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IFFCO Tokio Car Insurance Add on Covers

Car Insurance add-ons refer to the extra coverages which you can buy for an additional premium with your standard car insurance plan and extend its coverage for specific car parts or insure yourself to get emergency services. Iffco Tokio General Insurance offers a host of car insurance add-on covers. These add-on covers can be opted with IFFCO Tokio.

IFFCO Tokio - 11 Important Add-on Covers For Your Car Insurance Policy

Comprehensive Car Insurance Plan as well as with the Standalone Own-Damage Car Insurance Plan. Following are the add-on covers available with IFFCO Tokio car insurance plans:

1. Zero Depreciation Cover

Just like other things, your car and its parts also experience depreciation. Depreciation refers to the loss in value due to wear and tear of time. By default, the liability to bear the depreciation charge of the car is of the car’s owner and the depreciation charge is thus deducted from the claim amount by the insurer at the time of a claim settlement. However, when you opt for this add-on, you can relieve yourself from bearing the depreciation applicable on your car and all its plastic and metal parts at 100% except tyres, tubes and batteries which are covered at 50%.

2. Engine Protection Cover

This add-on, helps you get your engine and the gearbox against damages caused by water ingression and leakage of lubricants. This is a recommended add-on as the engine is an integral part of your car and its repair is often a costly affair.

3. Key Replacement Cover

This add-on insures you against the cost of replacement of the key of your car if it gets damaged, misplaced or stolen.

4. No Claim Bonus Protection

When you do not make any claim during the policy period, you are entitled to a reward known as No Claim Bonus at the time of renewal of your policy. The NCB is available to you as a discount ranging between 20% to 50% on your own-damage premium depending on the number of claim-free years. However, this reward is lost if you make even a single claim. However, if you have a No Claim Bonus Protection Cover, your NCB remains intact even after you make a claim during the policy period.

5. Windshield Glass Cover

When you opt for this add-on, the insurer insures you against the replacement cost of windshield if it gets cracked or broken. Also, this cover ensures that your No Claim Bonus is not affected when you make a claim under this add-on.

6. Consumables Cover

The expense on the replenishment of consumables like nuts, bolts, and engine oil of your car is not covered by default under a standard car insurance plan. The Consumables Cover helps you fill this gap and insures you against the cost of consumables of your car in return for an additional premium.

7. Return to Invoice

In case of total loss or theft of your car, the insurer provides you the Insured Declared Value (IDV) of your car which is lesser than the Invoice Price which you actually paid at the time of purchasing the car. This add-on helps you fill the gap between the invoice price and the IDV of your car by paying you the invoice price in the event of a total loss or theft of your car. The invoice price includes the ex-showroom price of your car, road tax as well as the registration charges of your car.

8. Roadside Assistance

This add-on offers you roadside assistance if your car gets stranded due to an accident, flat tyre, dead battery, mechanical fault, engine issue, fuel shortage, or any other reason in the middle of a road. Roadside Assistance offers you numerous valuable services, like towing, key replacement and refueling if your car experiences a sudden breakdown.

9. Garage Cash Cover

In case your car is at the garage for repairs, this add-on pays for a vehicle which you may hire for your commutation.

10. Personal Belongings Cover

This add-on offers coverage for loss of your personal belongings from the car, as long as you have taken precautions to lock and secure your car.

11. Ambulance and Medical Expense Add-On

This add-on pays for Ambulance and Medical Expenses which you may incur in case your car meets an accident or any other mishap.

Must Read Articles before buying Iffco Tokio Car Insurance

Iffco Tokio Car Insurance User Reviews

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What users are saying
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  • Own Damage
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  • Awesome Team Support

    I recently purchased an Ifco Tokio car insurance policy, the team was very supportive during the whole process. Thankyou Insurancedekho.

    By Nikhil Tiwari
    On: March 2, 2024
  • Usefull insurance

    Better price than others,easy to choose between insurance companys and better choice to choose the best one eland usefull thing

    Maruti Vitara Brezza 2016-2020 Attur
    On: November 7, 2023
  • Quick Resolution of Legal Matt...

    I had a legal issue, and InsuranceDekho's third-party coverage with the Iffco Tokio Car Insurance Policy ensured a quick and efficient resolution for my Toyota car. It saved me time and stress.

    By Ayush Brar
    On: October 30, 2023
  • Efficient Claims Settlement

    Filing a claim for repairs at a cashless garage under the Iffco Tokio Car Insurance Policy through InsuranceDekho is efficient. They streamline the process, ensuring that I get back on the road with my Nissan car without unnecessary delays.

    By Shekhar Dhingra
    On: October 26, 2023
  • Effortless and Secure Payment

    The payment process during renewal of the Iffco Tokio Car Insurance Policy with InsuranceDekho is effortless and secure for my BMW car, providing peace of mind that my transaction is handled with care.

    By Krish Atolia
    On: October 17, 2023
  • No Surprises, Only Protection ...

    There are no surprises with InsuranceDekho's own damage coverage that I got along with the Iffco Tokio Car Insurance Policy. It provides straightforward protection for my Kia car without any unexpected exclusions.

    By Jaimin Mishra
    On: October 11, 2023
  • Empowering Policyholders

    InsuranceDekho's premium calculator empowers policyholders like me. It's a tool that puts the control in your hands, helping you tailor your car insurance to your needs and budget. I could easily make changes in the Iffco Tokio Car Insurance Policy as per my requirements for my Honda car.

    By Aadi Sahney
    On: October 10, 2023
  • Smart Investment for Car Owner...

    Choosing InsuranceDekho's comprehensive policy with the Iffco Tokio Car Insurance Policy is a smart investment for car owners. It safeguards my investment and my peace of mind for my Renault car.

    By Yamini Kaura
    On: September 29, 2023
  • Transparent Policy Terms

    I appreciate the transparency of InsuranceDekho's Iffco Tokio Car Insurance Policy's own damage terms. I always know what's covered for my Hyundai bike, which is reassuring.

    By `Jia Khan
    On: September 20, 2023
  • Invaluable Tool for Cost Compa...

    I consider InsuranceDekho's premium calculator an invaluable tool for comparing insurance costs. It made the process of choosing the right plan a breeze. I was able to secure the Iffco Tokio Car Insurance Policy for my Honda car after comparing costs with the help of this tool.

    By Munish Sharma
    On: September 15, 2023

525 Iffco Tokio Cashless Garages in India

IFFCO Tokio Car Insurance Add-on FAQs

  • Which add-on covers are provided by Iffco Tokio for its car insurance plans?

    Iffco Tokio offers several add-on covers along with their car insurance policy such as zero depreciation cover, return to invoice cover, personal belonging cover, engine protection cover, etc.

  • Is it mandatory to purchase an add-on insurance cover?

    No, purchasing an add-on insurance cover along with your standard car insurance plan is not mandatory. It is your sole decision whether you want to buy an add-on cover or not.

  • When can I purchase the Iffco Tokio car insurance add-on covers?

    You can purchase the Iffco Tokio addon covers either while buying a car insurance plan or at the time of car insurance plan renewal process.

  • How many addon covers can I purchase in one single time?

    You can buy as many add-on covers that you want to include along with your standard car insurance plan depending upon your needs and budget.

  • While buying an add-on cover, am I supposed to pay an additional premium?

    Yes, in order to include an add-on cover with your standard health insurance plan, you are required to pay an additional amount premium apart from the premium paid against base policy cover.

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