Toyota Innova Crysta Insurance

About Toyota Innova Crysta

Toyota Innova Crysta is one of the most-loved family cars in India. It is distinguished from its contemporaries in terms of comfort, power and performance. It features an engine capacity of up to 2,694 cc to deliver a mileage of up to 13.68 kmpl. It is available in both fuel types - petrol and diesel and in both transmission modes - manual and automatic. The classic Crysta is available in 19 variants and 8 colours with a spacious cabin and great resale value. When it comes to safety, the car is enabled with several advanced safety features including anti-lock braking system, central locking, child safety locks, 7 airbags, crash sensor, engine check warning, anti-theft device and so on.

Toyota Innova Crysta Car Insurance

You must own at least a third party car insurance policy while driving your car in the country, as per the Indian Motor Tariff. The cover helps you to compensate for the financial liabilities towards a third party due to an accident involving your car. If caught driving without at least a liability only insurance cover, you can be penalised with a fine of Rs. 2,000 and/or imprisonment of up to 3 months.

Types of Insurance Plans Available for Toyota Innova Crysta

1. Third Party Cover

A third party insurance policy or liability only cover is compulsory to own. It protects you against the financial liabilities which may arise towards a third party for bodily injury, death or property damage incurred due to an accident involving your car. The compensation for the property damage is limited to Rs. 7.5 lakh.

2. Standalone Own-Damage Cover

This car insurance policy is meant to protect you against the damage or loss incurred by your car in a mishap.

3. Comprehensive Cover

This insurance cover offers compensation against the expenses incurred towards third party liabilities and for own-damages suffered by your car in an accident or any other unfortunate event.

What is Covered in Toyota Innova Crysta Car Insurance?

Toyota Innova Crysta car insurance typically provides coverage for various aspects.

Third-party liability coverage: This covers any damage or injury caused to a third party, including their vehicle or property. It is mandatory as per the Motor Vehicles Act in India.

Own-damage coverage: This covers any damage to your own vehicle due to accidents, theft, fire, or natural calamities like floods, earthquakes, etc.

Personal accident cover: This provides coverage for any bodily injury or death sustained by the insured person while traveling in the insured vehicle.

Theft coverage: This provides coverage in case your Toyota Innova Crysta is stolen.

Fire and explosion coverage: This provides coverage for damages caused by fire or explosion.

Natural calamities coverage: This provides coverage for damages caused by natural disasters like floods, earthquakes, storms, etc.

Man-made calamities coverage: This provides coverage for damages caused by accidents, riots, strikes, etc.

What is Not Covered in Toyota Innova Car Insurance?

Damages due to direct violation of traffic rules: If the insured vehicle is involved in an accident while the driver is under the influence of alcohol or drugs, driving without a valid license, or violating traffic rules, such damages or losses may not be covered by the insurance policy.

Wear and tear: Regular wear and tear of the vehicle, including mechanical breakdowns, repairs, and maintenance, are typically not covered by car insurance policies. These expenses are considered part of regular vehicle ownership and maintenance.

Depreciation: In case of a claim settlement, the insurance company may take the depreciation of the vehicle and its parts into account. The insurer typically reimburses the claim amount after deducting the depreciation value.

Consequential damages: Car insurance policies may not cover any consequential damages caused by the insured vehicle, such as damage to the engine due to water ingression or other complications resulting from an accident.

Electrical or mechanical breakdowns: If there is an electrical or mechanical breakdown, usually not caused by an accident, it may not be covered by the car insurance policy. These breakdowns are considered as maintenance or warranty-related issues.

How to Buy Insurance for Toyota Innova Crysta from InsuranceDekho

Visit insurancedekho.com to get insurance related solutions for your car insurance policy. Refer to the given steps to buy a car insurance policy for your Toyota Innova Crysta:

Step 1: Visit the official website InsuranceDekho

Step 2: Fill the number of your car in the “get your quote” section. However, you can also enter the details like car brand, car model, fuel type, a variant of the car, registration year, registration place, etc., if you do not know your car number.

Step 3: Enter your name and mobile number to get the car insurance quotes

Step 4: Choose a quote and finalize a policy as per your budget and requirements

Step 5: Pay for the chosen policy and get its policy document through an email.

How to Renew Toyota Innova Crysta Car Insurance?

To renew your Toyota Innova Crysta car insurance, you can follow these general steps:

Research and compare: Start by researching different insurance providers and their policies to find the one that best suits your needs and budget. Compare the coverage, premiums, add-on options, and discounts offered by different insurers.

Contact your current insurer: If you are satisfied with your current insurer, you can contact them directly to initiate the renewal process. They will guide you through the necessary steps and provide you with the renewal quote.

Provide necessary information: You will be required to provide your policy details, vehicle information, and personal details like contact information, address, etc. Make sure to provide accurate and updated information.

Review and customize your coverage: Take the opportunity to review your existing coverage and assess if any changes or additions are required. You can customize your coverage by opting for additional add-ons like zero depreciation cover, roadside assistance, engine protection, etc., based on your needs.

Pay renewal premium: Once you have reviewed and finalized your coverage, you will need to pay the renewal premium. You can pay it online through the insurer's website or mobile app using various payment methods like net banking, credit/debit cards, or digital wallets.

Obtain the policy documents: After completing the payment, you will receive the renewed policy documents. Make sure to carefully review the policy documents to ensure that all the details and coverage are accurate.

It is recommended to start the renewal process a few weeks before your current policy expires to avoid any gaps in insurance coverage.

How to Claim Toyota Innova Crysta Car Insurance?

To claim Toyota Innova Crysta car insurance, you generally need to follow these steps:

Contact your insurance provider: Notify your insurance company about the incident or damage as soon as possible. You can either call their customer helpline or visit their website to initiate the claim process.

Provide necessary information: You will be required to provide details such as your policy number, vehicle information, date and time of the incident, location, description of the damage, and any other relevant information.

Submit documents: Your insurance company will ask you to submit certain documents to support your claim, which may include:

Filled claim form: You may need to fill out a claim form with details of the incident or damage.

Proof of insurance: Provide a copy of your car insurance policy or certificate of insurance.

Police report: In case of accidents or theft, a police report may be required.

Vehicle documents: Keep the vehicle's registration certificate (RC), driving license, and other relevant vehicle documents ready for submission.

Repair estimates: If the vehicle needs repairs, you may need to submit repair cost estimates from authorized service centers or garages.

Coordinate vehicle inspection: The insurance company may arrange for a surveyor or inspector to assess the extent of the damage to your vehicle. They will provide you with guidance on the inspection process and any additional documentation required.

Follow the claim settlement process: Once the inspection is completed, the insurance company will review the claim and the supporting documents. If the claim is approved, the insurer will provide instructions on the next steps, such as arranging repairs at a network garage or providing reimbursement for repairs already done.

Documents Required to Claim Toyota Innova Crysta Car Insurance?

The documentation required to claim Toyota Innova Crysta car insurance may vary slightly based on the type of claim. However, here is a general list of documents that you should keep handy while making a claim:

Claim form: To initiate the claim process, you need to submit a duly filled and signed claim form with details of the incident or damage.

Copy of car insurance policy or certificate: You will need to provide a copy of your car insurance policy or certificate of insurance.

Vehicle documents: Keep the car's registration certificate (RC), driving license, and other relevant vehicle documents ready for submission.

Proof of incident or damage: To prove the incident that led to the damage of the vehicle, you may need to submit any of the following documents:

Police report: In case of an accident or theft, a copy of the FIR or police report may be required.

Photographs or videos: To support your claim, you can provide photographs or videos of the damage or incident scene.

Witness statement: If there were any witnesses present during the incident, their contact details or statements may be needed.

Repair estimates: If there is damage to the vehicle and repairs are required, you may need to provide repair cost estimates from authorized service centers or garages.

Any other documentation required by the insurer: Depending on the type of claim and the insurer's requirements, you may need to submit additional documentation.