IFFCO Tokio Car Insurance

IFFCO Tokio Car Insurance plans have been designed to cater to the needs of car owners who wish to plan ahead for any calamity related to their vehicle. These plans by IFFCO-Tokio General Insurance Company offers coverage for any third party legal liabilities and own damages sustained by the insured vehicle.

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* TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.
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Spot Claims Upto Rs. 50,000
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Covers damages to third party property
Covers damages to third party property upt...

Above-mentioned prices are for a 7-year-old Maruti WAGON R AVANCE LXI (998 CC) registered in Gurgaon and 15 days before expiry of previous policy

About IFFCO-Tokio General Insurance Company

IFFCO-Tokio General Insurance Company Ltd. is a joint venture between IFFCO (Indian Farmers Fertiliser Co-operative), Tokio Marine and Nichido Fire Group.  The company believes in building customer satisfaction via transparency and quick response. 

The company with its diverse range of insurance products, such as motor insurance, health insurance, travel and home insurance, ensure that all the assortment of misfortune events are well covered. Apart from conventional insurance services, IFFCO-Tokio General Insurance Company also offers niche products like Cyber Insurance, Credit Insurance, P& I Insurance, Fine Arts Insurance and more. 

Key Features of IFFCO-Tokio Car Insurance

Features Coverage and Benefits
Third-Party Coverage Yes
Incurred claim ratio 84.04%
Personal Accident Insurance Up to 15 Lakhs
Network Garages 703
No Claim Bonus Yes

Benefits of IFFCO Tokio Car Insurance

IFFCO Tokio car insurance offers the following features and benefits to the policyholders:

  • A vast network of 703+ network garages/workshops to provide tranquil claim settlement.
  • Complete peace of mind to customers by covering all possible aspects of calamities, such as natural calamities, physical damage, theft etc.
  • The insurance company offers hassle-free claim processing and simple documentation.
  • IFFCO Tokio car insurance offers pan India helpdesk for 24x7 assistance relating to claims.
  • Well trained in-house surveyors to ensure that every claim is being attended to within the least expected time frame.
  • IFFCO Tokio car insurance claim settlement ratio is 96.80%.
  • The company also offers Personal Accident Cover to the customers under its car insurance plans.

Types of IFFCO Tokio Car Insurance Policy 

The IFFCO Tokio Car insurance offers three four-wheeler insurance policies. These are: 

1. Third-Party Liability Only Policy

The third-party liability motor insurance plan by IFFCO-Tokio General Insurance Company provides coverage to the policyholder against accidental liabilities arising out of third-party property damage, third party injury or death involving the insured car. Under this plan, the third-party liability for injury or death is unlimited and for property damage, the liability is limited to up to Rs. 7.5 lakh. Any damage sustained by the insured car is not covered under a third-party liability policy.

2. Standalone Motor Own Damage Policy

To cover a car owner against damages to an insured car arising due to accident, calamities, theft, etc., the IFFCO-Tokio General Insurance Company offers a Standalone Motor Own Damage policy. This plan can be purchased along with the third party plan to cover the insured car additionally.

3. Comprehensive Car Insurance Policy

This is an all-inclusive IFFCO Tokio car insurance policy to ensure protection from all possible catastrophes involving the insured vehicle. This plan covers a policyholder against damages sustained by the insured car due to events like a road accident, theft, fire, earthquake, etc. The comprehensive plan also offers third-party liability cover against damages arising due to road accidents involving the insured car.

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IFFCO Tokio Car Insurance Premium Calculator

By using an IFFCO Tokio Car Insurance Premium Calculator, you can calculate the insurance premium before purchasing a car insurance plan for your four-wheeler. It can help you know if the IFFCO Tokio vehicle insurance fits within your budget.

Coverage Under IFFCO Tokio Car Insurance

  • Natural Calamities: Damages sustained by the insured car due to natural events, such as earthquakes, floods, typhoons, hurricanes, landslides, rockslides, etc., are included in the plan.
  • Any loss or damage done due to events, such as riots, strikes, malicious acts, etc., are covered.
  • Theft: Damages due to burglary, theft or housebreaking are covered.
  • Fire: Loss to the insured car due to fire, explosion, self-ignition or lightning are also included.
  • Third-party Liability: Third-party property damage, bodily injury or third-party death are also included in the IFFCO Tokio car insurance plan.
  • Damages During Transit: Any damage in transit by road, rail, inland waterway, lift, elevator or air are covered under the plan.
  • Accidental Means: Any damage arising due to external accidental means is also included.
  • Outside Geographical Location: In the event of any loss, damage or liability involving the insured car, which has happened beyond the geographic area as defined in the policy document is not covered.
  • Drunk Driving: No claims shall be paid for any car accident that occurred due to direct or consequential results under the influence of intoxicating liquor/drugs.
  • Invalid Driving License: In case the driver is driving the insured car without a valid driving license, no claims will be included in the plan benefit.
  • War & Related Perils: Any loss or damage due to any war and nuclear perils are not covered.
  • Breakdown: Coverage for mechanical or electrical breakdown is excluded.
  • Wear and Tear: Depreciation and general wear & tear incurred by the insured car is also not covered under the plan.
  • Terrorism Acts: Any malicious act or an act of terrorism is not covered.
  • Unauthorized Usage: Damages sustained by a private car being used for commercial purposes is not included in the car insurance plan.
  • Contractual Liability: The claims which are due to direct or indirect result of any kind of contractual accord or any usage of vehicle other than agreed or defined shall not be accepted under the plan benefit.
  • Consequential Losses: Any kind of consequential loss to the insured car is excluded from the car insurance plan.

IFFCO Tokio Car Insurance: Add-ons

A policyholder can also purchase add-on covers offered by the IFFCO-Tokio General Insurance Company to enhance the coverage of their plan. These add-ons can be purchased on the payment of an extra premium. Take a look at the various add-on covers offered by the insurance company:

  • Personal Belongings Cover

    This cover compensates the policyholder in case of theft or loss of any personal belongings from the insured car.

  • Medical Expenses Cover

    If the driver or the co-driver get injured in an accident, this cover will provide compensation to the policyholder for the expenses incurred on getting an ambulance and medical treatment.

  • Zero Depreciation Cover

    Under the zero depreciation cover, the insurance company will compensate the policyholder with the entire amount of depreciation incurred on the insured car.

  • NCB Protect Cover

    A policyholder receives a No Claim Bonus discount for not claiming in the previous policy year. However, once the claim is made, he/she loses the NCB. An NCB protect add-on cover offers protection against this loss and retain the NCB even if a claim has been made during the policy year.

  • Roadside Assistance Cover

    In the event of the car’s breakdown at the roadside, this plan offers assistance by sending a qualified technician to the site of the incident and repair the covered vehicle. The services would cover dead battery, spare key pick-up and delivery (in case of locked keys), flat tyre services, other minor mechanical and electrical repairs at the roadside.

  • Engine Protection Cover

    The Engine Protection cover compensates the policyholder for the repair expenses incurred in case the insured car's engine or gearbox gets damaged due to water ingression or leakage of oil.

  • Return to Invoice Cover

    Under this add-on cover, the policyholder will get the original invoice price of the car, including the road tax and registration charges, in case the insured car has suffered a total loss.

  • Garage Cash Cover

    The Garage Cash cover pays the policyholder for the amount incurred on hiring another vehicle when the insured car is getting repaired in a network garage.

  • Key Replacement Cover

    The Key Replacement cover compensates the policyholder for lost or misplaced car keys in case the insured car gets stolen.

  • Windshield Glass Cover

    Windshield Glass cover compensates the policyholder for the amount incurred on getting the broken windshield of the insured car repaired or replaced.

  • Consumable Cover

    Under this add-on cover, the insurance company will compensate for the expenses incurred on replacing or renewing the consumables used in repairing the insured car. Consumable include nuts, bolts, engine oil, etc.

  • Accident Cover for Car Passengers

    If a passenger in the insured car sustains bodily injuries or dies, this add-on cover will provide a lump sum compensation amount to the victim or its family for such loss.

How to File a Claim Under IFFCO Tokio Car Insurance?

Filing a claim under IFFCO Tokio car insurance is a simple process. Let’s see how you can do so:

  • Inform the Company: Inform the insurance company about the incident involving your car as soon as possible so that they can register your claim.
  • Keep the Required Documents Handy: To register your claim, you will be required to fill out the claim registration form and attach certain documents with it. Make sure to keep the relevant documents handy.
  • Car Inspection: Once the claim has been registered, the insurance company will send a surveyor who will inspect the insured vehicle and make an estimate of the repairs needed. 
  • Claim Processing: After the inspection is done, the insured car will be sent to the network garage for repairs and the company will pay for all the repairs done. If the repairs have been done in a non-network garage, you will have to pay the repair bill and the insurance company will reimburse the amount later at the time of claim settlement.

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Documents Required to Raise a Claim Under IFFCO Tokio Car Insurance

These are some mandatory documents that you will require to raise a claim under your IFFCO Tokio motor insurance policy:

  • Duly signed claim form
  • A copy of Registration Certificate (RC)
  • A copy of valid driving license
  • Copy of the police complaint (FIR)
  • Original repair bills
  • Insurance policy papers

How to Renew IFFCO Tokio Car Insurance?

To avoid claim rejections, you should renew the IFFCO Tokio car insurance policy before its expiry date. Follow these steps for IFFCO Tokio car insurance renewal online:

Step 1: Go to the Car Insurance page on Policybazaar.com

Step 2. Enter your car number on the renewal form and view instant quotes

Step 3: In the given form, fill in the required details and select ‘View Prices’

Step 4: Select the expiry date of your motor insurance policy and details of your previous claim

Step 5: Find your IFFCO Tokio car insurance renewal plan from the mentioned plans. To view the plan details, select the ‘View Policy Details’ tab 

Step 6: Select the add-on covers you wish to add and select the renewal plan

Step 7: Enter No Claim Bonus of your existing policy and proceed.

Step 8: Fill out the given proposal form and proceed with premium payment.

Step 9: Once the premium is verified, you can make your payment.

Step 10: As soon as the payment is made, your IFFCO Tokio car insurance renewal will be complete. 

You will receive your policy documents at your registered email address.

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FAQs

  • Q1: How to pay a premium for IFFCO Tokio Car Insurance? What are the modes of payment available?

    Ans: The IFFCO Tokio car insurance premium can be paid in 3 modes:

    • Cheque payment at the branch
    • Online payment via credit card, debit card and net banking
    • Payment via mobile app
  • Q2: What is the policy cancellation process for IFFCO Tokio car insurance?

    Ans: You can request the cancellation of your IFFCO Tokio vehicle insurance policy by visiting the nearest branch with your policy documents. You can also contact the customer care through phone or email and request a cancellation. The refunded premium will be directly credited to your bank and intimated to you by an SMS.

  • Q3: How can I contact IFFCO Tokio Car Insurance company?

    Ans: IFFCO Tokio car insurance ensures 100% customer service support through its numerous branches, thickly spread across our nation, and the customer care team. You can reach out to the insurer through the following means:

    • IFFCO Tokio Car Insurance Customer Care Number
    • Email
    • Through the company’s ‘Contact us’ form.
    • By Post 
  • Q4: What documents are required for IFFCO Tokio Car Insurance Renewal Online?

    Ans: Following are the documents required for IFFCO Tokio Car Insurance renewal:

    • Renewal reply form
    • Cheque to pay the premium (In case of offline payment)

    In the renewal reply form, the customer can also incorporate any changes that he wishes to make in the coverage of his IFFCO Tokio Car Insurance policy.

  • Q5: In what situations does IFFCO Tokio car insurance need the policyholder to submit a proposal form?

    Ans: IFFCO Tokio Car Insurance demands a proposal form from the policyholder in case of the following circumstances:

    • In case of a new business
    • In case the insurance policy is renewed by another insurer
    • In case of interest transfer
    • In case of liability, only coverage is being converted to package policy
    • At the time of the insured car’s substitution
    • To make any alterations in the existing policy or at the time of IFFCO Tokio Car Insurance Renewal
  • Q6: How does a policyholder receive the IFFCO Tokio Car Insurance policy copy after the application?

    Ans: You shall receive the IFFCO Tokio Car Insurance policy copy via email as well as post. The hard copy shall be delivered to your Indian address by courier while the soft copy shall be sent to the e-mail ID of the policyholder registered with the insurance company.

  • Q7: For how long is the IFFCO Tokio Car Insurance policy issued?

    Ans: All the motor insurance policies are valid for a term of 12 months, except for brand new cars that comes with 3-year third party cover. However, an extension for a term, not more than 12 months shall be acceptable with due approval from the concerned person or department, to ensure that the renewals of the policyholders fall on the same date or because of some other reason for the customer’s convenience.

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IFFCO Tokio Car Insurance Reviews & Ratings

4.4 / 5 (Based on 89 Reviews)
(Showing Newest 10 reviews)
Hari
Mathura, December 08, 2021
Renewal is easy
Recently i renewed iffco Tokio car policy which I had taken from Policybazaar. i have renewed it in just few steps and without any oversight and documentation. I would like to recommend Policybazaar website to everyone and especially I would suggest everyone to go with the online process.
Anuj
Gondal, November 26, 2021
Good service
Has coverage for third party liabilities claimed by the third party, person and property in iffco tokio car plan. i took car plan from PolicyBazaar and i have paid extra amount for pillion rider cover. overall i have recieved satisfactory service from Policybazaar.
Bhaskar
Madurai, November 23, 2021
Great experience
If one is planning to take insurance for their car, I would recommend Policybazaar to them as I am using iffco Tokio car plan from last two years and have had great experience with Policybazaar. Anyone who will check out the plans offered by Policybazaar, will surely like it.
Rudar
Amroha, November 10, 2021
Claim settlement
Thanks to Policybazaar for guiding me on how the claim settlement process works. I met with an accident and my car got damaged in the accident for which I got claim settlement. my car got cashless repair with the help of iffco tokio car insurance.
Tittu
Rampur, October 07, 2021
Reliable place
Policybazaar is a trusted place where my investment is fully worthy. I have invested my time and money in Policybazaar by taking iffco tokio Car Insurance. I have got great coverage at a low premium in return and never had any issues with Policybazaar.
Gurmeet
Bongaigaon, August 18, 2021
easy to get a plan
i am glad that i decided to buy my car insurance from policy bazaar. easy to get a plan and i got my plan from IFFCO Tokio car insurance. they provide me full support beyond my expectation.i would like to insure more things through policy bazaar
Rjesh
Idar, April 30, 2021
Different insurers
It is good to know that in the policybazaar site you get to know about different insurers at one place. And choose the best plan as per your convenience. I choose the car insurance plan of iffco tokio and it has so many good features lying in it. I am thankful to team.
Ritu
Canning, April 26, 2021
Beneficial plan
I would like to share my review for iffco tokio car plan which I bought from the policybazaar site.I bought the plan for my Maruti Swift car and the model number is 2019. It is one of the best plan which I had. I like the way of working of both the companies and they supported me a lot. Thanks team.
Sonal
Vadgaon, April 23, 2021
Third-party coverage
My life has been sorted when I took the iffco tokio car insurance policy online from the website of the policybazaar. I got the third-party coverage and it will take care of me my car and third-party person/property. A very good plan.
Devarsh
Ichalkaranji, February 01, 2021
CNG/LPG Kit cover
I have CNG kit in my Hyundai i10 so I was a bit apprehensive to buy car insurance from anywhere else but Policy bazaar. I was afraid if any insurer will cover it or not. But trust me you guys made it so convenient. Kudos!