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Toyota Innova Crysta Insurance

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Reviewed by  Nikita Mewadasuthar:

Nikita Mewadasuthar

Senior Manager

Insurance professional with an experience in Motor Underwrting, Motor Insurance Product & Development.

Owning a Toyota Innova Crysta comes with the assurance of comfort, reliability and premium style.

Securing a tailored Innova Crysta insurance policy becomes essential to match its esteemed status. Specialised insurance coverage not only safeguards your investment against unforeseen events but also ensures compliance with legal requirements.

As you enjoy the journey in your feature-packed vehicle, having the right car insurance for Innova Crysta allows you to drive with peace of mind.

At Reliance General Insurance, we offer comprehensive protection for your car against unexpected events and help you stay covered both legally and financially with the following:

100%
Claims Settlement*

11,000+
Network Garages*

5 crore+
Happy Customers*

₹238/month
​Starting premiums*

How to Buy Innova Crysta Car Insurance - Online and Offline?

Steps to Buy Car Innova Crysta Insurance Online

  • Step 1: Visit the Reliance General Car insurance page to buy Innova Crysta car insurance online.
  • Step 2: Enter the registration number of your Innova Crysta.
  • Step 3: Enter your mobile number and email ID.
  • Step 4: Accept the ‘Terms and Conditions’ and click on ‘View Prices.’
  • Step 5: You will receive an insurance quote based on your car’s make and model.
  • Step 6: Check if it meets your requirements and budget.
  • Step 7: Select some add-on car insurance features to the plan.
  • Step 8: Complete the payment and enjoy the coverage.

Steps to Buy Innova Crysta Car Insurance Offline

  • Step 1: Visit the Reliance General Insurance branch near your city.
  • Step 2: You can use our Branch Locator to find the nearest branch.
  • Step 3: Find out about the available car insurance plans.
  • Step 4: Fill out and submit the required forms along with the necessary documents.
  • Step 5: Complete the payment using your preferred payment method.

Innova Crysta Car Insurance Renewal Online

  • Step 1: Open the Renewal tab on the Reliance General Insurance website and click on ‘Renew Car Insurance.’
  • Step 2: Enter your policy number and vehicle details.
  • Step 3: You may also use your mobile number to get your details.
  • Step 4: You may select some add-on features to enhance your coverage.
  • Step 5: Verify the details of the quote and complete the Innova Crysta insurance renewal online payment process.
  • Step 6: Enjoy your renewed coverage and drive around with peace of mind.

How to Buy a Second-Hand Innova Crysta Car Insurance?

When buying a car, whether a brand-new car or a second-hand one, it is important to get a car insurance policy. You can get an affordable Innova Crysta 1 year insurance price and enjoy freedom while driving.

Let us discuss how you can buy our Innova Crysta car insurance for your second-hand vehicle.

  • First, since it’s a second-hand car, it is necessary to inspect the vehicle before buying insurance.
  • We check the condition of the engine, and when we find it is okay, we proceed with the documentation for the motor insurance.
  • Next, you need to collect the necessary documents, including the following:
    • Forms 29 and 30, signed by the previous owner
    • Copy of the RC transfer
    • Driving licence
  • Start the motor insurance purchase process online on our Car Insurance page. Fill in the following details:
    • Personal information
    • Vehicle details
    • Car make and model
    • Vehicle registration number
  • Select the required policy type and any add-ons. Check the Innova Crysta yearly insurance price, then continue to the payment option to complete the purchase process.

Why Do You Need Innova Crysta Car Insurance?

  • Financial Security:  An Innova Crysta insurance policy safeguards against costs incurred from accidents, theft and natural disasters.
  • Continuous Protection:  Renewing your Innova Crysta yearly insurance ensures ongoing coverage and peace of mind.
  • Legal Compliance:  Holding an active motor insurance policy is mandatory by law for all vehicle owners.
  • Liability Coverage:  Four-wheeler insurance protects against claims from third parties in case of accidents causing injury or property damage.
  • Optimal Coverage Options:  Choosing the best insurance for Innova Crysta cars, like comprehensive plans, provides extensive benefits along with the option of add-ons like zero depreciation.
  • Reduced Out-of-Pocket Costs:  Comprehensive car insurance minimises personal financial losses during claims and makes it an essential investment for your
  • Affordable Innova Crysta Insurance Price:  We at Reliance General Insurance offer budget-friendly Innova Crysta insurance price per year to help car owners enjoy a stress-free on-road driving experience. 

Features and Benefits of Reliance Innova Crysta Car Insurance

At Reliance General Insurance, we offer specialised coverage at affordable Innova Crysta insurance prices through our comprehensive Innova Crysta insurance policy. This policy is designed to provide robust protection along with affordability and convenience. Our 4-wheeler insurance plans ensure that your vehicle remains safeguarded on every journey.

Here is a detailed look at the key features and benefits of Innova Crysta car insurance from Reliance:

Affordable Innova Crysta Insurance Price

The Innova Crysta car insurance plans start at competitive premiums, beginning at just ₹238 per month*. These plans are not only affordable but also provide coverage. The affordability of our plans makes them some of the best insurance options for Innova Crysta cars.

Comprehensive Coverage

The Innova Crysta vehicle insurance Reliance protects against a variety of risks, such as accidents, theft, natural disasters and man-made calamities. The insurance ensures that your vehicle is covered in a wide array of situations. This comprehensive approach is what makes it one of the best insurance for Innova Crysta cars.

Discounts on Premiums

With Reliance car insurance for Innova Crysta, customers can enjoy significant savings with up to 80% discounts on online purchases and up to 50% off with the No Claim Bonus. These discounts make it easier to maintain and renew your insurance within your budget.

Third-Party Liability

This coverage is essential as it protects you against the legal and financial consequences of causing damage or injury to a third party involved in an accident with your vehicle.

Personal Accident Cover

Personal accident cover is a standard inclusion in the policy. It provides up to ₹15 lakhs in the event of injury, permanent disability or death of the owner-driver and offers you peace of mind regarding personal safety.

Pay-As-You-Drive Insurance

Our Pay-As-You-Drive insurance option is tailored for occasional drivers or older cars. This policy option allows you to calculate your premiums based on the kilometres to be driven. It provides a budget-friendly solution.

Add-on Covers

At Reliance General Insurance, we offer over 10 add-on options, such as Roadside Assistance and Zero Depreciation cover, which enhance the protection of your Innova Crysta according to your specific needs.

Network Garages for Cashless Repair

With our car insurance plans, you will have access to over 10,000 authorised garages across India. The insurance facilitates cashless repairs and eventually simplifies the repair process after an accident.

High Claim Settlement Ratio

At Reliance General Insurance, we boast a 100% claim settlement ratio for the fiscal year 2023-24. This data underscores our reliability and commitment to promptly supporting our policyholders.

Efficient Claim Process

We also provide a streamlined and hassle-free claim process, which is equipped with real-time tracking and minimal documentation. It all ensures quick resolution and less downtime for your vehicle.

24/7 Customer Support

Reliance General Insurance is known for offering round-the-clock support to handle emergencies and answer any policy-related queries. Our prompt service ensures that you have assistance whenever needed.

Opting for Reliance Toyota Innova Crysta Insurance means choosing a policy that combines affordability with comprehensive coverage and excellent customer service. Our reliable policy coverage and prompt services make us a top choice for Innova Crysta owners looking for dependable vehicle insurance. 

Types of Innova Crysta Car Insurance Plans

Types of Innova Crysta Car Insurance Plan

What to Expect

Innova Crysta Third-Party Car Insurance

This plan covers damages to third-party property and injuries, ensures legal compliance and offers basic financial protection.

Innova Crysta Own Damage Car Insurance

Our Own Damage car insurance protects against damages to your own Innova Crysta due to accidents, theft, and natural disasters. However, it does not cover third-party losses.

Innova Crysta Comprehensive Car Insurance

Our comprehensive car insurance plan offers extensive protection, combining third-party liability and own damage cover, along with additional benefits for complete protection.

Innova Crysta Pay as your Drive Insurance

Our Pay As You Drive Insurance cover can be paired with our Toyota Innova Crysta Insurance plans, offering up to 90% savings on premiums.

Here, you pay for the distance driven rather than a flat annual rate, making this insurance type perfect for occasional drivers.

Innova Crysta Insurance Coverage: Inclusions and Exclusions

Innova Crysta Insurance Policy Inclusions

  • ​Covers third-party vehicle or property damages
  • Damage to your own car due to:
    • Fire
    • Explosion
    • Lightning
    • Self-ignition
  • Burglary, housebreaking, or theft
  • Accident or terrorist activity
  • Damage during transit
  • Total damage due to accident or theft
  • Natural calamities
    • Floods
    • Typhoons
    • Hurricanes
    • Storms
    • Earthquakes
    • Cyclones
    • Frost
    • Hailstorms
  • Personal Accident Cover for the Owner-Driver
    • Injuries
    • Permanent disability
    • Death
  • Add-on cover like Nil Depreciation, Roadside Assistance

Innova Crysta Insurance Policy Exclusions

  • Damage outside the geographical coverage area
  • The vehicle used for purposes not specified in the policy
  • Damage caused because of driving under the influence of alcohol or other substance
  • Driver without a valid licence at the time of the incident
  • Wear and tear due to regular use
  • Damage due to war, invasion, or nuclear risks
  • Accidents caused by the driver's negligence
  • Contractual liability claims

Innova Crysta Insurance Add-On Covers

Pay-As-You-Drive Car Insurance:  

This add-on feature adjusts premiums based on the distance driven, which makes it ideal for drivers who use their vehicles infrequently.

Nil Depreciation (Bumper-to-Bumper Insurance):  

This popular Innova Crysta insurance feature ensures full coverage for part replacements without factoring in depreciation. It offers complete cost compensation.

24x7 Roadside Assistance:  

This Innova Crysta car insurance add-on provides continuous support for any vehicle breakdowns or emergencies anytime and anywhere.

Engine Protection Cover:  

The engine protection safeguards against the high costs associated with engine repairs due to damage or malfunction.

Return-to-Invoice Cover:  

This cover compensates you for the original purchase price of your car in the event of total loss or theft.

Total Loss Cover: 

   The total loss cover offers comprehensive on-road price compensation for severe damage or complete loss of the vehicle.

EMI Protection Cover:  

The EMI protection cover takes care of your car loan EMIs during extended periods of repair.

NCB Retention Cover:  

It allows you to retain your No Claim Bonus discounts even after filing a claim.

Daily Allowance Benefit:  

This benefit provides a daily allowance to cover the cost of alternative transportation while your car is being repaired.

Key Replacement Cover:  

The key replacement add-on feature reimburses the expenses incurred in replacing lost or stolen car keys and locks.

RIM Protection:  

RIM protection covers the costs of repairing or replacing damaged rims.

Tyre Protection Cover:  

This covers the cost of repair or replacement of damaged tyres.

Consumables Expenses: 

   This feature covers the costs of consumables like oil, nuts and bolts needed after an accident.

Loss of Personal Belongings:  

This Innova Crysta insurance add-on offers compensation for personal items that are stolen from the vehicle.

Geo Extension:  

This add-on feature extends your insurance coverage to additional countries. It is useful for international car travel.

Electrical Accessories Cover: 

   This add-on feature protects against damage or theft of custom-installed electrical accessories.

Non-Electrical Accessories Cover:  

This feature ensures non-electrical modifications to your vehicle against damage or theft.

Emergency Hotel Accommodation:  

It provides reimbursement for hotel expenses if you are stranded far from home due to a vehicle breakdown.

For electric vehicle owners, Reliance General car insurance also includes EV-specific add-ons such as battery protection and charger cover to cater to the unique needs of electric cars.

Innova Crysta Car Insurance Claim Process

What's the claim process for Innova Crysta insurance? Here is a step-by-step guide on the Innova Crysta car insurance claim process:

Innova Crysta Insurance Claim: Cashless Claim

  1. If you meet with an accident, you must start with the Innova Crysta car insurance claim process within 24 hours. You may contact us in the following ways:
    1. Call us at our paid helpline number +91 22 48903009
    2. Login to your Reliance Self-i App
    3. Visit our Car Insurance Claim page.
  2. Drive or tow your car to a network garage for cashless repair.
  3. Fill out the claim form and submit it with the required documents to the surveyor for your vehicle inspection.
  4. We at Reliance General Insurance conduct a quick survey for cashless car insurance for Innova Crysta claim processing (generally within 48 hours of claim initiation.)
  5. We approve or deny the claim based on the liabilities.
  6. Once approved, you can access cashless repair at our authorised network garage.
  7. For Innova Crysta cashless insurance, we settle the claim directly with the network garage after the repair work is complete.

Please note: Your insurance will not cover any uninsured parts, depreciation or deductibles.

Innova Crysta Insurance Claim: Reimbursement Claim

In the reimbursement claim process, you will need to settle the bills for your car repair with the garage and then get the bills reimbursed from us. Here is what you need to do for Innova Crysta insurance reimbursement.

  • If your car meets with an accident, you can initiate the claim process in the same way as cashless claims.
  • Collect evidence of the incident, like photographs of damages.
  • Take your car to a garage for repair.
  • Get the repair work done and settle the bill by yourself.
  • Collect the receipt from the garage. You will need it while filing the claim.
  • Fill out the claim form and submit all the required documents.
  • Check the Innova Crysta insurance claim status online using your claim number or policy number.

Documents for Innova Crysta Insurance Claim

  • Car insurance policy number
  • The contact number of the policyholder
  • Name of the insured
  • Car make and model
  • Copy of the car registration certificate
  • Date and time of the accident
  • Location of the accident
  • The extent of damage to the car
  • Contact details and name of the person filing the claim (if different from the insured)
  • Copy of the driving licence
  • Copy of FIR (It is for third-party liability claim in case of theft)
  • Signed Forms 28, 29 and 30 (for admission of liability)
  • No Objection Certificate (NOC) from the financer

Also, refer to the list of car insurance claim documents.

Innova Crysta Insurance Claim: Ca​shless vs Reimbursement

Feature

Cashless Claim

Reimbursement Claim

What it is

The insurer directly settles the repair bill with the network garage.

The insured pays the repair bills and later gets reimbursed by the insurer.

Garage Options

Applicable only at insurer-approved network garages.

Repair can be done at any garage of your choice.

Payment Process

The insurer pays the garage directly, the insured only pays for non-covered expenses.

The insured pays the full bill upfront and files for reimbursement later.

Claim Settlement Time

Faster claim settlement due to direct payment to the garage.

Reimbursement takes longer, as claim documents take time to process.

Documentation

Minimal documentation is required at the garage.

It requires submission of detailed bills and receipts for processing.

Convenience

More convenient with no upfront payment required.

Less convenient, as the insured bears the initial cost.

What Decides the Innova Crysta Car Insurance Premium?​

Several factors influence the premium for the insurance of Innova Crysta, and each one of them plays an important role in determining the cost.

Understanding these factors can help you navigate the process of Innova Crysta car insurance renewal online or offline. It ensures you receive the best possible  terms for your coverage.

The premium for third-party car insurance is set by the Insurance Regulatory and Development Authority (IRDA), which annually updates the rates according to the engine's cubic capacity. The larger the engine's cubic capacity, the higher the insurance premium.

Age and Condition of the vehicle

Older vehicles might attract higher premiums due to the increased risk of breakdowns and higher maintenance costs.

Car Make and Model

The specific model and make of the Innova Crysta vehicle significantly impact the premium. Luxury cars or vehicles with a higher market value generally have higher premiums due to their expensive parts and repair costs.

Insurance Coverage Type

The extent of coverage you choose also impacts affects your premium. Comprehensive Innova Crysta insurance coverage protects against a wide array of risks, such as theft, accidents, natural disasters and third-party liabilities. It usually costs more than basic third-party liability coverage.

Claim History

Your claim history is a significant factor. A clean history without claims can qualify you for a No Claim Bonus, which reduces the premium at the time of Innova Crysta car insurance renewal online.

Add-Ons Selected

Opting for additional coverages or riders like zero depreciation, engine cover or roadside assistance can increase the premium due to the enhanced protection they offer.

Location

The geographical area where the vehicle is registered and predominantly used affects the premium of Toyota Innova Crysta insurance. High-risk areas prone to accidents or thefts see higher insurance rates.

Insured Declared Value (IDV)

This is the maximum amount you can claim from the insurer in case of total loss or theft of your vehicle. A higher IDV attracts a higher premium, but it also provides better coverage.

Deductibles

The portion of a claim that you agree to pay out of your pocket before the insurance policy pays. Choosing a higher deductible can lower your premium costs, as it reduces the financial risk for the insurer.

These factors are critical when considering Innova Crysta car insurance renewal in India. Evaluating these elements properly can not only help you manage your insurance costs but also ensure that you have adequate coverage tailored to your specific needs and circumstances.

How to Calculate Innova Crysta Car Insurance Premium?

It's always a good idea to check your premium before buying insurance, so you know exactly what to expect and how much would be the Innova Crysta car insurance premium.

With our free online car insurance premium calculator, you can quickly calculate Innova Crysta car insurance premium. It will help you get an estimate and also allow you to compare our plans.

Here is how it works:

  • Just enter your car's registration number, email address and mobile number.
  • Select if you have an existing policy with us and click on submit.
  • The calculator will give you an estimate of the premium you will need to pay.

Please note: If you have a used car, you will need to provide information on the type of the car, type of fuel of the car, claim history, etc.

Also Read: Complete Guide to Cutting Down Car Insurance Premiums

Innova Crysta Insurance Price: Third-Party Insurance Premium

In the case of third-party insurance, the IRDAI determines the premium rates based on the engine capacity of a vehicle. These are standard rates and are uniform across the industry. The rates of car insurance premiums are decided based on the following:

For Private Ca​rs

Engine Capacity

Premium for One Year (in ₹)

Up to 1000 cc

2,094

Above 1000 cc up to 1500 cc

3,416

Above 1500 cc

7,897

For Elect​​​ric Cars

Battery Capacity

Premium for One Year (in ₹)

Up to 30 kW

1,780

Above 30 kW to 65 kW

2,904

Above 65 kW

6,712

Innova Crysta - Overview and USPs

The Toyota Innova Crysta is a premium Multi-Purpose Vehicle (MPV) launched in India in May 2016. It is known for its powerful performance, comfort and versatility.

Spacious and Luxurious Interiors:  

The Innova Crysta offers a premium, spacious cabin that comfortably accommodates 7 to 8 passengers, which makes it ideal for family trips and business commutes. It features plush leather seats, automatic climate control and ambient lighting for a comfortable experience.

Powerful Engine:  

The Innova Crysta comes equipped with a 2.4L diesel engine, which delivers strong performance while maintaining fuel efficiency. The 6-speed automatic and 5-speed manual transmissions enhance driving pleasure.

Advanced Safety Features:  

The Innova Crysta ensures a high level of safety for both drivers and passengers with 7 airbags, ABS with EBD, Vehicle Stability Control (VSC) and hill-start assist.

Premium Technology and Connectivity:  

The vehicle includes a touchscreen infotainment system with Android Auto and Apple CarPlay integration. It offers a keyless entry and a push-start button for convenience.

Versatile Seating and Cargo Space:  

Multiple seating configurations and flexible cargo arrangements allow easy adaptation to various needs for both long and short journeys.

Innova Crysta - Models and Prices

Innova Crysta Variant

Ex-Showroom Price ( Delhi)*

Innova Crysta 2.4 GX 7 Seater
2393 cc | Manual | Diesel

₹19.99 Lakh

Innova Crysta 2.4 GX 8 Seater
2393 cc | Manual | Diesel

₹19.99 Lakh

Innova Crysta 2.4 GX Plus 7 Seater
2393 cc | Manual | Diesel

₹20.71 Lakh

Innova Crysta 2.4 GX Plus 8 Seater
2393 cc | Manual | Diesel

₹20.77 Lakh

Innova Crysta 2.4 VX 7 Seater
2393 cc | Manual | Diesel

₹24.64 Lakh

Innova Crysta 2.4 VX 8 Seater
2393 cc | Manual | Diesel

₹24.69 Lakh

Innova Crysta 2.4 Zx 7 Seater
2393 cc | Manual | Diesel

₹26.30 Lakh

*Prices may vary based on the car variant, location and time of booking.

Toyota Car Models for Which Reliance Offers Car​

Toyota Glanza

Toyota Urban Cruiser

Innova Crysta

Toyota Fortuner

Toyota Camry

Toyota Vellfire

Toyota Yaris

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Frequently Asked Questions (FAQs)

What does Innova Crysta insurance cover?

Toyota Innova Crysta insurance covers third-party liabilities, damage to your own vehicle, personal accident cover and natural calamities. The Toyota Innova Crysta insurance cost also varies based on coverage options and add-ons.

Are there discounts for Innova Crysta insurance?

Yes, we at Reliance General Insurance provide discounts for Innova Crysta insurance, such as no-claim bonuses, anti-theft device installations, or if you opt for higher voluntary deductibles.

Can I transfer my Innova Crysta insurance?

Yes, you can transfer your Innova Crysta car insurance when selling the vehicle. The process involves informing your insurer, submitting a sale agreement and transferring the No-Claim Bonus (NCB) if applicable. The new owner will need to provide their details or the policy to be updated accordingly.

How much does Innova Crysta insurance cost?

The Toyota Innova Crysta insurance price varies based on several factors, like the vehicle’s model, engine capacity, location, coverage options, and any add-ons selected. However, opting for additional coverage or higher deductibles can affect the final premium.

What factors affect Innova Crysta insurance premiums?

Several factors influence Toyota Innova Crysta insurance premiums:

  • Vehicle model and variant
  • Engine capacity
  • Driving history
  • Location of registration
  • Coverage type (comprehensive or third-party)
  • Add-ons selected
  • No-Claim Bonus (NCB) eligibility
  • Deductibles chosen​​

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.

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.

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.

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. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).

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