Toyota Hilux Car Insurance
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Purchasing your dream Toyota Hilux is truly an exhilarating experience. However, owning a vehicle comes with major responsibilities, including buying comprehensive car insurance for adequate protection. Having valid insurance for Toyota Hilux ensures you and your prized possessions are safeguarded in case of unforeseen incidents on the road.
Let's understand in detail why buying insurance is crucial for your Toyota Hilux and how you can seamlessly buy or renew a policy.
Why should you buy car insurance for Toyota Hilux?
Legal Requirement
As per the Indian Motor Vehicles Act, it is mandatory for all vehicle owners to have a valid car insurance policy before driving on public roads. Driving without insurance can attract heavy penalties and even lead to imprisonment. Therefore, to legally drive your Toyota Hilux on Indian roads without hassle, you must purchase insurance.
Financial Security
Car insurance safeguards you from major financial losses in case your Toyota Hilux gets damaged due to road accidents, floods, earthquakes, or other incidents. It covers repair and replacement costs, so you don't have to bear expenses running into lakhs from your pocket. Insurance ensures your hard-earned money stays protected.
Third-Party Liability
The Motor Vehicles Act makes it compulsory to have third-party liability insurance. This covers bodily injury or property damage caused to a third party due to an accident involving your Toyota Hilux. It provides compensation if a third party files a claim against you.
Theft Protection
Car insurance also protects you financially if your Toyota Hilux gets stolen. It will pay the insured declared value amount, covering a major chunk of the car's cost, so you are not left bearing the entire loss.
The most common types of car insurance for Toyota Hilux
Third-Party Liability Insurance
Third-Party car insurance is the basic mandatory car insurance plan that covers liabilities arising out of damage or bodily injury caused by your Toyota Hilux to a third party, like people or property. However, it does not cover any loss or damage caused to your own Toyota Hilux vehicle.
Comprehensive Insurance
This is the most popular and advisable car insurance choice. Along with providing third-party liability coverage, it also covers your own damage to your Toyota Hilux arising out of accidents, theft, vandalism, and natural disasters like floods, storms, earthquakes, etc. It provides end-to-end protection.
What is Covered
What is not covered
What is covered in Toyota Hilux car insurance?
A comprehensive car insurance policy for Toyota Hilux commonly covers the following:
Legal liabilities arising out of third-party death, bodily injury or property damage
Financial protection against total loss or damage to your Toyota Hilux due to natural calamities like storms, floods, earthquakes, etc.
Financial protection against total loss or damage to your Toyota Hilux caused by man-made incidents like riots, strikes, arson, theft, terrorist activities, etc.
Loss or damage to your Toyota Hilux caused by fire or explosion with own vehicle getting charred or blown up
Cost of repairs, replacement of damaged parts, consumables, etc., if Toyota Hilux is partially damaged due to accidents
Charges incurred for towing your Toyota Hilux to the nearest garage in case of a breakdown or accident
What is not covered by Toyota Hilux car insurance?
While the coverage is extensive, there are certain exclusions, such as:
Wear and tear of parts due to normal ageing of the Toyota Hilux
Any mechanical or electrical breakdown not related to an accident
Any loss or damage incurred when Toyota Hilux is being driven without a valid license
Any loss or damage caused when driving under the influence of alcohol or drugs
Any loss when the vehicle is being used outside the geographical limits of India
Add-ons for Toyota Hilux car insurance
Add-ons can enhance your Toyota Hilux insurance coverage. Here are some of them:
Zero Depreciation Cover - Waives off depreciation on parts in claims, thus paying the full cost of replaced parts
Engine Protection Cover - Provides coverage against damage to internal engine parts
NCB Protection Cover - Ensures your No Claim Bonus does not get impacted even if you make a claim
Roadside Assistance Cover - Provides support like fuel delivery, battery jump-start, towing, etc., in case of breakdown or flat tyre
Consumables Cover - Pays for the cost of consumables like engine oil, nuts/bolts, etc., needed during repairs
Accessories Cover - Covers costs of replacing stolen accessories like music system, GPS device, seat covers etc.
Benefits of buying ACKO car insurance for your Toyota Hilux
No Paperwork: Get Toyota Hilux insurance instantly in a paperless manner by completing the process online
No Middlemen: You can directly purchase from ACKO and avoid paying any commission to agents
24x7 Support: Highly trained experts are available round the clock to guide you and answer queries whenever required
Fast Claim Settlement: Digital procedures and minimal documentation enable faster claim processing and settlement
Cashless Garages: With a wide range of cashless garages available, you can choose a nearby garage of your choice and get the car repaired conveniently.
Free Pickup & Drop: Get free doorstep pickup and drop facility for your Toyota Hilux whenever it needs repairs or servicing
How to Buy/Renew Toyota Hilux Insurance from ACKO
Follow these quick and easy steps to buy or renew Toyota Hilux insurance from ACKO:
Step 1: Visit the ACKO website or download the app on your phone
Step 2: Enter your Toyota Hilux number and click on "Check Prices" to check plans
Step 3: Choose your preferred plan and add-ons, fill details and make the premium payment to instantly purchase the policy online
Step 4: For renewal, fill in previous policy details and proceed to payment to renew seamlessly
4 easy steps to raise a claim
Step 1: Log in to your ACKO account on the website or mobile app and tap on 'Claim Now'
Step 2: Answer a few questions giving basic details regarding the claim and the cause of loss/damage
Step 3: Upload clear photographs and copies of necessary claim-related documents
Step 4: For minor damage claims, instant in-principle approval is given after verification. For any major damages, an ACKO representative will inspect and assess the extent of damage to help you with your claim.
Conclusion
Buying a comprehensive Toyota Hilux insurance is key to enjoying complete financial protection for your prized possession. Choose ACKO for the most seamless, digital car insurance experience - from purchase to claims. Get Toyota Hilux insurance in just minutes and enjoy transparency plus super quick claim resolution!
Frequently Asked Questions on Toyota Hilux Car Insurance
FAQs
How is the insurance premium calculated for the Toyota Hilux?
The Toyota Hilux insurance premium is calculated based on factors like the insured's declared value (IDV), cubic capacity, age of the vehicle, no claim bonus, location; add-ons opted and more. Higher IDV, engine capacity, young age of car and location in metro city lead to higher premiums.
Does Toyota Hilux insurance cover theft of accessories?
The theft of accessories like a music system, GPS navigation device, fancy seat covers, etc., is not covered in the standard own damage policy. You need to opt for the Accessories Cover add-on to get protection against the theft of accessories.
What documents are required to buy Toyota Hilux insurance?
You need to provide your car's RC book, invoice copy as proof of value, KYC documents like photo ID and address proof and your digital photograph to buy Toyota Hilux insurance.
Can I transfer my Toyota Hilux insurance when selling the car?
Yes, you have to inform the insurance provider about transferring the policy to the new Toyota Hilux owner by filling out a form. The new owner's details will be updated, and he/she can then continue the existing insurance.
Will there be any impact on NCB while renewing Toyota Hilux Insurance?
As long as you have had a claim-free preceding year in your current policy tenure, your NCB will remain intact while you renew your Toyota Hilux insurance. It will only be impacted if a claim is made in the expiring policy duration.
How can I pay the Toyota Hilux insurance premium?
You can pay the premium via net banking, debit/credit card, mobile wallet or UPI.
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