Toyota Insurance

Buy Reliance Toyota Car Insurance starting at just ₹238/month*

When buying your first car, you always look for one that is sturdy, of the highest quality and manufactured by a renowned brand like Toyota. For a car like that, you also need a reliable insurance provider like Reliance General Insurance.

With Reliance General Car Insurance for Toyota, you get extensive coverage at affordable rates, starting at just ₹238/month. Moreover, our wide range of add-on covers, cashless repairs, huge network of garages and easy buying and claiming process will ensure that your Toyota car receives top-notch coverage.

Before you buy Toyota insurance for your beloved car, here is a comprehensive guide about everything you need to know about our Toyota insurance policy.

Reliance Toyota Car Insurance Featuresand Benefits

Third-Party Liability

Reliance General Insurance for Toyota cars covers third-party liabilities via our third-party and comprehensive car insurance. With these policies, you do not have to worry about settling the damages.

Comprehensive Coverage

Our Toyota vehicle insurance by Reliance​ General Insurance is carefully crafted to provide extensive coverage to car owners. With us, you get coverage against third-party liabilities, natural calamities, accidental damages, rodent bites, nil depreciation, etc.

Quick and Easy Claim Process

Our claim process comprises four easy steps to follow. Right from intimating your Toyota insurance claim to receiving the amount, you can complete and track its status online.

Add-on Covers

Benefits of Toyota car insurance under Reliance General Insurance includes access to a multitude of add-on covers to provide overall coverage from several perils. These include nil depreciation, pay-as-you-drive, engine protection cover, key replacement cover, no-claim bonus retention cover, etc.

Cashless Repairs

We also offer cashless claims through which you can make repairs without settling the bills upfront from your pockets.

Affordable Car Insurance Premiums

Our Toyota auto insurance premiums start at just ₹238/Month*, providing comprehensive coverage at competitive rates.

24/7 Customer Support

Our dedicated support will guide you through critical situations, the buying and renewing process and the claim process, giving you a smooth experience.

Wide Network of Garages

To give you a smooth, cashless experience, we have a network of over 10,000 garages spread across the country.

Intuitive Self-i App

With Reliance General Insurance's intuitive Self-i app, you can easily upload self-inspection videos in case of an accident or renew your policy after expiration.

Types of Toyota Car Insurance Policy

Why Do You Need a Toyota Car Insurance Policy?

Investing in reliable car insurance is important to ensure that your beloved Toyota car is protected from various perils. By buying car insurance for your Toyota car, you minimise the risk of incurring financial loss caused by:

• Theft
• Natural calamities
• Accidents
• Third-party damage
• Riots
• Vandalism
• Fire​
  

Moreover, according to the Motor Vehicle Act of 1989, it is mandatory for every car owner, irrespective of the car's brand and model, to have at least third-party insurance. Thus, by buying Toyota car insurance, you also fulfil the legal requirement.

How to Buy Toyota Car Insurance - Online & Offline

Toyota Car Insurance Online Buying Process

1. Go to the Reliance General Insurance homepage.

2. Go to the car insurance page on the main menu products list. Alternatively, you can buy Toyota online insurance through the Reliance Self-i app.

3. Enter your vehicle's registration number, mobile number, email address and your car's make and model.

4. You will then receive a quote based on your input and choice of plan. This instant quote will provide information about the IDV, tax details and other terms.

5. Based on the quote, you can also modify the coverage and compare the prices of various plans and coverages before buying insurance.

6. Confirm your choice and complete the payment using your preferred mode. Once the payment is completed, we will send you the policy document to your registered email address.

Toyota Car Insurance Offline Buying Process

You can buy the best insurance for Toyota cars offline with Reliance General Insurance by visiting us at our nearest branch in your vicinity. You will need to carry along originals and photocopies of your car registration document and driver's licence. Fill out the form, make your choice and complete the premium payment to buy the policy.

Toyota Car Insurance Policy Renewal Process

• Visit the Reliance General Insurance official website. Go to the “Renewal" tab from the menu. Then, select “Renew Car Insurance" to initiate the Toyota insurance renewal process.
• You will then need to enter the policy number and details of your Toyota car.
• Verify the policy details and add or reduce coverage based on your requirements.
• Verify the quote and discounts applicable (NCB) and complete the Toyota car insurance renewal payment.

How to Buy Second-Hand Toyota Car Insurance?

Just like it is important to buy car insurance for new cars and protect them from various perils, it is also important to protect your second-hand car with our Toyota car insurance. Here is how the buying process for a second-hand car looks like:

• Car Inspection: Before the buying process, we need to inspect the vehicle to determine its condition and engine health. Once we have determined that it is okay, we can proceed with the next steps.
• Documentation:​​Next, for the buying process, you must have all the necessary documents ready to be submitted. These include signed forms 29 and 30, proof of successful RC transfer, identification proof, etc.
• Online Buying/strong> ​Go to our car insurance page to initiate the buying process. Enter your information, choose the right policy and add-ons, submit your documents and complete the payment.



If you have any queries, contact us via our helpline number (022-4890 3009) or visit our Self-Help portal.

Toyota Insurance Coverage- Inclusions and Exclusions

Toyota Car Insurance Policy Inclusions

• Damage to third-party vehicle or property
• Damage to your own vehicle caused by
• Terrorist activity
• Fire, explosion, self-ignition or lightning
• Burglary, housebreaking or theft
• Natural calamities like floods, typhoons, hurricanes, storms, tempests, earthquakes, cyclones, frosts, hailstorms, etc.
• Accident
• Damage during transit

• Coverages offered under various add-ons covers (depending on the choice of your addition)
• Mandatory Personal Accident Cover of up to ₹15 lakhs.

Toyota India Car Insurance Policy Exclusions

• Accidental loss incurred outside the geographical area
• Any claim arising out of any contractual liability
• Damages caused due to ionising radiations or contamination by radioactivity from any nuclear fuel or waste.
• Not using the vehicle for its intended use
• Driving under the influence of alcohol or any other substances.
• Insured individual/driver found driving without a valid driving licence.
• Violation of rules listed in the Motor Vehicle Act of 1989.
• Accidental damages incurred due to driver's negligence
• Damages caused directly or indirectly due to nuclear weapons material
• Regular wear and tear
• Damages caused by war, invasion, the acts of foreign enemies, hostilities, warlike operations, etc.

Toyota Insurance Add-On Covers

• Nil Depreciation (Bumper-to-Bumper Insurance):This prevents deductions based on the depreciation of car parts, giving you the full claim amount.
• Pay-As-You-Drive Car Insurance:With this add-on, the premium is adjusted based on the kilometres that you drive.
• Engine Protection Cover:While your Toyota insurance covers the basic damages, this add-on covers damages caused by water ingression, lubricant oil spillage, etc.
• Consumables Expenses Cover:This add-on covers you against the costs of consumables, such as lubricant, oil, grease, etc.
• Total Cover:In case of severe damage or total loss, our add-on cover compensates you for the actual invoice amount you paid when buying the car, not just the IDV.
• NCB Retention Cover:This protects your accumulated no-claim bonus discounts despite raising a claim.
• Engine Protection Cover:This add-on safeguards your car's most expensive parts from repair and replacement costs incurred due to damage.
• EMI Protection Cover:With this rider, we will cover your EMIs if the repair work is extended by 21 days.
• Geo Extension:With this cover, you can extend the scope of coverage to additional countries.
• Tyre Protection Cover:This covers the expenses of repairing or replacing tyres damaged by wear and tear.
• RIM Protection:This cover offers financial protection against damage to your Toyota car's rims, maintaining their functionality.
• Daily Allowance Benefit:This add-on covers the expense of alternate transportation while your car is undergoing repairs.
  
• Return-to-Invoice Cover:In case of a total loss, this add-on feature can compensate you for the entire purchase price of your car.
• 24X7 Road Assistance:This add-on cover provides assistance during vehicle breakdowns, flat tyre changes, battery jumpstarts, etc.
• Key Replacement Cover:This add-on covers the expenses of replacing the lost key and the lock (if needed).
• Loss of Personal Belongings: This rider reimburses you for the loss of personal belongings from your car in case of theft.
  
• Electrical Accessories:It covers the expense of replacing or repairing custom-installed electrical equipment in case of damage or theft.
• Non-Electrical Accessories:It covers damages or theft of non-electrical modifications to your vehicle, such as alloy wheels, seat covers, etc.
• Emergency Hotel Accommodation:In case of vehicle breakdown, this add-on will cover your emergency accommodation expenses.
  
  We also offer add-on covers specifically tailored for EV cars. These include battery protection, charger cover and electric motor protection.

Step-by-Step Guide to Toyota Car Insurance Claim Process

Toyota Car Insurance Claim: Cashless Claim Process

1. Intimate us about the claim by calling us at our paid helpline number, 022-4890 3009 or through the Toyota insurance login on the Reliance Self-i App.
2. A surveyor will visit and inspect the vehicle for its damages.
3. Submit the documents to the surveyor, including your driving licence, registration certificate, policy document, etc.
4. Once we verify your claim, you can proceed with the repair work.
5. With cashless claims, you can get repairs done at any of the network garages without paying upfront.

Toyota Insurance Claim: Reimbursement Claim Process

1. Intimate your car insurance claim the same way mentioned above.
2. Gather all the evidence related to the incident, such as noting down the third-party car details, taking pictures and insurance details of the third party, filing an FIR, etc.
3. Fill out the claim form through our Claims page, detailing the incident and giving accurate information.  
4. Save all the receipts and invoices from the garage and submit them while filing your claim.
   
   You can check the status of your claim online by entering your claim number/policy number.
   
   *Note that we do not pay for the uninsured parts, deductibles or depreciation. You must settle these amounts for such repair.

Documents for Toyota Insurance Claim

• Policy number
• Contact number
• Vehicle details
• Copy of registration certificate
• Copy of driving licence
• Date & time of accident
• Extent of loss
• Location of loss
  
• Forms 28, 29 and 30 signed by the insured (for admission of liability)
• Name and contact details of the garage
• Contact details and name of the insured person (in case a relative raises the claim)
• FIR (in case of claim for third-party liabilities or theft)
• Repair bills
• NOC of the financer
  
  Useful Links:

1. Required Documents Based on Claim Type

Toyota Cashless Insurance Claim vs Reimbursement Claim

Toyota Car Insurance Premium

Several factors impact the premium of car insurance for Toyota. At Reliance General Insurance, we consider these factors to calculate Toyota car insurance premium:

The Vehicle's Specifications

Insurance premiums largely depend on your vehicle's general specifications. The classic factors affecting premium costs are:

• Make, model and brand of your vehicle
• Vehicle type (sedan, SUV, hatchback, MUV etc.)
• The fuel type it runs on and whether it has a manual or automatic transmission.

Your Coverage Needs

Another vital factor impacting Toyota vehicle insurance price is the type of coverage you select, particularly the insurance policy you choose. Premiums are also impacted based on the additional riders you choose, the applicable voluntary or involuntary deductible and other customisations.

The Vehicle's Insured Declared Value

We allow you to choose your preferred IDV while buying and renewing your insurance plan. A higher IDV results in higher premiums but converts to a higher compensation at the time of claim filing. Similarly, a lower IDV reduces premium costs, but the compensation for filing claims may also be low.

The Location of Vehicle Registration

If you reside in cosmopolitan areas like metros (with heavy traffic) or flood-prone areas, you can expect to pay a higher premium. If, on the other hand, you live in sparsely populated towns or villages with rare instances of accidents or vehicular damage, we may quote a lower premium amount.

Your Personal Factors

We also take your personal factors into account while deciding the premium costs of the Toyota insurance policy. If you have a good driving record and experience, you may get a lower premium quote. Conversely, if you have filed many claims in the past or have been found guilty of flouting traffic laws, your premium costs may increase.

How to Calculate Toyota Car Insurance Premium?

The most important step in buying car insurance for your Toyota car is to derive an estimate of premium based on your preferences. To speed up the process, we offer a free tool which gives you an estimate in an instant.

You can calculate the premium online using our car insurance premium calculator ​and compare the coverage and cost of all our plans instantly.

With our car insurance premium calculator, you can understand the impact of various factors that influence premium prices, such as the car's make and model, age and type of coverage needed.  

To use our free tool, you simply need to enter your car's registration number, email address, mobile number and policy number (if applicable). Based on your car's make and model and other factors, it will give an instant indication of the premium prices.

Toyota Vehicle Insurance: Third-Party Insurance Premium

The premium calculation for third-party Toyota motor vehicle insurance is different from other types of car insurance. It primarily depends on the car's engine or battery capacity (in the case of EV cars). These premium rates are monitored and set by the IRDAI and are the same across insurance providers. Here are the current Toyota car insurance rates:

Toyota Insurance Costfor Private Cars

<h4> For Electric Cars </h4>

Toyota Car Name and Prices

#These prices will vary with time, your purchase location and model variant.

Toyota - Overview and USPs

• Toyota is recognised as a leading global automotive brand, consistently ranking among the top in sales and market share worldwide.
• Toyota emphasises its commitment to building reliable vehicles that are designed to last, which is a core aspect of their brand promise.
• Toyota is a pioneer in hybrid technology, introducing the first mass-produced hybrid car, the Prius.
• Toyota Safety Sense is a standard feature across many Toyota models, offering advanced safety systems like pre-collision detection, lane departure alert and more.
• Toyota vehicles are known for maintaining strong resale value.

Reliance Car Insurance for Popular Toyota Models

Disclaimer: *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819;

Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us ₹238/month (2,853/12).

Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.

Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.

Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.​