Toyota Car Insurance
Car insurance price starting at just ₹2,094*
Instant policy with zero paper-work
Quick and hassle-free claim process
We take your safety seriously
4600+
Cashless Garages
Jet-Speed
Claims
Upto 50%
No Claim Bonus
24/7
Around The Clock Assistance
Note: The above data is till 1st April, 2025
Car Insurance for Toyota car
Protecting your Toyota with the right coverage makes every drive worry-free. A comprehensive car insurance plan covers your vehicle against accidents, theft, fire, and natural disasters. It also protects you from legal liabilities if you cause injury or damage to someone else.
With Zurich Kotak, you can get customised Toyota insurance plans that simplify the claims process, keep premiums affordable, and give you access to a vast network of cashless garages. Whether you are buying insurance for the first time or renewing your existing plan, having the right coverage ensures your Toyota stays protected on every journey.
Why Do You Need Insurance for Your Toyota Car?
Toyota cars offer reliable performance and comfort, but even the best vehicles face risks. Accidents, theft, or natural calamities can lead to costly repairs. A car insurance policy protects you financially by covering car repairs, third-party liabilities, and personal accident benefits. You can also enhance your coverage with add-ons such as zero depreciation, engine protection, or roadside assistance for added peace of mind. Apart from financial security, having valid insurance is also a legal requirement under the Motor Vehicles Act. It lets you drive without worry while keeping your Toyota safe from unexpected events.
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Types of Toyota Car Insurance
There are different types of Toyota car insurance plans to suit your needs and budget:
This plan offers the broadest protection. It covers your Toyota for accidents, theft, fire, natural disasters, man-made incidents, explosions, lightning, and even self-ignition, as well as third-party liabilities. You can also enhance this plan with add-ons such as zero depreciation and roadside assistance, making it especially useful for new or premium Toyota models. With comprehensive Toyota car insurance, you get complete financial security for unexpected events.
Third-party insurance is the minimum coverage required by law. It protects you if your Toyota causes bodily injuries, disabilities, death, or property damage to someone else. While it doesn’t cover your own car, it ensures legal compliance and shields you from major third-party expenses.
Own Damage insurance focuses on protecting your Toyota itself. It covers damages from accidents, theft, fire, natural events, explosions, or other unforeseen incidents. This plan is ideal if you already have third-party coverage but want additional protection for the repair or replacement costs of your vehicle. To buy this plan, you must have an active third-party car insurance policy in place.
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What is Covered and Not Covered Under the Toyota Car Insurance Policy?
It is important to understand what is covered and what is not to avoid surprises when making a claim. Below is a clear overview of the inclusions and exclusions under Toyota car insurance plans.
Accidental Damage
Covers repair or replacement costs arising from unforeseen collisions or impact-related damage to your Toyota.
Theft & Total Loss
Provides compensation up to the Insured Declared Value (IDV) if your Toyota is stolen or declared a total loss, subject to a valid police report.
Fire, Explosion & Self-Ignition
Protects against damage caused by fire, lightning, explosions, or self-ignition incidents.
Natural Calamities
Offers cover against floods, earthquakes, storms, cyclones, and other natural disasters, as defined in your policy.
Man-Made Perils
Covers damage resulting from riots, strikes, vandalism, and terrorism (excluding war, nuclear events, or government actions).
Third-Party Liability
Protects bodily injury, death, or property damage caused to third parties by your Toyota.
Personal Accident Cover
Offers compensation to the owner-driver for injury or death, up to the specified sum assured.
Optional Add-On Covers
Includes benefits like Zero Depreciation Cover, Roadside Assistance, Engine Protect, Consumables Cover, Return-to-Invoice, and other selected add-ons for extra peace of mind.
Unlicensed Driving
Accidents that occur while driving without a valid licence are not covered.
Driving Under the Influence
Claims arising while the driver is under the influence of alcohol or drugs will be rejected.
Mechanical & Electrical Failures
Breakdowns or malfunctions not caused by an accident, including wear and tear of vehicle parts, are excluded.
Normal Wear & Tear
Damage from regular ageing, depreciation, or minor scratches and dents not caused by an insured event is not covered.
Racing or Unauthorised Commercial Use
Losses during racing, ride-sharing, delivery, or other prohibited commercial activities are excluded.
Intentional or Deliberate Damage
Any damage caused deliberately or through fraudulent actions is not covered.
War, Mutiny, Terrorism Escalation & Nuclear Risks
Losses resulting from war, mutiny, nuclear events, terrorism escalation, or government seizure are not included.
Geographical Limits
Accidents occurring outside the territorial limits of the policy, unless international cover is in place, are not covered.
Policy Lapse
Claims are invalid if the insurance policy has expired or is no longer active.
Consumables & Excessive Labour Charges
Regular consumables, such as oil, nuts, bolts, and lubricants, as well as excessive labour charges during repairs, are not included under the base policy.
Benefits of Buying Toyota Car Insurance Online
Purchasing Toyota car insurance online offers several benefits:
● Instant policy issuance without paperwork.
● Quick and seamless Toyota car insurance renewal.
● Easy comparison of premiums and features.
● Secure digital storage of policy documents.
● Attractive online discounts on premium costs.
● 24/7 access to customer support and claim tracking.
With Zurich Kotak, buying online makes protecting your Toyota simpler, faster, and more affordable.
Toyota Car Insurance Add-ons
Enhance your Toyota car insurance plan with these valuable add-ons:
Depreciation Cover
Ensures full claim settlement for replaced parts without deducting depreciation, helping you get the maximum approved claim amount for your Toyota.
Roadside Assistance
Get 24/7 support, including towing, battery jump-starts, emergency fuel delivery, flat-tyre assistance, and minor on-the-spot repairs anywhere in the country.
Engine Protect
Covers repair or replacement costs for engine and gearbox damage caused by water ingress, oil leakage, or sudden mechanical failures, keeping your Toyota running smoothly.
Consumables Cover
Takes care of small parts and expendables, such as nuts, bolts, lubricants, and filters, used during claim-related repairs, reducing your out-of-pocket expenses.
Return to Invoice
Reimburses the difference between the original invoice value and the Insured Declared Value (IDV) in case of total loss or theft of your Toyota.
Loss of Personal Belongings
Covers stolen or damaged personal items from your insured Toyota during a covered incident, subject to policy limits.
Tyre Protect
Covers repair or replacement costs for tyres and tubes damaged due to road hazards or accidents, excluding normal wear and tear.
Clutch Protect
Covers repair or replacement costs for the clutch assembly and related parts if damaged due to clutch burn, keeping your Toyota in top condition.
Key Replacement
Covers the cost of replacing lost or stolen Toyota car keys, so you’re never stranded.
Why Choose Zurich Kotak for Your Toyota Car Insurance?
With Zurich Kotak, you get more than just insurance; you get complete protection, convenience, and peace of mind.
Choosing Zurich Kotak for your Toyota car insurance provides you with comprehensive coverage, competitive premiums, and exceptional customer support. The policies are customised to protect your car against accidents, theft, natural disasters, and third-party liabilities. Zurich Kotak also offers multiple add-on options, including roadside assistance and zero depreciation.
Wide Network of Garages
Get your car repaired at over 4,600 authorised garages nationwide without paying upfront.
Fast Claim Settlement
Most claims are approved quickly, with a high claim settlement rate.
No Claim Bonus (NCB)
Save up to 50% on your premium if you don’t make any claims in a year.
Easy Online Purchase
Buy your car insurance online in just a few minutes, with no paperwork.
Customisable Add-ons
Add extra protection, such as zero depreciation, roadside assistance, and engine cover.
Instant Policy Delivery
Your insurance policy is sent to your email immediately after payment.
How to Buy or Renew a Toyota Insurance Policy?
Buying or renewing Toyota insurance with Zurich Kotak is a simple and fully digital process.
This seamless process ensures uninterrupted coverage, easy renewals, and complete financial protection for your Toyota car.
Get a Quote – Visit the car insurance page on Zurich Kotak and click on “Get a Car Insurance Quote.”
Enter Car Details – Fill in your Toyota’s registration number, model, make, and other required information.
Provide Personal Details – Enter your personal information and, if renewing, your existing policy number.
Make Payment – Pay the premium securely online.
Receive Policy – Get your Toyota insurance policy instantly via email or SMS.
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Tips to Reduce Toyota Car Insurance Premiums
Lower your Toyota car insurance premium with these smart tips:
Maintain a Claim-Free Record – Keep your Toyota claim-free to earn your No Claim Bonus (NCB).
Install Certified Anti-Theft Devices – Fit approved security devices to enjoy additional premium discounts.
Select Essential Add-Ons Only – Choose only the add-ons you truly need when buying your policy.
Compare Car Insurance Online – Check different options to get the most competitive premium rates for your Toyota.
Increase Voluntary Deductibles – Opting for a higher deductible can help lower your premium.
Avoid Small Claims – Protect your No Claim Bonus (NCB) by avoiding minor claims, leading to greater savings in the long run.
How to Renew Your Toyota Car Insurance for Old Cars?
Renewing Toyota car insurance online for older vehicles requires careful planning and consideration.
Renew your Toyota insurance on time to maintain benefits, such as your No Claim Bonus, and avoid any gaps in coverage. For frequently used or high-value Toyota vehicles, opting for comprehensive cover is advisable, as it provides stronger financial protection against accidents, theft, and natural disasters.
Enter Policy Details – Provide your existing policy number or customer ID on the renewal page.
Verify Existing Policy – Your current policy will be checked, and you can review all the details of your coverage.
Choose Renewal Option – Select the policy you wish to renew and make any necessary updates or changes.
Pay the Renewal Premium – Complete the payment securely online. Your Toyota car insurance will be renewed immediately.
How to file a car insurance claim at Zurich Kotak General Insurance
Filing a claim has never been this easy – we made sure of it
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
On cashless facility confirmation, the vehicle can be repaired at a preferred network garage, on payment made directly to the garage.
You will only be required to pay the deductible as mentioned in the policy, and the depreciation value, salvage, etc., as informed by the surveyor.
Call us on 1800 266 4545 (8 a.m. – 8 p.m.) and intimate us about your claim with the details of your policy.
Once your claim is registered, our customer support executive will provide you with a Claim Reference Number.
You will be required to submit the relevant documents, which may include your Driving License, RC Copy, and Policy FIR Copy, in accordance with the Policy terms and conditions.
An arrangement will be made by us for an inspection, it will be conducted within 24 hours if a claim is reported on a working day, or the next working day if the claim is reported on a Sunday or a public holiday.
The vehicle can then be repaired by the insurer followed by the payment for the same by the insurer.
Submit all bills, payment receipt along with your policy details to us, and we will make the payment within 7 working days of completion of the documentation
Documents Required to File a Car Insurance Claim
To file a car insurance claim smoothly, it is essential to have all the necessary documents ready.
A copy of your Toyota insurance policy document.
Valid photo ID of the policyholder.
The driver’s driving licence at the time of the incident.
A completed and signed claim form.
A copy of the FIR (First Information Report) if the claim involves theft, loss, or a third-party incident.
Repair estimate from the garage, if applicable.
Any additional documents requested following the vehicle inspection.
How to Download your Toyota Car Insurance Policy Copy?
Downloading your Toyota car insurance policy from Zurich Kotak is a simple process. Just follow these steps:
This digital copy serves as valid proof of your Toyota car insurance and is helpful for claims, renewals, or anytime access, eliminating the need to wait for a hard copy.
Visit the car insurance page on the official Zurich Kotak website & Go to the "Download Policy Copy" section under the Support menu.
Enter your policy number and your registered mobile number or email ID.
Click on "Get OTP" (One-Time Password)
Enter the OTP received on your registered mobile or email.
After verification, click on "Download Insurance Policy Document" to get your policy copy in PDF format. & Save the document safely for your records and future use.
Zurich Kotak General Insurance cashless network garages
Our cashless network garages makes roadside assistance a sleek experience at the time of uncertainty
Buying a car insurance gives access to cashless network garages which provides convenience and hassle-free car repairs covered by Zurich Kotak General Insurance without the need for upfront payment.
Car Insurance glossary
There's always more to know about Car Insurance
The Insured Declared Value (IDV) is the insurer's maximum coverage for a vehicle during a policy period. It is calculated using the vehicle's selling price and depreciation, and serves as compensation in case of total loss.
The No Claim Bonus is the discount on the own damage portion on the premium offered to the policyholder from the car insurance company for responsible driving and not filing damage claims during the preceding policy year.
Zero Depreciation Cover is an add-on wherein the entire claim amount is settled by the car insurance company without factoring in depreciation value of the insured car. This cover is applicable to vehicles that are less than 5 years old.
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Frequently Asked Questions
Yes, as per the Motor Vehicles Act, third-party liability insurance is mandatory for all vehicles, including Toyota cars. Driving without valid Toyota car insurance can result in fines or legal consequences.
Yes, when you purchase a new Toyota, you can transfer the No Claim Bonus (NCB) from your old car’s policy, provided a new insurance policy is purchased for the vehicle.
The premium for Toyota insurance depends on various factors, including Insured Declared Value (IDV), car age, variant, fuel type, location, add-ons, and claim history. You can use online calculators to simplify this process.
Yes, premiums vary based on your Toyota model, engine capacity, and variant. For example, premium SUVs or hybrids may attract higher Toyota car insurance costs than hatchbacks or sedans.
Roadside Assistance (RSA) is available as an add-on. It covers towing, on-spot repair, tyre replacement, and emergency fuel delivery, providing convenience and safety for Toyota drivers.
Yes, comprehensive Toyota car insurance policies cover natural disasters, such as floods and earthquakes, as well as damage from accidents, theft, and fire, providing broad financial protection.
Yes, if you don’t file claims during the policy year, you will earn NCB discounts on your Toyota car insurance renewal, which will reduce your premium in subsequent years.
Yes, optional add-ons allow coverage for accessories, CNG/LPG kits, and modifications. These need to be declared and included in your Toyota insurance policy at the time of purchase.
Zurich Kotak has over 4600 cashless network garages across India. Toyota owners can access these for convenient, hassle-free repairs without making upfront payments.
If you miss a renewal, your insurance policy will lapse. This leads to loss of NCB benefits, uncovered risks, and penalties if caught driving without valid insurance.