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Buying your dream Toyota Rumion is an exciting moment. But the procedures don't end there. An important next step is to buy car insurance for your Rumion. You can legally drive your Rumion on Indian roads only when you have a valid insurance policy.
Let's understand why you need insurance for your Toyota Rumion and what policies are available.
It is mandatory by law to have at least third-party insurance for your Rumion before driving it. Driving without insurance can lead to fines or imprisonment.
Insurance protects you from heavy financial losses in case of accidents, theft or natural disasters. It covers repair costs for your car and liabilities arising from damage to a third party.
With insurance, you can drive your Rumion without worrying about potential financial stress due to unprecedented events.
Car insurance also provides coverage for injuries sustained by you, your passengers or third parties due to an accident involving your car. This takes care of medical expenses. Note that this a mandatory coverage that you need to purchase separately.
This basic insurance covers injury or damage caused by your Rumion to a third party person, property or vehicle. It does not cover your own vehicle damages.
This extensive coverage includes third-party liability along with protection for your own Rumion against damage, theft, etc. It provides wider coverage with add-ons.
This policy only covers damage to your Rumion due to accident, theft, natural calamity, etc. It does not cover third-party liability.
What is Covered
What is not Covered
A comprehensive policy for your Rumion generally includes coverage for:
Third-party liability for bodily injury or property damage
Damage to your Rumion due to natural disasters like flood, earthquake etc.
Damage or loss due to man-made causes like fire, theft, riots, etc.
Damage to your Rumion from accidents
Costs of replacing or repairing broken glass parts like windshield
Loss or damage to accessories installed in the car like music system, seat covers, etc.
Personal accident coverage for you and your passengers
Legal costs arising from legal action against you for third-party damages
Though comprehensive insurance is extensive, some exclusions are:
General wear and tear of Rumion parts over time
Mechanical or electrical failure of parts
Damage caused when driving without a valid driving licence
Losses when Rumion is driven under the influence of alcohol
Damage outside specified geographical limits
Damage caused intentionally by policyholder
Losses that occur when Rumion is used outside personal use, like for commercial purposes
Consumable parts like engine oil, lubricants, etc
Some useful add-ons offered are:
Zero depreciation cover: This add-on waives off the depreciation that is applied to parts when you make a claim. It means you get the full claim amount without any deductions made for depreciation.
NCB protection cover: This add-on protects your No Claim Bonus even if you make a claim during the policy period. Normally, your NCB would get reduced when you make a claim. With this cover, your NCB stays intact.
Engine protection cover: This provides protection against damage to internal parts of the engine, like pistons, connecting rods, crankshaft, etc., due to water ingression or leakage of lubricating oil. Expenses for repairs are covered.
Invoice price cover: In case of total loss or theft of your Toyota Rumion, this cover pays the full ex-showroom invoice price of the car instead of the IDV or Insured Declared Value.
Roadside assistance: Provides services like towing the vehicle to the nearest garage, on-road repairs of minor mechanical or electrical faults, battery jump-start, emergency fuel delivery, etc.
Consumables cover: It covers expenses incurred towards consumables like engine oil, gearbox oil, brake fluid, etc, in case these need to be replaced after an accident.
Accessories cover: Your insured accessories, like the music system, seat covers, alloy wheels, etc, are covered against theft or damage. You get reimbursement for expenses.
Zero paperwork and instant policies
Convenient online purchase and renewal
Quick claim settlement without hassles
Cashless servicing at network garages
Car pickup and drop facility for repairs
Car insurance experts to assist you
No commission or unnecessary charges
Superior technology for easy processes
Coverage across India without geographical restrictions
Regular policy reminders and notifications
Option to modify your policy anytime as per requirement
Follow these steps to buy/renew Rumion insurance:
Step 1: Visit the ACKO website or app and enter your vehicle number
Step 2: Choose a plan and add-ons and complete premium payment online
Step 3: Instantly receive policy copy by email and via the app
Step 1: Log in to the ACKO app/website
Step 2: Tap 'Claim Now' and fill details
Step 3: Upload the required documents
Step 4: For minor damages, receive an instant car insurance claim settlement.
Buying adequate insurance is crucial for complete peace of mind with your Toyota Rumion. Choose ACKO for an easy, convenient and hassle-free insurance experience.
You need not submit any documents while buying Toyota Rumion car insurance from ACKO. All you have to do is share a few basic details of your car.
The Insured Declared Value (IDV) of your Rumion is calculated based on the manufacturer's listed selling price, invoice value, age of the car, depreciation rate, etc. IDV denotes the maximum cover offered for your car.
You can raise a claim on our website and app. Depending on the type of claim, you may get an instant settlement, or our claims team will reach out to you for further assistance.
Yes, with insurers like ACKO, you can buy and manage Rumion insurance completely online without any office visits. Everything is taken care of digitally.
Your Rumion's premium is calculated based on IDV, voluntary deductible, NCB, add-ons opted, city, coverage, etc. Higher IDV and wider coverage mean higher premiums.
Driving without insurance can lead to heavy fines or imprisonment, as per the MV Act. Your licence may also get suspended. Your claim will also get rejected if insurance lapses. So, maintain insurance at all times.