IFFCO Tokio Car Insurance

IFFCO Tokio Car Insurance plan is your one stop 360 protection plan for your car. The insurer, IFFCO-Tokio General Insurance Company Limited, has an extensive product offering in the form of , Two-wheeler Insurance, Health Insurance, Travel Insurance, Credit Insurance, Fine Arts Insurance, P & I Insurance, Errors & Omission Policy, and Home Insurance. In addition, IFFCO Tokio was also the first company in India to offer property and liability insurance. Also, IFFCO Tokio General Insurance was the first to establish Bima Kendras across rural India. In the motor division, the insurer provides car, two-wheeler, commercial vehicle, value auto coverage along with 24x7 on road assistance.

• Digital copy – Instant digital copy of policy
• Claim settlement - Quick and hassle-free claim settlement
• Trained in-house - Surveyors for immediate attending to claims
• Cashless Garage Network - 2000+ cashless network garages across India
• Add-on covers – Unique bouquet of additional covers under ‘Value Auto Coverage’
• Roadside Assistance – With ’On Road Protector Coverage’ you can avail roadside assistance at a nominal extra premium

With the Iffco Tokio Car Secure policy, you can also avail certain discounts to lower your premium.

• No-Claim Bonus discount: Can avail the NCB discount on own damage premium based on the number of claim-free years. You can also avail the NCB benefit as per your expiring policy even if you choose to shift from any other insurer to Iffco Tokio.
• Opt for Voluntary deductible: Opting for a higher voluntary deductible in addition to the compulsory deductible can get you an additional discount on your own-damage premium.
• Membership of AAI: Being an active member of any recognized Automobile Association of India (AAI) attracts an extra discount.

IFFCO Tokio policy is to insure any private vehicle/car which covers Own Damage car insurance and also, Third-party liability insurance, which helps car owners at the time when needed – in case of any accident or mishaps.

Types of Coverage

Own Damage

• Fire, explosion and self-ignition.
• Flood, inundation, typhoon, hurricane, storm, tempest, cyclone, hailstorm, frost, lightning, earthquake, landslide, rockslide.
• Burglary or theft
• Riots, strike, malicious or terrorist activities
• Accidental external damage, damage in transit by road, rail, inland waterway, lift, elevator or air.

Third Party or Liability:

As this policy is mandatory by the Motor Vehicle Act 1988, it is provided by IFFCO Tokio Private Car Insurance Policy which covers any injuries or property damages to the third party.

Legal liability to any third party property damage up to Rs 750,000 under this policy.

Personal Accident Cover

Under this cover by IFFCO Tokio General Insurance that provides you a sum insured in case of Accidental Death or Permanent Total Disablement with a coverage of Rs. 200,000 for an individual owner-driver of the insured vehicle.

• Value Auto Coverage: Under this plan 12 benefits are available of which you can select any 3 benefits:
• Waiver of Deductible Depreciation: Usually, the cost of depreciable car parts such as metal, rubber, plastic are not fully covered at the time of claim. This covers is beneficial at the time of claim wherein the IFFCO Tokio will make sure to pay the complete charges of repair.
• Invoice Reimbursement : in case of Total Loss (TL), theft or Constructive Total Loss (CTL) that is damage beyond repair of the insured vehicle.
• Daily Allowance for travel : in case the insured vehicle is in garage or workshop for partial or total loss due to the perils as mentioned in the policy wordings. Maximum time is subject to the damage.
• Cover against the loss of personal belongings : kept inside the insured vehicle at time of theft, burglary or an accident due to any of the perils as mentioned in the policy wordings.
• Reimbursement of medical expenses of occupants (except paid passengers, if any) :** if injured in case of an accident or resisting in case of thief or burglary.
• NCB Protection benefit after the claim is lodged. Usually, the No Claim Bonus comes down to zero if the insured lodge a claim in a policy period. With this cover the NCB retains and is unaffected In case of a standalone glass claim. And for other case, it is retained or reduced based on the specified chart in the policy. This cover helps to retain that.
• Increased in Personal Accident coverage : than the covered value mentioned in the normal policy for all the occupants including the driver except paid passengers.
• Increased in the Third party property coverage : beyond 7.5 lakhs limit as per the basic Motor Insurance Policy .
• Cost of rental stay or hotel : accommodation for up to 3 nights to the passengers of insured vehicle in case of vehicle damage and repair takes more than 12 hours.
• Cost of Transportation : of insured vehicle to the workshop and delivery, in case if the repair takes more than the 72 hours and the insured vehicle is at the incident location.
• Reimbursement against : the cost of removal of debris and wreckage due to the damage in case of an accident or any other peril mentioned in the policy wordings.
• Cost of towing : in case, on spot repair is not feasible and need to tow it to the nearest garage.
• 24*7 On-Road Assistance: With this plan the insured vehicle gets 24*7 On-Road Assistance in case of small or big breakdowns or an accident.

Key Features

• Towing
• Service of Assistance
• Essential Fuel Delivery
• Services of medical co-ordination
• Urgent message relay

Other Add-on Covers

• Loss/damage to electrical/non-electrical accessories and to CNG/LPG fuel kit
• Personal accident cover for unnamed passengers
• Wider legal liability cover for driver
• Participation in rallies by the insured vehicle

IFFCO Tokio General Insurance offers many attractive discounts that the policyholder can avail.

• If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium.
• If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing.

• Any consequential loss or contractual liability.
• Mechanical or electrical breakdown, depreciation, wear and tear.
• Vehicle being driven under the influence of intoxicating liquor/drugs.
• Vehicle being driven without a valid licence.
• Vehicle being used in contravention of limitations as to use (e.g. for hire or reward, organised racing or speed testing etc.).
• War and nuclear perils.
• Damage to tyres/tubes unless insured vehicle is damaged in the same incident, in which case 50% of replacement cost will be paid.
• Loss of accessories by theft, unless vehicle is stolen at the same time.

Contact Details:

• Website: www.iffcotokio.co.in
• Email: websupport@iffcotokio.co.in
• Toll-Free Number: 1-800-103-5499

Required steps and supporting documents

a) In case of Car Accident Claims

• Immediately contact IFFCO Tokio on their toll-free number 1800 103 5499 or SMS "CLAIM" to 56161
• Lodge a claim with duly signed Claim Form
• Copy of Driving License, RC book, Policy document
• FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
• Original Repair Estimate Bill
• In case of cashless service, only Invoice receipt
• In case of reimbursement provide estimate bill, original invoice and payment receipt

b) In case of Car Theft Claims

• Immediately contact IFFCO Tokio on their toll-free number 1800 103 5499
• Lodge the claim with duly signed claim form
• Original keys with Copy of Driving License, RC book, Policy document
• Police FIR copy
• Duly signed Form 28, 29, 30 and Form 35.
• Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of

• Immediately contact IFFCO Tokio on their toll-free number 1800 103 5499
• Lodge the claim with duly signed claim form
• Police FIR copy
• Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim

• Step 1 The first things to make a claim is to call on IFFCO Tokio General Insurance’s Toll-Free Helpline number – 1800 103 5499
• Step 2: Take appointment with the surveyor and take your vehicle to any of IFFCO Tokio General Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor
• Step 3: Company confirms liability
• Step 4: If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable
• Step 5: But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement
• Step 6: Vehicle Delivery

With over 2000 cashless garages across India and a remarkable number of POS centres, IFFCO Tokio can make doorstep arrangements for fresh or renewal policy covers. The company scores brownie points when it comes to providing benefits or services compared to the premiums charged. Additionally, with their ‘On Road Protector Coverage’ you can be assured that you are covered with all your need for the car insurance. Thus, if you are looking to buy car insurance package with stringent budget, IFFCO Tokio should be your definite choice.