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  • Coverage against various risks
  • Covers third-party liabilities
  • Add-ons available to fortify coverage
 

What is car insurance for Toyota vehicle?

Car insurance cushions you financially if your Toyota vehicle suffers damages due to natural or man-made calamities such as fire, explosion, lightning, theft, burglary, etc. Commonly known as Toyota car insurance, it also comes in handy when covering third-party liabilities. Having this insurance gives you peace of mind as you know you are covered in case of any eventualities.

Features of Toyota car insurance

Toyota vehicle insurance has the following features:

Extensive coverage

Your Toyota car is subject to several perils. While some are natural, others are man-made. The Toyota car insurance policy offers robust protection against such risks that can damage your vehicle and result in significant out-of-pocket expenses. These risks include flood, frost, accidents by external means, etc.

Third-party liability

There can be instances where your Toyota car is involved in accidents causing damage to a third party. Such damages can result in bodily injury, death or property damage. These can lead to expensive legal liabilities and long-drawn court battles. Toyota auto insurance helps you easily cover such liabilities without breaking a sweat.

Personal accident cover

Comprehensive car insurance comes with personal accident cover. This cover is handy in case you suffer any injury while driving your Toyota car. The personal accident cover helps cover hospital bills and ensures you don’t end up dipping your savings. Even a few days of hospitalisation can result in bills running into several lakhs of rupees.

Add-on covers

Add-ons are additional covers you can add to your base policy for enhanced protection. Car insurance offers various add-on covers that further help you fortify coverage. Some of these are zero depreciation cover, roadside assistance cover, key protect cover, return to invoice cover, etc. You can choose the one that best fits your needs by paying an additional premium.

Benefits of Toyota car insurance

Toyota vehicle insurance offers these potential benefits:

Reduced expenditure

Repairing a damaged car can be an expensive affair. Depending on the nature of the damage, repair costs can be significantly high. Toyota car insurance compensates you for the damages suffered as per the policy’s terms and conditions. This helps reduce expenditure to a great extent.

Prevent penalties

Driving without a valid third-party insurance policy can result in penalties. A valid car insurance helps you prevent such penalties and be on the right side of the law.

Customisable policy

You can customise your Toyota car insurance by opting for add-ons. Some of the popular add-on covers include zero depreciation, engine protection cover and pay as you drive, etc.. You can choose them based on your car usage and needs.

What are the types of car insurance?

There are primarily two three of car insurance policies. These are:

Comprehensive insurance policy

A comprehensive car insurance policy covers your own damage along with third-party liabilities. True to its name, it offers comprehensive protection. While the premium for this policy can be a little high, it offers a well-rounded 360-degree protection for your car.

Own damage insurance policy

An own damage car insurance protects your vehicle against losses or damages incurred due to accidents, theft, fire, natural disasters or vandalism. This policy can be customised by opting for add-ons like zero deprecation cover, engine protect cover, pay as you drive cover, etc.

Third-party vehicle insurance

This type of car insurance policy covers only third-party liabilities. It doesn’t include own damage cover. Since it covers only third-party liabilities, the premium is slightly lower than a comprehensive policy. It’s mandatory to have at least this policy while driving your car on Indian roads.

How to apply for Toyota car insurance online?

Applying for Toyota car insurance online is simple. All you need to do is:

  • Visit the official website of ICICI Lombard. You can search for our website through a simple online search or click here.
  • Next, go to the 'Motor Insurance' section at the top-left corner and Once you Click over 'Motor Insurance,' you'll find 'Car Insurance' in the dropdown.
  • Once you click 'Car Insurance', you'll find a form in the top-right corner. Enter your the details and click on 'Get Quote'
  • Follow the instructions on the page and pay the required premium. Upon premium payment, you'll receive a soft copy of the policy on your registered mobile number and registered email address.

What’s covered and not covered in car insurance?

  • Inclusions
  • Exclusions

Inclusions

  • Any loss or damage to your vehicle and / or its accessories due to fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide, etc.
  • Any loss or damage to your vehicle and / or its accessories due to burglary, theft, riot, strike, malicious act, accident by external means, any damage in transit by road, rail, inland waterway, lift, elevator or air etc.
  • Legal liability against a third party due to accidental damage for any permanent injury/death of a person or damage caused to property.
  • Personal accident suffered while travelling, mounting or dismounting your car.

Process to renew Toyota car insurance online

Here’s how you can renew your Toyota auto insurance policy online:

  • Visit our official website. You can click here or do a simple online search for our website.
  • Go to the 'Renewals' menu on the top right corner and click on 'Car Policy' from the dropdown
  • Choose between 'Policy Number' or vehicle's registration number for renewal
  • Click on 'Proceed', follow the instructions and pay the renewal premium to renew your Toyota vehicle insurance

How to file a claim for car insurance policy?

To make a claim from your ICICI Lombard car insurance:

1

Inform us

Call our toll-free number, use our website or IL TakeCare App to report the incident. Try to inform us as soon as possible after the damage. This helps us start the claim process quickly.

2

Complete your video survey

Get your loss assignment/digital survey done via our IL TakeCare App. Ensure to add details like short description of damage and its location, date and time.

3

Submit your documents

Share all necessary documents along with the filled claim form. This includes your registration, license, policy and any other required papers.

Note: For more details, please click here.

Documents required for car insurance claims

Here are the crucial documents you need to raise a claim from your Toyota car insurance:

  • Registration certificate
  • Driving license
  • Policy copy
  • FIR or police report (depending on loss type)
  • Garage estimate
  • Repair invoice

Note: Please check with the insurance company for the complete list of documents required.

Note: The aforesaid list is only illustrative not exhaustive

Frequently asked questions

Can I buy Toyota auto insurance online?

Yes, you can easily buy Toyota auto insurance online through the insurer's official website. It’s a simple process that requires basic car and personal details. You can also compare plans and choose what fits best.

What does a Toyota car insurance policy cover?

A Toyota car insurance policy typically includes coverage for damages due to accidents, theft, natural calamities and third-party liabilities, among others.

Are there any special add-ons with Toyota vehicle insurance?

Toyota vehicle insurance often offers useful add-ons like zero depreciation, engine protect, roadside assistance, and return to invoice. These provide enhanced protection for your car. You can select them based on your driving needs.

Is cashless repair available under Toyota vehicle insurance?

Yes, most Toyota vehicle insurance policies offer cashless repair services at network garages. This means you don’t have to pay upfront for covered repairs. The insurer settles the bill directly with the garage.

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