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  • IFFCO Tokio Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    Established in 2000, Iffco Tokio General Insurance is one of the market leaders in insurance services. Iffco Tokio Car Insurance is one of their products and they also offer travel insurance, health insurance, and home insurance. The company is a joint venture between Tokio Marine, Nichido Fire Group, one of the largest insurance groups in Japan and Indian Farmers Fertilizer Co-operative (IFFCO).

    Car Insurance Online from Iffco Tokio Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 4,300+
    Incurred Claim Ratio 2017-2018 82.89%
    Net Earned Premium NA
    Covers Provided
    • No claim bonus
    • On road protector coverage
    • Value auto coverage
    • Roadside assistance
    • Depreciation waiver cover
    Features
    • Quick claim settlement - within 4 hours
    • Instantaneous purchase
    • Hassle-free claim settlement
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Features and Benefits

    • Digital signatures- With Iffco Tokio, policyholders can say goodbye to long queues and paperwork. The policy document can be easily signed digitally, after which, the insurance document will be issued immediately at one of the branches, POS centres or can be downloaded from the internet.
    • Doorstep services- To give customers the convenience and ease of renewal or purchase, this insurance company provides doorstep services. Doorstep services can be availed to make new purchases or renewals. Other services offered are free inspection, among others.
    • Easy claim settlement-The claim settlement process is hassle-free and quick. Customers can make claims easily through the internet or through the company’s toll-free number.
    • Trained surveyors- Equipped with a huge fleet of in-house surveyors, Iffco Tokio offers customers the advantage of being assigned a trained personnel to attend to claims on a priority basis.
    • E-survey claims-Iffco Tokio makes use of the online e-survey method to look into claims. The claims will be attended by in-house and external surveyors and claims are usually settled speedily.
    • 24/7 customer support-The 24/7 customer support team attend to claims and queries in a very quick and disciplined manner. Customers can contact the given support number at any time of the day and even during public holidays during emergency situations.
    • Unique emergency assistance-Iffco Tokio offers customers the privilege to avail a unique one-of-its-kind emergency assistance service called on road protector coverage that comes as an add-on.
    • Personal accident cover- This insurance policy provides personal accident cover to the tune of Rs.2 lakh for the concerned individual and driver. The same cover can also be availed on death or in case of permanent disabilities caused due to an accident.
    • Third-party liability-Iffco Tokio provides coverage of up to Rs. 7,50,000 in cases where any kind of damage or loss is caused to a third party during an unfortunate event. Coverage will be provided in terms of compensation amount that includes interest, claimants costs and also legal expenses, if any.
    • Wide range of discounts- Iffco Tokio offers a wide range of attractive discounts. Policyholders can avail premium discounts if they are registered as part of the Automobile Association, have an anti-theft device installed or in cases of higher voluntary excess.

    Easy Steps To Apply for Iffco Tokio Car Insurance Online

    • Log on to the Iffco Tokio website and choose the car insurance option
    • Fill up the ‘Request a Quote’ form with all details and you will obtain the insurance quote
    • All you need to do is to list out your personal details and car information
    • Once you are happy with the quote, you can make an online payment and digitally sign the policy
    • The policy documents are usually shared with the buyer within 7 working days

    Why Iffco Tokio Car Insurance

    Digital transaction
    Easy claim settlement
    Hassle-free purchase
    Trained surveyors
    Complete assistance
    Good coverage

    Add-on covers on Iffco Tokio Car Insurance

    • On road protector coverage- This add-on can be purchased by both new and existing policyholders for an additional premium. When the insured party’s car breaks down during an unfortunate event or meets with an accident, this cover provides on-the-spot assistance if the distance of the accident spot is within 100kms from the workplace or residence of the policyholder. The following are benefits that are provided under this option:
    Towing assistance
    Removal & storage of covered vehicle
    Transportation cover
    Spare parts delivery
    Fuel services
    Battery services
    Key services
    Tyre replacement
    Deposit or custody of car
    Accommodation benefits
    Onward travel
    Return travel
    Emergency travel
    Transport, redelivery or repatriation of repaired vehicle
    Medical extension
    Medical coordination
    Urgent message relay
    • Electrical or non-electrical damage-Any damages or losses caused due to the damage of any electrical or non-electrical parts in the car will be covered after the payment of an additional premium. Apart from this, this add-on will also cover CNG and LPG fuel kits.
    • Personal accident cover- In this case, personal accident cover will be made available upon payment of a certain premium for unnamed passengers.
    • No claim bonus-Policyholders will become eligible for a no claim bonus discount every year during the renewal process. This can also be availed on a substitute car and it is calculated on the good fortune of the policyholder and not the vehicle in question.

    Inclusion & Exclusion under Iffco Tokio Car Insurance

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    Valid only in India
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
    Loss due to electrical or non-electrical accessories War related risks
    Loss to CNG or LPG fuel kit Consequential loss
    Cover for driver Contractual liability
    Participation in rallies Loss of accessories by theft
    Own damage

    Insured Declared Value - Iffco Tokio Car Insurance

    • The Insured Declared Value (IDV) is fixed during the time of commencement of the term of the policy.
    • The IDV is arrived upon depending on the listed price of the manufacturer and the model of the vehicle
    • The IDV is fixed based on the sample table given below:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 2 years 20%
    Exceeding 2 years but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    Iffco Tokio Car Insurance Cashless Garages

    Iffco Tokio has collaborated with a wide network of cashless garages across the country to provide high-quality services to customers. At present, there are as many as 4,300 network garages spread across 170 branches it has in the country.

    Claim Process for Iffco Tokio Car Insurance

    The process of initiating a claim is quite convenient and easy. It is, however, important to keep certain pointers in mind before making a claim. If you meet with an accident, try to note down details of the party who caused the accident and submit an FIR immediately. Then you can lodge a claim along with relevant documents. The same applies even in the case of a theft. Claims can be initiated by filling up the ‘Claim Form’ that is made available on the website of their company. In cases of cashless services, you need to only provide an invoice receipt and the rest will be taken care of. In case of reimbursement of expenses, you need to provide all the relevant bills.

    In case it is a third-party claim, it is always wise for the insured party to contact Iffco Tokio on their toll-free number, discuss with the customer support team, file an FIR and fill the claim form.

    While making a claim, it is also important to keep certain documents and information handy. Below is the basic list of documents and information to have in place while making a claim:

    • Policy number
    • Driving license
    • RC book
    • Insurance papers
    • Date & time of incident
    • Extent and value of loss caused (This will usually be assessed by the insurer)
    • Location of accident/breakdown or unfortunate
    • Vehicle number
    • Contact details
    • FIR in cases of death, third-party damage, accident or bodily injury
    • Repair bills
    • RTO letter in case of theft

    General information related to claims:

    • Report extent of loss
    • Once the insurance provider gets the claim intimation, the claim form
    • A specialist will be deputed to survey the extent of loss

    Cashless Claim Process for Iffco Tokio Car Insurance

    A dedicated cashless claim team works round the clock to make the process easy and convenient for you. Below is the process to be followed while making a cashless claim:

    • Contact the insurance company and provide all relevant details
    • If your car is in a state to be driven to the nearest cashless garage, take it there. If not, seek towing services.
    • Once the car is repaired in the cashless garage and ready for use, you can provide policy details and drive off.
    • The payment will be made by the insurance provider to the network garage

    Reimbursement Claim Process for Iffco Tokio Car Insurance

    Here are the steps to follow while making a reimbursement claim process:

    • Fill out the claim form
    • Provide all the necessary bills and invoices
    • Reimbursement will be made within 7 working days

    IFFCO Tokio Car Insurance Reviews

    • Iffco Tokio Car Insurance
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for taking the car insurance policy with the IFFCO TOKIO GENERAL INSURANCE and i had no claim experience with this policy. The policy coverage is for zero depreciation and also the premium and the IDV value is satisfactory.
      Was this review helpful? 0
      , amreli
      Reviewed on Jan 19, 2019
    • Iffco Tokio Car Insurance
      "GOOD"
      0.5 3.5/5 "Pretty good"
      There is no particular reason for taking the IFFCO TOKIO GENERAL INSURANCE and the policy coverage is for zero depreciation policy with this insurance also added on that i had no claim experience with this policy. The premium and the IDV value is satisfactory.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 19, 2019
    • Iffco Tokio Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The reason for taking the car insurance policy is that they are offering with the zero depreciation with this policy so i have taken the policy with the IFFCO TOKIO GENERAL INSURANCE. The premium and the IDV value is satisfactory with this policy but i had no claim experience.
      Was this review helpful? 0
      , barmer
      Reviewed on Jan 14, 2019
    • Iffco Tokio Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have purchased my car insurance policy with the IFFCO TOKIO GENERAL INSURANCE where they have offed the policy coverage is for bumper to bumper added on that the premium what i have paid is higher when compare to the others, the policy coverage is lower.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 05, 2019
    • Iffco Tokio Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have a car insurance with Iffco Tokio and its been almost 10 to 12 years. I have no claim till now. I am happy with the insurer and it was easy to renew every year, this insurance was suggested by the showroom retailer and am continuing with them. It is a third party insurance. The premium is economical.
      Was this review helpful? 0
      , aurangabad
      Reviewed on Dec 30, 2018
    • Iffco Tokio Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have taken my car insurance with Iffco Tokio and experience was good. I got the insurance through agent, the premium is reasonable. It is a comprehensive insurance. The policy period is one year. I have received the documents. The customer service is fine. I don't have any claim and the policy coverage is good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 24, 2018
    • Iffco Tokio Car Insurance
      "Need to improvet the service"
      0.5 1.0/5 "Really Bad"
      The customer service is not good and am not satisfied with Iffco Tokio. I have applied for a claim and the process was not immediate. The representative was not helpful and have withdraw my claim. I would suggest them to improve the service. It is a comprehensive insurance and it has bumper to bumper.
      Was this review helpful? 0
      , bahadurgarh
      Reviewed on Dec 23, 2018
    • Iffco Tokio Car Insurance
      "Average"
      0.5 4.0/5 "Great!"
      So far good, I did not face any issues with Iffco Tokio. Still I have not received the hard copy and got the soft copy. They have offered the best premium with higher IDV value when compared to others. There is no claim and have paid around 7K for one year policy through online.
      Was this review helpful? 0
      , tenali
      Reviewed on Dec 15, 2018
    • Iffco Tokio Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      The policy covers bumper to bumper offer. The premium is reasonable with Iffco Tokio so I have taken my car insurance. The policy coverage is better. I got the insurance papers of both hard copy and soft copy, The payment mode is online and opted for one year.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2018
    • Iffco Tokio Car Insurance
      "Better"
      0.5 4.5/5 "Excellent!"
      The customer service is good, It had better features than others. It was around 25 or 26 approx.. The policy period is one year. I got the soft copy immediately and have not received the hard copy. It is a zero dep with comprehensive which covers bumper to bumper.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • Iffco Tokio Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      My car was insured with Iffco Tokio for next one year and the process was done by my husband. Actually they have offered me a better deal compared to my previous insurer. I have received the insurance papers on time. I think the policy coverage is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 07, 2018
    • Iffco Tokio Car Insurance
      " Good"
      0.5 4.0/5 "Great!"
      The policy coverage is quite decent. I have chosen Iffco Tokio mainly for lower premium, bumper to bumper offer with zero dep. They have sent the hard copy and soft copy on time. The payment mode is online and am convenient. I had no issues and no claim its going good so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 07, 2018
    • Iffco Tokio Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken Iffco Tokio for zero depth and unlimited claim can be done. The customer service is good. I have received the hard copy and soft copy of my insurance. The premium is reasonable. I have chosen Auto Protector + Zero Dep for one year. They are giving good IDV value. I would suggest them to have cashless facility in local workshops as well.
      Was this review helpful? 0
      , nagpur
      Reviewed on Dec 06, 2018
    • Iffco Tokio Car Insurance
      "Need to interact with the customer as soon"
      0.5 4.0/5 "Great!"
      I am expecting the hard copy which I have not received it and contacted the customer service. I have taken a car insurance with Iffco Tokio through online channel. The policy coverage is average. I took a policy of Auto Protector + Zero Dep which covers bumper to bumper and IDV is good comparing to others. The premium is economical.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2018
    • Iffco Tokio Car Insurance
      "Average"
      0.5 1.0/5 "Really Bad"
      I have not received the hard copy for my insurance. I have dailed the customer care number and the response was not satisfactory. I am not satisfied with the service of Iffco Tokio. I have paid the premium of 13K to purchase the insurance for one year.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 06, 2018
    • Iffco Tokio Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      The services are very fine and am using it for last 4 years. I am happy with the claim experience and it was on time. The customer service is good. They have wide range of workstations for the claim. They are giving bumper to bumper for one year. I have paid around 11K through online.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 05, 2018
    • Iffco Tokio Car Insurance
      "Nice experience"
      0.5 4.0/5 "Great!"
      Earlier I had my car insurance policy with Iffco tokio and I used the services for three years. I also had a claim once and the process was smooth and easy. I had no delay and inconvenience. The service centers are also good. The customer support is fine.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 30, 2018
    • Iffco Tokio Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      It was a simple process with Iffco tokio for the car insurance policy. The customer support and response is fine. I have taken a Auto Protector + Zero Depreciation plan. It is a bumper to bumper coverage. The policy coverage value is fine, though I have not checked about it in detail. The premium is normal.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Nov 25, 2018
    • Iffco Tokio Car Insurance
      "Good deal in premium"
      0.5 4.0/5 "Great!"
      Iffco Tokio is doing good in the process for the car insurance. The customer support and response is fine. I got the policy documents on time. The policy coverage value is good and there are good features as well in the policy. The main purpose I chose this insurer is because of the premium cost.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 25, 2018
    • Iffco Tokio Car Insurance
      "Need to work overall"
      0.5 2.0/5 "Expected more"
      My car insurance is with Iffco tokio general insurance. The policy coverage value is okay. But I was made to renew the policy two to three months earlier and I was told that I would get a better premium rate. But now I realized that the premium charges are 1K more.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2018
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