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The Toyota Land Cruiser Prado is a premium SUV that combines rugged off-road capability with luxury and comfort. It is known for its powerful engine, spacious interior, and advanced safety features, making it a popular choice for long road trips, challenging terrains, and everyday drives.
However, no matter how reliable or tough your Prado is, it is still at risk of accidents, theft, and natural disasters. By law, you must have at least a basic third-party insurance policy before driving on public roads.
Here are some practical ways insurance actually helps you as a Prado owner:
Big SUVs often require expensive parts and labour when damaged. With a valid policy, most of the repair cost is handled by the insurer instead of coming out of your pocket.
If your Prado gets stolen from a parking area or while travelling, the insurer will pay you the insured value, reducing your financial loss.
If you accidentally hit another vehicle or injure someone, you don’t have to pay compensation yourself, the car insurance covers those legal and financial liabilities.
Heavy rains, landslides, and strong winds can seriously damage your vehicle. A comprehensive policy ensures you’re not stuck paying for such repairs on your own.
You can take long drives or use the car daily with more confidence, knowing that sudden incidents will not cause a heavy financial burden.
You can customise the policy with useful extras such as off-road cover, roadside support, or zero-depreciation so the plan matches the way you use your Prado.
In India, there are two main types of car insurance you can choose from:
This is the minimum cover one should have for the car. It covers damage or injury caused to another person or their property. However, it does not cover damage to your own Prado. It is more affordable but offers only basic protection.
This provides broader protection. It covers third-party liabilities as well as damage to your own Prado due to accidents, theft, fire, natural disasters, and more. You can also add optional covers for extra benefits. Although it costs more than third-party insurance, it gives more protection.
| Feature | Comprehensive Plan | Third-party Plan |
| Covers damage to other people’s property/vehicle | Yes | Yes |
| Covers injury/death of another person | Yes | Yes |
| Covers damage to your own Prado | Yes | No |
| Covers theft of your Prado | Yes | No |
| Covers natural disasters | Yes | No |
| Covers fire damage | Yes | No |
| Option to add extra covers | Yes | No |
| Premium cost | Higher | Lower |
| Best for | Complete protection | Basic legal cover |
These are the situations where your Toyota Land Cruiser Prado insurance will provide cover:
Keep in mind that car insurance does not cover every situation. The policy will not provide any payout in the following scenarios:
Add-ons can improve the scope of the plan. Here are some of the add-ons you can count on:
Get the full claim amount for replaced parts without deductions for depreciation.
Covers small but important repair items like nuts, bolts, screws, and engine oil.
Get 24/7 help in case of breakdowns, including towing, flat tyre repairs, or battery jump-starts.
If your Prado is stolen or declared a total loss, you receive the original invoice value instead of the depreciated amount.
Covers engine damage caused by incidents like water ingress or oil leakage, especially useful in flood-prone areas.
It covers the cost of replacing lost or stolen keys.
Retains your No Claim Bonus even after making a claim, keeping your future premiums lower.
The cost of insuring your Prado depends on several factors:
ACKO provides insurance through an online platform. The process is digital and easy. Here are some of the advantages of buying car insurance from ACKO.
Every step, right from purchase to claim submission, happens online. So there’s no paperwork and you can manage everything through your device.
You get your policy documents within minutes of payment via email.
Many minor claims are settled within 24 hours, getting you back on the road faster.
Buy directly from ACKO to save on agent commissions and enjoy transparent pricing.
In select cities, ACKO offers pick-up, repair, and drop-off services for your Prado.
Includes options for protecting high-value components like the engine, transmission, and off-road equipment.
Here is a step by step guide you can follow:
While ACKO usually offers a paperless process, you may need:
Here are the steps to raise a claim against a car insurance policy.
The Toyota Land Cruiser Prado is a tough yet refined SUV designed for both off-road adventures and comfortable city driving. It offers a powerful diesel engine, smooth automatic transmission, advanced safety technology, and a spacious cabin. Key features:
The Prado competes with other premium SUVs in India, such as:
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Reviewed by Lokesh Shetty 
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
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