Toyota Highlander Car Insurance

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Excellence in engineering, manufacturing, and materials ensures that Toyota continues to earn the respect of its old and new customers. Such expectations are higher when it is a vehicle as stylish and sophisticated as the Toyota Highlander. With an incredible driving experience, this SUV is loaded with features like automatic handbrake release, leather seats, automatic AC, foldable rear seats, multi-information display, and more. These features are augmented by the car’s technical, with the Highlander being equipped with a 2.5-litre 4 Hybrid engine that produces an impressive 240 horsepower for a comfortable yet powerful experience.

To enjoy uncompromised levels of comfort as well as security with your Highlander and keep this cherished possession well-protected, a Toyota Highlander insurance plan can prove highly advantageous. If you wish to acquire Toyota Highlander insurance in UAE, you can check the key advantages and aspects of such insurance plans below.

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Features of Toyota Highlander Car Insurance

A few basic features are offered by all the leading insurance providers for your Toyota Highlander car insurance. These features are -

  • Option to Go Cashless

You can drop all your worries about arranging money when taking your Toyota Highlander for repairs while having a suitable Toyota Highlander insurance plan. The cashless network garage facility associated with such plans lets you fix the damage without having to pay directly to the garage. With the insurance provider settling the matter on your behalf, you will only need to pay the deductibles.

  • Avail Benefits 24*7

With the customer helpline benefits available 24*7, you can avail of the insurance benefits anytime any day you want without any hassle. 

  • Interest Charged at Affordable Rates

With various insurance providers offering Toyota Highlander car insurance at affordable interest rates, you can easily access a car loan plan without reducing other expenditures under the influence of hefty interest. 

  • Overnight Assistance

In case you ever need insurance benefits in the nighttime, the insurance providers are right there to assist you. Simply inform your insurance provider regarding the same and they will pick up the vehicle from your home and deliver it back safely after the work is done. 

  • Add-Ons to Strengthen Your Plan

Besides the basic benefits offered in Toyota Highlander car insurance, you can also extend the benefits with specific add-ons. As per your vehicle's requirement, you can pick add-ons and strengthen your insurance policy without going for other car insurance plans in UAE. 

  • Hassle-Free Renewal Process

The renewal of your Toyota Highlander insurance plan is now a hassle-free process, with the websites of top insurance providers allowing users to easily renew their Toyota Highlander insurance in UAE. With such easy renewal, you can now continue to have your Toyota car financially secured without much strain.

  • Settle Claims Easily

The claim settlement process is quite simple for Toyota Highlander insurance in both online and offline methods as per your convenience. After quickly assessing the case in detail, the insurance provider allows access to the needed assistance for a faster resolution of the problem faced by the insured individual. 

Types of Toyota Highlander Car Insurance Plans

There are mainly two types of Toyota Highlander car insurance plans - Third-Party and Comprehensive Car Insurance. Out of these two, the former, i.e., the third-party car insurance is mandatory for all the vehicles running in the UAE. 

Given below are the key details related to the types of car insurance plans available in the UAE -

  • Third-Party Cover for Toyota Highlander 

Mandated by UAE laws, third-party car insurance cover is meant to provide cover when your vehicle causes damages to a third-party person or property. So if you accidentally cause damage to someone else on the road, your insurance provider will settle the damages on your behalf and provide the necessary funds. However, this type of plan will not cover any damages to the insured driver.

  • Comprehensive Car Cover for Toyota Highlander

In a comprehensive plan, besides the third-party cover, own damage is also covered. This is a one-stop insurance cover if you wish to have an overall insurance cover. Another benefit occurs in the form of additional covers, as you can always buy add-ons when you buy comprehensive car insurance.

Toyota Highlander Car Insurance Price

At policybazaar.ae, you can find a list of the top insurance providers in the UAE. The features and benefits of the plans provided by all the companies may differ on a few notes. You can extensively compare the options on our website and pick a Toyota car insurance plan based on your preferences. It should be noted that the Toyota Highlander Car Insurance price depends on several key factors like the selected add-ons, the Toyota Highlander price, and so on.

What’s Included in Toyota Highlander Car Insurance Policy?

The inclusions in your car insurance represent the type of coverages you will receive. Knowing all of them before buying car insurance in UAE is crucial for obtaining the benefits at the time of requirement. 

Here is what Toyota Highlander car insurance coverage generally includes:

  • Coverage for any damage to the vehicle due to an accident 
  • Personal accident coverage for the driver injured in the car accident
  • The insurance policy also provides coverage for damages caused by calamities such as fire, rain, hail, storms, and earthquakes
  • Damage to the car due to terrorist attack or riots
  • Damage to the glass
  • Loss of the car due to theft or burglary

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Toyota Highlander Car Insurance Policy Exclusions

Equally important as the inclusions are the car insurance exclusions when it comes to making the right choice for your car needs. Described below are the events or situations that Toyota Highlander insurance does not cover:

  • Any damage to the car due to drunk-driving
  • Damage to the car due to intake of drugs while driving
  • Driving in prohibited areas (outside the country)
  • Mechanical and electrical breakdown 
  • The costs of petrol and spare parts of cars are not included in the insurance coverage
  • Car damages due to a fraud accident or involvement in an illegal matter are also not considered for a claim

Toyota Highlander Car Insurance Add-ons

For exquisite cars that need a high level of protection like the Toyota Highlander, add-ons can indeed serve as saviours. Given below are some add-ons you can consider to perk up your car insurance 

  • Consumable protection
  • Invoice return protection
  • Roadside assistance
  • Conveyance Benefit
  • Assistance in case of breakdown 
  • Passenger protection cover
  • Key Cover

Eligibility Criteria for Toyota Highlander Car Insurance

With easy-to-fulfil eligibility criteria, most individuals can easily apply for a car insurance plan for their Toyota Highlander. Listed below are the eligibility criteria for Toyota Highlander Car Insurance in the UAE, for which, the applicant:

  • Should be a UAE resident or citizen
  • Must be between the age of 25 and 55 years
  • Must possess a driving licence that is in effect for more than two years

If you meet all these requirements, you can apply for Toyota Highlander Insurance in UAE.

Documents Needed for Toyota Highlander Car Insurance

To apply for Toyota Highlander Insurance, you should submit the following documents:

  • Original and a copy of
    • Passport and Visa information (ex-pats)
    • Emirates ID (if you are a UAE citizen)
    • Driving licence
  • Valid Documents stating your valid address 
  • Valid Documents stating your age for age verification
  • Vehicle registration documents

RTA/Driving License

Roads and Transport Authority (RTA) Roads and Transport Authority (RTA) Dubai
Roads and Transport Authority (RTA) Sharjah Transfer Car Registration
Driving License UAE Driving License in Dubai

Filing Claim for Toyota Highlander Car Insurance

In order to avail of the insurance benefits for your Toyota Highlander, you need to file a claim when the damage occurs. However, it is recommended to refrain from filing minor cases as that can qualify you for the no-claim bonus. Another aspect to remember here is that if your car is damaged, then compensation for it can only be claimed if you have comprehensive car insurance. So if you chose to go with the minimum requirement and obtained only third-party insurance, you will be able to file a claim only for the losses incurred by a third-party person or property. 

With that said, filing a claim while having Toyota Highlander Insurance in UAE is a pretty straightforward process. Simply follow the steps elaborated below to initiate the process.

Toyota Highlander Accident Claim

The first step to follow if you are involved in an accident is to call an ambulance if required. After that, make a call to the police, report the accident, and get a copy of the accident report. Now you can begin the claim filing procedure. 

  • Contact your insurance provider and inform them about the accident.
  • The insurance provider will send a towing vehicle if required and carry your vehicle to the garage. 
  • Make sure you have the car details of the third-party car if it's a third-party claim and your own vehicle details in case of claiming your own damage.
  • After obtaining all the details in a relevant form from you, the insurance provider will assess the estimated cost of repairing your vehicle and inform you regarding the same.
  • While the insurance provider will transfer the required compensation, you will have to first pay the deductibles as mentioned in the policy documents. 
  • The repair process will begin and you will receive the car once the repair part is done.

Toyota Highlander Theft Claim

Under comprehensive car insurance, you can also make a theft claim if your vehicle has been stolen. For this, you first need to record all the belongings lost with your Toyota Highlander and inform the police about the incident. The police will hand over a copy of the report to you. Once you have the police report on your hand

  • Inform your insurance company about the loss and request to file a claim. You will have to submit a copy of the police report to your insurance provider in order to begin the claim process.
  • The insurance provider will also ask for your driving license, policy documents, and other details. This is where you can submit the list of belongings lost along with your Toyota Highlander.
  • If the vehicle is found, no theft claim will be further processed. However, if the police are not able to find the vehicle, a letter regarding the same will be issued to you.
  • Using this letter, the insurance company will begin the evaluation process for your vehicle and your belongings. 
  • The cost of your vehicle will be assessed based on several factors like its age, last reported condition, and so on. The estimated cost will be transferred to you.

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Toyota Highlander Car Insurance Renewal

If you renew your car insurance policy before it expires, you can receive several benefits in terms of premium as well as the convenience of renewal itself. Moreover, both online and offline methods can be followed for the process. The following are the steps to do so. 

  • Online Method for Claim Filing
    • Visit the website of your provider and opt for the renewal option there. 
    • You will be asked to enter your car details like registration number, policy number, contact details, etc. 
    • The company will apply a no-claim bonus if there is any and settle the cost accordingly.
    • Make the payment to complete the renewal process in such easy steps.
  • Offline Method for Claim Filing 
    • To renew your Toyota Highlander car insurance offline, you can visit the nearest branch of your insurance company.
    • Get in touch with an executive who will guide you through the policy renewal process.
    • You will be provided with an application form that you will need to fill out carefully.
    • A few documents will also have to be attached with the application form. To avoid making extra trips to the branch, you can check the list of these documents on the website of the company and carry them with you. 
    • Finish the renewal process by completing the payment.

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How to Get the Best Toyota Highlander Car Insurance?

With no scarcity of Toyota Highlander insurance in UAE, it’s natural to experience confusion regarding which plan to select. However, the process, once fairly grasped, is easy to complete. Simply keep the following aspects in mind when you go for the purchase to get the best Toyota Highlander car insurance plan for yourself.

  • Decide the Type of Coverage

If you want a cover for both your own damages and for third party, you must go for a comprehensive plan. However, if you rarely drive your car, third-party liability insurance is sufficient for you to fulfil the legal requirements and get the minimum financial assistance in times of need.

  • Coverage That Suits Your Requirements 

Understanding the terms and conditions along with exclusions and exclusions of an insurance plan is vital. Besides giving you a broader idea of the benefits you will be enjoying, a thorough reading of the inclusions and exclusions will also enhance your clarity regarding the situations where you won’t receive any help from the insurance plan. 

  • Mind the Add-Ons

Add-ons allow you to customise your insurance plan by giving you the option to expand the coverage of your policy. At the same time, availing of an add-on for a situation in which you barely engage only leads to elevated costs without any benefits. Thus, you should make sure that your preferred add-ons are offered by your insurance provider yet add only the required ones to your plan. 

  • Compare for Clarity

Comparison is an inescapable step if you wish to get your hands on the best insurance policy for your Toyota Highlander. You can continue here at policybazaar.ae to access and compare the best car insurance plans in UAE without much hassle. 

  • Read the File

When your insurance provider completes the preparation of the policy documents, examine the whole document in detail as it will give you clarity about your investment and keeps you updated and aware. 

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How to Buy Toyota Highlander Car Insurance Online & Offline?

With a platform like Policybazaar UAE, buying car insurance has become immensely convenient. Here is what you need to do to buy car insurance online:

  • Visit policybazaar.ae. Under the car insurance section, you can fill out a form with your car model details for getting a range of car insurance plans that would be a good fit for your car.
  • Compare and analyse the car insurance quotes here before purchasing one.
  • You can also calculate the premiums by entering the age of your vehicle and a few of your personal details.
  • Once you have decided to buy a specific car insurance plan, you can pay the premium instantly via online payment modes to buy the car insurance.

Alternatively, you can visit the insurance company's office if you wish to utilise the offline option. The application process is straightforward there as well, as you will simply need to fill out a form, submit it with the specified documents, and pay the premium to purchase the car insurance for your plans.

Before going to check out and compare the best insurance plans in the UAE, have a glance at what people are asking regarding Toyota Highlander Car Insurance in UAE.

Generally Asked Questions

Q1. Can I purchase more than one insurance policy for my Toyota Highlander? 

Ans: No, you cannot purchase two different car insurance for your Toyota Highlander. If you wish to have both own-damage cover and third-party cover, you can go with comprehensive car insurance in such a case as it covers both.

Q2. Can I make a theft claim without a police report? 

Ans: No, you won’t be able to file a theft claim without submitting a copy of the police report to your insurance provider. In case the police fail to find your vehicle, they will still issue a letter stating the same which has to be presented to the insurance provider so that they can start the price evaluation of your vehicle and pay you the amount. 

Q3. What is a no claim bonus in my Toyota Highlander car insurance? 

Ans: When a vehicle owner makes no insurance claims in a policy period, they are rewarded with a no claim bonus. Acting as a discount, such a bonus helps reduce the cost of policy renewal.

Q4. Is it compulsory to register my Toyota Highlander in Dubai to get insurance benefits? 

Ans: While it is not compulsory, several insurance providers may make it mandatory eligibility. Alternatively, in case you purchase an insurance policy for a vehicle not registered in Dubai, you may be charged high for it. Ultimately, the condition regarding mandate in such cases is decided by the insurance provider, meaning that you will have to connect with one before you begin your plan and verify the conditions regarding the same.

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