Toyota Innova Hycross Insurance
Toyota Innova Hycross Insurance
The brand name Toyota is synonymous with quality, reliability, and service. Vehicles like the Fortuner, quails, and Innova have helped cement this image in people’s minds. With high expectations, the Toyota Innova Hycross has managed to live up to expectations. A muscular-looking multi-purpose vehicle (MPV), the Hycross has a strong road presence and offers a range of features and benefits to pique the interest of Indian car owners.
Driving a car is riddled with many risks of accidents and collisions that can damage your car or cause damage to a third-party person or property. Therefore, it is important to buy four wheeler insurance that offers protection against such damages. Many car owners opt for a mandatory third-party car insurance policy that offers coverage for third-party liabilities only.
These policies do not cover damages to the insured car. If you are looking for complete protection for your Innova Hycross, then you need to consider buying a comprehensive Toyota Innova Hycross car insurance policy. A comprehensive car insurance plan offers coverage for third-party liabilities plus covers damages to the insured car due to collision and non-collision events.
Many providers offer Toyota car insurance in India. Before buying a policy, it is important to compare plans and providers carefully to find the best protection for your car. Look at factors like the policy terms, inclusions, exclusions, car insurance claim process, and claim settlement ratio. TATA AIG has gained popularity as a reliable name in car insurance due to customer-friendly processes, feature-rich plans, and cost-efficiency. You can look at Toyota Innova Hycross insurance offered by TATA AIG to get the best coverage for your beloved car.
Toyota Innova Hycross Car Insurance Renewal/Purchase via Tata AIG
In recent years, many car owners have started opting for comprehensive policies to get maximum protection against accidents, collisions, and damage to their cars due to a range of reasons. If you are planning to buy an Innova Hycross, then make sure that you look for a comprehensive Innova Hycross insurance policy for 360-degree coverage. TATA AIG offers Toyota car insurance plans online, allowing you to buy/renew the policies in no time. Here are the steps for buying/renewing car insurance from TATA AIG:
Go to www.tataaig.com – TATA AIG’s official website.
Scroll to the top menu and click on All Products. From the dropdown, click on Car Insurance.
This will take you to the Car Insurance Page. Here, enter the registration number of your Innova Hycross and select one of these two options:
**Get Price: Select this option if you want to buy a new policy for your Toyota Innova Hycross.
**Renew: Select this option if you want to renew your existing TATA AIG Toyota Innova Hycross car insurance policy.
We will display a list of Insured Declared Values or IDVs for your car. An IDV is the current market value of the car and helps us determine the maximum sum insured and the premium of the policy. Choose the right IDV carefully.
If you are renewing your TATA AIG policy, then provide details of any claims filed during the previous policy term. If you have not filed any claim, opt for the No Claim Bonus discount.
Choose add-on covers based on your needs. Every add-on cover will increase the premium amount. Select the ones that can help you save money.
TATA AIG will also help you select a voluntary deductible that can reduce the policy premium provided you agree to pay a certain amount at the time of claim settlement. Choose this amount carefully too.
Once we have these details, we will display the premium of the policy offered.
Pay the premium using the digital payment modes available.
Receive the policy documents via email.
Toyota Innova Hycross Insurance Cost – Your Premium Amount
The cost of buying a car insurance policy is also known as the premium. You are expected to pay this amount to keep the policy active and receive coverage for a specified period. As soon as the period is over, you need to renew the policy and pay the premium again. Hence, a car insurance premium is a recurring cost.
To ensure that you find a cost-efficient plan, it is important to understand the factors that impact the calculation of the premium. While the factors can vary based on individual circumstances, here is a common list of factors we consider for calculating the premium of a comprehensive car insurance policy.
The car type: The make and model of the car are the most important aspects determining car insurance premiums. If the car is costly to repair and/or has expensive spare parts, then the premium will be higher. Also, if the car is new, then the premium will be higher than its older counterpart.
IDV: The Insured Declared Value (IDV) is the estimated market value of the car that helps us determine the sum insured by the policy. This also impacts the premium of the policy. A higher IDV will result in a higher sum insured and a higher premium.
Your details: We look at the age, gender, and driving history of the owner-driver to assess the risk of accidents. If you have a history of traffic rule violations or accidents, then we adjust the premium to accommodate the increased risks.
Location: Premiums are higher for cars that are parked in areas with high crime rates and/or driven in accident-prone areas.
Voluntary deductible: You can reduce your premium liability by opting for a voluntary deductible. Under this feature, you agree to pay a certain amount at the time of claim settlement in exchange for a discount on the premium of the policy.
Add-Ons for Toyota Innova Hycross Insurance by Tata AIG
Here are 12 unique add-ons that you can include with your Tata AIG comprehensive car insurance plan for added coverage:
Key Replacement
Daily Allowance
Zero Depreciation
Engine Secure
Return to Invoice
Consumables Expenses
Roadside Assistance
Tyre Secure
Loss of Personal Belongings
NCB Protection
Repair of Glass, Fibre, Plastic and Rubber Parts
Emergency Transport and Hotel Expenses
Things Covered and Not Covered under Tata AIG’s Toyota Innova Hycross Car Insurance
| Things Covered Under Tata AIG’s Toyota Innova Hycross Car Insurance | Things Not Covered Under Tata AIG’s Toyota Innova Hycross Car Insurance |
|---|---|
| Third-Party Liability: Covers damages caused to a third party, including death or injury, as well as damage to their property. | Regular Wear and Tear: Damages due to normal wear and tear of the vehicle, including tyre punctures, battery failure, and brakes, are not covered. |
| Own Damage: Covers damage to the policyholder's vehicle, including collision, theft, and natural disasters. | Driving under the Influence: Damages or losses sustained while driving under the influence of drugs or alcohol are not covered. |
| Personal Accident Cover: Provides financial compensation in case of death or injury to the policyholder or any named driver. | Intentional Damage: Intentional damage caused by the policyholder or any named driver is not covered. |
| Medical Expenses: Covers the cost of medical expenses for the policyholder and any named drivers in the event of an accident. | Unauthorised Driving: Damages or losses sustained while the vehicle is being driven by someone not authorised under the policy are not covered. |
| Add-on covers: These include a range of covers like:
|
Mechanical or Electrical Breakdown: Damages due to mechanical or electrical breakdown, unless caused by accident, are not covered. |
| War and Related Perils: Damages or losses sustained as a result of war, invasion, or acts of terrorism are not covered. | |
| Geographical Limitations: Damages or losses sustained outside the geographical limits specified in the policy are not covered. | |
| Non-Maintenance of the Vehicle: Damages or losses sustained due to poor maintenance or not following the manufacturer's recommended guidelines are not covered. |
Why is it Important to Have Tata AIG for Your Toyota Innova Hycross Car Insurance?
To get the best coverage and ensure that your claims are settled in time, you need to buy a car insurance policy from a reliable insurance provider. TATA AIG is one of the most reliable names in car insurance in India. Here are some reasons that make it important to have a TATA AIG Toyota Innova Hycross car insurance policy:
- Wide Range of Coverage: Tata AIG offers a wide range of car insurance coverage options to meet the specific needs of policyholders.
- Experienced Insurer: Tata AIG is a well-established and experienced insurer, providing insurance solutions for over two decades.
- Strong Financial Background: Tata AIG has a strong financial background and is backed by the Tata Group, one of India's largest and most trusted conglomerates.
- Customisable Policies: Policyholders can customise their coverage by choosing from a range of add-on covers, including zero depreciation and engine protection.
- Cashless Network Garages: Tata AIG has a large network of cashless garages across India, making it convenient for policyholders to get their vehicles repaired in the event of a claim.
- 24x7 Customer Support: Tata AIG offers 24x7 customer support, providing policyholders with assistance whenever needed.
- Online Policy Management: Policyholders can manage their policies online, including renewals, claims, and policy details, through the company's user-friendly online platform.
- Competitive Pricing: Tata AIG offers competitive pricing for its car insurance policies, making it an affordable option for policyholders.
- Expert Claims Management: Tata AIG has a team of experienced claims management professionals who are dedicated to handling claims efficiently and fairly.
Overview – Toyota Innova Hycross Car Model
The Toyota Innova Hycross is a hybrid car with a plethora of new-age features and technologies to offer a memorable driving experience. Here are the key features and specifications of Toyota Innova Hycross:
Engine and Transmission
| Engine | 2.0 TNGA 5th Generation in-line VVTi |
| Displacement | 1987cc |
| Maximum Power | 183.72 bhp @ 6600 rpm |
| Maximum Torque | 188 nm @ 4398-5196 rpm |
| Battery Type | 168 cell Ni-MH |
| Transmission | Automatic |
Performance and Fuel
| Fuel | Petrol |
| ARAI mileage | 23,24 km per liter |
| Fuel Tank Capacity | 52 liters |
| Emission Norm Compliance | BS VI |
| Battery Type | 168 cell Ni-MH |
| Transmission | Automatic |
Handling
| Front Suspension | MacPherson Strut |
| Rear Suspension | Semi-independent Torsion beam |
| Steering type | Electric |
| Front and Rear Brakes | Disc |
Convenience and Comfort
| Power Steering | Power Windows |
| Power Boot | Air conditioner |
| Heater | Adjustable Steering |
| Automatic Climate Control | Accessory Power Outlet |
| Trunk Light | Rear Seat Headrest |
| Adjustable Headrest | Rear Seat Centre Arm Rest |
| Height Adjustable Front Seat Belts | Cup Holders-Front |
| Rear AC Vents | Cruise Control |
| Front and Rear Parking Sensors | Foldable Rear Seat |
| KeyLess Entry | Voice Control |
| Front and rear USB Charger | Gear Shift Indicator |
Toyota Innova Hycross Variants and Prices
| Toyota Innova Hycross Variants | Price of Variants (Ex-Showroom Delhi) |
|---|---|
| Innova Hycross G 7S | ₹21.72 Lakhs |
| Innova Hycross G 8S | ₹21.78 Lakhs |
| Innova Hycross VX 7S | ₹28.30 Lakhs |
| Innova Hycross VX 8S | ₹28.36 Lakhs |
| Innova Hycross ZX | ₹33.39 Lakhs |
| Innova Hycross ZX(O) | ₹34.15 Lakhs |
Unique Selling Points: Toyota Innova Hycross Car Features
The following are the key unique selling points of Toyota Innova Hycross:
- Powered Driver Seat: The Innova Hycross has an 8-way powered driver seat with memory function. This allows the driver to set the seating position as per his/her comfort.
- Climate Control System: The Hycross comes with a dual-zone climate control system. This allows the driver and the co-passenger to have different temperatures for their zones.
- Ventilated Seats: The front row seats are perforated to allow air to pass through and keep the person sitting on them sweat-free.
- Powered Ottoman Seats: The powered ottoman rear seats with long slide is a unique feature and the first-in-class for this segment. This lets you recline, put your feet up, and enjoy the ride.
- 9-Speaker JBL System: This allows you to feel the music pulse through your senses while you enjoy the comfort and joy of a smooth drive.
Rivals of Toyota Innova Hycross
Toyota Innova Crysta
Kia Carens
Kia Carnival
Renault Triber
Maruti Ertiga
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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