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Toyota is synonymous with reliability, efficiency and long-term value, qualities that have made it one of India's most trusted automotive brands. Toyota appeals to families, professionals and practical buyers who expect durability and performance, from the agile Glanza for city drives to the commanding Fortuner for adventure seekers. Yet, even the most dependable vehicle can face risks on crowded roads, during unpredictable weather or while parked in public spaces.
Consider driving through waterlogged streets during the monsoon season when sudden engine damage could lead to high repair costs. Or imagine returning to find your parked vehicle damaged in a hit-and-run. Reliance Toyota car insurance protects you from such financial setbacks by covering repair and replacement costs so that your car is restored without straining your budget.
With Reliance General Insurance , managing your coverage is effortless. Our intuitive Reliance Self-i app allows you to buy, renew and access your policy instantly. Store documents digitally, track claims and have all the details ready when service centres or traffic authorities need verification, so your focus stays on the journey, not the paperwork.
We offer Toyota car insurance that's affordable, reliable and easy to use. Our plans come with special benefits and flexible options that make protecting your Toyota simple and convenient for every driver.
Toyota car insurance is mandatory by law in India for all vehicle owners. If you drive your Toyota without valid insurance, the traffic police can fine you ₹2,000 to ₹4,000. You might even face imprisonment for up to 3 months. Toyota insurance ensures you stay legally compliant and avoid hefty penalties while driving safely on Indian roads.
Toyota cars are reliable, but daily city driving and rough roads can cause some wear and tear. Accidents, pothole damage or mechanical issues can lead to expensive repairs. Toyota insurance covers these repair costs, so you don't have to worry about unexpected expenses. Our comprehensive car insurance plans ensure your Toyota receives quality repairs without breaking the bank.
Car theft rates are increasing in major cities across India, putting car owners at risk. Losing your Toyota to theft means losing a significant investment. Toyota insurance protects you by compensating the Insured Declared Value if your car gets stolen. With our Return to Invoice add-on, you can even get the full original purchase price back.
Monsoons and natural disasters can severely damage your Toyota through flooding, hailstorms or fallen trees. The repair costs from floods alone can cost up to ₹2 lakhs* or more. Toyota insurance covers such natural calamity damages. Our Engine Protect insurance add-on specifically covers flood-related engine repairs, protecting you from massive repair bills during extreme weather events.
Though rare, fires can destroy your Toyota, especially newer models with advanced electronics. Fire damage often means total loss of the vehicle. Toyota insurance provides complete coverage for fire-related damages. We also offer specialised add-ons for hybrid Toyota models, covering their battery systems and electric components against fire damage risks.
Our Toyota car insurance gives you access to a wide network of authorised garages across India. Our network garages use genuine spare parts for repairs, ensuring your car maintains its original quality and performance. And with our cashless claims facilities, you don't need to pay upfront for repairs. Simply show your insurance card and get your Toyota fixed with authentic parts.
Note: The values stated within this section have been obtained from multiple sources. The repair costs were taken from this source.
A comprehensive policy gives you double protection for your Toyota and covers damages to other people's property, too. When accidents happen, it pays for both your car repairs and the other person's vehicle damage. You get access to over 10 helpful add-ons, plus 3 special electric vehicle add-ons to make your coverage stronger and more complete for every situation.
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This flexible plan charges you based on how many kilometres you actually drive your Toyota annually. You can select a yearly driving limit between 2,500 to 10,500 kilometres and get an extra 125-kilometre grace buffer included. Unused kilometres roll over to the next period and you can add more anytime if needed. Perfect for occasional drivers and work-from-home Toyota owners.
This essential plan is legally required for every Toyota owner and costs the least money. It covers damages you cause to other people's cars and any injuries to third parties during accidents. We provide convenient 1 to 3-year policy options for new Toyota buyers. You pay the premium just once upfront and stay protected for up to 3 years without any renewal.
This standalone policy works if you already have basic third-party coverage for your Toyota. It only protects your own Toyota from damage, not other vehicles involved. We offer flexible coverage periods ranging from just 1 month up to a full 1 year duration. Choose short-term protection during the monsoon season or long-term coverage for complete annual protection as per your specific requirements.
Here are the main features and benefits you get with our Toyota car insurance plans. This table shows pricing, coverage details and services to help you understand what's included in your policy.
Note: Please refer to the official policy documents for detailed information.
Inclusions
Accidents and Collisions: Toyota insurance covers repair costs when your car gets damaged in accidents or collisions with vehicles.
Third Party Damages: Insurance pays medical bills and repair costs when you accidentally harm someone else's car or property.
Natural/Man-made Disasters: Your Toyota is protected from floods, earthquakes, riots, strikes, vandalism and terrorist attacks that cause damage.
Fire or Explosion: Complete coverage provided if your Toyota car catches fire or suffers damage from any explosion.
Theft: You receive full compensation based on the current market value if your Toyota car is completely stolen.
Animal/Rodent Damage: Insurance covers repair costs when wild animals, rats or other creatures cause damage to your Toyota.
Exclusions
Wear and Tear: Normal ageing damage like worn tires, faded paint or minor scratches from daily use isn't covered.
Depreciation: Natural value loss of your Toyota due to ageing isn't covered unless a zero depreciation add-on is purchased.
Law Violations: No coverage for accidents during drunk driving, unlicensed driving or while doing any illegal activities.
Accessory Coverages: Aftermarket accessories, such as sound systems or car modifications, aren't covered without purchasing specific additional coverage.
Outside Coverage Zone: Accidents or damages occurring outside India aren't covered unless you purchase a separate international coverage add-on.
Note: Please refer to the official policy documents for detailed inclusions and exclusions.
Basic car insurance might not cover all the needs of your Toyota. These special add-on covers give you extra protection for different driving situations and help keep your Toyota safe.
Nil Depreciation
Your Toyota parts are replaced at the full new price, without any deductions for age or usage. This zero depreciation car insurance addon helps you save a significant amount of money on expensive genuine Toyota parts during accident repairs.
Pay As You Drive
Your insurance cost depends on how many kilometres you actually drive per year, from 2,500 to 10,500 km*. Pay as you drive insurance is Ideal for individuals who use their Toyota occasionally or drive short distances regularly.
Return to Invoice
If your Toyota is stolen or damaged beyond repair, you'll get back the full amount you originally paid. This covers the complete showroom price, including all taxes and extra accessories purchased.
Engine & Gearbox Protection
Protects your Toyota's engine and gear system from water damage, mechanical breakdowns or accident-related problems completely. This saves you from paying huge repair bills for these most expensive car parts.
Car Tyre Protection Cover
Pays for fixing or replacing your Toyota tyres when they get punctured or damaged from road problems like nails and stones. Tyre protection cover is very helpful when driving on rough roads with sharp objects.
Key & Lock Replacement
Key replacement insurance covers costs when you lose your Toyota keys or they get stolen or badly damaged during daily use. Also includes programming new smart keys and fixing door locks that stop working properly.
Consumable Expenses
Consumables in car insurance pays back money spent on engine oil, filters, small nuts and bolts during Toyota repairs after accidents. Although these small parts cost extra money, they are necessary to fix your car completely and safely.
RIM Protection
Protects your Toyota's wheel rims from getting damaged by hitting road edges or deep potholes while driving. Regular insurance doesn't cover rim damage, so this addon saves you from expensive wheel replacement costs.
Roadside Assistance
Provides 24-hour emergency assistance anywhere in India for car issues such as flat batteries, empty fuel, or tyre punctures. Includes free towing service when your Toyota breaks down on the highway.
Personal Belongings
Covers your valuable personal items if they get stolen from your locked Toyota car worth more than ₹5,000* in total value. Protects things like laptops, phones, bags and important documents you keep inside safely.
Daily Allowance Benefit
Provides you with daily cash for taxis or buses when your Toyota repair takes more than three days to complete. Helps you travel to work and other places while your car stays in the garage workshop.
EMI Protection Cover
Pays your monthly car loan instalment amount when Toyota repairs take more than 21, 42, or 63 days* to complete. This prevents you from paying loan money when you cannot use your damaged car.
No Claim Bonus (NCB) Retention Cover
No claim bonus in car insurance keeps your insurance discount percentage safe even if you make one claim during the policy period. A smart option for good drivers looking to retain their no-claim bonus for future years.
Electrical Accessories Cover
This policy protects extra electrical items you added to your Toyota, like music systems, navigation devices, cameras and parking sensors from theft or damage. Covers the expensive electronic accessories you installed after buying the car.
Non-Electrical Accessories Cover
Protects non-electric additions like special seat covers, floor mats, roof carriers and decorative items in your Toyota car. Covers the money you spent on making your car look better and more comfortable.
EV Battery Protection
Covers Toyota EV battery damage from crashes, water, power issues or hits. Protects against huge repair costs. Battery replacement can cost thousands of rupees without this important coverage for your car.
Electric Motor Protect
Covers Toyota electric motor repairs from water damage, electrical problems, heat damage or crashes. Saves you from paying big repair bills for motor parts that help your car run properly.
EV Charger Cover
Protects Toyota chargers from fire, theft, animal damage or power problems that can break your charging. Keep your chargers working so you can always charge your Toyota car easily.
Geo Extension Cover
Extends your Toyota insurance policy coverage to work in six nearby countries, like Nepal, Bhutan and Sri Lanka, too, during travel. Ideal for individuals who wish to drive their Toyota across international borders.
Note: The list of add-ons provided under your plan and the coverage limits provided under each add-on are subject to change based on your chosen policy. Find here the full list of add-ons with the most up-to-date coverage limits.
Buy Car Insurance
Go to the top of the page and select the "Buy" option for a new policy purchase.
Enter car details and contact information, then click "View Prices" for quotes.
Select the preferred IDV value and choose a comprehensive or third-party insurance coverage type.
Add relevant protection add-ons for Toyota vehicles and click the "Buy Now" button.
Complete identity verification, review the final premium amount and process secure online payment.
Car Insurance Renewal
Visit the calculator above and select the "Renew" tab to begin the renewal process.
Enter your registered mobile number or existing policy number, then click "Get Policy".
Provide the Toyota car registration number and other required vehicle details for verification.
Modify your current insurance plan coverage and add-ons to meet your needs.
Review the updated premium amount and complete a secure online payment for policy renewal.
Understanding what affects your Toyota car insurance costs helps you make better decisions and save money. Several key factors work together to determine your final premium amount, from your car's value to your driving record.
IDV stands for Insured Declared Value, which is your car's current market value today. When your Toyota has a higher IDV, you pay a higher premium because replacing it costs the insurance company more money. Newer Toyota models naturally have higher IDV values compared to older ones due to normal wear and depreciation over time.
Different Toyota models have different insurance costs based on their features, repair expenses and replacement part prices. Luxury Toyota models, such as the Velfire, cost more to insure than basic models like the Rapid due to their more expensive parts. Engine size, safety features and how often the model gets stolen also affect your premium rates significantly.
Comprehensive insurance costs more than basic third-party coverage, but it provides complete protection for your Toyota against all types of damage. Third-party insurance only covers other people's losses when you cause accidents, while comprehensive coverage also fixes your car. Choosing comprehensive coverage means higher premiums but much better protection for your valuable Toyota investment.
Extra protection options like zero depreciation cover, engine protection and roadside assistance increase the total premium amount you pay annually. These car insurance add-ons provide valuable benefits during emergencies and claims, making repairs cheaper and more convenient for you. While adding more covers increases costs, they offer better overall protection for Toyota owners.
Your past insurance claims directly influence how much to charge you for future Toyota car insurance policies and coverage. Making frequent claims makes insurers think you're risky, so they charge higher premiums to protect themselves from losses. Maintaining a clean record with no claims earns you bonus discounts that reduce premiums significantly over several years.
Adding approved security systems like alarms, immobilisers, and GPS tracking devices to your Toyota can reduce insurance premium costs noticeably. These devices make your car harder to steal, so insurance companies offer discounts because they face lower theft risks. Factory-installed security systems usually get better discounts than aftermarket devices, providing consistent savings throughout your policy period.
Calculating Toyota insurance premiums helps you budget properly and find the best policy rates. Our calculator gives quick quotes based on your car details and coverage preferences.
Scroll Up
Navigate to our premium calculator tool above.
Enter Details
Provide your Toyota car registration number, model information and required personal policy details.
Check Your Premium
Receive instant premium quotes for your Toyota insurance policy with various coverage choices.
Step 1: Inform Us
Report your accident immediately within twenty-four hours through our mobile app.
Step 2: Claim Verification
Take your Toyota to any approved network garage for professional damage assessment.
Step 3: Self-Inspection
Use the Reliance Self-i mobile app video feature or upload clear photos showing damage.
Step 4: Claim Approval
Our team reviews documents and approves claims within seven working days.
Step 5: Bill Settlement
We pay the garage directly after repairs. You pay only your deductible amount.
Step 1: Initiate the Claim
Report damage or theft incident within twenty-four hours of the incident occurring.
Step 2: Visit the Garage
Choose any garage for Toyota repairs and collect all original payment receipts.
Step 3: Register Claim
Complete our claim form and upload it with all supporting documents.
Step 4: Upload Documents
Submit policy copy, registration certificate, driving license and repair bills for verification.
Step 5: Money Transfer
Receive the approved claim amount directly transferred into your registered bank account safely.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Toyota offers a diverse lineup of vehicles to suit every budget and need. From affordable hatchbacks like Glanza to premium SUVs like Land Cruiser, find your perfect Toyota match with various fuel and transmission options available.
Note: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
Car insurance is mandatory by law in India, and driving without it can cost you dearly. Traffic police can fine you ₹2,000 to ₹4,000, and you might even face up to 3 months imprisonment, making proper insurance protection crucial for every driver's financial security.
Our Toyota car insurance protects you from these risks starting at just ₹238* per month. We've built our reputation on reliability,so you can drive with confidence. With over 11,000 network garages*, you can always get help from a professional when you need it.
What makes us different is our customer-first approach. We offer 24/7 support* through calls and WhatsApp, plus our innovative video claims feature lets you file claims directly from your phone. You can save up to 90% on premiums* and choose flexible coverage periods from 1 month to 3 years based on your needs.
Our comprehensive plans protect every part of your Toyota - from the powerful engine and advanced safety features to premium interiors and smart technology. We even offer specialised EV add-ons* for hybrid models. Don't risk legal penalties and financial losses. Secure your Toyota with India's most trusted car insurance today.
What documents are required to file a Toyota insurance claim?
Filing a Toyota insurance claim requires specific documents that prove your identity, ownership and incident details. You need your insurance policy copy, car registration certificate, a valid driving license and FIR copy for theft or major accidents. Additionally, provide original repair bills, photographs of damage and surveyor reports.
Which insurance is best for Toyota?
Toyota owners can choose from four insurance types: basic third-party, own damage, Pay As You Drive and comprehensive coverage. While third-party meets legal requirements and own damage protects only your vehicle, comprehensive insurance stands as the optimal choice. This comprehensive protection package combines third-party liability with own damage coverage, plus protection against theft, natural disasters, and fire, creating a safety net that shields Toyota owners from all financial risks in one policy.
Does Toyota insurance cover accessories like music systems and seat covers?
Standard Toyota insurance doesn't automatically cover aftermarket accessories, but you can add specific coverage through electrical and non-electrical accessory add-ons. Electrical accessories like music systems, GPS devices and cameras require electrical accessory cover, while seat covers, floor mats and roof carriers need non-electrical accessory protection. Consider these add-ons as extended warranties - they cost extra but protect your investments beyond basic coverage.
How much can I save with No Claim Bonus on Toyota insurance?
No Claim Bonus rewards claim-free driving with premium discounts up to 50%* over consecutive years without claims. The discount starts at 20%* after one claim-free year, increasing annually until reaching the maximum. For example, if your premium is ₹10,000, you could eventually save ₹5,000* annually.
Note: These discount percentages are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.
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Disclaimer: *T&C apply. For more details on risk factors, terms and 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 excludes taxes for the private car model Maruti Suzuki Alto 800 with a 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 the Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under the 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.
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