IFFCO Tokio Car Insurance

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IFFCO Tokio car insurance plans have been designed to cater to the needs of car owners who wish to plan ahead for any accidental damage to their cars. General Insurance Company offer coverage for any third-party legal liabilities and own damages sustained by the insured vehicle.

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  • 4300 Cashless garages

  • Plan starting @ ₹2094#

  • 95.8% Claim settlement ratio

Car Insurance

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
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      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.  

      With its diverse range of products, such as motor insurance, the company ensures 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
      No. of Zero Dep Claims Unlimited
      No. of Comprehensive Claims Unlimited

      Benefits of IFFCO Tokio Car Insurance

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

      • A vast network of 4,300 network garages/workshops to provide easy claim settlement.
      • The insurance company offers hassle-free claim processing and simple documentation.
      • IFFCO Tokio car insurance offers a pan India helpdesk for 24x7 assistance relating to claims. IFFCO Tokio car insurance claim settlement ratio is 95.80%.
      • The company also offers Personal Accident Cover to 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 car 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 car 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 car 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.

      IFFCO Tokio Car Insurance Premium Calculator

      By using an IFFCO Tokio Car Insurance Premium Calculator, you can calculate the estimated car 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.
      • Manmade Acts: 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.
      • 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 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 are also not covered.
      • Unauthorized Usage: Damages sustained by a private car used for commercial purposes are 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
      Personal Belongings Cover

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

      Belongings like laptops, mobile phones, and jewellery are included.

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      Medical Expenses Cover

      If the driver or the co-driver gets injured in an accident, this cover will provide compensation to the policyholder

      for the expenses incurred on getting an ambulance and medical treatment.

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      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.

      This depreciation is not covered under a standard car insurance plan.

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      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 retains the NCB even if a claim has been made during the policy year.

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      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 repairing the covered vehicle.

      The services would cover dead batteries, spare key pick-up and delivery (in case of locked keys), flat tyre services, and other minor mechanical and electrical repairs at the roadside.

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      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.

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      Return to Invoice Cover

      Under the return to invoice 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.

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      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.

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      Key Replacement Cover

      The Key Replacement cover compensates the policyholder for

      lost or misplaced car keys in case the insured car gets stolen.

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      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.

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      Consumable Cover

      Under consumables add-on cover, the insurance company will compensate for the expenses incurred on replacing or renewing the consumables used in repairing the insured car.

      Consumables include nuts, bolts, engine oil, etc.

      Read more
      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.

      Read more
      View more Add-ons

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
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      Key Replacement Cover
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      Rim Damage Cover
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      Car Accessories Cover

      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 1: Click on the “Car Insurance” tab from the homepage 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 the 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 online

      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.

      How to File a Claim Under IFFCO Tokio Car Insurance

      You can file a claim under IFFCO Tokio car insurance by following these steps:

      1

      Inform the Company:

      Inform the car insurance company about the incident involving your car as soon as possible so that they can register your claim.

      2

      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.

      3

      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.

      4

      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.

      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

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      FAQs

      • Q4: 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 come with 3-year third-party cover and 1-year OD 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.

      View more FAQ’s

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      Average Rating
      (Based on 92 Reviews)
       Why buy from policybazaar
      IFFCO Tokio Car Insurance Reviews & Ratings
      4.4 / 5 (Based on 92 Reviews)
      (Showing Newest 10 reviews)
      Gurmeet
      Chandigarh, February 15, 2024
      Faster claim settlement
      Earlier I used to think that the insurance companies only raise claims, but do not provide faster claim settlement but policybazaar changed my thought. When my Maruti Suzuki Swift Dzire broke down, I got the claim settlement very quickly, Thank you Mr. Satish. I am grateful to an executive who suggested this IFFCO Tokio comprehensive insurance policy to me.
      Rudar
      Nagpur, February 08, 2024
      Helpful executive
      Customer support executive who was suggesting and helping me find a better plan for my Maruti Wagon R car was very good at his job. The interaction with Policybazaar team was fruitful. I chose the Iffco Tokio limited third party plan under the guidance of an Mr. Raman executive. The services were very smooth.
      Mohan
      Delhi, December 19, 2022
      Iffco Tokio Car Insurance
      Anyone who will buy any kind of plan from Policybazaar will definitely love to come here again as Policybazaar provides excellent service to its customers. When I was buying IFFCO Tokio third party car insurance for my Swift car, Policybazaar took care of my needs.
      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.

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