Value Added Plans By Iffco Tokio Car Insurance
The story of IFFCO Tokio General Insurance started in 2000. It’s a joint venture between Tokio Marine, Indian Farmers Fertilizers Co-operative and Nichido Fire Group. The company offers a range of products like Health Insurance, Motor Insurance, Home Insurance and Travel Insurance.
Before getting into the details of IFFCO Tokio car insurance value added plans, lets understand the benefits offered by the company. The benefits offered:
The Pros
- You may avail cashless claim in over 2000 authorized workshops in the country.
- You can savor discounts if you select a higher sum as part of voluntary excess
- You can fix an ARAI-approved anti-theft claim and device 2.5 percent discount.
- Also, remember anti-theft device installation will give you discount on Own Damage Premium for up to INR 500.
- As per the plan, you are entitled to receive minor repairs for your vehicle
- Critical facilities include emptying of fuel tank, fuel delivery and also starting the battery
- Support for flat tire and assistance if the car key is lost or jammed
- The plans are digitally signed for your convenience and comfort
- IFFCO Tokio offers doorstep services in case of renewal of policy, free inspection
- Cashless settlement offered in over 2000 network workshops. Also immediate attention is given for your claims by in-house surveyors
- If you pay higher premium, then you will get ‘Tokio’ value auto coverage and ‘On road protection coverage’
- You may reports any issues, mishap, claim query at the call centre open 24x7
- The sum insured is determined equal to the vehicle’s Insured declared value, which is the value derived after subtracting depreciation from the market price.
Thus, avail the maximum value-added services on car insurance plans provided by IFFCO Tokio.
What are the IFFCO Tokio car insurance value added plans?
- Depreciation cover- In this case depreciation is cancelled on metal or plastic parts in case of partial claim or loss.
- Third party cover- This includes protection against any third party liability in case of demise or injury of a third party. Also, IFFCO car insurance plans cover those expenses incurred for legal and medical accountability. With the car insurance plans, you can get coverage for cost of damage against any third party property. These plans cover up to INR 7.5 lacs. Third party coverage are applicable for mounting and dismounting the car.
- Personal accident cover- IFFCO Tokio car insurance plans offer personal accident coverage for up to INR 2 lacs for owner-cum driver and for individuals riding the car. The coverage is applicable while mounting and dismounting the vehicle.
What are the inclusions and exclusions in IFFCO Tokio car insurance plans?
The Inclusions:
- This includes loss of belongings in theft, provided the car is stolen during the same time.
- Damages caused because of self-ignition, fire, explosions, lightning
- Damage caused because of natural calamities like storms, earthquake, floods, landslide, etc.
- Damage caused during transit via rail, road, air, etc
- Coverage against comprehensive legal liabilities concerning death or injury of property damage
The Exclusions:
- Any types of incident happening beyond the stated geographical area
- Any kind of loss caused due to wear and tear or any types of consequential loss caused to the car
- Just because the driver did not have a valid license, then any damage or loss caused
- If any damage is caused under the influence of drugs and alcohol
- Any damage or loss occurred if the car was used for other reasons than as specified in the car insurance plans
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