IFFCO Tokio Private Car Insurance Policy

• Loss/damage cover for the vehicle insured
• Cover for liability to third party
• Personal Accident Cover for Owner cum Driver
• Additional covers to extend protection
• Digitally signed policy document issued immediately
• Hassle-free cashless claim settlement at over 2,000 network garages
• 24x7 call center service for quicker settlement of claims

Own Damage Cover

Loss or damage to the vehicle insured are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide. This cover is available upon opting ‘Package Policy’.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

Vehicle Towing Cover

Reimbursement of expenses up to Rs.1, 500 following an accident to the insured vehicle, for protection, removal/towing and re-delivery of the car.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• On Road Protector Coverage: With this add-on cover, policyholders can get assistance while on the road. It provides service for emergencies such as towing on breakdown/accident, arrangement/supply of fuel, arrangement of keys, repair of flat tyre, battery jump start, etc. You can make a maximum of four claims for emergency assistance services.
• Value Auto Coverage: In the event of Total loss/ Constructive Total Loss (CTL) or Total Theft of the vehicle, the difference between the amount received and the current replacement value is payable.
• You can also opt for other add-ons such as Loss/damage to electrical/non-electrical accessories, Personal accident cover for unnamed passengers, participation in rallies by the insured vehicle, wider legal liability cover for driver/conductor, CNG/LPG fuel kit.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
• Any claim arising out of contractual liability
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss/damage caused by or arising from nuclear weapons material
• War, invasion, act of foreign enemy, etc.