Land Cruiser Prado Car Insurance Renewal Online
Land Cruiser Prado
PX step

Compare Car Insurance Quotes Online


Land Cruiser Prado Car Insurance

The Toyota Land Cruiser Prado is a 4x4 vehicle offered by Toyota Motor Corporation. It belongs to the Land Cruiser series of vehicles sold by Toyota worldwide. The car that was launched worldwide in 2009 was introduced in India in 2018 after a major revamp. In January 2020, Toyota stopped production of the car due to the new BS6 regulations.

Key Features of Toyota Land Cruiser Prado

The Land Cruiser Prado has been referred to as the Baby Land Cruiser. It has a 3-litre engine V6 engine with 5-speed automatic transmission. The car is available in both petrol and diesel variants. It offers a mileage of 11 km/l on highways. The fuel tank capacity is 87 litres.

The Land Cruiser Prado has a 4WD system with multi-terrain mode. The car is built with the best safety features that include 7 airbags, ABS with EBD, stability control, crash sensor, and tyre pressure monitoring system. The car boot space is 620 litres.

The key features of the Land Cruiser Prado include:

  • Power steering
  • Power windows
  • Heated seats
  • 8-inch infotainment system
  • Cruise control
  • Keyless entry¬†
  • Leather seats
  • Rear spoiler

Premium for Land Cruiser Prado Car Insurance

The premium amount for the Land Cruiser Prado depends on factors like the year of registration of the car, the model and variant of the car and the city/place of registration. The following table has details of the car premium for different models:

Car Variant

Price of the Car


Zero Depreciation

(Add On)*


Toyota Land Cruiser Prado VX Petrol 3956 cc





Toyota Land Cruiser Prado VXL Diesel 2982 cc





*The prices are calculated for a 2018 Land Cruiser Prado registered in New Delhi.


  • Accidental damage to the vehicle is included in the policy.
  • Damage caused to the property of a third party is also included in the policy.
  • Any injury to self is included under the purview of personal accident cover of the policy.
  • Any injury caused to a third party in an accident is included and the insurer will bear the liability.
  • Theft of the vehicle is included, allowing you to claim for losses.
  • Any damage to the vehicle that is caused by arson, vandalism, riots, or any such man-made hazards is included.
  • Damage to the vehicle due to natural calamities like floods, earthquakes, and landslides is covered.
  • Damages caused during transit are included in the policy.


  • Damage to the engine or engine parts is not included.
  • Electrical and mechanical breakdown is excluded from coverage.
  • In the case of enemy hostilities, war, invasion, or nuclear warfare, coverage is not provided.
  • If the car suffers consequential damage as a result of the actions of the driver, it is not covered by the policy.
  • In case of any deliberate damage to the vehicle, claims are not allowed.
  • Driving when under the influence of drugs or alcohol is excluded.
  • Driving without a valid driving license is excluded.
  • Driving the car for any illegal purpose or for commercial use is not allowed.
  • Damage caused due to riots is excluded if the policyholder was involved in the riots.
  • All claims related to general wear and tear or claims related to the replacement of consumables and accessories are excluded.


Add-ons for your Land Cruiser Prado will provide extra coverage. Let's take a look at a few of them.

  • NCB protector: is a very important add-on. It allows you to retain the no claim bonus you have accumulated on your car policy. Even if you make a claim, the NCB will not be reduced if you have this add-on.
  • Consumables cover: is an add-on cover that allows you to make a claim for the cost of consumable items like engine oil, coolant, etc which is disallowed normally.
  • Daily allowance: will ensure that you get a fixed amount of money as an allowance so that you can hire a replacement for your car when it is under repair after an accident.
  • Loss of personal belongings: is a cover that allows you to claim the cost of baggage, clothes, and other personal belongings kept in your car if it is stolen from the car.

Renewal Process

The process of renewing the insurance for your Land Cruiser Prado is quite simple when you get it done through The following procedure explains how it can be done:

  1. Search for the form by scrolling up to the right-hand top corner of this page.
  2. You will have to enter the registration number of your car and click on 'Get Quotes'. Alternatively, you can also click on 'Proceed without your car number', enter the details (such as the Car Make, Variant, RTO Code, and Reg. Year) and select the 'Renewal' radio button before you click 'Proceed'.
  3. You can either choose to go ahead with your current car insurance plan or opt for another suitable option from the provided list of quotes.
  4. Make the payment and you will get a confirmation mail and a copy of the policy on your registered email-id.

Frequently Asked Questions (FAQs)

1. My Land Cruiser Prado car met with an accident on the highway. I need to get it towed to the garage for repair. Can I claim towing charges?

Towing of the car to the garage is a part of road assistance service. If you had opted for the 24x7 road assistance add-on, then the assistance on the road is included in the policy. Towing would then have been taken care of by the insurer.

2. My tires were completely damaged in the accident but when I made a claim, the tire costs were excluded. Why is this so?

Cost of replacement of tires or tire parts is not included in your car insurance policy. If you want it to be included, then you need to get an additional add-on cover for your car, known as Tyre protector. This will ensure that the cost of tyres and tubes will be included.

3. Due to an accident, the door of my Land Cruiser Prado was damaged and the lock was also damaged. Can I get the lock changed and claim it under the insurance?

Damage to the door is covered under the insurance and will be reimbursed. However, damage to the lock and key is not covered. If you had taken a key and lock protector add-on to your insurance, then your claim will be accepted and reimbursed.

4. My car met with an accident but the amount reimbursed was less for a one-year-old car. Why is this so?

The amount reimbursed under a claim is affected by depreciation. Further, the total amount insured would be as per the Insured declared value (IDV). If you had opted for zero depreciation cover, then depreciation would not have been calculated. Had you opted for invoice price cover, the invoice amount paid would have been considered instead of the IDV.

5. Can I claim the insurance on the damage to my personal belongings inside the car caused due to mildew?

No, damage caused by mildew, moth or vermin is excluded under personal belongings add-on cover.

Last updated on 18-11-2020