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IFFCO Tokio Car Insurance: Coverage, Benefits & Review

IFFCO Tokio General Insurance Company Limited (IRDA Reg. No. 106) is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group which is the biggest listed insurance entity in Japan.

The customized service of IFFCO Tokio, personalized covers and a extensive array of non-life insurance products - from Travel to Motor, from personal Accident to Household, are significant and absolute worth for the money spent.

The car insurance policy, at IFFCO Tokio, endeavors to provide total surety and protection from unforeseen accidental loss and property damage.

Types of Coverage

  • IFFCO Tokio Insurance cover shields your vehicle against loss or damage to the insured vehicle, due to the following:

    • Fire, explosion and self-ignition.

    • Flood, inundation, typhoon, hurricane, storm, tempest, cyclone, hailstorm, frost, lightning, earthquake, landslide, rockslide (Act of God perils).

    • Burglary, theft, riot, strike, malicious or terrorist activities, accidental external damage, damage in transit by road, rail, inland waterway, lift, elevator or air.

  • Third party legal liability for injury/death (unlimited) or property damage (up to Rs 750,000), triggered by your vehicle at a public place.

  • Personal Accident Cover of Rs.200,000 for individual owner-driver of your car, while on the road, getting in or out of the car. Benefit is payable for death and various types of permanent disabilities.

  • Compensation for expenses up to Rs.1, 500 as a result of an accident to your car, for protection, removal/towing and redelivery of the car.

Add-on Features

To compliment the coverage offered by the basic car insurance policy, IFFCO Tokio offers add-on features at additional premium. Below are listed few:

  • 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/conductor.

  • Participation in rallies by the insured vehicle.

Discounts Offered

IFFCO Tokio car insurance offers specific discounts that can radically trim your premium costs.

  • NCB discount: Can be availed on own damage premium depending on the number of consecutive claim free years.

  • Installing Anti-Theft devices: Anti-theft devices, approved by ARAI, attracts extra discounts on the premium.

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points.

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Significant Exclusions

While IFFCO Tokio Car insurance policy is tailor-made to offer extensive coverage against any unpredicted incidents/mishap, there are a few cases that are not covered. While the detailed list is available in the policy wordings, below are listed few:

  • 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 license.

How to Claim?

  • Intimate the claim on IFFCO Tokio’s Helpline 1800-103-4299.

  • For cashless service, you need to get your car repaired at a garage within the network of IFFCO Tokio.

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurance company.

Coverfox Review:

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. Thus, if you are looking to buy a comprehensive car insurance package with stringent budget, IFFCO Tokio should be your definite choice.

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