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How to Buy Insurance for Toyota Etios Cross via InsuranceDekho
Toyota Etios Cross Summary
Toyota Etios Cross is a crossover utility vehicle with sturdy looks, spacious cabin and increased ground clearance. It drives the audience crazy with its engine capacity of 1,496 cc and an appreciable mileage of up to 23.59 kmpl. It is available in petrol and diesel variants with manual transmission. It comes in 7 variants and 8 different colours. The Etios Cross is stuffed with various security features such as anti-lock braking system, central locking, anti-theft alarm, door ajar warning, crash sensor, etc.
Toyota Etios Cross Car Insurance
It is compulsory to own at least a third party car insurance policy, as per the Indian Motor Tariff. This cover has the minimum coverage which shields you against the financial liability towards a third party, which may arise due to a mishap involving your car. To drive without a car insurance policy is a punishable offence and can make you pay a fine of Rs. 2,000 and/or attract an imprisonment of up to 3 months.
Types of Insurance Cover
1. Third Party Cover
This is the minimum insurance coverage that you need to own. It safeguards you against the expenses incurred by the third party for bodily injury, death or property damage happened due to an accident involving your car. The policy offers coverage for the expenses of property damage of up to Rs. 7.5 lakh.
2. Standalone Own-Damage Cover
This policy is to cover the expenses which may arise due to damage or any loss incurred by your own car in an accident or a mishap.
3. Comprehensive Cover
This is a coverage meant to protect you against a financial crisis, which may arise due to third party liabilities and own-damages, occurred due to an accident or an unfortunate event involving your car.
You can buy a suitable car insurance policy for your Toyota Etios Cross in just 5 minutes at InsuranceDekho by following these steps:
Step 1: Visit the website of InsuranceDekho,
Step 2: Enter the number of your car in the “get your quote” segment. If you do not have a car number, you can also fill details like car brand, car model, fuel type, variant of the car, registration year, registration location, etc., to get the quotes.
Step 3: Enter your name and mobile number to get the quotes for car insurance policies
Step 4: Choose a car insurance quote as per your budget and requirements
Step 5: Make the payment for the policy and receive its document through email.
Toyota Etios Cross Variants
|Variant Name||Fuel Type||Ex-showroom Price|
|Toyota Etios Cross 1.2 G X Edition||Petrol||₹660,000.00|
|Toyota Etios Cross 1.2L G||Petrol||₹650,000.00|
|Toyota Etios Cross 1.4L GD||Diesel||₹766,000.00|
|Toyota Etios Cross 1.4 VD X Edition||Diesel||₹850,000.00|
|Toyota Etios Cross 1.4L VD||Diesel||₹797,500.00|
|Toyota Etios Cross 1.4 GD||Diesel||₹694,000.00|
|Toyota Etios Cross 1.5L V||Petrol||₹802,000.00|
Add-ons For Your Toyota Etios Cross Car Insurance
A car's value depreciates constantly with time. Thus, at the time of a claim settlement, the depreciated value of a car is deducted from the claim amount. However, by opting for a zero depreciation add-on you can shift the liability of the depreciation cost to the insurer and get the entire claim amount without any deduction of the depreciation sum. This add-on is generally available till the age of 5 years of car, however, the car age limit varies from insurer to insurer.
A No Claim Bonus (NCB) is a discount given by the insurer in the premium amount to a car insurance policy holder for not making a claim in the entire tenure of the motor insurance policy. This discount is not available if the policy holder has made even a single claim. However, with the NCB cover, a policyholder will be entitled to receive an NCB discount despite having made a claim subject terms and conditions of insurance company. The NCB discount keeps on increasing with every claim-free year until it reaches 50%.
A car's engine is by default not covered under either a comprehensive or a standalone own-damage car insurance policy. And therefore, if it gets damaged due water-logging or oil leakage, your insurance company is not liable to pay for its damages. But, if you opt for the add-on known as Engine Cover, you can get your car's engine insured by the insurer for damages incurred due to water ingression as well as leakage of lubricants. Engine Cover is one of the most popular car insurance add-ons and is available against the payment of a nominal premium.
If you have a return to invoice cover added on to your comprehensive car insurance policy, you can claim the total ex-showroom price of your car, taxes and registration charges, in case of total loss. In case of total constructive loss (more than 70% of damage) or theft of your car, an insurance company pays the Insured Declared Value (IDV) of your car as compensation. However, this IDV is lesser than the actual amount paid by you at the time of purchasing your car. When you opt for the add-on called Return To Invoice Cover with your car insurance policy, the insurance company pays the total ex-showroom price of your car plus the taxes and registration charges incurred at the time of purchase, as the claim amount in case of total loss.
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*Standard T&C Apply. All savings/offers are provided by the Insurers which are subject to modification. For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Girnar Insurance Brokers Private Limited, 4th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (General Insurance) valid till 19th March 2023. Email -firstname.lastname@example.org.