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  • IIFFCO Tokio Two Wheeler Insurance

    Two Wheeler Insurance
    • Get quotes from multiple insurers
    • Cashless garages available
    • Buy/renew your policy online without hassles

    Two-wheelers are a preferred mode of transport by many people in India as it costs less and reduces the commute time. But with so many two-wheelers on the road, it is important to be protected against financial liabilities that might arise out of accidents. The best way to be prepared to meet such contingencies is to have a motor insurance policy. The Government of India made it mandatory for all vehicles to have a third-party liability policy under the Motor Vehicles Act, 1988. IFFCO Tokio offers an insurance policy that can be purchased easily online.

    Features And Benefits Of IFFCO Tokio Two-Wheeler Insurance

    Policy Period 12 months (Customisable)
    Policy Types Comprehensive private car cover
    Policy Coverage
    • Theft
    • Physical damage
    • Third-party liability
    Exclusions
    • Claims due to contractual liabilities
    • Loss or liability incurred outside the geographical area covered
    • Liability incurred due to nuclear weapons
    • Normal wear and tear
    • Electrical or mechanical breakdown
    • Invalid driving licence
    • Loss or damage due to war
    • Riding under the influence of alcohol or drugs
    • Consequential loss
    Renewal frequency End of policy term
    Available Add ons Optional personal accident insurance for pillion rider
    No Claim Benefit Provided for every claim-free year. Discount is capped at 50% maximum. NCB is granted if the policy is renewed within 90 days of the expiry date of the previous policy
    No Claim Benefit after Claim NCB becomes nil
    Zero Depreciation Cover Available
    Refund Facility Policy can be cancelled by giving 7 days notice provided no claim has risen during the policy term. The company will refund the premium minus short period rates.
    Policy Expiration The policy will expire on at the end of the policy term. You may renew the policy to continue your coverage
    Network Garage Over 2,300 network garages across the country

     

    Reasons To Choose IFFCO Tokio Two Wheeler Insurance

    When you opt for a two-wheeler insurance policy from IFFCO Tokio, you stand to benefit from a number of value-added features.

    • Easy Claim Settlement

      Assistance is provided round the clock by IFFCO Tokio to customers all across India.

    • Payment Modes

      Multiple payment modes are available to pay the premium towards your two-wheeler insurance policy. You can make the payment online as well as offline.

    • No Claim Bonus

      Enjoy discounts on premium for every claim-free year. You can get up to 50% of on your premiums through NCB. To avail the NCB, you need to renew your policy within 90 days from the expiry date of the previous policy.

    • Tailormade packages

      IFFCO Tokio allows customers to tailor their insurance package as per their needs and requirements.

    • Cashless Claims

      You can make cashless claims at any of the garages in IFFCO Tokio’s network.

    Two wheeler Insurance Plans Offered By IFFCO Tokio:

    IFFCO Tokio offers one general bike insurance policy which provides comprehensive cover. The insurer also provides customisable options for customers to tailor their insurance plan according to their needs. While a liability-only policy is mandatory by the Indian Government, it is wise to have a comprehensive package policy that will cover damages to your own vehicle and self as well.

    Comprehensive Insurance

    Comprehensive cover is basically a package policy that provides protection not only against third-party liabilities but also against expenses arising out of injuries to yourself and damages to your own vehicle, By opting for this plan, you can be insured in the following instances:

    • Damage or loss caused by natural calamities
    • Damage or loss caused by manmade calamities
    • Personal Accident Cover
    • Third-Party Legal Liability

    This plan carries the benefits of cashless claims if you avail the services of a network garage. You can also benefit from No Claim Bonuses upon renewal if you do not make a claim during the policy term.

    Coverage Offered Under IFFCO Tokio Bike Insurance

    When you buy a comprehensive two-wheeler insurance policy from IFFCO Tokio, you will be covered financially in a number of instances.

    • Third-party liability

    For any accidental damages or loss caused to a third party, the insurance company will pay for any legal liabilities as per the provisions of the plan. This plan will take care of expenses related to accidental death, permanent injury or damage to property of a third party.

    • Loss or damage to own vehicle due to natural calamities

    The natural calamities covered include fire, explosion, hurricane, tempest, cyclone, self-ignition or lightning, typhoon, earthquake, storm, frost, inundation, hail storm, flood, landslide and rockslide. If your vehicle is damaged or lost completely due to natural events, the insurance plan will pay out a benefit to cover expenses or losses.

    • Loss or damage to own vehicle due to manmade disasters

    The two-wheeler insurance policy will also cover certain manmade disasters. These include accident by external means, theft, burglary, riot, strike, terrorist activity, any malicious act, any damage in transit by air, rail, road, rail, inland waterway, lift, or elevator.

    • Personal accident cover

    The cover offered with this plan is Rs.1 lakh. The owner or driver will get an individual accident insurance cover for any injuries sustained while driving, travelling, mounting or dismounting the bike.

    • Additional cover

    Policyholders can also take additional cover for pillion riders and unnamed riders.

    Exclusions In IFFCO Tokio Two Wheeler Insurance

    There are certain exclusions applicable under a 2 wheeler insurance policy from IFFCO Tokio. Under these particular circumstances, the insurer will not be liable to pay any benefits to the policyholder.

    • Damage caused by a person riding without a valid driving license
    • Damage caused by a person riding under the influence of alcohol or drugs
    • Normal wear and tear of the vehicle including general ageing
    • Loss or liability incurred outside the geographical area covered
    • Electrical or mechanical breakdown
    • Vehicles used for purposes other than in accordance with the limitations of use such as hire and reward, except for public commercial vehicles
    • Loss or damage due to war, nuclear risk or mutiny

    Eligibility To Buy IFFCO Tokio Two Wheeler Insurance Online:

    Every insurer has a set of requirements which a prospective customer must fulfill before they can buy an insurance policy. The eligibility criteria differs between companies, and also between purchase and renewal. There are certain aspects that any insurance company will check before handing out an insurance policy.

    • Driver details - The person who will be using the vehicle must be of legal age to ride and have a valid license.
    • Registration - The bike needs to be registered with a Regional Transport Office (RTO) in the country.
    • Fitness certificate - The vehicle might need a fitness certificate, especially if it is an old bike.
    • Inspection - Depending on the vehicle, an inspection by a representative of IFFCO Tokio might be required.
    • Payment - Depending on the plan chosen, a premium amount will have to be paid to avail the policy.
    • Modifications - Some insurance providers might be reluctant to insure a vehicle with modifications, or might provide insurance at a higher premium.

    Steps To Buy IFFCO Tokio Bike Insurance Policy Online:

    You can purchase a policy for your 2 wheeler at any of the IFFCO Tokio branches. The insurer also makes it easy to buy a policy online in a few simple steps.

    • Log on to the IFFCO Tokio official website and opt for Motor Insurance .
    • You can choose between three options:
      • Buy New Policy
      • Renew Existing Policy
      • Renew Non IFFCO Tokio Policy
    • Select the one you wish and fill up the required details.
    • You can then choose optional covers and check if you’re eligible for discounts.
    • Click on “Calculate Premium” to find out how much the insurance policy would cost.
    • If you are satisfied with the price, you can go ahead and purchase the policy.
    • Once you make the payment, the policy will be issued.

    How To Make A Claim From IFFCO Tokio General Insurance

    IFFCO Tokio provides a number of avenues to make a claim as quickly as possible without much of the hassle. It is important to immediately report any incident that might lead to a third-party claim to the insurance company. Any accident from which any other claim might arise should also be intimated to the insurer as soon as possible.

    1.Registration of a Claim

    You can register a claim with IFFCO Tokio via the following avenues:

    • Call the customer care on 1800-103-5499 or 0124-4285499. These hotlines are available 24x7 for customers.
    • Walk into the IFFCO Tokio branch that issued your policy. You can locate the nearest branch on the official website. The offices are opened between Monday and Friday from 9:30 a.m. to 6:00 p.m.
    • Send an SMS to register your claim. SMS “CLAIM” to 56161. A representative will contact you within 4 working hours.
    • You can send an email through the official website. This service should not be used if you are reporting a theft claim, damage to third-party property and injury claims.

    2.Intimation

    When making a claim, you need to keep the following details ready:

    • Description of the loss, damage or accident
    • Cause of the loss, damage or accident
    • Details of the garage or hospital
    • Details of your policy number
    • The insurance provider will verify your claim, and if approved, will settle the claim.

    3.Settlement

    If you are at a garage that is within the IFFCO Tokio network, you will be eligible for cashless facility. The insurer will settle the bill directly with the garage, and you will only be liable to pay for any amount that is not covered by your policy.

    If you are at any other garage, you need to settle the bill and collect a reimbursement from IFFCO Tokio. You will need to submit your documents to the insurer for verification.

    • Claim form
    • Estimate of repairs
    • Copy of insurance policy
    • Copy of registration certificate
    • Copy of the driver’s licence of the person who was driving
    • FIR, if reported to the police

    Renew IFFCO Tokio Two Wheeler Insurance Online In A Few Simple Steps

    It is unsafe to ride your bike without a valid insurance policy. If an accident were to occur, you could end up being liable to pay high costs in damages to your own vehicle and to third parties involved, including any damages to surrounding property. A valid insurance policy will help you take care of the expenses. Apart from this, it is mandatory to have an active motor insurance plan as per the prevailing motor laws of India. To ensure you do not miss the renewal date, you can set a reminder on the IFFCO Tokio website. Renewing your policy can be done in a few simple steps.

    • Log on to the IFFCO Tokio official website and opt for Motor Insurance .
    • You can choose between three options:
      • Buy New Policy
      • Renew Existing Policy
      • Renew Non IFFCO Tokio Policy
    • Select “Renew Existing Policy”.
    • Enter your policy number of your cover note number.
    • Provide other details such as the vehicle registration number, your contact information and click on “Search”.
    • Once your policy has been found, you can then proceed to renew your policy.
    • Pay the premium amount and your new document will be issued.

    When you renew your policy on time, it is hassle-free and much simpler. Once the policy expires, renewal might require additional inspections and other information before the insurer is satisfied to give you a policy.

    Why Deductible Is important In A IFFCO Tokio Bike Insurance Plan?

    When you take out an insurance policy on your vehicle, you might be given a deductible or be asked to choose one. Deductibles refers to the amount you are willing to pay in the event you incur costs in an accident involving your 2 wheeler. The insurance provider will be liable to pay for the remaining amount. For example, if you opt for a 15% deductible, then the insurer will only pay 85% of the cost, to the extent of the sum assured. You will be liable to pay for 15% of the damages caused to your vehicle or a third party. Choosing a lower deductible will increase your premiums, but at the time of claiming insurance, IFFCO Tokio will pay a higher amount. A higher deductible will lower your premiums, but this will also mean that in case of an accident, you will be liable to pay a higher amount.

    What To Do If Your IFFCO Tokio Two Wheeler Insurance Plan Expires?

    If you have missed the renewal date and your policy has lapsed, there are a few things you can do to remedy the situation. If you wish to renew a lapsed policy, you will need to contact IFFCO Tokio customer care and find out what options are available. Alternatively, you can purchase a fresh policy.

    • Log on to the official IFFCO Tokio website.
    • Choose to purchase a new policy.
    • Enter your details and calculate your premiums.
    • If you are satisfied with the cost of the plan, you can make the payment.
    • Once the premium is paid, the policy will be issued.

    IFFCO Tokio Two-Wheeler Insurance Customer Care Service:

    IFFCO Tokio provides a customer care service round the clock to address any grievances, claim settlements, queries and complaints that customers might have.

    • Toll-free hotline - 1800-103-5499
    • Tolled number - 0124-4285499
    • Email - websupport[at]iffcotokio[dot]co[dot]in
    • Address -

    Corporate Office, IFFCO Tower, Plot no. 3,

    Sector 29, Gurgaon - 122001

    Haryana, India

    • You can also contact IFFCO Tokio using the contact form available on the official website

    IFFCO Tokio Two Wheeler Insurance Frequently Asked Questions:

    1. Can I renew my IFFCO Tokio two-wheeler insurance policy offline?

      Yes, you can do this via the following methods:

      • You can contact the customer care on 1800-103-5499 or 0124-4285499.
      • You can also renew your policy through your agent or at the nearest branch.
    2. How much premium do I have to pay to avail a two-wheeler insurance policy?

      The premiums for a bike insurance policy depends on these factors:

      • Insured's Declared Value (IDV)
      • Age of the vehicle
      • Cubic Capacity of the vehicle
      • Geographical Zones
    3. What is Insured Declared Value? Is it important?

      The prevailing market value of your vehicle is the Insured Declared Value. IDV is important because the insurer will take this into consideration and then decide on the sum insured for your vehicle. The reason IDV is important is if you choose a sum higher than the market value, you might end up paying higher premiums for no reason. If you choose a lower IDV, then your premiums come down but so will your insured amount.

    4. What kind of vehicle can I insure with IFFCO Tokio?

      You can insure any four-wheeler or two-wheeler intended for private use.

    5. How do I know if the garage I’ve chosen is a network garage?

      IFFCO Tokio provides a list of network garages on its official website. You can also contact the customer care for assistance to find out if the garage is within the IFFCO Tokio cashless network.

    6. Does IFFCO Tokio provide renewal reminders?

      You can set a reminder for renewal on the IFFCO Tokio website.

    7. What is the maximum sum IFFCO Tokio will pay for liabilities?

      In case of death or injury to a third party, there is no limit. For damage to a third-party property, the limit is Rs.1 lakh for motorcycles and scooters.

    Two Wheeler Insurance Reviews

    • review Two Wheeler Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      I have been holding since last 5 years. But also i had no claim experience from my insurance. The customer service i have no idea because i have not yet contacted. The insurance which i am holding is paperless. Policy coverage is good and getting full coverage. Plan benefit is good.
      Was this review helpful? 0
      , navsari
      Reviewed on May 26, 2018
    • review Two Wheeler Insurance
      "Good Services from IFFCO TOKIO"
      0.5 4.0/5 "Great!"
      When i purchased the vehicle, they provided me a IFFCO TOKIO two wheelers insurance, after that i used renew the policy with them. I'm not aware of the plans and benefits of it. I have been using this policy for past 4 years. I used to pay the premium of Rs. 1150 every year.
      Was this review helpful? 0
      , salem
      Reviewed on May 19, 2018
    • review Two Wheeler Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken two wheeler insurance from Iffco tokio general insurance for last 2 years . I make payment annually through online banking . Every year i have to renew this policy.customer service and response is good regarding renewal process.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2018
    • review Two Wheeler Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I've been using IFFco Tokyo Bike Insurance for more than 4 years and I never had any problems with the policy and their service. I renew the policy online. They also send regular updates about the renewal date and other important notifications. This is the 3rd party insurance. I'm paying Rs. 1100 for yearly once. Overall its a reccommendable bike insurance policy to have.
      Was this review helpful? 0
      , nagpur
      Reviewed on May 14, 2018
    • review Two Wheeler Insurance
      "Happy with the services"
      0.5 4.0/5 "Great!"
      My previous Two Wheeler Insurance company was from Iffco Tokio, it was a good policy everything about the policy I was well versed with, the premium value and the Idv was good. I was fine with the policy and it's plan benefits. There was no claim experience on the policy so far.
      Was this review helpful? 0
      , faridabad
      Reviewed on May 08, 2018
    • review Two Wheeler Insurance
      "Happy with the policy "
      0.5 5.0/5 "Blown Away!"
      I had a Two Wheeler Insurance policy from Iffco Tokio previously. The policy was also good I had no troubles with the premium amount I paid or the Idv I was receiving. Everything seem to be good with the policy coverage and the plan benefits, I never took any claim on the policy and I was satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 08, 2018
    • review Two Wheeler Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had a good experience with Iffco Tokio but there was no claim experience. I have taken this insurance through an agent. I have a Hero Pleasure Bike. The premium was lower compared to other insurance companies. The policy coverage and the plan benefits are good. They don't offer option for 3 years and I can take policy only for one year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 07, 2018
    • review Two Wheeler Insurance
      "a good comfortable product"
      0.5 3.0/5 "Satisfactory"
      I had applied and got the two wheeler insurance from the IFFCO TOKIO GENERAL INSURANCE. I can choose the on line payment type to renew the two wheeler insurance policy. The customer service is good and well responsive. The premium is Rs. 899- which is affordable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • review Two Wheeler Insurance
      "Can improve on the services"
      0.5 3.0/5 "Satisfactory"
      My two wheeler insurance is with Iffco Tokio. Though I have not faced a claim experience personally, to what I hear from my friends that the services during a claim is not up to the mark. They need to work on that. The coverage and benefits are good, like a third party coverage and IDV is good.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jan 10, 2018
    • review Two Wheeler Insurance
      "Good Service Provider"
      0.5 4.0/5 "Great!"
      I took Iffco Tokio two wheeler through my friend who is acutally working there. I have insured royal enfield vehicle, I made the premium around Rs. 1100, for Third party policy includes man made or natural calamities. It also has an accidental cover. They provided Rs. 85,000 of IDV value, my vehicle cost was around Rs. 1.20 and this happened before 5 years.
      Was this review helpful? 0
      , gandhinagar
      Reviewed on Jan 08, 2018
    • review Two Wheeler Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I hold a two wheeler insurance with IFFCO TOKYO for the last 2 years. It is a good insurance policy to hold. This policy has to be renewed every year further i pay a premium of Rs 1200 for this insurance policy. I do not have claim experience so far with this insurance. I get a coverage of 60-70% and I am very much satisfied with this policy.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jan 05, 2018
    • review Two Wheeler Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Iffco Tokio General Insurance is also good, earlier I took bike insurance from them. I am not sure about the premium because it was paid by my parents. But I believe they provided around 80% of coverage on bike value. At the time of activation policy copy was issued on time from their end.
      Was this review helpful? 0
      ,
      Reviewed on Jan 03, 2018
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