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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 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
      "Good process and features"
      0.5 5.0/5 "Blown Away!"
      I have taken a Auto Protector + Zero Depreciation plan with Iffco Tokio for my car insurance. I had no issues to get this policy online and the best is the premium is low for a good policy coverage. I chose them because they had the best deal on the premium. I also received the policy documents on time.
      Was this review helpful? 0
      , alwar
      Reviewed on Nov 16, 2018
    • Iffco Tokio Car Insurance
      "Value for money"
      0.5 5.0/5 "Blown Away!"
      I chose Iffco Tokio this year for my car insurance, because it as value for money. The process was also smooth and easy. I got a good policy coverage value for a lesser premium. The earlier used to cost me around 10K, but this is around 8K. The features are good too.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 16, 2018
    • Iffco Tokio Car Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      Iffco tokio was overall good in the process for the car insurance. They provided good customer support and the responsive was fine too. The best about the policy is the policy coverage value. They have given me a good one and the premium is also of nominal cost.
      Was this review helpful? 0
      , hosur
      Reviewed on Nov 08, 2018
    • Iffco Tokio Car Insurance
      "Features are good"
      0.5 5.0/5 "Blown Away!"
      I have taken a auto protector+ Zero Depreciation plan with Iffco tokio for the car insurance. It is like a bumper to bumper benefit where the whole vehicle is coverage. The premium is around 7 to 8k. The policy coverage is good. There is a road side assistance. I did not get the hard copy of the insurance policy yet.
      Was this review helpful? 0
      , palwal
      Reviewed on Nov 08, 2018
    • Iffco Tokio Car Insurance
      "Good Scheme"
      0.5 5.0/5 "Blown Away!"
      The process to get the car insurance with Iffco tokio is good. I received the policy documents on time. The policy coverage provided is good. The best I prefer about the policy is the 24/7 scheme is very good. It is support and helpful. In all no hassles.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 08, 2018
    • Iffco Tokio Car Insurance
      "Best policy"
      0.5 3.0/5 "Satisfactory"
      They are providing 100% of cover for my car including plastic, fiber, glass etc and also the insured declared value is good. Iffco Tokio cost of the policy is also reasonable, I am completely happy about the features of the policy for my Wagon R car.
      Was this review helpful? 0
      , bokaro
      Reviewed on Oct 31, 2018
    • Iffco Tokio Car Insurance
      "Claim Process should be faster "
      0.5 4.0/5 "Great!"
      Recently I done claim with Iffco Tokio, my car met with an accident, they taken couple of days to repair it. I have spent the amount around Rs. 53,500 but when I applied for the reimbursement, they provided only Rs. 40,000. I am not completely satisfied with them.
      Was this review helpful? 0
      , dwarka
      Reviewed on Oct 31, 2018
    • Iffco Tokio Car Insurance
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      This particular policy was taken offline. Whatever the claim i have got it, it was not as promised one. One of my friend recommended about the policy with Iffco Tokio. Actually the claim was not cashless, i have to pay the money and i will get a re-imbursement through cheque. They have offered me only 60% of the claim. The documentation process was good. They have to improve the cashless facility and there should not be any hidden charges.
      Was this review helpful? 0
      , latur
      Reviewed on Oct 30, 2018
    • Iffco Tokio Car Insurance
      "Value for money"
      0.5 5.0/5 "Blown Away!"
      I did not use the policies or any garages till now. Based on the coverage value i have selected the car insurance policy with Iffco Tokio. In the month of March, i have taken the policy. I paid the premium which is nominal. They have provided me a coverage amount which is satisfactory. I have got the facilities of bumper to bumper, road side assistance and no claim bonus however i have not availed anything.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 30, 2018
    • Iffco Tokio Car Insurance
      "Yet to experience the claim"
      0.5 4.0/5 "Great!"
      Since they are providing the good service i have selected the Iffco Tokio. I have made a premium amount is Rs. 4500. I have taken the car insurance policy in the month of March. As per the market rate prevailing all the premium amount. I'm a regular customer of Iffco Tokio and i have taken all my insurance policies. The documentation process was good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 30, 2018
    • Iffco Tokio Car Insurance
      "Good Policy "
      0.5 4.0/5 "Great!"
      Iffco Tokio is providing the better policies in the market. They have offered me a best plan which suits me. I have got this car insurance policy approximately 3 months before. I made a premium amount of Rs. 16000 and i have got a coverage amount of more than 3 lakhs. This policy covers for the driver and accidental cover and i have provided all the documents.
      Was this review helpful? 0
      , meerut
      Reviewed on Oct 26, 2018
    • Iffco Tokio Car Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      Many company does not provide the zero dept insurance but Iffco Tokio is providing the zero dept after 5 years this is the main reason i have taken the policy with this company. I have purchased the policy in the month of June with the cost of Rs. 7000 around. They provide the road assistance also and i have got no claim bonus too. The documentation part was not that much complex.
      Was this review helpful? 1
      , pune
      Reviewed on Oct 26, 2018
    • Iffco Tokio Car Insurance
      "So far Good"
      0.5 5.0/5 "Blown Away!"
      They are giving bumper to bumper for my car and it was given a lower insurance amount compared to other insurance companies This is the reason behind i have chosen the policy. It was around Rs. 13000 i have paid as a premium amount and i have got a coverage amount of Rs. 6 lakhs and I'm happy about it. They did not taken much of the documents hence its easy. I'm not sure about the road side assistance if they provide it would be fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 26, 2018
    • Iffco Tokio Car Insurance
      "Hassle free policy"
      0.5 4.0/5 "Great!"
      Till now no claim experience with the Iffco Tokio. Around July, i have purchased the car insurance policy. The amount was much less thats the reason i have selected the car insurance with Iffco Tokio. I have received the satisfied coverage amount. They have provided the road side assistance and cashless garages facility. The documentation process was easy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 26, 2018
    • Iffco Tokio Car Insurance
      "Need to improve the services"
      0.5 3.5/5 "Pretty good"
      Since the provided the zero debt i have purchased this policy. I pay the premium amount of Rs. 10 K and I'm happy about the coverage amount whatever they have provided to me. They have not provided the bumper to bumper facility. When i apply for a claim, they have rejected for some parts of the vehicle and i just paid for the side bumper from my pocket. The procedure of claim is easy however they are not providing 100% claim.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 25, 2018
    • Iffco Tokio Car Insurance
      "Customer satisfaction policy"
      0.5 5.0/5 "Blown Away!"
      The taking this policy the coverage amount is very nice and the tie up with the different garages is very good. The pricing is the main factor of choosing the policy. I made a premium amount of Rs. 8000 nearly. I'm satisfied with the policy. Its covered all the parts and no claim bonus is one of the unique thing. I purchased this policy in the month of April. As per the market, this is the best policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 25, 2018
    • Iffco Tokio Car Insurance
      "Need to improve on their plans"
      0.5 5.0/5 "Blown Away!"
      1 year ago, i have bought my car insurance policy with Iffco Tokio. On the premium basis, this policy is not better hence i have not proceed with the same company. The ford company has provided this policy when i purchase my car. I made a premium amount was Rs. 23000 and its covered all the parts of vehicle and they have provided bumper to bumper for my car.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 23, 2018
    • Iffco Tokio Car Insurance
      "Need lot of improvement."
      0.5 2.5/5 "Just OK"
      I met with an accident, my car battery went off, I called Iffco Tokiyo to tow my vehicle, they have not turned up after 8 hours, then I called another person by my own source, I tow own car. I paid the money from my pocket. I didn't get any reimbursement. Before that both side of my vehicle damaged but they give lower coverage of one side of vehicle, my experience was not good with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 22, 2018
    • Iffco Tokio Car Insurance
      "Process should be faster"
      0.5 4.0/5 "Great!"
      I just went online in search of policy , I found the Iffco Tokiyo company is good in terms of premium. But I had to keep asking to get the hard copy finally it came. The process should be faster however I am satisfied with coverage value and also other benefits of the policy.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 22, 2018
    • Iffco Tokio Car Insurance
      "Its fine"
      0.5 4.0/5 "Great!"
      I took Iffco Tokio car policy through online portal its good,the insurer have declared the amount of 8,50,000. I purchased the car for Rs.10 lakhs in showroom. My insurance have activated on time without any delay, they has wider network in many places.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 19, 2018
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