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Motor Insurance
Road trips, commutes, or quick errands—protection that follows you everywhere
Coverage Highlights
Get comprehensive coverage for your carPremium
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
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.
Outlined below are some of the advantages of purchasing Innova motor insurance online:
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.
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.
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.
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.
When it comes to insuring your Toyota Innova, you have two main options:
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.
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.
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.
Compare Insurance Plans Made for You
Feature |
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 |
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
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
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:
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.
Make sure you renew your policy before the expiration date to avoid any lapses in coverage.
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.
Once you have reviewed and confirmed your policy details, pay the premium using the online payment options provided by the insurance provider.
After completing the payment, you will receive the policy document via email or physical mail, depending on your preference.
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.
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.
The claim procedure for claiming may vary depending on the insurance provider, but here are some general steps that you can follow:
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.
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.
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.
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.
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.
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.
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.
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.
Vikram Singh
Delhi
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.
Deepak Bhanushali
Mumbai
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!
Naveen Tyagi
Delhi
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.
Pramod Chand Lakra
Jaipur
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.
Siba Prasad Mohanty
Pune
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.
Rahul
Lucknow
26th Jul 2020
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