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Motor Insurance

Toyota Innova Car Insurance

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Road trips, commutes, or quick errands—protection that follows you everywhere

Coverage Highlights

Get comprehensive coverage for your car
  • Premium

Starting from INR 2094*

  • Cashless Garages

7,200+ network garages for hassle free services

  • Own Damage Cover

Covers damage to your car due to accidents, fire, theft and natural calamities

  • Third Party Liability

Unlimited liability for third party bodily injuries and INR 7.5 lacs for third party property damage

  • Personal Accident Cover

Starting from INR 15 Lacs

  • No Claim Bonus

Up to 50%

  • Optional Covers

Wide range of Add Ons

  • On The Spot Claim Settlement

You can instantly register your car insurance claim from the accident spot and get it settled within minutes through our Caringly Yours App

  • 24x7 Spot Assistance

Get 24x7 roadside assistance, ensuring help is always just a call away, no matter when or where your car breaks down

Inclusions

What’s covered?
  • Third Party Liability for Bodily Injury & Death (Unlimited Cover)

If an accident is caused by your car and you are liable to compensate for any injury or death of others then we will pay the exact amount as by court.

  • Third Party Liability for Property Damage (up to INR 7.5 lacs)

If an accident is caused by your car and you are liable to compensate for any damage to property of others then we will pay amount upto the SI limit

  • Accidents

Damages and losses that arise out of accidents and collisions

  • Natural or Man-Made Disasters

Damages and losses to car by events like floods, cyclones, earthquakes, riots or vandalism

  • Fire Damage

Damages and losses if your car catches fire or explodes

  • Theft

Financial losses when your car is stolen

  • In Transit Damage

If your car is damaged while being transported, this covers the repair costs

  • Personal Accident

Coverage if your car accident results in death or disability of car owner

  • Add-On Covers

Multiple Add-Ons which you can buy with your car insurance policy to enhance your coverage

Exclusions

What’s not covered?
  • Intentional Damage

Any damage caused to the car intentionally

  • Depreciation

Normal wear and tear of the car due to usage and depreciation in value is not covered

  • Mechanical or Electrical Breakdown

If your car suffers an electrical or mechanical breakdown, the cost of repairs would not be covered

  • Illegal Activities

Any type of illegal activity such as driving without a license, under the influence of alcohol and/or drugs, or using the car for criminal activity

  • Geographic Limits

Your insurance policy is only valid within India. If your vehicle meets with an accident outside the country, your claim will be rejected.

  • War-related Damages

Losses caused by war or nuclear risks are not covered

  • Overloading the Vehicle

If you exceed the weight or passenger limit specified for your car, leading to an accident.

  • Unauthorised Vehicle Modifications

If you modify your vehicle(electrical components or other illegal modifications), your policy may become invalid.

  • Racing or Speed Tests

If you participate in racing, speed tests, or illegal stunts and damage your car, your claim will be denied

  • Note

Please read policy wording for detailed exclusions

Additional Covers

What else can you get?
  • 24x7 Road Side Assistance

Provides immediate roadside help for emergencies like flat tyres, towing, fuel assistance and more

  • Consumable Expenses

Coverage for consumables items like grease, lubricants, engine oil, oil filter, brake oil, etc

  • Zero Depreciation Cover

Every year the value of a car depreciates but with zero depreciation cover, there are no depreciation cuts even when you make a claim, and you get the entire amount in your hands

  • Pay As You Consume

If you drive less then you can pay less by selecting number of kilometers driven in a year and thus saving on your insurance premium

  • No Claim Bonus Protector

Protects your No Claim Bonus even if you make a claim ensuring you get discount on your premium

  • Tyre Safeguard

This add-on cover can be fruitful if your car's tyre or tube gets damaged due to an accident. Tyre secure cover provides coverage for replacement expenses of tyres and tubes of the insured vehicle

  • Conveyance Benefit

If your car is in the garage for repairs, this cover will pay for money spent on cabs for your daily commute

  • Engine Protector

Covers financial losses incurred due to damage to your car engine

  • Return to Invoice (RTI) Cover

Recover invoice value of your car back in case of theft or total loss

Right Insurance for Your Toyota Innova

As an owner of a Toyota Innova in India, it's important to ensure that your vehicle is protected against any unexpected accidents or damages. Car insurance is a crucial aspect of vehicle ownership that provides financial security and peace of mind. Let’s take a closer look at the various comprehensive car insurance options available for Toyota Innova owners in India. From understanding the different types of coverage to choosing the right insurance policy, we'll cover everything you need to know about making an informed decision. So, if you're ready to secure your Innova, keep reading to learn more about both comprehensive and third-party car insurance in India. 

Benefits You Deserve

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Reliable Customer Support

We have a dedicated call centre and chat support taking care of all your needs

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7200+ Cashless garages

Wide network of cashless garages for hassle free service

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On the Spot Claim Settlement

Register claim on accident spot and get it settled within minute on our app

Benefits of Buying Toyota Innova Car Insurance Online

Outlined below are some of the advantages of purchasing Innova motor insurance online:

Instant Access

By buying car insurance online, you can gain immediate access to your policy compared to traditional offline methods. The process of buying car insurance online is relatively straightforward. You can use an online calculator to calculate your Innova insurance price, and once you have done this, you can begin the process of purchasing your policy. This is possible in just a few clicks, provided you have all the necessary documents at your disposal. Finally, you will have immediate access to your policy document.

Convenience

Whether it's a third-party car insurance policy or a comprehensive one, purchasing your policy online can be quite hassle-free. Furthermore, you can start and complete the policy purchase process in a matter of clicks from anywhere. You no longer have to visit the insurance provider's office. Renewing four-wheeler insurance regularly is a requirement and being able to do it online can be convenient.

Easy Renewal

Whether you have a third-party or comprehensive car insurance policy, your vehicle policy requires renewals periodically. Being able to renew your policy online can simplify the process since renewal is something that needs to be repeated regularly.

Features of Toyota Innova

The Toyota Innova is a popular MPV (multi-purpose vehicle) in India known for its spacious interiors, comfort, and reliable performance. With a range of features such as adjustable seats, power windows, climate control, and an advanced infotainment system, the Innova provides a comfortable and convenient driving experience for families and small groups. Additionally, its robust engine and the refined suspension offer smooth handling, making it a suitable option for both city and long-distance drives. With its well-rounded package of comfort, convenience, and performance, the Toyota Innova is a popular choice among Indian car buyers.

Types of Toyota Innova Car Insurance 

When it comes to insuring your Toyota Innova, you have two main options:

Third-party Liability Coverage 

This type of insurance is mandatory by law in India and covers damages and losses incurred to third-party property or individuals in the event of an accident involving your vehicle. However, it does not provide coverage for any damages to your own car or injuries sustained by you in the accident. Being a mandatory insurance coverage, it is the most affordable option for car insurance.

Comprehensive Insurance Coverage 

This is a more extensive and costly insurance policy that provides broader coverage. It covers both third-party liability and damages to your own car in case of an accident, as well as theft, fire, natural disasters, and other types of damages. It also includes personal accident cover for the driver and passengers. Comprehensive coverage provides greater peace of mind, but it comes at a higher cost.

When deciding which type of coverage to choose for your Toyota Innova, it is important to consider your budget, driving habits, and level of risk. Car insurance calculator is a nifty tool that can help you in deciding which policy is right for you.

If you have a new or expensive car, or you often drive in high-risk areas, comprehensive coverage may be the better option. On the other hand, if you have an older or less valuable car and are looking for the most affordable insurance option, third-party liability coverage may suffice.

 

Documents Required to Raise Toyota Innova Car Insurance Claim H2

When you want to claim your Toyota Innova insurance amount, you will need to submit the following documents:

● Copy of FIR: A copy of the First Information Report (FIR) in case of pilfering or third-party defacement..

● Driving Licence: A copy of the driving license of the person driving the automobile at the time of the occurrence.

● Vehicle Registration Certificate: A copy of the Toyota Innova’s enrollment certification.

● Document of Insurance Policy: The actual insurance policy deed for your Toyota Innova.

● Form of Claim: The concluded claim form from your insurance supplier.

● Bills of Repair: Bills from the depot where restores were done.

● Damage Photographs: Understandable photos of the vehicle injury and the misfortune scene.

Claims are subject to terms and conditions set forth under the motor insurance policy.

At-A-Glance

Compare Insurance Plans Made for You

Feature
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Third Party Liabilty Cover

Own Damage Cover

Comprehensive Cover

Comprehensive Cover with Add-ons

Overview Covers legal liabilities arising due to body injury or property damage to others due to your car. It is mandatory by law. Covers expenses arising out of damage to your car. Full fedged cover comprising of Third Party Liability cover and Own Damage covers Enhance coverage by opting for various Add-ons over and above the comprehensive cover
Policy Period 1 or 3 years 1 Year 1 and 3 years 1 and 3 years
Third Party Liability for Injury, Death & Property Damage Yes No Yes Yes
Accidents & Collisions No Yes Yes Yes
Natural or Man-Made Disasters No Yes Yes Yes
Fire Damage No Yes Yes Yes
Theft No Yes Yes Yes
Compulsory Personal Accident Yes Yes Yes Yes
Add-on: No Claim Bonus No No No Yes
Add-on: Zero Depreciation Cover No No No Yes
Add-on: Lock & Key Replacement No No No Yes
Add-on: 24x7 Roadside Assistance No No No Yes
Add-on: Consumables Cover No No No Yes
Explore more add-ons No Up to 27 Add Ons Up to 27 Add Ons Up to 27 Add Ons

How to Buy Toyota Innova Car Insurance?

If you're looking to buy car insurance for your Toyota Innova, you can follow these simple steps:

● Determine the type of car insurance you need based on your budget and level of coverage required. You can choose from third-party liability coverage or comprehensive insurance coverage.

● Use a car insurance calculator to estimate the premium and Innova car insurance price for the policy you want. This can help you compare the costs of different insurance providers.

● Choose an insurance provider that offers the coverage and add-ons you need, and that has a good reputation for customer service and claims settlement.

● Provide the necessary documents and information required to purchase the policy, such as your vehicle registration certificate, driving license, and previous insurance details.

● Pay the car insurance price, either online or through an authorized agent or broker, and receive your policy documents.

Remember that it's important to review your car insurance policy regularly to ensure that you have adequate coverage and that your Innova car insurance price is still within your budget. You can also consider adding add-ons to your policy if they provide additional value and coverage.

Via these simple steps, you can easily purchase the policy. Before you purchase the policy, you can use the car insurance calculator to get an estimated price for the policy you want to purchase. 

Step-by-Step Guide

To help you navigate your insurance journey

How To Buy

  • 0

    Download the Caringly Yours app from App stores or click "Get Quote"

  • 1

    Register or log in to your account.

  • 2

    Enter your car details

  • 3

    You will be redirected to the Car Insurance Page.

  • 4

    Ensure to check your No Claim Discount

  • 5

    Choose right Insured Declared Value (IDV) that reflects your car value

  • 6

    Evaluate Covers, Add Ons, Optional Covers and Exclusions

  • 7

    Select a plan from the recommended options, or customize your own plan

  • 8

    Review the premium and other coverage details

  • 9

    Proceed with the payment using your preferred method

  • 10

    Receive confirmation of your purchased policy via email and SMS

How To Renew

  • 0

    Login to the app

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Download our Caringly Yours App on Android or iOS

  • 1

    Register or login to use Motor On the spot claim for a smooth process

  • 2

    Enter your policy and accident details (location, date, time)

  • 3

    Save and click Register to file your claim

  • 4

    Receive an SMS with your claim registration number

  • 5

    Fill in the digital claim form and submit NEFT details

  • 6

    Upload photos of damaged parts as instructed

  • 7

    Upload your RC and driving license

  • 8

    Receive an SMS with the proposed claim amount

  • 9

    Use the SMS link to agree/disagree with the claim amount

  • 10

    Agree to receive the amount in your bank account

  • 11

    Track your claim status using the Insurance Wallet App

Know More

  • 0

    For any further queries, please reach out to us

  • 1

    Phone +91 020 66026666

  • 2

    Fax +91 020 66026667

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How to Renew Toyota Innova Car Insurance Policy Online?

Renewing your Toyota Innova car insurance policy is relatively simple and can be done either offline or online. Here are the steps you need to follow:

1.Compare Policies

Before renewing your car insurance policy , it's always a good idea to compare policies from different insurance providers to ensure you are getting the best deal.

2.Check Your Policy Expiration Date

Make sure you renew your policy before the expiration date to avoid any lapses in coverage.

3.Renew Online

Most insurance providers have an online renewal process. Visit your insurance provider's website and enter your policy details to renew your policy. You may also use a car insurance calculator to check your Innova insurance price.

4.Pay the Premium

Once you have reviewed and confirmed your policy details, pay the premium using the online payment options provided by the insurance provider.

5.Receive the Policy Document

After completing the payment, you will receive the policy document via email or physical mail, depending on your preference.

6.Offline Renewal

If you prefer to renew your policy offline, you can visit the insurance provider's office, fill out the required forms, and pay the premium. You will receive a physical copy of the policy document.

Remember to keep all your documents, such as the previous policy document, registration certificate, and driving license, ready when renewing your Toyota Innova car insurance policy.

Reason to Buy Toyota Innova Car Insurance 

Here are several strong reasons to buy insurance for your Toyota Innova:

● Legal Requirement: In India, third-party accountability insurance policies are morally required to cover injury or misplacement caused to others in an accident.

● Financial Protection: Comprehensive monetary insurance protects your Toyota Innova against accidents, theft, and natural disasters. It also covers bodily injuries to the driver and fare payer.

● Benefit: Buying and renewing vehicle insurance online is quick and simple, with easy steps and on-the-spot access to your coverage.

● Discretionary Add-Ons: You may enhance your insurance with add-ons like roadside assistance, key replacement coverage, and engine shielding, which provide additional security and benefits.

How to Raise a Claim for a Toyota Innova Car Insurance Policy?

The claim procedure for claiming may vary depending on the insurance provider, but here are some general steps that you can follow:

1.Contact Your Insurance Provider

As soon as the incident occurs, inform your insurance provider immediately. They will provide you with the necessary details on how to file a claim.

2.File a Claim

You can file a claim by calling the customer care number or by visiting the insurance provider's website. You will need to provide the policy number, vehicle registration number, date and time of the incident, location of the incident, and a brief description of the incident.

3.Provide Supporting Documents

You will need to submit the required documents to support your claim. These documents may include a copy of the FIR, a copy of your driving license, a copy of your vehicle registration certificate, and any other relevant documents related to the incident.

4.Survey

Once your claim is registered, a surveyor will be assigned to assess the damage to your car. The surveyor will inspect the vehicle and prepare a report with an estimate of the cost of repair.

5.Repair or Reimbursement

Based on the surveyor's report, you can choose to have your car repaired at a network garage or get reimbursement for the cost of repairs.

6.Payment of Claim

After the repair work is completed, your insurance provider will settle the claim amount directly with the garage, or they will reimburse you for the cost of repairs if you chose that option.

It is important to note that you should read and understand your policy document thoroughly to know the terms and conditions, inclusions, and exclusions of your Toyota car insurance policy before making a claim.

Innova Insurance Cost

The innova insurance cost can vary depending on multiple factors such as the car's model year, the type of coverage selected, and any additional add-ons. Understanding these costs can help you make an informed decision when purchasing innova insurance.

Purchasing comprehensive car insurance for your Toyota Innova provides financial security and peace of mind in unexpected disasters. From accident repairs and theft to liability coverage, the correct insurance package guarantees you're ready for whatever the road ahead throws at you. Select a policy with extra benefits and handy features, and you may drive with comfort knowing your investment is safe.

What Our Customers Say

Prompt Assistance

Thank you so much, Bajaj Allianz, for your quick and responsive action towards my claim process. I am shocked that my claim amount has been credited so quickly.

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Vikram Singh

Delhi

4.6

21st May 2021

Claim Support

Super fast claim settlement! I initiated a claim for my car windscreen, which was broken due to a tree fall today, and it was settled within one hour. I appreciate the efforts of Omkar.

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Deepak Bhanushali

Mumbai

4.5

18th May 2021

Quick Assistance

Thank you for helping me with just one tweet. You guys are really awesome. This is the fourth year I am continuing with you for car insurance. Keep it up!

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Naveen Tyagi

Delhi

5.0

1st May 2021

Claim Support

I really appreciate the way I was treated concerning my claim. The customer service was both professional and friendly, which enhanced my confidence in Bajaj Allianz. 

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Pramod Chand Lakra

Jaipur

5.0

27th Jul 2020

Reliable Service

The vehicle was used by our Zonal Manager. We appreciate your timely and prompt action in getting the vehicle ready for use within a short span of time.

SibaPrasadMohanty

Siba Prasad Mohanty

Pune

5.0

26th Jul 2020

Diverse Options

A range of options to choose from." Being a perfectionist, I prefer the best of everything. I wanted my car insurance policy to be airtight as well. 

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Rahul

Lucknow

5.0

26th Jul 2020

FAQ's

What factors affect the premium for Toyota Innova car insurance?

The premium for Toyota Innova car insurance is influenced by various factors such as the car's age, make and model, geographical location, the insured declared value, add-ons, and the policyholder's driving history.

Can I transfer my car insurance policy from one car to another?

Yes, you can transfer your car insurance policy from one car to another. However, the premium may vary depending on the new car's make and model.

Can I cancel my Toyota Innova car insurance policy?

Yes, you can cancel your Toyota Innova car insurance policy by submitting a written request to the insurance company. The refund of the premium will be processed after deducting the applicable cancellation charges.

Is it necessary to buy a comprehensive car insurance policy for my Toyota Innova?

No, it is not mandatory to buy a comprehensive car insurance policy for your Toyota Innova. However, third-party liability coverage is compulsory by law for all vehicles in India.

Can I renew my Toyota Innova car insurance policy online?

Yes, you can renew your Toyota Innova car insurance policy online through the insurer's website. Make sure to use a car insurance calculator to compare different policies and choose the one that best suits your needs.

Will Car Insurance Cover the Amount of My Innova’s Exhausted Windshield in Case of an Accident?

Yes, if you have a thorough insurance scope for your Toyota Innova, it will cover the cost of repairing or restoring a weary windshield due to an accident . This type of coverage allows financial shelter for various damages, including those to your vehicle’s windshield.

Does My Second Hand Innova Need Car Insurance?

Yes, your second-hand Toyota Innova requires car insurance. All automobiles in India must have a sound insurance policy, whether they are worn or brand new. Depending on your requirements and needs, you can choose from third-party liability coverage or a complete scope.

Can I transfer my existing motor insurance policy to the new owner?

Yes, you can easily transfer your vehicle's insurance to the new owner. The usual procedure for transferring vehicle insurance policy between two owners requires the new owner of the vehicle to submit an application form to the insurance provider within about 14 days of the registration transfer.

What risks are covered under an insurance policy for a vehicle?

The coverage for vehicle insurance can vary depending on the type of policy chosen. For instance, under third party insurance, you get coverage for third party liability, third party property damage, personal accident cover, etc. Similarly, comprehensive insurance covers own damage vehicle, theft, natural/manmade calamaties etc.

Why should I buy comprehensive vehicle insurance policy?

Investing in a comprehensive motor insurance is beneficial because it provides extensive coverage for your vehicle. There are certain add-ons for comprehensive motor insurance that can be added to give your vehicle an extra protection like damages for an accident, theft, natural disasters, damage to third party etc. as derived by the policy terms.

What is a Third-Party Liability Cover?

Third-Party Liability covers the legal liability one has to pay to the third party to whom damage is being caused. While opting for vehicle insurance, one has to choose between a comprehensive plan, which provides coverage for the policyholder and the third party, and a third-party policy, which provides coverage only for the third party.

Differenciate Third-Party Liability and Comprehensive Motor Insurance?

"Third-Party Liability: Covers damages you cause to another person or their property. It's mandatory by law. Comprehensive: Covers third-party liability plus damages to your own vehicle due to accidents, theft, natural disasters, etc. as per the policy terms"

Will my no claims bonus be transferred if I renew my motor insurance?

You may be able to transfer your no claims bonus when renewing your policy with us, but this depends on various factors. While renewing, you may be able to get new and better no claims bonus options and discounts.

What is premium reduction process if no claim aquired previously?

Certainly, the no claim bonus feature in vehicle insurance can reduce the premium by a certain percentage each year if no claims are made. This feature has proven beneficial for long-term insurance policies with the same company.

What should be my first action to initiate a claim?

Use our app, Caringly Yours, to initiate your insurance claim with an easy and hands-free experience.

How do I register my claim?

Ideally, claims are supposed to be registered on the same day that damage occurs to the insured vehicle. It is highly appreciated to provide an immediate update to your vehicle insurance company. Please complete the claim application through our Caringly Yours app to claim your insurance in just a few easy steps.

What is a "deductible" or "compulsory excess" in motor insurance?

It's the amount you have to pay out of pocket before your insurance coverage kicks in. A higher deductible usually means a lower premium.

Why does my vehicle insurance premium change during renewal?

Vehicle insurance premiums can change at renewal due to several factors, including depreciation, add-on covers, the type of model of your vehicle, and additional accessories. Consequently, the premium may increase or decrease each year.

How 'no claim bonus' is calculated at the time of renewal?

No claim bonus is calculated at renewal based on the consecutive years the insured has not filed a claim. The discount percentage usually increases each year, following the policy terms.

What is break-in insurance? What should I do in case of break-in?

The time gap between the policy expiration and the renewal of the policy is known as the break-in period. Your policy will remain inactive during this period. In case of a break-in, you are advised to renew your policy as soon as possible. You can complete the procedure online easily and your policy gets instantly activated.

When is vehicle inspection mandatory in motor insurance?

Usually, vehicle inspection occurs when purchasing a new vehicle insurance policy or during renewal process. Additionally, an inspection may be required when you file a claim for any damages, there is a change in the policy type, new accessories or equipment are added to the vehicle, or there is a change in ownership.

Can I change my motor insurance provider at renewal?

Yes, you can switch providers at renewal. Compare quotes and coverage options to find the best deal.
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