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Customer RatingsToyota Innova Crysta Car Insurance Online
The Innova was launched in 2005, to replace the much-loved Qualis. Indians fell in love with this compact MPV instantly, which was rare for a car that wasn’t a hatchback or sedan. It was the first three-row car in the Indian market, and unsurprisingly, met with roaring success.
The second-gen Innova Crysta arrived in 2016, with a more premium interior and upmarket features. The Innova Crysta received a facelift in 2020, with a redesigned grille and bumper, alloy wheels, and other subtle interior improvements.
Variants of Toyota Innova Crysta Car
The Toyota Innova Crysta comes with two engine options – a 2.7-litre petrol engine and a 2.4-litre diesel, producing 164bhp and 148bhp, respectively. There are three trims available – GX, VX, and ZX, with the diesel-engine variants also getting a G and G Plus trim. You also have the option of a 7-seater (7 STR) and an 8-seater (8 STR). The GX and ZX series also get the option of automatic transmission.
| Petrol (2.7l) | Diesel (2.4l) |
| Innova Crysta ZX 7 STR AT | Innova Crysta ZX 7 STR |
| Innova Crysta ZX 7 STR | Innova Crysta VX 8 STR |
| Innova Crysta GX 8 STR AT | Innova Crysta G Plus 7 STR |
Types of Toyota Innova Crysta Car Insurance HDFC ERGO Offers
The Innova Crysta is a much-loved MPV that offers a luxurious ride to the family. And if you have an Innova, chances are you have a large family, whose safety is a major concern. While the Innova comes with driver and passenger airbags, a car insurance policy is a must to ensure that you and your car are well-protected against any unfortunate event. Here are your options:
The single-year comprehensive insurance for Innova comes with an annually renewable own damage cover, and a third-party liability cover that protects you financially against accidental damage, theft, and damage due to natural and manmade disasters. It also comes with a personal accident cover of INR 15 lakhs to ensure your treatment costs are taken care of in case of an accident.
Accident
Personal accident cover
Natural calamities
Third-party liability
Choice of add-ons
Theft
A mandatory cover for any car on the road, the third party insurance is a basic car insurance policy that only covers against financial liability to a third-party person for injuring them or causing damage to their property as a result of an accident involving your car.
Personal accident cover
Third-party property damage
Injury to a third-party person
This is a component of the comprehensive cover that can also be bought separately as a standalone policy, especially if you already have third-party insurance for the vehicle. This policy covers damage to your own vehicle as a result of an accident, or natural and manmade disasters. It also comes with a theft cover that provides you the Insured Declared Value (IDV) in case of irretrievable theft.
Accident
Natural Calamities
Fire
Choice of add-ons
Theft
This is the policy that is the most recommended and is the one that you must choose when buying a new vehicle. It comes with a three-year third-party liability cover and an annually renewable own damage component, so that you stay covered for an extended duration. It also comes with a personal accident cover, theft protection, and the choice of add-on covers.
Accident
Natural Calamities
Personal accident
Third-party liability
Choice of add-ons
Theft
Inclusions & Exclusions of Toyota Innova Crysta Car Insurance
With a comprehensive Innova Crysta car insurance policy, you will be covered against any damage that your vehicle suffers as a result of an accident, or natural and manmade calamities such as earthquakes, fires, storms, riots, and vandalism. You will also be covered against treatment charges in case of hospitalisation, as well other expenses incurred. Furthermore, your financial obligations to the aggrieved third-party person are also met, ensuring all-round protection.
Accident coverage
Accidents are often unpredictable, and sometimes, unavoidable. However, the cost of repairing your vehicle can be mitigated with an own damage cover.
Natural or manmade calamities
Disasters strike without warning. Keep your car financially protected against damages as a result of earthquakes, floods, storms, fires, vandalism, rioting, etc.
Theft
Theft of your Innova can result in a significant financial loss without car insurance. However, with insurance, you will get the IDV of the vehicle, and if you have the Return to Invoice cover, then the entire on-road price of the car.
Personal accident
A personal accident cover of at least INR 15 lakhs is mandatory for all owners, in order to mitigate the cost of treatment in case of an accident.
Third-party liability
This takes care of your financial liabilities in case you cause injuries or damage to a third-party person or property.
While the comprehensive Toyota Innova car insurance policy is largely all-encompassing, there are a few gaps in the coverage. Since it is a combination of movable, mechanical components, a car’s value always depreciates and the chances of equipment malfunctioning get higher, over time. Therefore, to keep the cost of insurance affordable for both the insurer and the insured, here are the principal exclusions.
Depreciation
A car is a depreciating asset. Which is why, there will be some out-of-pocket expenses when replacing an old or broken part with a new one. The difference in cost between the new part and the adjudged value of the old part is the depreciation cost, which can be avoided with a Zero Depreciation add-on cover.
Wear and tear
Wear and tear of mechanical moving parts is inevitable, which is why it’s not covered by car your insurance policy.
Electrical breakdown
The electrical components and circuitry of a vehicle are vulnerable to physical and atmospheric disturbances which can get quite unpredictable.
Illegal behaviour
Driving without a valid driver’s license, or under the influence of drugs or alcohol, or engaging in any illegal activity will almost certainly void your insurance claim.
How to Renew Toyota Innova Crysta Car Insurance?
Cars are getting smarter and so are insurance companies. The days of lining up at the insurer’s office are long gone. You can now renew your Toyota Innova car insurance policy online easily, from the comfort of your own home, in a matter of minutes. Here’s how:
Step #1Log onto the HDFC ERGO website or download the mobile app, and choose the renew option
Step #2Enter your car details, including registration, location, previous policy details, NCB, etc.
Step #3Provide your email ID and phone number, to receive the quote
Step #4Make the payment online, and voila! You’re secured.
Why Buy Toyota Innova Crysta Car Insurance from HDFC ERGO?
When choosing an insurer, you should check its claims settlement ratio and process, customer base, and presence across your region. Only then you can get the assurance of a great experience. Here’s why you should choose HDFC ERGO:
Cashless facility
Get your car repaired without denting your own finances, even temporarily, with our cashless garages. With over 8000 cashless garages across the country, you’re always covered.
Easy claims
We process over 80% of car insurance claims on the very day they are filed. This ensures there’s minimal wastage of time between your car getting damaged and repaired.
Overnight repair service
Our unique overnight repair service ensures that minor repair works, in the event of an accident, are taken care of while you catch up on sleep. The car is ready for your use the next morning.
24x7 assistance
Never get stranded anywhere with our 24x7 assistance service to help you with breakdowns, tows, etc.
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