- Save upto 75%*Lowest Car Premiums
- 11.5 Lakh+Happy Customers
- Claim Support7 days a week
*TP price for less than 1000cc four wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply
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.
Calculate Your Car Insurance
Explore Iffco Tokio Car Insurance
Must Read Articles before buying Iffco Tokio Car Insurance
- Read this article to know how to prevent rejection of IFFCO Tokio car insurance.
- Wondering what to do before heading out on the road with your buddies? We have put together the perfect road trip checklist to make your life easier.
- What is ‘endorsement’ in car insurance? Read this article to find out.
- How to choose the right car insurance policy in India? You must compare car insurance online and check out the best car insurance companies.
- Acko General Insurance Company offers three types of a car insurance policy and they are Third Party Policy, Comprehensive Policy and Comprehensive +
IFFCO Tokio Car Insurance User Reviews
- Most Helpful
- Cashless Garages
- Add On
540 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.
Why to buy from InsuranceDekho?
- Instant policy # within 5 mins
- More than 45 Lac happy customers
- Claim Support available all 7 days of the week
Car Insurance News
- IRDAI Fixes Latest Premiums For Third-party Bike A...
IRDAI has fixed latest premium for both car and bike insuran...21 November 2022
- Is Tree Falling On Car Covered By Insurance?
Will you be compensated by your car insurance provider if a ...21 November 2022
- Do Sports Cars Cost Higher Insurance Premium?
Know more about sports car insurance having high premiums.18 November 2022
- Key Car Insurance Terms You Should Know About
According to the Motor Vehicles Act of 1988, it is mandatory...15 November 2022
- Is animal attack covered under car insurance?
Animals might be difficult to avoid since they can suddenly ...10 November 2022
- Is Third Party Insurance Enough For Car?
There is a lot of confusion about whether the third party in...03 October 2022
- How To Check Car Insurance Validity Online?
You can find information such as the accident vehicle's hist...17 October 2022
- Does The Colour Of Your Car Affect Your Insurance ...
Interestingly, the colour of your car will affect your insur...07 October 2022
- Is It Compulsory To Buy Insurance From Car Dealer...
When purchasing an insurance coverage, it's common to have s...18 October 2022
- How Much Does A Claim Affect Car Insurance?
How does making a car insurance claim affects the premium fo...03 November 2022