Toyota Car Insurance

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Toyota Car Insurance
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Founded in 1937, Toyota is one of the leading car manufacturers headquartered in Japan. The company offers a wide range of vehicles including SUVs, Hatchbacks, MUVs, Hybrids and more. 

Toyota offers car insurance services for its customers to help them easily pay for the loss or damage caused to the insured vehicle due to an accident, fire, theft or a natural disaster like flood, earthquake, storms, etc.

Let us go ahead and know more about how Toyota Car Insurance services work, followed by their inclusions, exclusions, add-on covers and much more.  

Toyota Car Insurance Premiums

Toyota Car Insurance offers reasonable insurance rates for the policyholders. The company’s insurance policies help policyholders save their funds and get their expenses covered without any hassle. 

Toyota Car Variants Car Insurance Premium

Various toyta car models with car insurance premium below:

Model Variant Car Value* Premium*
Land Cruiser EXR 4.0L AED 18,9000 AED 2977
Rush EX 1.5L AED 62,100 AED 1890
Land Cruiser Prado EXR 2.7L AED 120,600 AED 2100
Fortuner EXR 2.7L AED 104,400 AED 1973
FJ Cruiser 4.0L EXR AED 126,000 AED 2381

Types of Toyota Car Insurance Policies

Toyota Car Insurance offers two kinds of car insurance coverage – Comprehensive Car Insurance and Third-Party Car Insurance.

With a comprehensive car insurance cover, the insurance company offers coverage against loss or damage caused to the insured vehicle in case of an accident. In addition, it also covers the bodily injuries or damages caused to a third-party vehicle in the event of an accident caused by the insured vehicle.

With a third-party car insurance cover, the insurance company covers the bodily injuries or damage caused to a third-party vehicle due to an accident caused by the insured vehicle. No expenses for the insured vehicle are covered under this type of insurance coverage.

Major Reasons to Buy a Toyota Car Insurance Policy

Here are a few major reasons why you must consider buying an insurance policy from Toyota Car Insurance.

  • Cashless Benefits

Toyota Car Insurance offers excellent cashless benefits. The insurance company helps policyholders get quality service at the network garages and have their vehicles repaired in no time. 

  • Lower Insurance Rates

Toyota Car Insurance offers reasonable insurance rates with various useful add-on covers for the policyholders. 

  • Overnight Car Repair Services

Toyota Car Insurance provides overnight car repair services for the policyholders. The best part is that the insurance company gets your car picked up, repaired and delivers it to your doorstep as soon as it gets repaired. 

  • Useful Add-on Covers

Toyota Motor Insurance offers useful add-on covers such as No Claim Bonus Protection, Zero Depreciation Cover, Emergency Assistance Cover, Return to Invoice, Engine and Gear Box Protector and more. With these add-ons, policyholders get an enhanced insurance policy and get the best out of it as and when required.

  • Easy Policy Renewal Process

Toyota Car Insurance Company comes with an easy policy renewal process for the policyholders. They can simply call their customer care number or contact the insurance policy vendor from where they bought the insurance policy and get the same renewed in just a few clicks.

  • Full-time Assistance

Toyota Car Insurance offers a dedicated customer helpline for the policyholders to register hassle-free claims and find answers to their queries anytime they want.

  • Simple Claim Registration Process

Toyota Car Insurance comes with a simple claim registration process. All that the policyholders need to do is report the claim and provide supporting documents, and they can get their claim approved with great ease.

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Toyota Car Insurance Inclusions

Here is the list of Toyota Car Insurance inclusions.

  • Agency Repairs

Toyota Car Insurance offers repairs at the agency for vehicles that are not more than three years old.

  • Emergency Medical Expenses

Toyota Motor Insurance offers coverage of up to AED 500 per person against emergency medical expenses incurred due to an accident.

  • Fire & Explosion

Toyota Car Insurance offers coverage of up to AED 1,000 against loss or damage caused due to fire and theft.

  • Natural Disaster

Toyota Car Insurance offers coverage against loss or damage caused due to natural disasters like storms, floods, earthquakes, hurricanes or other convulsions of nature.

  • Personal Accident

Toyota Car Insurance offers coverage against loss, bodily injury or damage caused due to an accident.

  • Riots or Strikes

Toyota Car Insurance offers coverage against loss or damage caused due to riots or strikes.

  • Third-Party Liability

Toyota Car Insurance offers coverage of up to AED 2,000,000 against third-party property loss or damage caused by the insured vehicle. This cover also includes the bodily injuries, disability or death caused to a third party in an accident caused by the insured vehicle.

  • Legal Liability

Toyota Car Insurance offers coverage against legal expenses incurred for the immediate family members of the policyholder.

  • Vehicle Replacement

Toyota Car Insurance offers vehicle replacement benefits for the policyholders. With this service, the policyholders can claim the sum assured in the event of the total loss of a vehicle due to fire, accident, natural calamities or man-made disasters.

Toyota Car Insurance Add-On Covers

Here are a few major add-ons that the Toyota Car Insurance Company offers the policyholders.

  • No Claim Bonus Protection

With this add-on, Toyota Car Insurance helps you protect your no-claims bonus. In case you have registered a claim due to damages caused by fire, flood or an external impact, the add-on cover protects your no claims bonus at the time of policy renewal. 

  • Zero Depreciation Cover

The insurance company pays the sum assured after deducting the depreciation amount. However, with this add-on, Toyota Car Insurance provides the policyholder with the entire amount with no depreciation deduction.

  • Emergency Assistance Cover

With this add-on, Toyota Car Insurance offers emergency assistance for the policyholders. The services provided under this cover include tyre changes, lost key assistance, on-site repair, refilling empty fuel tank and more.

  • Return to Invoice

If your vehicle meets with an accident and needs a complete replacement, Toyota Car Insurance will pay the insured declared value of the vehicle. However, with this add-on, the insurance company will pay the amount equal to the difference between the vehicle’s invoice value and the Insured Declared Value.

  • Engine and Gearbox Protector

With this add-on, Toyota Car Insurance covers the engine and gearbox damage in case water enters the engine during floods or heavy rains.

  • Cost of Consumable Items

With this add-on, Toyota Car Insurance covers all the consumables used in the insured vehicle. It pays for lubricants, nuts, bolts, gaskets, screws and more in the event of an accident. For example, your car has met with an accident and needs to be repaired. The insurance company will cover all the expenses for the replacement of consumable items if required.

  • Key Replacement Cover

With this add-on, Toyota Car Insurance pays for the keys replacement expenses in case the policyholder has lost them.

  • Loss of Use - Downtime Protection

With this add-on, Toyota Car Insurance pays for the policyholder’s cabs or other means of transport for daily conveyance in case their vehicle is getting repaired at one of the garage partners. For example, your vehicle meets with an accident, and you need to take it to one of the network garages for repair. So you are left without a vehicle and paying even more for cabs for your daily travel. The downtime protection covers those expenses for you.

Toyota Car Insurance Exclusions

Here is the list of Toyota Car Insurance exclusions.

  • Electrical or Mechanical Breakdown

Toyota Car Insurance doesn’t provide any coverage against the loss or damage caused due to an electrical or mechanical breakdown.

  • Depreciation

Toyota Car Insurance doesn’t provide any coverage against the depreciation caused to the value of the insured vehicle. 

  • Illegal Driving

Toyota Car Insurance doesn’t provide any coverage against loss or damage caused due to illegal driving. The insurance company does not provide coverage when a driver doesn’t have a valid license or he/she is under the influence of alcohol or drugs. 

  • Non-Accidental Damage of Car Tyres

Toyota Car Insurance doesn’t offer coverage against the damage caused to the car tyres other than an event from an accident.

How to Buy a Toyota Car Insurance Policy Online?

Here are a few simple steps you can follow to buy a Toyota Car Insurance policy.

  • Visit the Website

First, you need to visit one of the websites that offer Toyota Car Insurance policies, such as policybazaar.ae. We at Policy Bazaar make the whole process of buying a car insurance policy very simple. So, you can visit our website and look for a suitable car insurance plan in just a few clicks. Keep reading to know the rest of the process. 

  • Provide the Details

Once you are on the website, you need to provide your vehicle details, such as the registration year, the model number, fuel type, etc. to get an estimated insurance premium.

  • Choose the Type of Coverage

Next, you need to choose the type of insurance coverage you need. As we have already mentioned, there are two types of Toyota Insurance coverage – Comprehensive and Third-Party. Make sure you go through the features and benefits of both the insurance coverage types and choose the one that best fits your needs.

  • Calculate the Premium Amount

Once you have chosen the type of insurance coverage, you need to evaluate the car insurance premium amount. There are various factors such as the driver’s age, location, how old the vehicle is and more that impact the car insurance premium amount.  

  • Pay the Premium

Finally, you need to pay the evaluated premium amount to buy the insurance policy. You can pay the insurance premium amount using various payment modes, including secure wallets, credit cards, debit cards, etc.

How to Renew a Toyota Car Insurance Policy?

Here are a few simple steps you can follow for Toyota Car Insurance renewal.

  • Visit the Website

First, you need to visit one of the websites that offer Toyota Car Insurance policies, such as policybazaar.ae. We at Policy Bazaar help you renew your car insurance policies in just a few clicks. 

  • Go to Renewal Tab

Go to the Menu bar and look for the Renewal tab where you can renew your insurance policy. Next, you need to select the option Motor Renewal from the available options.

  • Provide Your Insurance Policy Details

Find your insurance policy by providing details like the policy registration number, car registration number, etc. in just a few clicks.

  • Verify Your Contact Details

Once you have found your car insurance policy, verify all your details, including address, phone number, email address, etc. to help the insurance company reach out to you easily if needed.

  • Renew Your Policy

At last, you need to pay the estimated insurance premium amount to complete the car insurance policy renewal process. Make sure you check the insurance premium calculation to ensure that the no-claim discount has been applied if you have not made a single claim in the previous year.

How to Claim a Toyota Car Insurance Policy?

Here are a few simple steps you can follow to claim a Toyota Car Insurance policy.

  • Report the Claim

You must first contact your insurer and report the claim as soon as an accident takes place. Make sure you also report the accident to the police and get an accident report created. You need to submit this accident report with all the other required documents.

  • Visit the Garage

As soon as you report the claim, the insurance company will provide you with the garage details where you need to get your car repaired. Take your car to one of the garages in the insurer’s network list to be eligible for a cashless insurance claim. 

  • Get the Estimation Report

Once you take your vehicle to the suggested garage, you need to get an estimated repair bill from the garage. You need to submit this report with all the other documents.

  • Submit the Required Documents

Once you have reported the claim, you need to provide all the essential documents including the estimated repair bill, police accident report, car registration documents, policy registration documents and more as asked by the insurance company.

  • Collect Your Car

Once your vehicle has been repaired and the insurance company has approved the claim and paid out your repair expenses, you can take your vehicle home. Do not forget to take a test drive to make sure that it has been repaired properly and works fine.

Documents Required by Toyota Car Insurance Claims

Here are the documents required to claim a Toyota Car Insurance policy.

  • Car Insurance Claim Form
  • Car Insurance policy registration documents
  • Toyota car registration documents
  • Driving license of the car’s owner (driver) at the time the accident took place
  • Estimated repair bill of the vehicle
  • Detailed bill payment receipts
  • An accident or FIR report created by Polic

Frequently Asked Questions

Q1. Are Toyota cars expensive to insure?

Ans. Toyota cars are cheaper to insure when compared to other vehicles. Toyota Car Insurance offers reasonable insurance rates with various useful additional covers for its customers.

Q2.What does my Toyota car insurance cover?

Ans. With Toyota Car Insurance Cover, you can easily pay for the loss or damage caused to your vehicle due to an accident or natural disasters like flood, earthquake, hailstorm, windstorm, etc.

Q3.From where can I purchase insurance for my Toyota Car?

Ans. You can simply visit our website or call our helpline number. Our experts will help you buy Toyota Car Insurance for your vehicle.

Q4.How is the Toyota Car Insurance price calculated?

Ans. Toyota Car Insurance premium is calculated based on the following factors. 

  • Insured Declared Value of the vehicle
  • Age of the car
  • Model number and variant of the car
  • Type of insurance coverage selected
  • Prices of selected add-on covers
  • Claim history of the vehicle
Q5.Which insurance company does Toyota use?

Ans. Toyota offers its own car insurance services.