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A car accident could lead to any of these consequences - collision with another vehicle, knocking over a pedestrian, property damage, or even death. The experience can be stressful and traumatic. Thankfully, IFFCO Tokio car insurance policy is there to help you financially and legally should any of these events occur. You can initiate the IFFCO Tokio car insurance claim process immediately after the accident.
It would be helpful to note down all the relevant information at the accident site, take photographs and make a note of the eyewitnesses. You also need to report the damage or loss of your car to IFFCO Tokio immediately by dialing its toll-free number.
The insurer will send you a claim form on receipt of claim intimation. You need to submit the duly filled form and the necessary documents to forward your claim application. The insurer will arrange for an inspection to assess the vehicle loss in the accident. Based on its assessment, the insurer decides the claim settlement amount that the insured will receive.
Here is a list of documents that you need to submit for verification, along with their photocopies for claiming an IFFCO Tokio four-wheeler insurance claim:
You can visit the IFFCO Tokio website to file an online car insurance claim. There you need to enter your car insurance policy number to access the IFFCO Tokio car insurance claim form. You can download the IFFCO Tokio four-wheeler insurance claim form, fill in all the details and submit it to the insurer. Or you can download the IFFCO Tokio car insurance app on your smartphone from Google Playstore or AppStore to file your claim. Policyholders must provide the complete and correct address, phone numbers, email ID, and other accident-related information in the claim form.
IFFCO Tokio offers car insurance holders a premium discount upon policy renewal in the form of a no claim bonus. The policyholder can get this bonus upon policy renewal only when he/she has made no insurance claims in the past year.
The discount percentage that one can get on the premium depends on the number of years for which no claim has been made consecutively. Generally, NCB accumulates cumulatively and is tied to the own damage component of the car insurance policy. The discount is anywhere in the range of 20-50% on premiums for own damage.
No, policyholders cannot claim for third-party IFFCO Tokio car insurance policy. The NCB can be claimed for the own damage premium component of the policy only. Unfortunately, the third-party car insurance policy does not come with own damage cover, so the benefit of NCB does not apply here.
No, IFFCO Tokio doesn’t put a limit to the number of car insurance claims you can make in a year. However, the total coverage is limited to the insured declared value (IDV) of the vehicle. Also, if you feel the damage is not significant and you can pay the same without impacting your finances, do so and accumulate your NCB further.
The claim amount you will receive in case of a car theft will depend on the IDV of the car and also the rate of depreciation that takes effect in the four-wheeler.
IFFCO Tokio comprehensive car insurance covers everything except a collision and your liability for other cars involved in an accident. Theft, fire, vandalism, and specified weather damages are all covered under the comprehensive policy.
If your IFFCO Tokio car insurance policy expires, the no claim bonus will be valid up to 90 days from the expiry date. If you do not renew your policy within the said time, you won’t get any NCB benefits.