Q1. Is getting IFFCO Tokio comprehensive car insurance worth it fully?

Ans: Yes. A comprehensive car insurance policy is worth it as it offers both third party and own damage cover. The premium of comprehensive insurance may be higher but the coverage it offers is wide and worth it.

Q2. Is DOC included in comprehensive car insurance?

Ans: No, Driving Other Cars (DOC) insurance is not included in fully comprehensive car insurance.

Q3. What is the claim settlement time for IFFCO Tokio comprehensive car insurance?

Ans: For IFFCO Tokio comprehensive car insurance claim settlement time is 4 hours. However, it is advised to go through all the terms and conditions.

Q4. What are exclusions from comprehensive car insurance?

Ans: Depreciation, mechanical and electrical breakdown, damage caused to a car when a driver had an invalid licence are some of the exclusions of comprehensive car insurance.

Q5. What is the claim rate for IFFCO Tokio car Insurance?

Ans: The claim settlement ratio of IFFCO Tokio car insurance is 95.8%.

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IFFCO Tokio Comprehensive Car Insurance

IFFCO Tokio comprehensive car insurance is an extensive vehicle insurance plan covering the policyholder against own damages and third-party liabilities. Damages arising out of incidents like accidents, fire, theft, calamities along with third party death, disability and property damage are covered under this car policy by IFFCO Tokio General Insurance Company.

Benefits of IFFCO Tokio Comprehensive Car Insurance

IFFCO Tokio car insurance has many benefits, which makes it a perfect kind of insurance for those who are protective about their vehicle and want to give it complete protection. Below are some of the benefits of comprehensive car insurance.

Accidental Coverage: With comprehensive car insurance, a policyholder can claim for accidental damages sustained by his/her car.
Coverage against theft: Incidents of theft such as vehicle theft are common in our country. With a comprehensive car insurance policy, you can get compensated against the losses arising out of theft or burglary.
Fulfils Legal Mandate: Having a valid comprehensive car insurance policy also fulfils the legal mandate of the Motor Vehicles Act, 1988.
Covers Personal Accident: With a PA Cover offered along with a comprehensive car insurance policy, you can also get compensated in case the owner/driver of the car dies or gets injured during an accident.

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Coverage Under IFFCO Tokio Comprehensive Car Insurance

The coverage offered under a car insurance policy by IFFCO Tokio General Insurance Company is mentioned below.

What is Covered?
What is not Covered?

Losses that an IFFCO Tokio comprehensive insurance policy covers are:

Damages due to strikes, riots and other manmade acts are covered
Losses arising out of theft of the insured car
Death, disability or property damage of the third party involved in an accident with the insured vehicle
Natural calamities like cyclones, hurricanes, etc leading to damage to the insured four-wheeler
Damages to the insured vehicle while it was in transit are included in policy coverage

Contingencies that are excluded from comprehensive car insurance coverage are:

Damages to the insured car caused due to drunk driving
Accidental damages to the insured car when being driven for other purposes
Losses as a result of civil or nuclear war
Depreciation sustained by the insured car and its parts won't be compensated for at the time of accident
General wear and tear of the insured car
When the car is being driven without a valid driving licence and sustained damages

Add-ons Under IFFCO Tokio Comprehensive Car Insurance

The coverage of an IFFCO Tokio comprehensive car policy can be enhanced by purchasing the following additional covers:

Depreciation Waiver Cover
Roadside Assistance Cover
Engine and Gear Box Protection Cover
Consumable Cover
Loss of Key Cover
Tyre Replacement Cover

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How to Purchase IFFCO Tokio Comprehensive Car Insurance?

Below we have mentioned some simple steps to comprehensive car insurance online by IFFCO Tokio General Insurance Company Limited:

Visit Policybazaar.com and select the “Car Insurance” tab
Enter your car number in the given form
Select the details of your car such as RTO, make, model, variant, registration year
Select IFFCO Tokio comprehensive car insurance plan from the list of plans
Select add-ons that you wish to include
Pay the final premium amount via online payment mode
Once you have made the payment, your car policy document will be sent to your email id.

Documents Required to Raise a IFFCO Tokio Comprehensive Car Insurance Claim

To make a claim under the IFFCO Tokio comprehensive motor insurance policy, you need the following documents:

Car insurance policy
Car registration certificate (RC)
Valid ID of policyholder
KYC
Driving License (DL)
Fitness certificate for the insured car
Copy of Police FIR

IFFCO Tokio Comprehensive Car Insurance FAQs

Q1. Is getting IFFCO Tokio comprehensive car insurance worth it fully?

Ans: Yes. A comprehensive car insurance policy is worth it as it offers both third party and own damage cover. The premium of comprehensive insurance may be higher but the coverage it offers is wide and worth it.
Q2. Is DOC included in comprehensive car insurance?

Ans: No, Driving Other Cars (DOC) insurance is not included in fully comprehensive car insurance.
Q3. What is the claim settlement time for IFFCO Tokio comprehensive car insurance?

Ans: For IFFCO Tokio comprehensive car insurance claim settlement time is 4 hours. However, it is advised to go through all the terms and conditions.
Q4. What are exclusions from comprehensive car insurance?

Ans: Depreciation, mechanical and electrical breakdown, damage caused to a car when a driver had an invalid licence are some of the exclusions of comprehensive car insurance.
Q5. What is the claim rate for IFFCO Tokio car Insurance?

Ans: The claim settlement ratio of IFFCO Tokio car insurance is 95.8%.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in