Toyota Innova Hycross Car Insurance

Secure your Toyota Innova Hycross with the best car insurance policies. Learn about innova hycross insurance price, features, and how to buy, renew, and claim insurance.
Buy/Renew Toyota Innova Hycross Car Insurance
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3 min
14-August-2024
The Toyota Innova Hycross is a premium MPV known for its comfort, advanced features, and reliability. Given its popularity and value, securing the right car insurance is crucial. Car insurance for the Innova Hycross not only provides financial protection in case of accidents but also covers theft, natural disasters, and third-party liabilities. This guide will help you understand the various aspects of insuring your Toyota Innova Hycross.

What is Toyota Innova Hycross car insurance?

Toyota Innova Hycross Car Insurance is a policy designed to protect your vehicle from unforeseen events. It includes coverage for damage due to accidents, theft, fire, natural calamities, and third-party liabilities. Depending on the policy you choose, it may also cover additional features like roadside assistance, engine protection, and zero depreciation.

Why choose Toyota Innova Hycross car insurance?

Opting for Toyota Innova Hycross Car Insurance ensures that your vehicle is protected against various risks. Here’s why you should consider it:

  • Comprehensive coverage: It covers a wide range of incidents, including accidents, natural disasters, and theft.
  • Financial security: Helps you avoid significant out-of-pocket expenses in case of damage.
  • Third-party liability: Covers damages to third parties in the event of an accident.
  • Peace of mind: You can drive your vehicle confidently, knowing it is fully insured

Types of Toyota Innova Hycross car insurance policies

There are different types of car insurance policies available for the Toyota Innova Hycross, catering to various needs and preferences. Below is a summary of the key types:

Insurance typeCoverage details
Third-party liabilityCovers damages to third-party vehicles and property. Does not cover your Innova Hycross.
Own damage insuranceCovers damages to your own vehicle due to accidents.
Comprehensive insuranceCovers both third-party liabilities and damages to your Innova Hycross, including theft and natural disasters.
Personal accident coverProvides coverage for the driver/owner in case of accidents.


Toyota Innova Hycross car models and insurance price

For an estimated third-party premium cost on your Toyota Innova Hycross car insurance, consult the table below. Premiums differ based on the chosen variant of the vehicle. The own damage insurance premium is determined by the insurer, considering factors like cubic capacity (CC), make, model, variant, fuel type, RTO location, claim history, and various other factors.

Toyota Innova Hycross VariantThird-Party Premium Rates (FY 23-24)
Innova Hycross GX 7STRRs. 7,897*Get Quote
Innova Hycross GXRs. 7,897*Get Quote
Innova Hycross GX (O)Rs. 7,897*Get Quote
Innova Hycross GX (O) AutomaticRs. 7,897*Get Quote
Innova Hycross VX 7STR HybridRs. 7,897*Get Quote
Innova Hycross VX 8STR HybridRs. 7,897*Get Quote
Innova Hycross VX(O) HybridRs. 7,897*Get Quote
Innova Hycross VX(O) 8STR HybridRs. 7,897*Get Quote
Innova Hycross ZX HybridRs. 7,897*Get Quote
Innova Hycross ZX(O) HybridRs. 7,897*Get Quote


Disclaimer: The above information is for Third-party premiums only. The Own Damage premium rates will depend on the specific model, variant, fuel type, place, the year of registration, IDV, add-on covers and various other factors.

Key features and benefits of Toyota Innova Hycross car insurance

When you opt for Toyota Innova Hycross car insurance, you get access to a range of features and benefits that enhance your coverage experience:

  • Comprehensive coverage: Protects against various risks, including accidents, theft, and natural disasters.
  • Cashless repairs: Access to a wide network of garages for cashless repairs.
  • Add-on covers: Enhance your policy with add-ons like zero depreciation, engine protection, and roadside assistance.
  • No Claim Bonus (NCB): Discount on premium for every claim-free year.
  • 24/7 customer support: Support during emergencies like flat tyres, towing, and fuel delivery.

Car insurance claim process

Cashless claim process:

A cashless car insurance process simplifies the repair of your Toyota Innova Hycross car by eliminating the need for upfront payment at a network garage. Here's a step-by-step guide to the cashless car insurance claim process:

  • Inform your insurance company about the accident or incident through phone, website, or mobile app.
  • Provide all relevant details of the incident to the authorities, particularly if it involves accidents, theft, or fire. File an FIR if required.
  • Take photographs of the damages to your insured car and any bodily injuries sustained immediately after the incident to serve as evidence during the claim process.
  • Find the nearest network garage and take your car there for cashless repairs. If your vehicle is stalled due to damage, contact your insurer for towing assistance.
  • Once at the garage, a surveyor from your insurance company will assess the damage. Ensure you have all necessary documents such as your car registration certificate, driving license, and FIR available for inspection.
  • The surveyor will evaluate the claim amount and prepare a report to submit to your insurer. Your insurer will then either approve or reject the claim based on the surveyor's findings.
  • Upon approval, the network garage will proceed with the repairs. Once the repairs are completed, your insurer will settle the bills directly with the garage.

Reimbursement claim process

The reimbursement claim process requires you to initially pay for the repair bills and later seek reimbursement from your insurer. Below is the reimbursement car insurance claim process for your car:

  • Inform your insurance company about the incident and register your claim.
  • Take your car to a workshop or garage of your choice for repairs.
  • A surveyor appointed by your insurer will assess the damages at the garage.
  • The surveyor will prepare and submit a claim report to your insurer.
  • The garage will repair your car and provide you with a bill, which you will need to pay.
  • Submit the original repair bills along with a claim form to your insurance company.
  • Your insurer will review the repair bills and claim form and reimburse your repair costs accordingly.Top of Form

Documents required in the claims process

Here is the list of documents you may need while filing a claim for your car insurance policy:

  • Copy of the registration certificate (RC) of your vehicle
  • Copy of your driving licence
  • Policy document
  • Description of the incident and photographs of the vehicle (if possible)
  • First Information Report (FIR) in case of theft, injuries to any third party or damage to their property
  • The original keys to the vehicle
  • RTO transfer papers duly signed with Form 28, Form 29 and Form 30
  • No Trace Report from the police in cases of theft of the vehicle
  • The original bills for the repairs of the car to claim the four-wheeler insurance policy
Note: Check with your insurer in case you require more documents depending on the nature of the claim.

Toyota Innova Hycross Car Insurance offers a comprehensive shield against various risks, ensuring that your valuable vehicle remains protected. From understanding the different types of insurance policies to knowing how to buy, renew, and claim insurance, this guide provides all the necessary details. Make an informed decision and secure your Innova Hycross with the best insurance plan, tailored to your needs.

Frequently asked questions

What does comprehensive car insurance cover for Toyota Innova Hycross?
Comprehensive car insurance for Toyota Innova Hycross covers damages due to accidents, theft, natural disasters, and third-party liabilities. It may also include add-ons like engine protection and zero depreciation.

What is a No Claim Bonus (NCB)?
A No Claim Bonus (NCB) is a discount on your insurance premium, rewarded for every claim-free year. The percentage of discount increases with each consecutive claim-free year.

Is roadside assistance included in the policy for Toyota Innova Hycross?
Yes, most comprehensive car insurance policies for Toyota Innova Hycross include 24/7 roadside assistance, offering help with breakdowns, towing, fuel delivery, and more.

How do I make a claim if my car is stolen for Toyota Innova Hycross?
If your Toyota Innova Hycross is stolen, immediately file an FIR with the police, inform your insurer, and submit the necessary documents, including the FIR copy. The insurer will process your claim based on the investigation report.

How is the premium for car insurance calculated?
The premium for Toyota Innova Hycross car insurance is calculated based on factors such as the car's model, age, location, coverage type, add-ons, and the driver’s profile, including driving history and claims record.

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Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.

Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Premium indicated is exclusive of taxes for third party coverage of four-wheeler above 1,500 CC. Premium may vary based on the specification of the vehicle.

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