Toyota Fortuner Car Insurance

Toyota Fortuner is one of the most popular and favoured SUVs in India. This SUV is another brilliant and innovative product from one of the leading car manufacturers, Toyota. The SUV offers the consumers both style and sophistication while enhancing the overall driving experience on the Indian terrain.

Insurance Providers for Toyota Fortuner

There are a number of insurers providing insurance coverage for Toyota Fortuner, a few among them are listed below:

• Royal Sundaram General Insurance Co. Ltd.
• Bharti AXA General Insurance Company Ltd.
• Bajaj Allianz General Insurance
• HDFC ERGO General Insurance Company Limited
• L&T General Insurance Co. Ltd.

Price range of Toyota Fortuner

Fuel Type	Variants of Toyota Fortuner	Manual/Automatic	*Ex-Showroom price for Bengaluru
Petrol	(2.7L) 4x2 MT	Manual	Rs.26,43,000
	(2.7L) 4x2 AT	Automatic	Rs.28,09,500
Diesel	(2.8L) 4x2 MT	Manual	Rs.28,00,400
	(2.8L) 4x2 AT	Automatic	Rs.30,29,900
	(2.8L) 4x4 MT	Manual	Rs.30,49,400
	(2.8L) 4X4 AT	Automatic	Rs.32,27,800

*Please note that the above prices are exclusively for Bangalore, the prices will vary with the geographical location.

Mileage of Toyota Fortuner

The company claimed mileage for both petrol and diesel variants of Toyota Fortuner is 14.2 Kmpl.

Engine Specifications of the New Toyota Fortuner

Fuel Type	Diesel	Petrol
Displacement (cc)	2,755 cm3 [cc]	2,694 cm3 [cc]
Valve Train	Double Overhead Camshaft [DOHC], 16 valve	Double Overhead Camshaft [DOHC], Dual VVTi, 16 valve
Charging System	Variable Nozzle Turbocharger with Intercooler
Number of cylinders and Layout	4 Cylinder, In-line	4 Cylinder, In-line
Maximum Output	130 kW (177 PS) @ 3,400 rpm	122 kW (166 PS) @ 5,200 rpm
Maximum Torque	420 Nm [MT] @ 1,400 - 2,600 rpm/450 Nm [AT] @ 1,600 - 2,400 rpm	245 Nm @ 4,000 rpm

Inclusions and Exclusions of Toyota Fortuner Car Insurance

There are two kinds of car insurance policies available and each one comes with certain inclusions and/or exclusions.

• Inclusions:
  • Third-party Liability Cover:
    • Third-party liabilities toward accidental injury
    • Third-party liabilities toward vehicle damage
    • Liabilities due to external property damage
  • Comprehensive Cover:
    • Liabilities toward own accidental injuries
    • Third-party liabilities from external property damage
    • Liabilities toward own vehicle damage
    • Third-party liabilities toward vehicle damage and accidental injuries
• Exclusions:
  • Third-party Liability Cover:
    • Doesn’t cover own vehicle damage
    • Doesn’t cover own accidental injuries
  • Permanent Exclusions:
    • If your car insurance policy expires, you will not be allowed to raise a claim
    • Your claim will be denied if you were driving under the influence of alcohol when the accident took place
    • Driving without valid license or breaking traffic rules will result in claim denial
    • You cannot use a commercial vehicle as a private vehicle and vice-versa, this will result in your claim being denied
    • Your claim will be denied if you stage accidents or try fraudulent means to avail the claim amount
    • You can't raise a claim if you continue driving your car in a bad condition that ultimately leads to its breakdown
    • You can’t raise a claim for regular wear and tear of the vehicle

Factors that affect Toyota Fortuner Car Insurance Premium

Your car insurance premium is calculated based on a number of factors such as:

• Your geographical area
• Your car’s age
• Whether your vehicle is used for private or commercial purpose
• Your driving experience

There are other factors apart from the ones mentioned above that determine the car insurance premium.

Easy Steps To Apply for Toyota Fortuner Car Insurance

You can buy car insurance for your Fortuner either online or offline depending on your comfort.

• Online:

To make it easier for consumers to shop for insurance policies, the insurers have their own websites and apps. The following are the perks of online shopping:

• The process is not at all time consuming
• Paperless documentation
• Built-in premium calculator

Before you start comparing or buying the insurance policy, ensure that the websites and apps you avail insurance from are genuine.

• Offline:

This is of course the old-school method of buying insurance. Consumers can visit different insurer offices/meet with insurance agents to get information on various car insurance policies available to them. Consumers can then use the collated data to compare and choose one that meets their insurance needs.

Add-on covers for Toyota Fortuner Car insurance

Most of the car insurers offer a wide range of rider options to increase the overall insurance coverage in a way that benefits the policyholder. Below listed are a few of the well-known riders:

• Accident cover for car passengers
• Zero depreciation cover
• Engine Protect cover
• No Claim Bonus (NCB) protect
• Return to Invoice cover

Trim your Toyota Fortuner Car Insurance Premium

You can lower your car insurance premium by:

• Accumulating No Claim Bonuses (NCB)
• Buying traditional cars instead of high-end vintage and sports cars
• Not availing extensive coverage for old cars
• Becoming a member of Automobile Association of India (AAI)
• Opting for voluntary high deductibles
• Renewing policy on time
• Installing safety and navigation devices in your car

Insured Declared Value for Toyota Fortuner Car Insurance

Insured Declared Value (IDV) is the market value of your car depending on your car model, make, age, etc. The higher the IDV of your car, higher will be the car insurance premium.

Claim Process for Fortuner Car Insurance

Raising claim involves two steps:

1. Contact your insurer as soon as the mishap happens and inform the police officials about the accident. File a FIR report at the nearest police station.
2. Once you inform the insurer about the accident, raise a claim request and provide all the necessary documents to support your claim.

You can opt for either cashless claim or reimbursement claim.

Cashless Claim Process

Under this claim process, you can get your car repaired at authorised garages without spending for the repairs from your pocket. The authorised garages are those garages that have tie-ups with the insurer and are called cashless garages. Post all the repair work, the insurer settles the bills with the garage directly.

Reimbursement Claim Process

This claim can only be requested when you are unable to find a cashless garage nearby. You can take your car to the nearest garage and get your car repaired. Unlike the cashless claim, you have to pay for the repair work. Once you have made the payment, you need to submit the invoice to the insurer and the insurer will reimburse the amount you spent on the repairs.

Toyota Fortuner Car Insurance FAQs

1. What are the types of Car Insurance policies?

   There are two types of car insurance policies available depending on the insurance coverage:

• Comprehensive cover
• Third-party liability only cover
2. What are the different risks covered under the Own Damage Cover?

   The different risks covered under the own damage cover are:

• Man-made calamities like fire, explosion, theft, etc.
• Natural calamities like Hurricane, Typhoon, Storm, Earthquake, etc.
• Malicious acts
• Terrorist activities
3. What is a No Claim Bonus?

   For every claim-free year, the policyholder is rewarded an amount as a bonus by the insurer. These bonuses are called No claim bonuses (NCBs) and can be used to avail discounts on insurance premiums.

4. What is Anti-theft Discount?

   When you fit your car with ARAI approved anti-theft devices, you are eligible for discounts on your insurance premium. This is called Anti-theft discount.

5. What is Voluntary Deductible?

   Voluntary Deductible is the minimum amount that you opt to bear at the time of your claim settlement.