ratio, credibility, policy benefits included and excluded.

  4. Choose Add-On Covers: To supply extra protection to your vehicle, you can go for add-ons. This will cover your form the casualties that are not covered in the basic car insurance cover. The add-on options will vary from company to company, so make sure you do analysis.

Toyota Car Insurance Claim Process

  1. Intimation Of The Claim: The process starts with notification of the claim. Also, the claim must be informed in a given amount of time and as quick as you can. The advice is to communicate the claim immediately after the happening of any admissible event. Whether it is accidental or third party claim, the intimation has to be followed.

  2. Collecting The Documents: After this, the insured person should start collecting all the valid documents applicable to the claim. The insured car owner can take the help of insurer if he/ she is facing any confusion in documentation process. A time limit is provided to gather the documents. If insured person provide incomplete documents, then time limit is extended for genuine cases.

  3. Authorization Of The Claim: After the examination of the given information and conditions, the insurer will authorize the claim if everything is truly presented. For instance in case of an accident, the car’s condition, driver’s condition, direction in which car is moving, witness opinion, etc is analyzed to come to a decision.

  4. Payment Process: If the process of authorization get successful and claim is approved for compensation, the insurer will initiate your payment. The total cost of expenses arrived will be credited to the account of car owner.

The basic steps taken in car insurance has been illustrated below which employed by most of the insurers. However, there may be slight changes in the Toyota car insurance claim process from company to company.

Documents Required for Claim Process

For Accidental Damages

  1. Insurance Policy Documents or Photocopy of the Policy

  2. Copy of Registration Certificate

  3. Original Tax Receipt

  4. Photocopy of Driving License as well as the original (of the person driving the car whilst the accident)

  5. FIR or Police Panchanama (for bodily injuries or death to third party and/or his/ her property)

  6. Expenses coming from repair of car.

  7. Payment Receipts/ Repair Bills involved in repair of damages.

For Theft Related Damages

  1. Original policy document

  2. Registration book along with theft endorsement from the concerned Regional Transport Office plus tax payment receipt

  3. Details of the insurance policy, such as policy number, period of insurance, and the insurance company

  4. All the booklets, keys, and warranty cards issued during the purchase.

  5. FIR or Panchanama in supplementary to JMFC report / Final Investigation Report.

  6. Acknowledged copy of letter addressed to the Regional Transport Office

Toyota Car Insurance Renewal Process

  1. For renewal process, the person must return to PolicyX Insurance Web Aggregator from where the policy is purchased.

  2. Then, go to car insurance category of the website, enter the details of the car and also the personal details like mobile, email ID, name.

  3. You will get two options Renewal and New Car, from which you have to choose renewal. Also, mention whether the policy is expired or is going to expire.

  4. Click “Continue” and you will receive 15+ car insurers with diverse premium values (including tax), benefits, claim service ratio.

  5. Select the insurer from which current policy is taken and compare. Afterwards, look for optional covers like zero depreciation, invoice price cover, etc.

  6. Proceed for the payment after checking the premium amount. Premium can be submitted using any online modes like Debit card/ Credit cards/ Net Banking, etc.

  7. The payment is confirmed and receipt of payment is generated online. The print of same has to be taken out for evidence.

FAQs

1. What is the first step to take after the car accident?

The first and most critical part is to inform the police on severe/ unimportant damages to the car or third party. File an FIR and give proper information of the accident happened.

2. How to make faster claim settlement under an accidental claim?

The basic to get faster claim settlement is to share immediate information of accident with the police and insurer with supporting evidence like car accident photos, car number, witness, third party details, etc.

By timely updating the information, the insured car can enjoy hassle free claim process without any obstruction.

3. On which factors Toyota car insurance premium is calculated?

The premium is calculated with respect to following factors such as-

  • IDV Value of the Car

  • Engine Cubic Capacity, Fuel Type, City Of Registration

  • Model And Manufacturing Date Of Car

  • Profession of the Car Owner

4. How claims can be communicated to the insurer?

The claim can be notified by calling toll free number or customer care number of the insurer. The number is mentioned over the policy document.

5. What are cashless claims in car insurance?

Cashless claims are the claims which are directly paid by the insurer without picking the pocket of car owner. On making a valid claim, the insurer will settle the admissible amount of expense.

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