Toyota Innova Car Insurance starting at ₹238/month*
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Up to 90% Discount*
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11,000+ Network Garages*
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99.57% Claims Settled*
Toyota Innova Car Insurance
Toyota Innova is a premium MPV known for its spacious interiors, smooth drive, and long-lasting performance. Whether you're heading out on a family road trip, commuting daily, or using it for business travel, the Innova delivers comfort and reliability every time. But even the most trusted vehicles need protection and that’s where IndusInd car insurance comes in.
For instance, city driving often exposes your car to minor accidents or bumper damage. With our comprehensive car insurance plan, you can opt for the Zero Depreciation add-on, ensuring full claim settlement without deductions for wear and tear.
Car insurance is also a legal requirement for all vehicle owners in India. So, your Toyota Innova must be covered with at least a third-party car insurance policy.
You can easily do this with IndusInd General Insurance (formerly Reliance General Insurance). Buy your policy online in minutes and store it digitally via the IndusInd Self-i app so your insurance documents are always just a tap away!
IndusInd General Insurance (previously known as Reliance General Insurance) offers access to a wide range of add-ons, a simple claim process, 24x7 customer support and a strong cashless garage network, all designed to keep your Toyota Innova protected.
10+ Add-On Covers*
Customise your Toyota Innova insurance
Up to 3 Years Coverage*
Get long and short term coverage
Video Claims Feature*
File claims via the IndusInd Self-i app
24/7 Customer Assistance*
Get support from anywhere in India
Why do you need Toyota Innova insurance?
Legal Mandate
Owning a Toyota Innova comes with the responsibility of complying with Indian motor laws. As per the Motor Vehicles Act, every car owner must have at least third-party insurance. Driving your Innova without valid insurance can lead to fines ranging from ₹2,000 to ₹4,000, and in some cases, even imprisonment for up to 3 months. So, whether it’s your daily drive or weekend getaway companion, make sure it’s insured.
Covers Car Repairs
The Innova is built tough — ideal for long drives, family road trips, and navigating uneven terrains. But even the most reliable vehicles can face wear and tear. From minor dents to major breakdowns, repair costs can pile up quickly. With Toyota Innova insurance, you get financial protection against unexpected repair expenses, keeping your journeys smooth and stress-free.
Covers Car Theft
The Innova’s popularity makes it a target for theft, especially in urban areas. Comprehensive car insurance ensures you're covered in case of total loss due to theft. You’ll be reimbursed with the Insured Declared Value (IDV), and if you’ve opted for the Return to Invoice add-on, you can recover the full invoice value of your vehicle — giving you peace of mind.
Covers Natural Disasters
Whether you're driving through monsoon-hit roads or hilly regions prone to landslides, the Innova’s high ground clearance helps — but it’s not invincible. Floods, earthquakes, and other natural calamities can cause serious damage. A comprehensive policy, especially with an Engine Protection add-on, ensures your Innova is safeguarded against nature’s unpredictability.
Covers Fire and Fire-Related Damage
Fire damage, though rare, can occur due to electrical faults, lightning strikes, or external hazards. Repairing fire-related damage can be expensive. With the right insurance, you’re covered for both repair and replacement costs, reducing your financial burden significantly.
Network Garages and Genuine Spare Parts
Toyota’s wide service network ensures your Innova gets the best care with genuine spare parts. This not only improves vehicle longevity but also prevents future issues caused by counterfeit components. Insurance with access to authorised garages means your car is always in trusted hands.
Types of Toyota innova Car Insurance Plans
Comprehensive Car Insurance
A comprehensive policy for your Toyota Innova offers dual protection — covering both third-party liabilities and own damages. Whether it’s a collision, theft, or natural disaster, this plan ensures your Innova is financially protected. Plus, you get access to 10+ add-ons to customise coverage for enhanced peace of mind.
Pay As You Drive Car Insurance
Drive less, pay less! With this usage-based plan, you choose a yearly driving limit between 2,500–10,500 km and enjoy a 125 km grace buffer*. Unused kilometers can be carried forward, and top-ups are available if you exceed your limit. Ideal for Innova owners who drive occasionally, work remotely, or own multiple vehicles.
Third Party Car Insurance
This is the most affordable Toyota Innova insurance option. It covers third-party injuries, property damage, and vehicle repairs caused during an accident. New car owners can opt for a 5-year plan and pay the premium just once — ensuring hassle-free compliance and long-term protection.
Own Damage Car Insurance
Already have third-party insurance? Add this standalone cover to protect your Innova from accidents, fires, floods, and other natural calamities. Choose from short-term or long-term plans (1 month to 1 year) and customise coverage to suit your driving habits and protection needs.
IndusInd General Insurance offers features designed specifically for how and where a Toyota Innova is typically driven, whether it is urban traffic, village roads or long highway journeys.
Disclaimer: Please refer to the official policy documents for detailed information.
Relaince ho sath to darne ki kya baat!
What is Covered?
Accidents and Collisions: This covers the repair costs for damage to your car caused by a road accident.
Third-party Damages: This covers the cost of repairing damage to someone else’s vehicle or property.
Natural/Man-Made Disasters: Covers repair costs by floods, earthquakes, burglary, strikes, etc.
Fire or Explosion: Repair costs for damage due to fire, explosion, self-ignition and lightning will be covered
Theft: Offers compensation for damage or lost car parts due to theft. The coverage is based on the IDV.
What is not Covered?
Depreciation: Depreciation of your car's parts typically isn't covered, but we do cover it under the nil dep add-on.
Law Violations: We cover all accidental damage to your Toyota Innova except for ones that arise due to law violations.
Accessory Coverage: We automatically cover factory-fitted accessories. But if you add more accessories after purchase, you'll need to opt for add-on coverage.
Outside Coverage Zone: We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.
Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording by clicking here.
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Toyota Innova Insurance Add-On Covers
Add-ons are a great way to enhance your base policy coverage in cases where you feel like you need more coverage for your Innova. For example, the PAYD cover is ideal for anyone seeking personalised premium rates based on their car usage, while the tyre protect add-on is a great choice for those who frequently use their cars on rough village roads. At IndusInd General Insurance, we offer 13+ add-on covers* for your Innova, giving you the freedom to customise your insurance coverage based on your actual car usage.
Nil Depreciation Cover
Money Saver
Get full claim settlement without deductions for depreciation on parts like bumpers, rubber fittings, and glass panels. Ideal for newer Innova models or when replacing high-cost components.
Pay As You Drive
Money Saver
Premiums are calculated based on actual kilometres driven. Perfect for Innova owners who drive less than 10,000 km/year or have multiple vehicles in the household.
Return to Invoice Cover
Money Saver
In case of total loss or theft within 3 years of purchase, this add-on reimburses the full invoice value including registration charges — not just the depreciated IDV.
Engine & Gearbox Protection Cover
Extra Car Protection
Protects your Innova’s engine and gearbox from damage due to water ingression or oil leakage — especially useful during monsoons or when driving through flood-prone areas.
Tyre Protection Add-On Cover
Extra Car Protection
Covers repair or replacement costs for tyres damaged due to cuts, bursts, or bulges caused by rough roads or potholes, ideal for highway and rural driving.
Key & Lock Replacement Cover
Extra Car Protection
Covers the cost of replacing lost, stolen, or damaged keys and locks, including electronic key fobs and immobiliser systems, ensuring safety and convenience.
Consumable Expenses Cover
Extra Car Protection
Reimburses costs of consumables like engine oil, brake fluid, nuts, bolts, and washers during repairs, items usually excluded from standard policies.
NCB Retention Cover
Money Saver
Preserves your No Claim Bonus even after you file a claim. Ideal for maintaining premium discounts and long-term savings on your Innova’s insurance.
EMI Protection Cover
Money Saver
If repairs take longer than 21 days, this add-on covers your monthly EMIs — helping you manage finances while your Innova is in the garage.
Geo Extension Cover
Extra Car Protection
Extend your Innova’s insurance coverage beyond Indian borders. Ideal for cross-country travel or business trips to neighbouring countries.
RIM Protection Cover
Extra Car Protection
Covers repair or replacement costs for damaged rims due to potholes, curbs, or road debris — keeping your Innova’s wheels in top shape.
Daily Allowance Benefit
Money Saver
Covers alternate transport expenses while your Innova is being repaired. Great for those who rely on their car daily for work or errands.
24x7 Roadside Assistance
Extra Car Protection
Provides emergency help for breakdowns, flat tyres, battery jumpstarts, towing, and more available anytime, anywhere.
Key Replacement Cover
Extra Car Protection
Covers the cost of replacing lost or stolen keys and locks, including smart keys and immobilisers — ensuring quick recovery and security.
Loss of Personal Belongings
Extra Car Protection
Reimburses you for personal items stolen from your Innova, such as bags, electronics, or valuables — subject to policy limits.
Electrical Accessories Cover
Extra Car Protection
Covers damage or theft of custom-installed electrical accessories like infotainment systems, reverse cameras, or GPS units.
Non-Electrical Accessories Cover
Extra Car Protection
Protects non-electrical upgrades like alloy wheels, seat covers, and roof racks from theft or damage — ideal for modified Innovas.
Emergency Hotel Accommodation
Money Saver
Covers hotel stay expenses if your Innova breaks down far from home and repairs take longer than expected — perfect for road trips.
Up to 90% Discount*
Video Claims Feature on Self-i app
11,000+ Network Garages*
Factors Affecting Toyota Innova Car Insurance Premium
Your Toyota Innova's premiums are determined based on specific parameters to ensure we offer the best coverage options suited to your needs and car usage. Some of the parameters listed below can also help you lower your premiums so you get the best value for money.
Innova’s IDV
IDV is your Innova’s current market value. A higher IDV means higher premiums but better payouts during claims. You can select your preferred IDV while buying or renewing your policy.
Type of Coverage
Choosing between third-party and comprehensive plans affects your premium. Adding riders or customising coverage increases the premium but offers broader protection.
Add-On Covers
Add-ons like engine protection, tyre cover, and key replacement enhance coverage but also raise your premium. The more add-ons you choose, the higher the cost.
Car’s Make and Model
Your Innova’s variant, fuel type (petrol/diesel), transmission (manual/automatic), and engine capacity influence the premium. Higher specs or commercial use may increase costs.
Claim History
If you haven’t filed any claims in the past year, you may qualify for a No Claim Bonus — reducing your premium. Frequent claims, however, can lead to higher rates.
Installing Anti-Theft Devices
Fitting IRDAI-approved anti-theft devices shows your Innova is secure, reducing the risk of theft. This can help lower your insurance premium.
Toyota Innova Key USPs
Cashless Claims
Step 2: Claim Verification
Take your car to a network garage, where we will send a surveyor to check the damage and verify the claim. Now easily find any network garage near you using our widget below.
Step 3: Self Inspection
You can also opt for a self-inspection via the Self-i app by submitting photos or via a live video survey.
Step 4: Claim Approval
Our team will approve your claim once you submit all your claim documents, which can take 7 days after submission.
Step 5: Bill Settlement
After we approve, we pay the bill directly to the garage and drop off your car at your address.
Step 1: Initiate the Claim
To initiate a claim for total loss, damage or theft, you’ll need to inform us within 24 hours.
Step 2: Visit Garage
Visit any garage of your choice for repairs. Pay the repair bills and keep all bills and receipts.
Step 3: Register Claim
Register your claim on our website. Download and fill out the claims form and upload it with your other documents.
Step 4: Upload Documents
As part of the document verification, upload RC, policy, DL, FIR (if needed), and repair estimate
Step 5: Money Transfer
Upon approval, we will transfer the claim amount directly to your bank account.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Toyota Innova - Models and Prices
Toyota Innova is available in multiple variants, each known for its reliability, fuel efficiency and elegant design. Toyota Innova continues to be a favourite among car buyers.
Model Variant | Ex-Showroom Price (₹ Lakh) |
|---|---|
Innova Crysta GX 7 STR | ₹19.99 |
Innova Crysta GX 8 STR | ₹19.99 |
Innova Crysta GX Plus 7 STR | ₹21.39 |
Innova Crysta GX Plus 8 STR | ₹21.44 |
Innova Crysta VX 2.4 7 STR | ₹24.64 |
Innova Crysta VX 2.4 8 STR | ₹24.69 |
Innova Crysta ZX 2.4 7 STR (Top) | ₹26.3 |
Innova Crysta 2.4 GX Plus 7Str | ₹21.71 |
Innova Crysta 2.4 GX Plus 8Str | ₹21.76 |
Innova Crysta 2.4 VX 7Str | ₹25.4 |
Innova Crysta 2.4 VX 8Str | ₹25.45 |
Innova Crysta 2.4 Zx 7Str (Top) | ₹27.08 |
Innova Hycross (Base Model) | ₹18.78 |
Innova Hycross (Top Model) | ₹32.58 |
Disclaimer: The prices mentioned are subject to change based on your city of residence, car model, variant, year of purchase and the dealership you are buying your car from. The prices mentioned above have been taken from this source.
Key Takeaways
If you use your Toyota Innova to ferry fresh produce, transport building materials, or drop your kids to school across uneven village roads, you already know how dependable this MPV is. But even with its sturdy build and spacious design, the Innova isn’t immune to unexpected events. Flash floods, tyre blowouts, or minor collisions on rough terrain can lead to costly repairs.
That’s why protecting your Innova with a reliable car insurance plan is essential. With IndusInd Toyota Innova Insurance (formerly Reliance Toyota Innova Insurance), you get coverage starting at just ₹238/month*, backed by 24/7 support and a digital-first claims process.
We cover accidents, fire damage, and natural disasters like floods and earthquakes. You also get legal protection through third-party liability cover. And with access to 11,000+ network garages*, you won’t need to pay upfront we settle the bill directly.
Plus, with the IndusInd Self-i app, you can file claims via video from your phone paperwork, no hassle.
Don’t wait — protect your Toyota Innova today with a personalised insurance plan that’s built for your lifestyle.
Reliance General Insurance
Aapke Protection ka All-rounder
Innova insurance starting at just ₹238 per month*!
Get Tailored Car Protection With Us!
Get all-around protection for your Toyota Innova with coverage against own damage, theft and more! You also have the option to add useful add-ons for enhanced coverage as per your needs.
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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.
Claim Settlement Ratio: 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.
Premium: 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).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
Comprehensive Car Insurance/Car Insurance UIN: Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.
Own Damage UIN: Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920)
Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819
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