IFFCO Tokio Standalone Own Damage Car Insurance

Get Car Insurance starting at only ₹2,094/year #
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An IFFCO Tokio Standalone own damage car insurance helps a policyholder save up on repair expenses in case his/her car meets with an unforeseen incident such as fire, theft, etc. This policy offers coverage only for own damages sustained by the insured car and can be purchased along with third-party car insurance.

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  • 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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      Key Features of IFFCO Tokio Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Yes
      Mandatory No
      No Claim Bonus Yes
      Add-on Covers Offered
      Zero Depreciation cover Yes
      PA Cover Upto Rs. 15 Lakh

      Coverage Under IFFCO Tokio Standalone Own Damage Car Insurance

      • Damages sustained by the insured car due to earthquakes, cyclones, floods and other natural calamities
      • Losses arising out of theft, housebreaking or burglary
      • Damages arising out of external means such as a road accident
      • Damages caused to the insured car due to fire, explosion or self-ignition 
      • Damages sustained by the insured car while it was in transit via rail, road, air or water
      • Third-party property damage, death or injury to the third party due to the insured car
      • General wear and tear, depreciation sustained by the insured car
      • Consequential loss arising out of the insured car
      • Damages when the driver was driving the insured vehicle under the influence of alcohol
      • Losses sustained by the insured car when the driver was not carrying a license
      • Accidental damages caused to a third party due to the insured car
      • Mechanical or electrical failure sustained by the insured car is not covered

      Add-ons Under IFFCO Tokio Standalone Own Damage Car Insurance

      The coverage of an IFFCO Tokio car insurance policy can be enhanced by purchasing additional covers along with your plan. These add-ons include:

      • Depreciation Waiver Cover
      • Roadside Assistance Cover
      • Engine and Gearbox Protection Cover
      • NCB Protect Cover
      • Consumables Cover
      • Loss of Key Cover
      • Tyre Replacement Cover

      How to Buy IFFCO Tokio Standalone Own Damage Car Insurance Policy?

      An IFFCO Tokio Standalone car insurance policy can be bought online as well as offline. However, purchasing it online is a simple process and can be done in just a few minutes. 

      Here is how to buy IFFCO Tokio OD car insurance online from Policybazaar.com:

      • Visit the official of Policybazaar Insurance Brokers Private Limited
      • From the homepage, click on the ‘Car Insurance’ tab
      • On the next page, enter your car number and proceed
      • Select your car details such as make, model, variant, RTO and registration year from the next few pages
      • You will now be able to find OD car insurance plans from multiple insurers. Select the IFFCO Tokio OD plan from the list
      • Select additional covers that you wish to add to your plan
      • Pay the final premium amount via online payment modes 
      • After completing the payment, your IFFCO own damage car insurance policy documents will be sent to your email address.

      Documents Required to Raise IFFCO Tokio Standalone Own Damage Claim

      To raise an IFFCO Tokio OD claim, you will be required to submit the following documents to the insurer:

      • Copy of IFFCO Tokio own damage policy
      • Copy of car’s registration certificate
      • Copy of Police FIR
      • Bills and repairs of estimates
      • KYC verification
      • Copy of driving license of the driver
      • Claim form (Duly filled)

      FAQs

      • Q1. Is own damage car insurance mandatory?

        Ans: No. An OD car insurance is not a mandatory cover as per the Indian Motor Laws but a recommended one as it covers your car from unforeseen damages. Only having third-party car insurance is mandatory as per the motor laws.

      • Q2. Will my OD car insurance cover third-party liabilities?

        Ans: No. An own damage car insurance policy only covers any own damage sustained by the insured car due to unanticipated incidents such as accidents, theft, fire, etc. This policy does not cover any third-party liability and can be purchased along with a third-party car insurance policy.

      • Q3. Can I calculate the OD premium before purchasing a plan?

        Ans: Yes. By using a Car Insurance Premium Calculator, you can calculate the premium of an own damage car insurance plan before purchasing it. Simply enter your car details in the tool and it will calculate the OD premium based on the submitted details.

      • Q4. How is own damage car insurance different from IFFCO comprehensive car insurance?

        Ans: An IFFCO Tokio OD car insurance policy only covers own damages sustained by the insured car due to an unanticipated incident whereas comprehensive car insurance covers both third-party liabilities and own damages sustained by the insured car.
        Moreover, an OD cover can be purchased if you already have third-party car insurance to increase the insurance coverage whereas a comprehensive cover is a package policy that includes both third-party and own damages in one policy.

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