Toyota Hilux Insurance

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Toyota Hilux Insurance

While pick-up trucks have been prevalent across the world, the concept is relatively new to India. A pick-up truck is a vehicle that has a flatbed at the rear which can be used to carry cargo, tools, people, or anything you want. Many renowned auto manufacturers have started offering pick-up trucks in India, expecting the demand to increase. Toyota Hilux is a pickup truck by Toyota, the Japanese car manufacturing giant. While India had a relative presence of pick-up trucks in the commercial sector, car manufacturers have been trying to highlight the multi-utility aspect of these vehicles for personal use too.

The Hilux offers powerful performance and control and is considered to be ideal for Indian roads. However, when driving in India, it is important to understand the traffic and road conditions and the risks of accidents or collisions. To protect yourself financially from such incidents, it is important to buy a car insurance policy. While a third-party four wheeler insurance policy is mandatory in India, it does not cover damages to your insured car. Hence, it is prudent to opt for a comprehensive Toyota Hilux car insurance policy that offers third-party liability protection and coverage for damages to your car due to accidents, collisions, fires, theft, natural calamities, and man-made disasters.

When you start looking for vehicle insurance for your Hilux, you will have many options to choose from. To find the best coverage for your car, it is important to compare insurance providers by looking at their customer-centricity, features offered, and car insurance claim settlement ratio and processes. Many insurers offer Toyota car insurance in India. Make sure that you research your options and compare plans carefully before buying. With TATA AIG’s Toyota Hilux insurance, you can be assured of the best protection for your car at an affordable rate.

Toyota Hilux Car Insurance Renewal/Purchase via Tata AIG

If your car causes an accident and results in damage to a third-party property and/or person and also damages your car, then you are liable to pay for the costs of repair and medical treatment. Depending on the damages caused, these costs can cause undue financial stress. With a comprehensive Toyota car insurance plan, the insurer manages these costs on your behalf.

TATA AIG offers a simple process to buy Toyota Hilux insurance online in no time. You can also opt for a Toyota car insurance renewal in a hassle-free manner. Here is a quick look at the process to buy/renew a Toyota Hilux car insurance plan from TATA AIG:**

  • Click on to visit TATA AIG’s official website

  • Scroll to the top of the page and click on All Products. In the dropdown list, click on “Car Insurance”

  • On the Car Insurance Page, enter the registration number of your Toyota Hilux and select one of these options:

Get Price: If you are looking to buy a new Toyota Hilux car insurance policy, then click on Get Price

Renew: If you are looking to renew your existing TATA AIG Hilux insurance policy, then click on “Renew”

  • We will display a list of IDVs for your Hilux. The Insured Declared Value (IDV) is the current market price of the car and is used by insurers to determine the sum insured and the premium of the policy. Make sure that you choose the right IDV for your car.

  • You will be able to customize the policy based on your needs by selecting add-on covers and the voluntary deductible. Ensure that you choose them carefully as they will directly impact the premium of the policy.

  • If you have opted for policy renewal, then provide details of any claim filed during the previous policy term. Policyholders who have not filed a single claim can opt for a No Claim Bonus discount on the premium.

  • We will display the final premium of the policy based on your selections.

  • Pay the premium online.

  • Receive a soft copy of the policy documents via email.

Toyota Hilux Insurance Price – Your Premium Amount

For most car owners, the premium of the policy is usually a deciding factor when buying car insurance. Since they have to pay the premium for as long as they want the policy to be active, the focus is on buying an affordable policy. However, by focusing on the costs and not the cost-efficiency, they stand the risk of missing out on some essential aspects of the coverage.

TATA AIG understands the price sensitivity of Indian car owners and offers cost-efficient car insurance plans with customization options to help them get the coverage they need without stretching their budget. Here are the factors we consider while calculating the premium of a car insurance policy,

The vehicle: When you buy a car insurance policy, you get financial coverage for damages to your vehicle due to various covered reasons and third-party liabilities. The insurer pays for the costs of repair for such damages. Hence, if you own a vehicle that is expensive to repair or has costly spare parts, then the premium is adjusted accordingly. Also, older cars have lower repair costs than their newer counterparts, and premiums are adjusted accordingly.

Driver details: The driver plays a crucial role in ensuring the safety of the vehicle on the roads. Hence, we look at the age, gender, and driving history of the owner-driver to see if there are any traces of rash or irresponsible driving that can increase the chances of accidents or collisions.

Coverage: The sum insured, add-on covers selected, and deductibles contribute to the coverage amount. This is the financial liability that we accept in exchange for the premium. Hence, we ensure that the premium is calculated based on the coverage amount.

Location: The premium is higher if you park your vehicle in an area that has high crime rates or drive regularly through accident-prone areas.

Safety features: If your car has safety features like airbags, anti-theft systems, an anti-collision alert, a lane departure alert, etc., then you can expect a discount on the premium rates.

Add-Ons for Toyota Hilux Insurance by Tata AIG

These are the 12 add-ons that you add to your Tata AIG comprehensive car insurance plan to expand the scope of coverage:

  • NCB Protection

  • Roadside Assistance

  • Consumables Expenses

  • Loss of Personal Belongings

  • Key Replacement

  • Tyre Secure

  • Zero Depreciation

  • Engine Secure

  • Daily Allowance

  • Return to InvoiceRepair of Glass, Fibre, Plastic and Rubber Parts

  • Emergency Transport and Hotel Expenses

Things Covered and Not Covered under Tata AIG’s Toyota Hilux Car Insurance

Things Covered Under Tata AIG’s Toyota Hilux Car Insurance Things Not Covered Under Tata AIG’s Toyota Hilux Car Insurance
Third-party liability: This covers damages or injuries caused to a third party by your car. Normal wear and tear of the vehicle: This refers to the gradual deterioration of a vehicle due to its age, usage, and exposure to the elements. Normal wear and tear is not covered under Tata AIG comprehensive car insurance.
Own damage (OD): This covers damages to your car due to an accident, theft, fire, natural calamities, etc. Mechanical or electrical breakdown: This refers to any failure of the vehicle's mechanical or electrical components due to normal usage or wear and tear. Tata AIG comprehensive car insurance does not cover the cost of repairing or replacing these components.
Personal accident cover: This covers accidental death or disability of the policyholder while driving the insured vehicle. Driving under the influence of drugs or alcohol: If an accident occurs while the driver is under the influence of drugs or alcohol, the insurance policy will not provide coverage.
Hospital cash cover: This provides a daily cash allowance to the policyholder in case of hospitalization due to an accident. Driving without a valid driving license: If the driver of the insured vehicle does not possess a valid driving license, the policy will not provide coverage in the event of an accident.
Add-on covers: These include a range of covers like:

  • NCB Protection

  • Roadside Assistance

  • Consumables Expenses

  • Loss of Personal Belongings

  • Key Replacement

  • Tyre Secure

  • Zero Depreciation

  • Engine Secure

  • Daily Allowance

  • Return to InvoiceRepair of Glass, Fibre, Plastic, and Rubber Parts

  • Emergency Transport and Hotel Expenses
  • Intentional damage or self-inflicted injury: If the policyholder intentionally damages the vehicle or causes injury to themselves, the insurance policy will not provide coverage.

    Why is it Important to Have Tata AIG for Your Toyota Hilux Car Insurance?

    To get the best protection for your Toyota Hilux, it is important to choose a reliable insurance partner. The insurer should offer feature-rich policies, have easy processes for buying, renewing, and filing claims, and focus on customer support. Over two decades, TATA AIG has grown in popularity as a trusted name in car insurance for the following reasons:**

    Reputation: TATA AIG has a strong reputation and brand image in the insurance industry.

    Experience: With over two decades of experience, TATA AIG has established itself as a reliable and trustworthy provider of car insurance.

    Comprehensive Coverage: The company offers a range of comprehensive insurance coverage options for cars, providing customers with peace of mind.

    Strong Claim Settlement Record: TATA AIG has a strong track record for settling insurance claims efficiently and fairly.

    Wide Network of Garages: The company has a wide network of garages, making it easy for customers to get their cars repaired in case of an accident.

    Customer-Oriented Approach: TATA AIG has a customer-centric approach and provides excellent customer service, ensuring customer satisfaction.

    Affordable Premiums: The company offers competitive premium rates, making it an affordable option for customers.

    Overview – Toyota Hilux Car Model

    While the Toyota Hilix was introduced in India in 2022, it has been in production since 1968. Over the years, it has gained popularity among pick-up truck owners since it is reliable and versatile. Here are some key features and specifications of the Toyota Hilux:

    Specification Details Benefits
    Engine 2.4L diesel engine with turbocharger Offers strong acceleration
    Transmission 6-speed manual or automatic transmission Offers two variants – manual and automatic ensuring efficient shifting of gears
    Power 148 hp Handles tough terrains and loads with ease
    Torque 343 Nm Ensures amazing pulling power – necessary for a pick-up truck that carries a load
    Fuel Efficiency 13.25 km per liter Helps keep the running costs in control
    Ground Clearance 286 mm Offers adequate ground clearance making it ideal for different terrains
    Suspension Front: Double wishbone with coil spring and stabilizer Coupled with high ground clearance, this ensures a smooth ride regardless of the road conditions
    Rear: Leaf spring
    Brakes Front: Ventilated Disc Rear: Drum Allows you to bring the vehicle to a halt effectively
    Cargo Capacity 925 kg Allows you to carry very heavy loads
    Towing Capacity 3.5 tonnes Depending on your use, you can use the Toyota Hilux to tow boats, trailers, or any other vehicle

    Toyota Hilux Variants and Prices

    Toyota Hilux Variants Price of Variants (Ex-Showroom Delhi)
    Hilux STD ₹33.99 Lakhs
    Hilux High ₹35.80 Lakhs
    Hilux High AT ₹36.80 Lakhs

    Unique Selling Points: Toyota Hilux Car Feature

    The following are the key unique selling points of the Toyota Hilux:**

    Rugged vehicle: If you need a vehicle to do some heavy work, carry loads, and work in rugged terrains, then Toyota Hilux should be your vehicle of choice.

    Low maintenance: The Toyota Hilux is easy to maintain due to its straightforward engine layout and components that can be accessed with ease. Also, Toyota is known for high-quality parts that do not require frequent repairs.

    Safe: The Toyota Hilux packs a wide range of safety features including Airbags, an Anti-Lock Braking System (ABS), Electronic Brakeforce Distribution (EBD), Vehicle Stability Control (VSC), and Hill-start Assist Control (HAC).

    Comfortable: Toyota has designed the Hilux with ergonomic seats, climate control, and a range of amenities to ensure a comfortable ride.

    Rivals of Toyota Hilux

    • KIA Carnival

    • Skoda Superb

    • MG Gloster

    • Citroen C5 Aircross

    • Isuzu MU-X

    • Jeep Meridian

    • Volkswagen Tiguan

    • Jeep Compass Trailhawk

    • Skoda Kodiaq

    • BYD Auto Atto 3

    Disclaimer / TnC

    Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

    Related Articles

    How to Claim Toyota Car Insurance?

    How to Claim Toyota Car Insurance?


    The claims process at Tata AIG is swift and customer-friendly. Here's how you can file a car insurance claim on our website.

    1. Visit the Claims page on our website.
    2. Input your registered phone number to proceed with the claims process.
    3. Enter your Tata AIG Toyota motor insurance policy number as well as the details of the First Information Report (in case of a claim for an accident).
    4. Submit the claim form on the following page.
    5. Cooperate with the car insurance surveyor assigned by us to inspect the damages suffered by your car and assess your claim.
    6. Once the car insurance surveyor gives you the go-ahead, you can take your car to the nearest network garage and get it repaired.
    7. You do not have to pay any bills for the repair. We will settle the payment for the repair expenses directly with our partner garage.

    How to Renew a Toyota Car Insurance Policy?


    It is easy to renew your Toyota car insurance policy. All you have to do is follow the below steps.

    1. Visit our car insurance page.
    2. Input your car's registration number and click on 'Renew'.
    3. Enter your car insurance claims details and your accumulated 'No-claim Bonus' for the preceding year.
    4. Click on 'Get Price' to receive your Tata AIG Toyota motor insurance quote and pay the premium online to renew the policy.

    What Are the Prices of Toyota Cars in India?


    Toyota Motors offers India six cars in India, which are available in different transmission and fuel types. Here are the ex-showroom - New Delhi prices of Toyota's cars in India.

    1. Toyota Glanza - ₹7.49 lakhs to ₹9.45 lakhs
    2. Toyota Urban Cruiser - ₹8.72 lakhs to ₹11.40 lakhs
    3. Toyota Innova Crysta - ₹17.18 lakhs to ₹24.98 lakhs
    4. Toyota Fortuner - ₹30.72 lakhs to ₹42.33 lakhs
    5. Toyota Camry - ₹41.20 lakhs
    6. Toyota Vellfire - ₹89.90 lakhs

    Is Toyota a Good Choice for Your New Car?


    Yes, Toyota cars are celebrated for their emphasis on design, innovation, and fuel efficiency. Being a renowned global automobile manufacturer, Toyota Motors has a substantial brand equity and a consistent emphasis on the delivery of quality in both its products and services.

    Much Does Car Insurance for Toyota Cost?


    The premium of your Toyota motor insurance policy is determined by several factors, and your car's 'Insured Declared Value' (IDV) is one of them. The IDVs of different Toyota cars are different, thereby making their car insurance premiums vary. If your Toyota car is a high-end premium vehicle, you shall have to shell out a higher amount as premium in comparison with the corresponding premium for a Toyota hatchback or Sedan.

    Disclaimer: All the car prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.

    What is the IDV for Toyota Hilux insurance?


    The Insured Declared Value or IDV is the listing price of the vehicle minus depreciation. It is the maximum price that the policyholder will receive if the vehicle is stolen or damaged beyond repair. You can contact the car dealer to know the IDV or the vehicle.

    What is covered under Toyota Hilux insurance?


    A comprehensive Toyota Hilux insurance policy offers the following coverage: Third-party liabilities Damage to the insured vehicle due to an accident, collision, fire, natural disaster, theft, or man-made calamity Personal accident cover for the owner-driver of the insured vehicle Additional coverage based on the add-on covers selected

    What is a No Claim Bonus (NCB) in Toyota Hilux insurance?


    NCB is a discount on the premium offered to a policyholder for not filing any claim during a policy term. This is a progressive discount that increases with every consecutive claim-free year. The discounts can range from 20-50%.

    Disclaimer: *All the car prices and other information listed above pertain to a specific city and vehicle model. Since this information is subject to change, it is advisable to check the latest information before purchasing a vehicle or an insurance policy.