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Etios Cross Car Insurance

Produced by the Japanese automobile manufacturer, Toyota, Etios Cross is a subcompact car that comes as a series of four-door sedan and five-door hatchback. Where the hatchback version takes the original name, the sedan version is known as Toyota Liva in the Indian market. The sales of the Etios series alone reached 100,000 units in India in the year 2012. However, due to Bharat Stage 6 coming into effect in April 2020, this Toyota model has been discontinued. This was done as Toyota was not keen on upgrading the hatchback to meet the new emission standards. However, it will soon be replaced by other models in the country.

Key Features of Etios Cross

The hatchback comes with both petrol and diesel variants. The two petrol engines are 4-cylinder 16V, DOHC, however, come with two different specifications. Where one petrol variant gives a maximum power of 79 bhp, the other gives 89 bhp. The diesel engine, on the other hand, is 4-cylinder 8V, SOHC, D-4D. It provides a maximum power of 67 bhp.

A Front Wheel Drive, the Etios Cross comes with both automatic and manual transmission having 5-speed gearbox.

In terms of performance, this hatchback by Toyota is known to give 12% better mileage than any other crossover. With a fuel tank capacity of 45 litres, the petrol engine with manual transmission gives a mileage of 18.3 km/l and the diesel engine with manual transmission provides 23.6 km/l.

To attain the speed of 100kmph from 0kmph, the 1.4 petrol engine takes 12 seconds, 1.5 petrol engine takes 14.1 seconds and the diesel engine takes 16 seconds. The top speeds they all can reach are 180kmph, 165kmph and 165kmph respectively.

The altered dimensions of the car give a bigger cabin to offer more room for the passengers. Compared to the regular model, this car is known to give a more upmarket cabin. Some other interesting features of this car are grille with a guard, roof rail, diamond-cut alloy wheels, infotainment system with USB port and Bluetooth. As for safety and security, the Etios Cross comes with ABS and EBD, immobilizer and keyless entry.

Premium for Etios Cross Car Insurance

The premium for Etios Cross car insurance may differ when it comes to different insurance providers. In order to come up with that price, certain factors are taken into consideration. Those factors are your Etios Cross's age, the make, the model, the current condition, the terrain on which you drive your Etios Cross, the Insured Declared Value (IDV), and the displacement its engine provides.

To further understand the cost of the premium, the Insured Declared Value and the Zero Depreciation cost, you can take a look at the table below.

Car Variant

Price of the Car

IDV*

Zero Depreciation

(Add On)*

Premium*

Etios Cross 1.2 G (1197 cc)

Rs.6,50,000

Rs.3,78,784

Rs.1,244

Rs.13,886

Etios Cross 1.5 V (1496 cc)

Rs.8,02,000

Rs.4,63,904

Rs.1,523

Rs.14,864

Etios Cross D-4D 1.4 VD (1364 cc)

Rs.7,98,000

Rs.4,69,376

Rs.1,541

Rs.14,927

*The values are calculated on the basis of the city (Delhi) and year of registration 2020 (till April).

Inclusions & Exclusion of Etios Cross Car Insurance

Inclusions

  • Loss or damage that was caused to the car due to fire, explosion, flood, storm, lightning, earthquake and other acts of God.
  • Any type of legal liability to the third-party in case of death, injury or damage to their property.
  • Personal accident cover that offers compensation to the car owner if they get injured when driving the car.
  • Damage caused due to an act of terror.
  • Damage caused due to nuclear war.

Exclusions

  • Any consequential loss to the car.
  • Depreciation and wear and tear of your car's parts.
  • Mechanical or electrical breakdown of your car.
  • Accidental damage caused due to drunk driving or under the influence of drugs.
  • If the vehicle was used for other purposes such as racing, commercial use, speed testing, etc.
  • Damage caused to tyres and tubes.
  • Damage or loss to the car's accessories.

Add-ons Benefits

Including the exclusions can come handy with the help of car insurance add-ons. These can be purchased at additional costs.

  • Passenger cover will insure all the passengers travelling with you. It is like a personal accident cover for the passengers as it provides compensation in case of death, injury or disability caused due to an accident.
  • Key Replacement will allow you to make a claim on the cost of purchasing and fitting new locks or replacement of keys if misplaced or stolen.
  • Zero Depreciation cover will allow you to make a claim for a replacement or the repair of the damaged car parts.
  • Return to Invoice Cover will ensure that you can claim for the total loss of your car due to an accident or theft at the price of your car's invoice price.

Steps To Renew Etios Cross Car Insurance Online

You can proceed with the renewal of your Etios Cross car insurance with PolicyX.com's convenient portal. To begin right away, you just need to scroll up on this page and find the form on the right-hand top corner. The next few steps of that point are easy to follow.

  1. You can either enter your car number and click on 'Get Quotes' or click on 'Proceed without car number' and fill the required details to get to the quotes section.
  2. You can go ahead with your current car insurance plan or opt for another suitable option from the provided list of quotes.
  3. Once you have chosen the plan, you can make the payment on the selected insurance provider's online portal.
  4. Within a few minutes of wait, you will have the car insurance policy document reach your inbox.

Frequently Asked Questions (FAQs)

1. Is there any limit to the number of claims one can make for lost car keys?

Yes, your insurance provider will limit the number of claims for lost keys within a policy tenure. It varies from provider to provider.

2. I have fitted extra accessories in my car apart from those by the manufacturer. Can I include those parts when claiming insurance under Return to Invoice cover?

No, your return to invoice cover will not include accessories that were not fitted by the manufacturer or the automobile dealer.

3. The sale of Etios Cross has been discontinued now. How will it affect the Return to Invoice cover add-on?

If the sale of the model of the insured vehicle has been discontinued as on the date of claim, the payable amount of the claim will change. The payable amount will be the difference between the IDV and the latest available market price of the insured vehicle.

4. I got my car keys replaced by a local locksmith. Will I be able to make a claim under the Key Replacement cover?

No, the key replacement cover is only effective if it is carried out at the manufacturer's authorized dealership or the insurance provider’s authorized workshops.

5. The manufacturer of my Etios Cross covers the current need for engine replacement under the manufacturer's warranty. Can I still claim the insurance on the cost of replacement?

No, any loss covered by the manufacturer’s warranty will not be accepted for a claim.

Last updated on 18-11-2020