Lexus Car

Yet another division from the Japan based automotive giant Toyota comes in form of Lexus. This is a luxury group of cars and has captured more than 70 countries. Lexus was founded in the year 1989 and has been steadfast till date.

Lexus Chief Engineer proudly says that “There is no such thing as impossible. It's just a matter of figuring out how”- Haruhiko Tanahashi. The brand clearly shouts - redefining luxury.

A highest quality of attention is given right from the design conception to dealership and from purchase to service. They claim having unique designs, class performance, and imaginative technologies. Their hallmark Takumi craftsmanship is like driving a new relationship between man and machine.

Models Manufactured by Lexus

To start with the Indian Market, Lexus has ventured into 3 types of cars i.e., Sedan's, Suv's and Hybrid cars.

Sedan Cars

  • ES Model: ES model is a mid- size sedan and has an uncanny resemblance to Toyota's Camry. It also has a variant to it that is ES 300h. It produces 160PS of power and 233Nm of torque. It can go up to 0-100 in 8.5 seconds and can reach a maximum speed of 180 km/h.

  • LS Model.: This is a full-size sedan and is stated as pinnacle of luxury performance. The front grille is unique and beautifully designed. It has engine of 3456 cc and provides a mileage of 15.40 kmpl. It also has its variant as LS500h.

SUV's Car

The Lexus NX Series

The NX has 2 versions,that is NX300h Luxury and NX300h F sport.

  • NX300h Luxury: The NX300 h Luxury car produces a power of 194 bhp@5700 rpm and torque of 210 Nm@4200-4400 rpm. It can touch the maximum speed of 180 kmpl. It can go from 0 to 100 in 9.2 seconds approximately.
  • NX300h F Sport: The NX300h F Sport car produces a power of 194 bhp@ 5700 rpm and torque of 210Nm @4200-4400rpm.

The Lexus RX Series

  • RX 450 h Luxury: The RX 450 h Luxury car produces a 308 bhp@6000 rpm and torque of 335 Nm@4600 rpm. It gives a mileage of 18.80 kmpl and can touch 0- 100 in 7.7 seconds. The maximum speed it can touch is 200 km/h. It comes with a hybrid drive where it is can draw power from both electric and petrol motors.

  • RX 450h F Sport: The power and performance of sport is as same as the RX 450h whereas the sport version does not have come with a hybrid drive.

The Lexus LX Series

This particular series had only one variant to it that is LX 450d. The LX comes with pure engine and does not have a petrol version to it. It can reach a maximum speed of 210 km/h and touch 0-100 in 8.6 seconds.

Hybrid Cars

Other than the normal version of cars, it has special hybrid version and below models are available in it.

  • ES 300h
  • RX 450h Luxury
  • RX 450 h F Sport
  • NX 300h Luxury
  • NX 300h F Sport
  • LS 500h

FAQs on Lexus

What happens if my Lexus car insurance is already expired?

Not renewing your policy on or before your policy expiry will have consequences to it such as:

  • Inspection is required for renewal when policy is expired
  • You may lose out on offers and discounts if any
  • You lose out on the accumulated NCB (no claim bonus), because having an NCB provides discount on your policy premium
  • Most importantly, the premium will always be at the higher side, if policy is purchased after expiry

Which add-ons should I look for when renewing my Lexus car insurance policy?

Below are the must haves add-ons for your Lexus car insurance policy or most recommended:

  • Road side assistance

    A road side assistance is a must in case of any emergency. What if you get a flat tyre in the middle of a road or an accident? A road side assistance (RSA) will help you out in that case.

  • NCB Protection

    • When the Engine of the car is submerged in a water logged area, using or cranking the engine can result in engine seizing. This is not covered under regular Insurance.
    • Engine protector covers such non-accidental exclusions related to your engine. It is a must buy for luxury cars where engine is very costly & is placed at low ground clearance.

Is premium dependent on engine capacity? If yes, then how?

Higher the cubic capacity, higher are the changes of an un-certain situation like accident to take place. Hence the engine capacity plays a role in premium calculation.

What if I provided wrong information while buying Lexus car insurance?

In case if you happen to provide wrong information, the policy may stand null. Though changes can be done on those, at the discretion of the insurance company.

However not all insurance companies will agree and make changes, some may also ask to cancel the policy.

Note: To cancel a policy an alternate fresh and correct policy is required across all insurers

Whom should I buy/renew my Lexus car insurance, broker, agent or insurance company?

There are pros and cons if you buy policy from the below:

1. Agents

Pros: They are physically available in case of any help. However not all agents will be able to help you in case any claim arises.

Cons: Since agents get commission on target basis, they may sell you the most expensive policy and not the one which is tailor made for you.

2. Insurance Company

Pros: Most of the insurers have their toll free numbers. You can always contact them in case of any claim related issues or services related issues.

Cons: The insurance company will only have its own product, and you may not have the chance to compare the prices, services etc. with some other insurer.

3. Brokers

Pros:

  • Brokers like Coverfox.com will provide you with unbiased suggestions with regards to services, premiums, and claim settlement ratios of the insurance company.
  • You will also have a designated service manager's team to help you with your service related query, a claims team to handle your claim until settlement and a special express claims team in case your policy falls under Express claims.

Cons: Not all brokers are available 24/7 on the toll free numbers

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