IFFCO Tokio Comprehensive Car Insurance

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IFFCO-Tokio Car Insurance Highlights

IFFCO Tokio (Car Insurance)
IFFCO Tokio General Insurance is one of the largest and most trusted private insurer in India. IFFCO Tokio has earned the trust of over a crore customers in its 20 years of service. IFFCO Tokio has digitalised customer journey for all policy transactions and thus providing a contact-less service. Be it instant policy issuance or quick claims settlement, all can happen with a few clicks or taps on your smartphone.
Claim Settlement Ratio
Video Claim
-Provides zero dep till 7 years of age of car%
close -Provides zero dep till 7 years of age of car%
Spot Claims
Available upto Rs 50,000

Your car is your prized asset, and as an owner, you would like to offer it maximum protection. A car insurance policy makes this possible. While third-party car insurance is mandatory by the Indian Motor Vehicles Act, 1988, comprehensive car insurance is optional but offers considerably better and more extensive protection. 

Unlike third-party insurance, which only provides coverage for the third party in an accident, comprehensive car insurance covers both parties involved. Below we present detailed information about this type of insurance.

IFFCO Tokio Comprehensive Car Insurance Policy

The IFFCO Tokio comprehensive car insurance policy provides complete protection for your vehicle damages due to an accident and against third-party liabilities. A comprehensive car insurance policy ensures the protection of your car against various damages caused due to natural and man-made calamities such as fire, flood, earthquake, burglary, theft, etc.

With a comprehensive car insurance policy, you can opt for the highest form of protection for your car. It is not a mandatory requirement, but you can get complete financial protection against potential accidental damages to your vehicle with this type of insurance policy.

How does IFFCO Tokio Comprehensive Car Insurance Work?

IFFCO Tokio comprehensive four-wheeler insurance policy ensures financial coverage for damage to your car caused by accidents and disasters. You can purchase add-ons to enhance the coverage of your comprehensive car insurance. In case of an accident, inform IFFCO Tokio as soon as possible with all the details of the accident and the damage caused. The insurance company will get your car surveyed to assess the cause and extent of the damage. The standard process of claim processing will start after that.

IFFCO Tokio Comprehensive Car Insurance Policy vs. Third Party Car Insurance Policy     

IFFCO Tokio comprehensive car insurance policy offers complete protection for your car. Here is how it differs from third-party insurance.

FeaturesComprehensive Car Insurance PolicyThird-party Car Insurance Policy
Mandatory to OwnNoYes
CoverageAll-round coverage for both own car damages and third-party liabilities.Limited only to third-party damages or liabilities.
Add-On Cover CustomizationAvailableNo customization with any add-on cover is possible.
PremiumRelatively higherLower than comprehensive insurance
Cost-effectiveHigher due to extensive coverageLower
Protection against natural disasters/ theft/vandalismCoveredNot Covered

How to Buy IFFCO Tokio Comprehensive Car Insurance Policy?

Take a look at the steps below for buying IFFCO Tokio comprehensive four-wheeler insurance online:

  1. Access the relevant portal.
  2. Select your car insurance policy.
  3. Enter your details, such as name, vehicle number, vehicle registration number, and mobile number.
  4. You will be presented with a quote. If you agree to it, you can pay the relevant premium online. You will get your policy document in your email.

To purchase this policy offline:

  1. Visit the nearest IFFCO Tokio insurance office. 
  2. Fill out the comprehensive car insurance application form with all relevant details. 
  3. Pay the premium amount as indicated on the policy document. 

IFFCO Tokio car insurance online is the easier and hassle-free route to insurance purchase than the traditional manual offline purchase method.

What all is Covered Under the IFFCO Tokio Comprehensive Car Insurance Policy?

IFFCO Tokio comprehensive car insurance policy covers the following scenarios typically:

  • Damage caused by natural disasters
  • Damage due to fire
  • Loss due to theft
  • Losses incurred due to vandalism
  • Injuries/Damages suffered by third parties
  • Own damages suffered by policyholder
  • Damage due to falling objects, such as rocks, tree branches, animal attacks, etc.
  • Damage due to civil disturbance, such as riots

What all is not Covered Under IFFCO Tokio Comprehensive Car Insurance?

Comprehensive car insurance coverage does not protect against the following scenarios:

  • Damages occurred outside the geographical location of India
  • Damage to the vehicle due to wars or nuclear disasters
  • Intentional or Consequential damages to the vehicle
  • Damage to the car being used for illegal or unauthorized purposes, such as racing or illegal purposes
  • Damages to the car when a private car is being used for commercial purposes
  • Electrical or mechanical breakdowns of your vehicle
  • ​Damage caused to the car by a person who was driving without a valid licence/policy
  • Damage suffered during driving under the influence of alcohol or drugs
  • Vehicle depreciation, including normal wear and tear 
  • Tyres and tubes damage

Benefits of  Buying IFFCO Tokio Comprehensive Car Insurance Policy

IFFCO Tokio comprehensive car insurance policy ensures the following benefits:

  • Third-party damage coverage in case of an accident by your car.
  • Accidental damages to your vehicle
  • Damage cover due to theft, vandalism, fire, riots, etc.
  • Cashless payment system if you repair your vehicle from IFFCO Tokio network garages 
  • NCB or No claim bonus upon renewal if no claim is made during a policy year. 
  • Various add-on covers such as, zero depreciation cover,, engine & gearbox protection, return-to invoice cover and roadside assistance

IFFCO Tokio Comprehensive Car Insurance Review

A comprehensive car insurance policy offers complete protection against accidents and third-party liabilities. Therefore, if your vehicle meets with an accident, you can get the maximum possible coverage compared to other vehicle insurance policies. Moreover, it is very simple and convenient to purchase and renew IFFCO Tokio comprehensive car insurance policy.

IFFCO Tokio Comprehensive Car Insurance FAQs

  • 1. What benefits does a comprehensive car insurance policy offer to the third party in case of an accident?

    In such cases, a comprehensive car insurance policy offers coverage for any injuries, disability (whether partial or permanent), property damage, and/or accidental death of the third party in the accident caused by the vehicle.

  • 2. How can I increase the coverage of my IFFCO Tokio comprehensive car insurance policy?

    You can purchase various add-on covers, such as engine protection, NCB protection, return to invoice, roadside assistance or key protection cover to enhance your policy coverage further.

  • 3. Is it mandatory to purchase IFFCO Tokio comprehensive car insurance cover?

    No, it is not mandatory by law to purchase a comprehensive car insurance cover, but it can provide you extensive coverage in case of accidents.

  • 4. Does the IFFCO Tokio comprehensive car insurance policy cover animal attack?

    Yes, IFFCO Tokio comprehensive car insurance policy offers protection against animal attack.

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