"Spending a whole day looking for insurance is fun," said nobody, EVER!

    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 2000+
    Incurred Claim Ratio 2016-17 84.37%
    Net Earned Premium NA
    Covers Provided
    • No claim bonus
    • On road protector coverage
    • Value auto coverage
    Features
    • Quick claim settlement
    • 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 2,000 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
      "Disappointed Service"
      0.5 1.0/5 "Really Bad"
      I took Auto protector + zero dep plan from Iffco Tokio, initially they told it was fully bumper to bumper, when I check with the dealer they told it was not fully covered. Then I paid the cash from my end, it was totally disappointed experience. However I paid the premium of around Rs. 12,000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • Iffco Tokio Car Insurance
      "Premium should be competitive"
      0.5 4.0/5 "Great!"
      Iffco Tokio response time and the follow up part was lacking in the service. But last time they provided me cash less service, it was also comprehensive plan hence the policy has all the basic features like third party damage, road side assistance and coverage on loss or damage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2018
    • Iffco Tokio Car Insurance
      "Not satisfied with the services"
      0.5 2.0/5 "Expected more"
      I previously had my car insurance policy taken from Iffco Tokio, I really had faced some issues at the time of claim, they took 7 days for processing the amount and only half the amount was approved, I was not happy and even the representative was very rude. I had bad experience.
      Was this review helpful? 0
      , chhachharauli
      Reviewed on Mar 13, 2018
    • Iffco Tokio Car Insurance
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I had a car insurance policy from the private sector insurance company IFFCO TOKIO GENERAL INSURANCE which i bought through a online partner. My annual premium amount is Rs. 12,082 which is very reasonable. Most of all benefits are covered under one policy, no need to top the plan.
      Was this review helpful? 0
      , mandya
      Reviewed on Mar 07, 2018
    • Iffco Tokio Car Insurance
      "Need transparent about the coverage"
      0.5 3.5/5 "Pretty good"
      Earlier I had a car insurance from Iffco Tokiyo, the policy features was good. But the service was not upto the mark like Bajaj Allianz. I felt Iffco Tokiyo was not transparent about the coverage. Last time they gave me good IDV but this time Iffco Tokiyo required some clarity and transparency on their process.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Mar 05, 2018
    • Iffco Tokio Car Insurance
      "Good Auto Protection"
      0.5 4.5/5 "Excellent!"
      I never experience with Iffco Tokiyo, based on the premium I believe its good and the IDV cover is better. The customer service is also good they sent policy copy once policy got activated. I paid the premium around Rs.13.5 for auto protector plan has the tenure of one period, they gave me IDV value around Rs. 4.5 lakhs for my Ford Fiesta car its five years old. It has all the basic features.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • Iffco Tokio Car Insurance
      "premium is high"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance policy from a IFFCO TOKIO GENERAL INSURANCE. I can say my annual premium amount is very high by comparing with present policy. My annual premium amount is Rs.9000/-. I can prefer on line payments to renew my car insurance policy with in due time. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 25, 2018
    • Iffco Tokio Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      " I am satisfied with my previous car insurance policy from Iffco Tokio. I never took a claim from this policy, but I was satisfied with the policy coverage, I did not face any kind of difficulty with the customer service or any other processing."
      Was this review helpful? 0
      , jammu
      Reviewed on Feb 23, 2018
    • Iffco Tokio Car Insurance
      "Poor"
      0.5 2.0/5 "Expected more"
      I had a car insurance policy from Iffco Tokio previously. The Idv I was getting on this policy was very low, which was around Rs 2,00,000 and I was not satisfied with this policy, the premium amount was around same as the present policy. Rest everything was fine. I would not recommend the policy to others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Iffco Tokio Car Insurance
      "Poor"
      0.5 2.0/5 "Expected more"
      I have taken a car insurance policy from Iffco Tokio. The reason I took this policy is because of it's good credibility I was willing to pay higher premium which is around Rs. 7,461 and Idv is around Rs. 2,00,160. But I had a claim experience I was not satisfied I had still pay extra from my pocket.
      Was this review helpful? 0
      , rohtak
      Reviewed on Feb 17, 2018
    • Iffco Tokio Car Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Iffco Tokio. Based on the premium amount and Idv I was satisfied taking this policy, competitively the premium was low. My final premium is around Rs. 12,990 and Idv is around Rs. 3,60,000. I don't have any claim experience so far so I cannot comment I took the policy based on the premium.
      Was this review helpful? 0
      , indore
      Reviewed on Feb 17, 2018
    • Iffco Tokio Car Insurance
      "Excellent Service"
      0.5 4.0/5 "Great!"
      Iffco Tokiyo insurance company is also good but I didn't have any claim experience, the premium amount is high therefore my friend have suggested National Insurance. It would be great if they reduce the premium as per the market. Last time they gave me the IDV value around Rs.1.5 lakhs with the coverage.
      Was this review helpful? 0
      , satana
      Reviewed on Feb 05, 2018
    • Iffco Tokio Car Insurance
      "Its Best"
      0.5 4.0/5 "Great!"
      Its is comprehensive policy with zero dep and everything covers of my vehicle, I paid the premium around Rs. 19,000 for Maruthi Suzuki swift dzire car. Iffco Tokio gave me the IDV value cover of Rs. 3 lakhs, the premium is economical. The plan which I took is auto Protector + Zero Dep.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 05, 2018
    • Iffco Tokio Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Iffco Tokio which I renewed in the month of Nov. So far I did not face any difficulty with the processing and the customer service. I paid the final premium around Rs. 5,875, and my Idv is around 1,95,570. So far I am happy with the policy and not to have claimed anything.
      Was this review helpful? 0
      , mangalore
      Reviewed on Feb 02, 2018
    • Iffco Tokio Car Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from iffco tokio. I am satisfied with the policy coverage, their customer service is also good. My final premium is around Rs. 3,598 and my Idv is around Rs. 88,200. I would recommend this policy to others if anyone is looking.
      Was this review helpful? 0
      , tumkur
      Reviewed on Jan 29, 2018
    • Iffco Tokio Car Insurance
      "Very poor"
      0.5 1.0/5 "Really Bad"
      I had a very bad experience regarding my car insurance with my previous insurer Iffco tokio they did not manage to take care of my car at the time of dental and scratches instead I had to get it fixed from the local garage and their services are also very poor. My total premium amount was approx more than Rs. 6000 and Idv is Rs. 2,28,000.
      Was this review helpful? 0
      , raghunathpur
      Reviewed on Jan 22, 2018
    • Iffco Tokio Car Insurance
      "Satisfied with the features"
      0.5 4.0/5 "Great!"
      Iffco Tokio is overall good in the customer services. I received the documents from them on time and the IDV was good too. I did not renew the policy with them is because the premium is costlier when compared to the other insurer. I had taken my car insurance through them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • Iffco Tokio Car Insurance
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      Iffco Tokio insurance company is alone providing zero depreciation for five years of old vehicle, My car manufactured at 2011, I have Hyundai I20 car. Iffco Tokiyo providing Rs. 3.10 lakhs of cover with bumper to bumper protection. I paid the premium amount around Rs. 14,000, its includes road side assistance, third party cover and no claim bonus too.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 20, 2018
    • Iffco Tokio Car Insurance
      "Could prov a better IDV"
      0.5 4.0/5 "Great!"
      I previously took my car insurance from, Iffco Tokio. The process and services was good. I did not have to do much as we took it directly from the dealer. They came over and collected the cheque. But the premium was costly with a lower IDV. They could improve on that.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • Iffco Tokio Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My car insurance is from Iffco Tokio. The process and customer services are good. It was easy to purchase this insurance online. The main factor I considered taking this policy is because of the competitive price and the IDV is good when compared to the other providers.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 17, 2018
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