Innova Crysta Car Insurance Renewal Online

Innova Crysta Car Insurance
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About Innova Crysta Car Insurance

Toyota Innova, manufactured by the Japanese automobile giant Toyota, is a compact MPV. Initially produced in Indonesia, it is known as Toyota Kijang Innova in that country and Toyota Innova in others, including India. It is said that the word Innova is derived from the English word "innovation". Launched in the year 2004, Toyota Innova was sold in large numbers as a MUV in India. Today, it is known as Innova Crysta, which is the second generation available in twelve variants. It was upgraded in the year 2016. Some of its closest MPV rivals are Tata Hexa, Kia Carnival and Mahindra Marazzo.

Key Features of Toyota Innova

Powered by 2.4 litre GD diesel engine, the Toyota Innova produces the maximum power of 147bhp and torque of 343Nm. The 2.8 litre petrol unit, on the other hand, produces 171bhp of maximum power and 360Nm of torque.

As for transmission options, the Innova is available with both automatic of a 6-speed gearbox and manual transmission of 5-speed gearbox. Where the former is only available on the top-spec variants, the latter is available for all.

In terms of performance, Toyota Innova is believed to provide 15.10 km/l of mileage in 2.4 litre engine and 14.29 km/l of mileage in 2.8 litre engine. The fuel tank capacity of this MPV is 55 litres in Diesel and 65 litres in Petrol engine. Both the engine variants take about 13 seconds to move from 0 to 100kmph and can attain the top speed of 175kmph.

Considering the vehicle is known for its space, the MUV has a foldable seat that can be used as a table on the back for keeping a small laptop. Where the front and second row are spacious, the third row is enough to accommodate two adults, leaving a little less space for the third occupant. Nonetheless, this vehicle is available as both 7 and 8 seat layout.

Equipped with a myriad of features, this MUV apart from its spacious interiors is also popular for its exteriors that have a chrome finish front grille. It also has automatic projector headlamps, ambient illumination, cooled-glove box, airbag, back monitor, child restraint system, clearance and back sonar, and a 4.3-inch TFT multi-information display that comes with a DVD player.

Premium for Toyota Innova Car Insurance

Toyota Innova's car insurance premium rates may vary amongst different companies. This is because several factors are taken into consideration when adding up to that cost. This includes your Innova's age, the make and model, the condition it is in, the terrain you will drive-in, its Insured Declared Value (IDV), and the displacement it provides.

Refer the table below to get a brief idea about how the IDV and the premium rates of your Toyota Innova are going to be.

Car VariantPrice of the CarIDV*Zero Depreciation (Add on)*Premium (Basic)*
Innova Crysta G 7 Seater (2494cc)Rs.16,14,000Rs.8,76,312Rs.3,943Rs.31,843
Innova Crysta VX (2494cc)Rs.20,59,000Rs.11,52,370Rs.5,158Rs.32,235
Innova Crysta ZX 7 Seater (2494cc)Rs.22,13,000Rs.11,91,738Rs.5,363Rs.32,506

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

Inclusions & Exclusions of Toyota Innova Car Insurance


  • Cover for the damage caused to your car in case of an accident.
  • Cover against loss or damage to the third party along with their property.
  • Cover against disability or death due to an unforeseen accident.
  • Cover against damage or loss due to natural calamities such as floods.
  • Claim for total loss due to theft.
  • Claim for damage caused due to man-made disasters such as riots, terrorism, fire, strikes, etc.
  • Avail cashless claims at network garages.


  • Damage or loss to your car after your policy expires.
  • Damage or loss caused due to rebellion, war, invasion or terrorism.
  • Damage caused when drunk driving.
  • Damage caused due to lack of maintenance and age.
  • Damage caused due to carelessness.
  • Damage caused due to staged or deliberate incidents.
  • Damage caused when driving without a license or when violating the traffic rules.
  • Damage or loss due to forbidden activities such as car racing.

Add-ons Benefits

Some of the excluded benefits can be a part of your car insurance policy using add-ons. These can be included at an additional cost. Some of them are:

  • Return to Invoice Cover where you can make a claim for the total loss of your car at the rate of purchase. Hence, you will be compensated with the original on-road price of the car.
  • Roadside Assistance Cover allows you to claim for services used at the time of emergency such as a breakdown of your car in the middle of nowhere. You can claim it for services such as refuelling, towing, tyre change, and more.
  • No Claim Bonus Protection will save you even if you end up making a small amount of claim. Hence, it can protect your discount, which starts from 20% of your premium from the first claim-free year and may reach up to 50% by the end of 5 claim-free years.
  • Passenger Cover will protect all the occupants of the car apart from the driver in case of death or disability caused during an accident.

Renewal Process of Innova Car Insurance

You can renew your Toyota Innova's car insurance within minutes on To begin now, scroll up on this page and find for the form on the right-hand top corner. The next few steps from there are easy to follow:

  • 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.
  • You can go ahead with your current car insurance plan or opt for another suitable option from the provided list of quotes.
  • Once chosen, you can make the payment on the insurance provider's online portal.
  • In only a matter of a few minutes, your car insurance policy document will reach your inbox.

Toyota Innova Crysta Car Insurance: FAQs

1. My Toyota Innova is 6 years old. Can I purchase an Engine Cover add-on to protect it against engine damage?

No. Most insurance companies do not offer this cover for cars that are more than 5 years of age.

2. Will I have to pay extra even if I have Zero depreciation add-on cover?

Zero Depreciation add-on does not offer 100% coverage. Hence, every policyholder must shell out a percentage of the claim, which is called compulsory excess.

3. Can I transfer my NCB Protection add-on along with my NCB discount?

No. You can only transfer the No Claim Bonus to another car or policyholder and will have to purchase the add-on again for the other car.

4. My Innova's backseat caught fire and is damaged to a great extent. Will the replacement get covered under my insurance?

Yes. Your car insurance will cover the damage caused to your backseat due to fire.

Last updated on Aug 2022