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Toyota Prius is an elegant sedan that was launched in India in 2017. However, it was discontinued in 2020. If you happen to own this car, this article is for you! Here we have enumerated the Toyota Prius insurance options and the benefits of online car insurance. So, read ahead to learn how to protect yourself from the monetary consequences of accident-related damages to your Prius.
Buying online car insurance for your Toyota Prius offers the following advantages.
The purchase procedure for conventional offline insurance may include filling out numerous forms. In contrast, since online insurance is digital, you just have to type in a few details digitally on the website/mobile application of the insurer while making a policy purchase.
Offline insurance can usually be bought only by visiting the insurance company in person. Also, raising claims for accident-related damages usually requires a physical visitation. On the other hand, online insurance can be bought and claimed from anywhere with an internet-connected device.
You may be new to online insurance, but no problem! Insurers typically provide a detailed help guide for beginners and those needing assistance. If you prefer speaking to an executive instead, there is usually also a toll-free number to call and ask for guidance.
There are broadly two car policies applicable for a Toyota Prius: Third-party Car Insurance and Comprehensive Car Insurance. In this section, we will discuss both.
As per The Motor Vehicles Act of 1988, all car owners must possess active Third-party Insurance to drive in India legally. This type of policy covers the financial repercussions of your car causing injury, death or property damage to a third party. However, if your insured Prius faces accident-related damages, they will not be covered by this policy.
A Comprehensive Car Insurance Policy provides mandatory Third-party Cover and an Own Damage (OD) Cover. An OD cover provides financial protection against damages to your insured vehicle. Some of its inclusions are theft, total damage and damages caused by natural and man-made calamities. A Comprehensive policy also allows you to enhance its coverage by buying add-ons.
You can claim your Toyota Prius car insurance (Comprehensive Policy) in the following scenarios.
If your car gets damaged due to a collision
If your car has accidentally caused third-party injury, death or property damage
If your car is damaged as a result of natural calamities like earthquakes, floods, storms, etc.
If your car is damaged as a result of man-made calamities like strikes, vandalism, riots etc.
If your Prius has endured a fire accident
If someone steals your car
You cannot claim your Toyota Prius car insurance in the following scenarios.
Not having valid car insurance while driving
Driving without a valid insurance policy
Malfunctions in the vehicle as a result of the ageing of parts over time
Electrical and mechanical defects
Driving without observing traffic rules
Driving after the administration of alertness-hindering drugs
Accident-related damages incurred in areas that are not covered by the policy
The following are some of the common add-ons available with Toyota Prius car insurance. However, please check for availability while purchasing.
Zero Depreciation Cover
Outstation Emergency Cover
Roadside Assistance Cover
Key Replacement Cover
Return to Invoice Cover
If you are now wondering which online insurer to pick, look no further! ACKO is a leading online insurer in the country, and one of our primary offerings is motor insurance. This section will list why you should insure your Toyota Prius with ACKO’s Comprehensive Policy.
ACKO’s car insurance products are sold direct-to-customer. Meaning there are no intermediaries involved in the transaction process. This significantly reduces the cost associated with buying car insurance costs.
Claims generally take a while to be credited. However, ACKO’s claim process is lightning-quick. You can expect to receive the claim settlement for minor vehicle damage within just a few hours from when you raise the claim request.
If you contact us after your vehicle endures accident-related damages, we will arrange for its transportation to a nearby network garage for repair work, and deliver the repaired car to you.
Raising accident-related claims against your Prius Insurance only involves three steps.
Step 1: Head to our official website or mobile application and sign in to your account.
Step 2: Scroll to your policy card and click “claim now”.
Step 3: Reply to a few queries regarding the damages and upload images of the same. After that, click on “Submit”.
After your claim request is submitted, our team will process it per your policy's terms.
Yes, you need to insure your Prius irrespective of its age. As per The Motor Vehicles Act of 1988, it is required for all cars to be insured to drive on Indian roads.
Yes, online car insurance is more cost-effective than its offline alternative due to its digital nature.
Yes, the Insured Declared Value (IDV) of your car will be compensated by your car insurer if your Prius endures damages that are beyond repair. IDV is typically the car's current value in the market and is selected when purchasing the policy.
Below are the car insurance plans for Toyota car models.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.