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Manish Sinha
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14 years of vast experience in General Insurance Industry and Motor Underwriting, Digital Underwriting, Underwriting IT, Insurance Motor Products & development.
If you own a Toyota Innova, one of their best collections, securing comprehensive Toyota Innova car insurance is important to protect its exceptional value and enhance your driving experience.
Reliance General Insurance offers Toyota Innova car insurance with diverse plan options, enhanced coverage features and a wide range of optional add-ons, all at an affordable premium.
Here is all you need to know about the coverage and how you can buy car insurance for your Toyota Innova.
100%
Claims Settlement*
11,000+
Network Garages*
5 Crore+
Happy Customers*
₹238/month
Starting premiums*
Step 1: Visit our official Car Insurance Online page to buy a car or Toyota Innova insurance.
Step 2: Enter details of your Toyota Innova’s registration number, contact mobile number and Email ID and Click on ‘View Prices’.
Step 3: Verify the details of your Toyota Innova car and choose a suitable car insurance plan option with adequate IDV and optional add-ons.
Step 4: Compare the different options based on the premium quote displayed and decide on the best Toyota Innova car insurance policy.
Step 5: Click on ‘Buy Now’ and pay the applicable premium using any of the suitable payment methods and we will send the e-copy of your car insurance policy to the registered Email ID.
Step 1: Using the Branch Locator, find the nearest Reliance General Insurance branch.
Step 2: Connect with our representatives and provide details of your Toyota Innova car.
Step 3: They will detail to you the different Toyota Innova insurance plan options, optional add-ons and discounts.
Step 4: Compare and choose a suitable policy and fill out the application form.
Step 5: Pay the applicable premium charges, and you will get your Toyota Innova car insurance almost instantly.
Step 1: Visit our official Car Insurance Online page to start your Toyota Innova car insurance renewal online.
Step 2: Select the ‘Renew Car Insurance’ option under the ‘Renewal’ tab.
Step 3: Provide details of your Toyota Innova car insurance policy number, car’s registration number, chassis number or engine number and click on ‘Go’.
Step 4: Verify details of your current car insurance policy and modify it, if required, by selecting the various optional add-ons available.
Step 5: Pay the applicable fee for your Toyota Innova car insurance renewal in India, and we will send you the e-copy of your car insurance to your registered Email ID address. You can download your Toyota Innova yearly insurance from our website.
Step 1: Check the vehicle’s condition by inspecting the different components to understand the extent of coverage required.
Step 2: Account for the depreciation value and determine the Insured Declared Value (IDV) for your second-hand car.
Step 3: Collect all the essential documents, such as the registration certificate and get it transferred under your name.
Step 4: Proceed to purchase Car Insurance Online by comparing the different plan options and the applicable Innova insurance cost. Based on the details provided, we may also inspect the vehicle conditions to decide on suitable coverage and plan options.
Step 5: Pay the applicable Toyota Innova car insurance premium using any of the convenient digital payment methods and we will send you the e-copy of your car insurance to your registered Email ID.
Also Read: How to Transfer Car Insurance while Buying A Second-Hand Car
According to the Indian Motor Vehicles Act 1988, purchasing a third-party Toyota Innova insurance that covers third-party liabilities is mandatory.
With a comprehensive Toyota Innova car insurance policy, you can get your car covered against a wide range of potential risks, including accidents, natural disasters, man-made calamities, thefts and more.
Car insurance for Toyota Innova also provides financial protection against accidental injuries, disabilities or even death for the owner-driver.
At Reliance General Insurance, we offer various Toyota Innova insurance plan options at an affordable rate, starting at just ₹238/month*.
We also offer discounts on premiums for online purchases, installation of anti-theft devices, voluntary deductibles and more.
We help you handle legal and financial third-party liabilities incurred due to your insured Toyota Innova car, including third-party property damages, injuries and even death.
Our comprehensive Toyota Innova insurance policy offers extensive coverage to protect your car against various risks such as accidental damages, natural and man-made calamities, theft and also provides personal accident cover of up to ₹15 lakhs for the owner-driver.
To ensure you get the best insurance for Toyota Innova cars, we also help you customise your Toyota Innova insurance plan based on your specific requirements by offering a wide range of over 18 optional add-ons, such as Nil Depreciation, Engine Protection, Consumable Expenses, Roadside Assistance, and more.
If you don’t travel much in your Toyota Innova, with our Pay-As-You-Drive cover, you can actually pay only for the distance you actually drive. It saves a lot of money while also ensuring comprehensive car insurance coverage.
Our network of over 11,000+ garages is established across different parts of the country for cashless repairs.
With a simple three-step claim process, you can initiate your cashless or reimbursement claim and secure the benefits of Toyota Innova car insurance.
We achieved a 100% claim settlement ratio for FY 2023-24, demonstrating our commitment to fair claims resolution.
We are also committed to offering dedicated customer service 24/7 to address your queries related to your insurance for Innova.
Types of Toyota Innova Insurance Plans
Coverage
Third-Party Car Insurance
With our third-party car insurance plan, you can cover third-party liabilities caused by your insured Toyota Innova car.
It covers legal and financial implications related to third-party property damages, injuries, disabilities and even death.
Own-Damage Car Insurance
Own-Damage car insurance offers financial coverage exclusively for your Toyota Innova car against a wide range of potential risks, such as theft, natural disasters, man-made calamities, fire and more.
Comprehensive Car Insurance
A comprehensive car insurance policy offers extensive coverage that includes third-party liabilities and own damages.
In addition, you can enhance the coverage using our diverse array of optional add-ons.
Pay As You Drive
This is a usage-based insurance plan that allows you to save up to 90% on premiums. Here, you pay for the number of kilometres you opt to drive rather than a flat rate. So if you drive less, you pay less!
Toyota Innova Insurance Coverage - Inclusions
Details
Third-party Liabilities
Third-party injuries, death and property damages
Accident
Damages caused by accidents and collisions
Fire
Damages due to explosion, self-ignition or lightning
Theft
Coverage for total loss based on IDV
Natural Calamities
Damages due to floods, typhoons, earthquakes, hailstorms, etc.
Man-made Calamities
Damages due to riots, terrorism, etc.
Animal Attacks
Damages caused due to animal attacks, such as rat bites
In-Transit
Damages caused during transportation via road, rail, air or waterways
Personal Accident Cover
Compensation of up to ₹15 lakhs for the owner-driver against accidental injuries, disabilities or death.
Toyota Innova Insurance Coverage - Exclusions
Geographical Limits
Driving outside the limits specified in the policy
Pre-Existing damages
Damages that existed before the purchase of the car insurance policy
War
Damages caused due to wars, such as civil wars, nuclear wars, etc
Regular Wear and Tear
Usual degradation of the vehicle and ageing of parts
Electrical
Damages caused by electrical components may not be covered
Depreciation
Decrease in the value of car or car components
Breakdown
Damages resulting from an electrical or mechanical breakdown
Illegal Driving
Driving illegally, such as in races or restricted areas and also under the influence of intoxicating substances such as alcohol and drugs.
Driver’s Negligence
Accidents caused due to driver’s negligence
Driving without Valid Documents
Accidents found driving without valid documents, such as a driving licence.
Toyota Innova Insurance Add-On Covers.
Add-ons are optional coverage features that enhance your benefits under the Toyota Innova Insurance Policy based on specific circumstances. For example, if you are an occasional traveller, you may need coverage for only the extent of distance you travel in a year.
With our Pay-As-You-Drive add-on, you can pay for the insurance protection only for the distance you travel. It is cost-effective and ensures the essential protection.
On the other hand, if you are a frequent traveller, especially long distance, you may need our Roadside Assistance add-on in case of unprecedented scenarios such as an accident, flat tyre, etc., that can relieve you from the challenging situation while also reducing the burden of repair expenses.
At Reliance General Insurance, we offer a diverse array of optional add-ons to enhance Toyota Innova Insurance coverage, as listed below:
Pay-As-You-Drive Car Insurance: This add-on adjusts your premiums based on the distance you’ve driven within a set timeframe.
Nil Depreciation or Bumper-to-Bumper Insurance: Includes the depreciation of car parts during claims settlement.
24x7 Roadside Assistance: Offers on-road assistance like towing services, fuel delivery, on-site repairs, etc., in case your car breaks down.
Engine Protection Cover: Cover the cost of repairs and replacement of the car’s engine and its parts.
Return-to-Invoice Cover: Reimburses the invoice amount of your car in the event of total loss.
Consumables Expenses: Cover the cost of consumables that need to be replaced (nuts, water, bolts, screws, grease, oil, etc) after an accident.
EMI Protection Cover: Cover EMI loans if your car repair period exceeds 21 days.
NCB Retention Cover: Protects your NCB discount and allows you to make up to two claims.
Total Cover: Reimburses the on-road price of your car, along with road tax, premiums paid and registration charges in case of total loss.
Daily Allowance Benefit: Offers a fixed daily allowance for alternative transport for a specific number of days while your car is getting repaired.
RIM Protection: Cover damage or loss incurred towards the car's rims.
Tyre Protection Cover: Includes coverage for repair and replacement of car tyres in case of accidental damage or wear and tear.
Loss of Personal Belongings: Cover the cost of lost/stolen personal belongings like laptops, phones, etc., up to a specific amount.
Geo Extension: Extends your car Toyota Innova car insurance coverage to other countries if you drive outside of India’s geographical borders.
Non-Electrical Accessories: Covers damage toward non-electrical upgrades like seat covers, alloy wheels, etc.
Emergency Hotel Accommodation: This covers hotel accommodations in case of vehicular breakdowns that happen 200km away from your residence.
Key Replacement Cover: Covers the cost for the replacement of stolen/lost keys and also covers lock replacement if required.
Electrical Accessories: This covers loss/damage to electrical upgrades like navigation units or audio systems.
Reliance General Insurance also offers EV-specific add-ons like electric vehicle battery protection, electric motor protection and electric vehicle charger cover.
Toyota Innova Car Insurance Claim Process.
Step 1: Notify us about the incident within 24 hours by calling us on our paid helpline number - +91 22 48903009 or logging into our Reliance Self-i App. We will respond within 48 hours to the survey.
Step 2: Collect evidence, file the FIR (if applicable), and take the car to a network garage for repair.
Step 3: Our surveyor will inspect the damages. Provide the duly filled and signed claim form and supporting documents to the surveyor.
Step 4: The garage will provide details of the repair estimates to us and we will approve the claim amount to start the repair work.
Step 5: Upon completion, the garage will send the bills to us and we will settle them directly.
Step 1: Notify us about the incident within 24 hours using any of the above-discussed methods. We will respond within 48 hours to confirm the repairs and the claim amount.
Step 2: Take your Toyota Innova to any garage of your choice.
Step 3: Settle the bills for the repairs with the garage out of your pocket.
Step 4: Submit the claim form and supporting documents, including the repair bills and payment receipts.
Step 5: We will compensate for the expenses by reimbursing the applicable amount after evaluating the documents.
After initiating the Toyota Innova insurance claim, you can also check the status online by providing the policy or claim number online.
Please Note: Payments for repairs on uninsured parts, depreciation and deductibles, unless included by an optional add-on, will not be covered under the claim.
Documents for Toyota Innova Insurance Claim.
The documents required for a Toyota Innova car insurance claim can differ based on the specific circumstances. Therefore, it is important to check with us the requirements at the time of initiation.
Some of the most important documents required are:
Duly filled Claim Form
Toyota Innova Insurance Policy
Copy of Registration Certificate
First Information Report (FIR) if applicable
Proof of identity
Proof of residence
Tax Receipts
Copy of Driving Licence
Repair estimates
Repair bills
Payment receipts
Hospital bills and Medical Reports in case of Personal Accident Cover
Check the car insurance claim documents for the complete list of requirements.
Factors to Consider
Cashless Claims
Reimbursement Claims
Garage
You can choose from our network of over 10,000 garages across India
You can choose any authorised garage.
Method of compensation
We will settle the repair costs directly with the garage for cashless car insurance for your Toyota Innova.
You need to pay for the repair expenses out of your pocket first and we reimburse them later when you submit the bills and receipts to us.
Documentation and Ease of Claim Process
Documentation and claims process is simple and convenient.
A Toyota Innova insurance reimbursement Involves more steps and requires detailed documentation.
The premium for a third-party car insurance plan is decided by the Insurance Regulatory and Development Authority of India (IRDAI) based on your car’s engine cubic capacity.
The premium for your own damage or comprehensive Toyota Innova car insurance plan differs based on several factors.
Here, we will discuss some of the most important factors.
The IDV in insurance is the current market value of your Toyota Innova car, less the applicable depreciation. It is the maximum compensation you can receive in case of total loss. You can decide this value at the time of policy inception. The higher the IDV, the higher the premium.
Car specifications, including the age, make and model, fuel, and any other additional accessories installed, can affect the Toyota Innova insurance policy premium.
Although add-ons enhance the coverage of your car insurance policy, they also increase the premium corresponding to the type and extent of coverage.
Other factors, such as your location, driving history, usage, voluntary deductibles and No Claim Bonus can also significantly impact your premium rate.
At Reliance General Insurance, we offer a simple and user-friendly Car Insurance Calculator online online to help you determine the premium for your Toyota Innova car.
It takes the following details to provide the most accurate Toyota Innova car insurance rates:
Registration Number, Mobile Number and Email Address
Choice of plan option, add-ons and additional covers required and discounts applicable
As you provide your Toyota car’s registration number, the system automatically retrieves the information applicable to your car and suggests possible plan options with the calculated premium.
The IRDAI declares the premium for third-party car insurance plans based on the vehicle’s engine cubic capacity annually. It is higher for vehicles with a higher cubic capacity.
The current premium rates for standard and electric cars are as detailed below:
Engine Cubic Capacity
Annual Premium ( ₹)
Less than 1000 cc
2,094
Between 1000 cc and 1500 cc
3,416
Above 1500 cc
7,897
Battery Capacity
Annual Premium (₹)
Less than 30 kW
1,780
Between 30 kW and 65 kW
2,904
Above 65 kW
6,712
Toyota Motor Corporation, headquartered in Toyota, Japan, is a Japanese automotive manufacturer founded by Kiichiro Toyoda in 1937. It is the world's market leader in the sales of hybrid electric vehicles, and one of the largest companies that encourage the mass-market adoption of hybrid vehicles across the globe.
Toyota Innova Crysta and HyCross are the most popular and versatile models, striking the right balance between performance and style. They are exceptional for the following reasons:
Distinct design with the bold chrome surround piano black grille
Powerful GD Diesel Engine
Pitch and bounce control for improved suspension
Vehicle Stability Control and Anti-Lock Braking System
Elegant wood finish interiors and plush leather seats
Advanced connectivity features like Real Time Vehicle Tracking, Geo-Fencing, and Walk-to-Car
Elevated design with the mass front grille and raised bonnet.
Most advanced 5th Generation Self-Charging Hybrid Electric Technology
Performance powered by TNGA (Toyota’s New Global Architecture) Petrol Engine with E-drive Transmission.
Option of gasoline powertrain for economical drive
Exceptional comfort and connected features
Dynamic Radar Cruise Control and First-in-Segment Rear Cross Traffic Alert (RCTA) for safety
Toyota Innova Car Models
Ex-Showroom Price in Delhi (₹)*
Toyota Innova Crysta (Diesel)
GX (7S)
19,99,000
GX (8S)
GX FLT (7S)
GX FLT (8S)
GX + (7S)
21,39,000
GX + (8S)
21,44,000
VX (7S)
24,89,000
VX (8S)
24,94,000
ZX (7S)
26,55,000
Toyota Innova HyCross (Petrol)
G-FLT (7S)
18,92,000
G-FLT (8S)
18,97,000
19,77,000
19,82,000
GX (O) (8S)
20,99,000
GX (O) (7S)
21,13,000
Toyota Innova HyCross (Hybrid)
25,97,000
26,02,000
VX (O) (7S)
27,94,000
VX (O) (8S)
27,99,000
ZX
30,34,000
ZX (O)
30,98,000
*Prices are indicative, may vary between cities and are subject to change.
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Toyota Innova HyCross
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The Toyota Innova falls under the category of Multi-Utility Vehicle (MUV). It offers the right balance between performance, comfort and versatility to suit personal and commercial purposes.
At Reliance General Insurance, we offer discounts for online purchases of up to 10% and other additional discounts for installing anti-theft devices, voluntary deductibles and having an Automobile Association Membership.
The premium for your Toyota Innova car insurance can be reduced by installing anti-theft devices, opting for higher voluntary deductibles, maintaining a clean driving record and accumulating no claim bonus, and opting only for the necessary add-ons.
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.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
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.
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.
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