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Toyota Innova Car Insurance

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Car Insurance for Toyota Innova

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The Toyota Innova changed the Multi-purpose Vehicle (MPV) segment in India with class-leading features, comfort, and powerful engines. The Innova is an excellent MPV for long journeys since it offers a plush and comfortable ride. Insuring the Toyota Innova is not just mandatory but also provides coverage against damages to the vehicle. Read ahead to learn about Toyota Innova car insurance and the benefits of online insurance.

Benefits of buying online car insurance for Toyota Innova

Here is why online car insurance is beneficial for Toyota Innova over offline insurance.

No paperwork

There is no paperwork or documentation when it comes to purchasing the Innova Crysta insurance through the online platform. Simply share the details of the vehicle and previous policy (if available) to insure the Innova instantly.

Compare plans

To better understand the features, services, and prices, it is essential to compare different Innova insurance prices available in the market. The online system lets you compare car insurance plans instantly and understand the benefits of each plan before you can decide on the right plan.

Faster procedures

Whether you want to purchase or renew car insurance online, the process is super-fast and hassle-free. To insure or renew the Innova Crysta insurance plan, share a few details of the vehicle on the portal or mobile app, and you can insure the MPV almost immediately.

Types of car insurance plans for Toyota Innova

Here are the two primary car insurance policies for the Toyota Innova.

Third-party Car Insurance Policy

For financial protection against third-party liabilities and to comply with the law, you must insure the Toyota Innova with this plan. It covers third-party injury and death or damages to their property. Driving the Innova without this plan leads to penalties, as stated in The Motor Vehicles Act, 1988. Note that this third party car insurance plan does not provide coverage for the insured vehicle.

Comprehensive Car Insurance Policy

For broader insurance coverage for the Toyota Innova, this type of plan is ideal since it comes bundled with the Third-party Insurance Plan and Own Damage (OD) cover. It covers damages to the insured vehicle arising due to an accident, natural or man-made calamities, fire/explosion, or in case of losses arising from theft or total loss (damages that are beyond repair) along with coverage against third-party liabilities. Additionally, you can purchase add-ons that extend the coverage of the basic plan.

Inclusions: What’s covered in Toyota Innova car insurance?

Following are the coverage details of the Comprehensive Car Insurance Plan in case of damages/losses to your Toyota Innova.

  • An accident

  • Riots, strikes, etc. (man-made calamities)

  • Floods, cyclones, etc. (natural calamities)

  • Theft of the insured vehicle

  • Third-party injury

  • Third-party death

  • Damages to third party property

Note: While purchasing or renewing the Comprehensive or the Third-party Insurance Plan, you must buy the mandatory Personal Accident (PA) cover. It covers the policyholder against temporary or permanent disabilities or demise caused by accident.

Exclusions: What’s not covered in Toyota Innova car insurance?

Following are the reasons when the Comprehensive Car Insurance Policy will not provide financial protection to the policyholder.

  • Driving the Innova in an inebriated state

  • Driving the Innova in a negligent manner or for illegal racing

  • Driving the Innova without a valid Driving Licence, Insurance Certificate, or other such vehicle and driving-related documents

  • Damages to the insured vehicle due to mechanical failure or electric failure

  • Damages to the Innova due to usual wear and tear of parts

  • Damages incurred outside the geographical limits specified in the policy

Add-ons for Toyota Innova car insurance

Car Insurance Add-ons provide specific coverage for different needs and extend the insurance coverage of the Comprehensive Insurance Plan. Here are the add-ons that you can purchase with the insurance plan.


Here is why ACKO car insurance is beneficial for Toyota Innova.

Affordable insurance plans

With a digital infrastructure and direct-to-customer model, the operating costs are lower, helping ACKO to provide low-cost Innova insurance prices without compromising on the services.

Faster claim process

To raise a claim against your policy, visit your account online or through the app, and submit a claim against the policy card of the vehicle. Our support team will guide you through the process.

Pickup and drop services

ACKO will pick your vehicle from your location, repair the vehicle at the garage, and drop it back to you in 3 working days. Note that this service is available in select cities.

ACKO’s claim process

Follow the steps below to submit your claim at ACKO.

  • Step 1: Visit your account on the portal or through the mobile app.

  • Step 2: Choose ‘Claim Now’ against the Toyota Innova policy card.

  • Step 3: Provide the details of the damages and upload the pictures of the damaged vehicle to submit your claim.

ACKO may settle your car insurance claim within a few hours if the damages to the insured vehicle are minimal. If the damages are severe, ACKO will pick up the damaged vehicle, get it repaired and deliver the vehicle in 3 working days (select cities).

Frequently asked questions

Following are the common questions about ACKO online car insurance.


Which car insurance policy is ideal for Toyota Innova?

For broader coverage and access to add-ons, you should purchase the Comprehensive Insurance Plan as it provides coverage against third-party liabilities and damages to the insured vehicle.

How to buy ACKO car insurance for Toyota Innova?

ACKO embraces a paperless approach while purchasing car insurance. With no agents and an online platform, buy car insurance directly with us. Visit our portal or mobile app, provide details of the vehicle and previous policy (if available) to buy ACKO car insurance for Innova. 

What types of documents are required to insure Toyota Innova?

You don’t have to submit any documents to insure the Innova. ACKO strives to provide services without much paperwork. The procedure to buy insurance at ACKO is entirely paperless.

Car Insurance for Other Toyota Car Models/Variants

Below are the car insurance plans for Toyota car models.

About car insurance for Toyota Innova

Motor insurance for Toyota Innova should provide financial coverage against third-party liabilities and damages/losses incurred by the insured vehicle. To drive the vehicle on Indian roads, you must insure the car at least with the Third-party Liability Plan since it is mandated by The Motor Vehicles Act, 1988. 

However, for a Toyota insurance plan that can provide coverage for third-party liabilities and damages to your Toyota Innova Crysta, you should consider buying the Comprehensive Insurance Policy since it provides coverage for both third-party liabilities and damages to your vehicle. You also have the option to include add-ons to increase the scope of the primary plan.

Why should you buy the Toyota Innova?

The Toyota Innova was introduced in India to provide a comfortable ride for more than 7 to 8 passengers. It can comfortably seat 7 to 8 persons and offers a premium ride, especially during long journeys. The MPV changed the segment with its premium features, excellent ride and handling, comfortable seats, and a robust after-sales service by Toyota. 

Currently, the vehicle is rechristened as Toyota Innova Crysta, comes with a host of class-leading features, and provides a great driving experience. If you are looking for a car that can seat 7 to 8 persons without compromising the comfort and features, you should consider purchasing the Toyota Innova.

Specifications of Toyota Innova Crysta

Following are the specifications of the Toyota Innova Crysta.

Details Specifications
Engine (cc) 2.7-litre petrol/2.4-litre diesel
Power (PS) 166 @ 5200 rpm/150 @ 3400 rpm
Torque (Nm) Petrol: 245 ; Diesel: 343 - manual/360 - automatic
Gearbox Manual/automatic
Fuel type Petrol/diesel
Seating capacity 7 to 8
Fuel tank capacity (litres) 55

Variants and ex-showroom price of Toyota Innova Crysta

Here is the Toyota Innova price for different variants.

Variants of Toyota Innova (Crysta) Gearbox Seating Capacity Ex-Showroom Price*
GX Manual 7 Rs. 16.52 lakhs
GX Manual 8 Rs. 16.57 lakhs
GX Automatic 7 Rs. 17.88 lakhs
GX Automatic 8 Rs. 17.93 lakhs
VX Manual 7 Rs. 19.96 lakhs
ZX Automatic 8 Rs. 22.74 lakhs
G Manual 7 Rs. 16.90 lakhs
G Manual 8 Rs. 16.95 lakhs
G+ Manual 7 Rs. 18.21 lakhs
G+ Manual 8 Rs. 18.26 lakhs
GX Manual 7 Rs. 18.33 lakhs
GX Manual 8 Rs. 18.38 lakhs
GX Automatic 7 Rs. 19.64 lakhs
GX Automatic 8 Rs. 19.69 lakhs
VX Manual 7 Rs. 21.85 lakhs
VX Manual 8 Rs. 21.90 lakhs
ZX Manual 7 Rs. 23.30 lakhs
ZX Automatic 7 Rs. 24.59 lakhs
*Ex-showroom prices are as of July 13, 2021 (Karnataka).

CIN: U66000KA2016PLC138288

IRDAI Registration No: 157

Category: Non-Life Insurance

The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |

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