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The Toyota Vellfire is a classy-looking luxury Multi-Purpose Vehicle. While such vehicles offer a superior vehicle experience, owning a luxury car can be expensive in the long run. For instance, replacing its parts in the event of an unfortunate collision can be costly. That is why it is wise to get your Vellfire insured proactively. This article highlights why it is important to buy Vellfire car insurance and the benefits of opting for online rather than offline car insurance.
Here are some advantages of buying online car insurance for your Toyota Vellfire.
Buying Toyota Vellfire car insurance and raising claims offline may involve filling out several forms. However, if you opt for online car insurance, you need not fill out any physical forms to buy insurance or raise claims; you just have to enter the required details digitally.
If you purchase car insurance offline, you may likely have to wait for a few weeks to receive the policy document. Conversely, if you buy Toyota Vellfire insurance online, it is likely that you will receive the policy document in your email instantly.
Accidental collisions can happen at any time; that is why you must be able to contact your insurer whenever necessary. To provide this 24x7 connectivity, online insurers typically provide a toll-free number or a detailed troubleshooting guide.
The following are the two general types of insurance policies available for Toyota Vellfire.
According to The Motor Vehicles Act of 1988, Third-party car insurance is the minimum insurance requirement to drive legally in India. It offers coverage against the financial consequences of causing injury, death or property damage to a third party due to an accidental collision. However, kindly note that this policy does not cover damages to your car.
A Comprehensive Car Insurance Policy offers the legally required Third-party Insurance and an additional Own Damage (OD) cover. An OD cover provides coverage against theft, fires and damages to the car caused by man-made or natural occurrences. Another benefit of this policy is having the option of extending its coverage by selecting add-ons.
You can claim against your Toyota Vellfire car insurance (Comprehensive Policy) in the following situations.
If your car endures accident-related damages
Collision caused injury or death to a third party
Collision caused damage to the property of a third party
Damages resulting from natural crises like earthquakes, cyclones, floods, etc.
Damages resulting from man-made crises like explosions, riots, vandalism, etc.
Theft of your Toyota Vellfire
You cannot claim against your Toyota Vellfire car insurance in the following situations.
Driving without an active driving licence
Driving without a hard or soft copy of your policy document
Wear and tear of your car’s parts due to ageing
Damages resulting from mechanical or electrical malfunctions
Driving without adhering to traffic laws
Driving under the influence of consciousness-altering substances
Incurring damages outside the areas covered under the policy
The following are some of the commonly sold add-ons for Toyota Vellfire. However, note that they are subject to availability with your insurer.
Key Replacement Cover
Roadside Assistance Cover
Zero Depreciation Cover
Outstation Emergency Cover
Return to Invoice Cover
Above, we have given you good reasons why online car insurance is better than its offline counterpart. Now, here’s why you should opt for ACKO car insurance.
ACKO is a digital-first car insurer. Hence, we do not incur some of the operational costs that usually come with running an offline insurance company. These saved costs often result in discounts on our car insurance policies leading to low-priced policies.
If you raise a claim for unfortunate accident-related damages, we will try to process your request as soon as possible. In fact, claims raised for minor damages will be processed and settled within just a few hours from when you raise the request.
If your car endures damages, all you need to do is contact us. We will come to the location, transport your vehicle to a nearby network garage and return it back once the repairs are done (this service is as per the applicable terms and conditions).
It only takes three easy steps to raise a claim against your ACKO car insurance.
Step 1: Visit our website or mobile application and log in to your account.
Step 2: Locate your Toyota Vellfire policy card and click on “claim now” next to it.
Step 3: Answer a few questions regarding the accident-caused damages and upload pictures of the same. After that, click “submit”.
Once our claims team receives your claim, it will be settled as soon as possible, per the policy's terms.
The cost of ACKO’s Toyota Vellfire car insurance will depend on multiple factors like your accumulated NCB, the add-ons you select and the No Claim Bonus (NCB) you choose. You can get a free insurance quote for your Vellfire by using our car insurance premium calculator.
The penalty for the first offence of driving without Toyota Vellfire insurance is paying a fine of Rs. 2,000 and/or serving three months in jail.
Yes, your Vellfire car insurance will compensate you with your car's Insured Declared Value (IDV) if it endures damages beyond the scope of repair.
Below are the car insurance plans for Toyota car models.