IFFCO Tokio General Insurance is a leading private general insurance company in India, established in 2000 as a joint venture between IFFCO and Japan’s Tokio Marine Group. The company offers reliable car insurance policies along with other general insurance products. It combines strong rural reach with global insurance expertise to deliver reliable and customer-centric services. Over the years, the company has built a strong reputation for transparent policies and efficient claims management. It is registered with IRDAI under Registration Number: 106.
IFFCO Tokio General Insurance Car Insurance offers reliable protection through comprehensive, third-party, and standalone own-damage policies designed for Indian road conditions. It provides wide cashless garage support, quick claim assistance, and useful add-ons like zero depreciation and roadside assistance. With flexible coverage and digital services, it ensures hassle-free policy management for car owners.
Iffco Tokiyo Car Insurance offers a range of features and benefits, including comprehensive coverage, add-ons, and rewards to protect your vehicle and reduce premiums.
| Feature | Details |
|---|---|
| Policy Types | Third-Party and Comprehensive Car Insurance Plans |
| Cashless Repairs | 11,800+ cashless garages across India |
| Easy Claims | Claim intimation and tracking via QCS mobile app |
| Add-ons | Enhanced protection with multiple add-ons available |
| Own Damage Cover | Available under comprehensive and standalone policies |
| Third-Party Damage Cover | Available as per IRDAI regulations |
| Personal Accident Cover | Coverage up to ₹15 lakhs |
| Zero Depreciation Cover | Unlimited zero dep claims (as per policy terms) |
| Roadside Assistance (RSA) | Nationwide roadside assistance support |
| Quick Renewal | Immediate and hassle-free online renewal process |
IFFCO Tokio General Insurance offers motor insurance solutions under clearly defined policy structures with specific wordings aligned to IRDAI guidelines.
This policy (commonly known as Third-Party Liability Policy) covers legal liability towards third-party bodily injury, death, and property damage arising out of the use of the insured vehicle. It is mandatory under the Motor Vehicles Act and issued as per standard IRDAI-approved wording.
The Private Car Package Policy (Comprehensive Policy) provides wider coverage including Own Damage to the insured vehicle due to accident, fire, theft, natural calamities, and man-made perils, along with third-party liability cover. It also allows optional add-ons such as Zero Depreciation, Engine Protect, Return to Invoice, and Roadside Assistance.
This policy covers only Own Damage to the insured vehicle and is designed for customers who already hold a valid Third-Party Liability Policy. It offers flexibility while maintaining compliance with regulatory requirements.
IFFCO Tokio General Insurance offers motor add-ons strictly as per its IRDAI-approved Prospectus and Standard Motor Policy Wordings for Private Cars.
This add-on extends Section 1 of the Private Car Package Policy to waive depreciation on replaced parts during admissible claims, resulting in higher claim settlement, subject to limits and conditions mentioned in the schedule.
It extends the Own Damage section to cover loss or damage to engine and gearbox arising out of water ingression, leakage of lubricating oil, or hydrostatic lock, as per approved exclusions and maintenance guidelines.
In case of total loss or constructive total loss, this add-on indemnifies the insured up to the original invoice value of the vehicle, including registration and road tax, as per policy-defined limits.
Provides pan-India emergency assistance including towing, battery jump-start, fuel delivery, and minor on-site repairs, subject to the number of services allowed during the policy period.
This add-on reimburses the cost of consumable items such as engine oil, coolant, brake fluid, grease, nuts, and bolts used during repair of an admissible Own Damage claim.
Covers expenses incurred for repair, replacement, and reprogramming of lost, damaged, or stolen car keys, including locksmith charges, as per sub-limits stated in the policy.
Extends coverage to include repair or replacement of tyres and rims damaged due to accidental cuts, bursts, or impact, excluding normal wear and tear and manufacturing defects.
Extends Section 1 of the Standard Motor Package Policy / Standalone OD Policy to cover repair or replacement of battery, drive motor, electric motor, and HEV system due to water ingression or short circuit, subject to age, claim, and liability limits.
With over 11,800+ cashless garages across India, IFFCO Tokio General Insurance policyholders can avail cashless repair facilities at authorised service centres — meaning you don’t have to pay upfront for covered car repairs at these network garages.
You can find the complete list of network garages and locate one near you by visiting the official IFFCO Tokio Network Garage Locator on their website:
Garage List – IFFCO-Tokio General Insurance: https://www.iffcotokio.co.in/claims/garage-list Simply select your state and city, and you’ll be able to view available cashless garages where you can get authorised repairs under your car insurance policy.
Toll-Free Helpline: 1800-103-5499 (24×7)
Alternate Contact Number: 0124-4285499
Email Support: support@iffcotokio.co.in
WhatsApp Support: 7993407777
Official Website: https://www.iffcotokio.co.in/contact-us
It provides financial protection against third-party liabilities and own vehicle damage through comprehensive, third-party, and standalone own-damage policies.
It covers third-party injury or property damage, accidental damage to your car, theft, fire, natural calamities, and man-made disasters. Comprehensive policies also allow add-on coverage.
Exclusions include normal wear and tear, mechanical or electrical breakdown, driving under the influence, driving without a valid licence, and damages outside policy terms.
You can buy the policy online through the official website or authorised insurance platforms by entering vehicle details, choosing coverage, and making digital payment.
Yes, you can switch your existing policy to IFFCO Tokio at the time of renewal while retaining your No Claim Bonus, subject to inspection and underwriting rules.
Key benefits include a wide cashless garage network, quick claim settlement, multiple add-ons, nationwide roadside assistance, and easy online services.
You can renew your policy online through the website, mobile app, or authorised partners by entering policy details and completing payment.
Premium depends on vehicle age, IDV, model, location, fuel type, claim history, chosen add-ons, and No Claim Bonus.
Yes, they have a strong presence across India with branch offices, service centres, and network garages in major cities and towns.
Policyholders can avail No Claim Bonus, voluntary deductible discounts, anti-theft device discounts, and benefits for membership of recognised automobile associations.
Yes, it offers cashless repair facilities at over 11,800+ network garages across India, subject to policy terms and claim approval.
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