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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.

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    Two Wheeler Insurance Reviews

    • review Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I had no particular reason for taking the policy with the Iffco Tokio General Insurance and also i have applied it through offline added on that i have no interaction with the customer service because i had not experienced with the claim.
      Was this review helpful? 0
      , jharsuguda
      Reviewed on Aug 20, 2018
    • review Two Wheeler Insurance
      "BELOW AVERAGE"
      0.5 2.0/5 "Expected more"
      I have taken my two wheeler insurance policy with Iffco Tokio General Insurance and i have used it for last 2 years and i had a claim too but i am not satisfied with the claim because the customer service is not satisfied i have spent completely for the claim also the premium is higher in this policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 20, 2018
    • review Two Wheeler Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have paid the premium amount of Rs. 1300 approximately. I have purchased this policy 3 months back. I have made the payment through online. Dealer suggested me to take the policy with Iffco Tokio. The premium amount was nominal when i compared to other companies. I have not faced any troubles with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The premium i pay online for the two wheeler insurance policy which i have taken it from Iffco Tokio General Insurance and i am using it since 4 years also the process of documentation done online. Policy coverage in this policy is includes the 3rd party coverage too added on that i have no claim experience with this insurance policy.
      Was this review helpful? 1
      , anand
      Reviewed on Aug 16, 2018
    • review Two Wheeler Insurance
      "I will not prefer this policy"
      0.5 4.0/5 "Great!"
      I never benefited about the policy with Iffco tokio two wheeler insurance. I have taken this policy one year ago. I have made the payment for 4000 per year. I don't have any claim experience till now. They given me a IDV value of Rs. 1 lakhs. I don't see any features like no claim bonus as well as the cashless garages.
      Was this review helpful? 0
      , kalyan
      Reviewed on Aug 11, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      With the IFFCO TOKIO GENERAL INSURANCE i had been using and where i have purchased it through the online and the process of buying the policy is very good. The policy coverage and also the IDV value is satisfactory to me but i had no claim so far with my insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 09, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have applied for a two wheeler policy from the IFFCO TOKIO GENERAL INSURANCE physically and i have been using it for 2-3 years and the documentation was completed physically. Policy coverage is for fully covered for my two wheeler however, I dont have any claim experience .
      Was this review helpful? 0
      , surat
      Reviewed on Jul 24, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      From the IFFCO TOKIO GENERAL INSURANCE i have used the two wheeler insurance they have given the premium and the IDV value which is satisfactory to me. Apart from that the policy coverage is that covers 3rd party in my insurance. I had a no claim.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jul 22, 2018
    • review Two Wheeler Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      I had a no claim experience so far with my insurance. Premium is good and the IDV is good and it is high so that's the reason that i have taken this insurance. Policy coverage is good and it is of 90%. Apart from that the plan benefit is good and satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 22, 2018
    • review Two Wheeler Insurance
      "Overall good"
      0.5 3.0/5 "Satisfactory"
      I previously used the two wheeler insurance with Iffco Tokio. They were equally good in the services and policy coverage. It was a good experience overall. The documents was sent to me on time. The process was done in person. In all no hassles.
      Was this review helpful? 0
      , ambarnath
      Reviewed on Jul 19, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I had a no claim experience so far with my insurance. Premium is good and the IDV is good and it is high so that's the reason that i have taken this insurance. Policy coverage is good the service is good. Apart from that the plan benefit is good and satisfactory.
      Was this review helpful? 0
      , kanchipuram
      Reviewed on Jul 19, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      From the IFFCO TOKIO GENERAL INSURANCE i have used the two wheeler insurance they have given the premium and the IDV value which is satisfactory to me. Apart from that the policy coverage is that covers basic thing in my insurance. I had a no claim.
      Was this review helpful? 0
      , narnaul
      Reviewed on Jul 15, 2018
    • review Two Wheeler Insurance
      "Overall no issues"
      0.5 4.0/5 "Great!"
      Last time I had taken my two wheeler insurance with Iffco tokio. They have equally been good in the overall features and services. The customer support is good and the process to get the policy is also fine. The premium is nominal and there were no hassles overall.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 15, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      From the showroom i have purchased this insurance along with my two wheeler. The documentation done through physically where the process is simple. I am not aware of the premium that i have paid for my two wheeler. Apart from that i have not faced any of the issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 15, 2018
    • review Two Wheeler Insurance
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      Actually i have got my two wheeler insurance through the showroom from where i have got my two wheeler. The documentation is done physically. I have no idea regarding the premium because so long back i have use used so i had no claim. I have used it for 1 year.
      Was this review helpful? 0
      , patna
      Reviewed on Jul 14, 2018
    • review Two Wheeler Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It was a excellent process with Iffco tokio last year. The customer support is good and there are no hassles in the process. They offered me a good deal on the policy coverage. The premium is reasonable too. I could continue this time only because the two wheeler policy expired.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • review Two Wheeler Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I previously had my two wheeler insurance with Iffco tokio. The customer services are good. But, the premium was more costlier and the policy coverage can be a better value. So this year I have renewed my policy with another insurer. Good overall.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 10, 2018
    • review Two Wheeler Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      My two wheeler insurance was previously with Iffco tokio. The process to get he policy was good. They have also provided a good policy coverage and the plan benefits are good. The premium is also reasonable. I received the policy documents on time.
      Was this review helpful? 0
      , warangal
      Reviewed on Jul 10, 2018
    • review Two Wheeler Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am the customer of 5 years for the IFFCO TOKIO GENERAL INSURANCE the reason that i have discontinued it is there is no proper followup and response from the customer service for the renewal. Even though i had no claim there is no response. The documents were collected physically.
      Was this review helpful? 0
      , ramanathapuram
      Reviewed on Jul 10, 2018
    • review Two Wheeler Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      From the IFFCO TOKIO GENERAL INSURANCE i have used the two wheeler insurance they have given the premium and the IDV value which is satisfactory to me. Apart from that the policy coverage is that covers basic thing in my insurance. I had a no claim.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 09, 2018
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