The Japanese auto giant Honda has found a dedicated customer base in India, thanks to some wonderful cars that they have introduced here – the Civic being among the most coveted of those. It’s bold, it’s aggressive, and it is super cool – enough to make you fall for it at first sight!
With such a prized possession in your garage, it’s essential that you ensure its full protection from any sort of accident or other man-made calamities. And we, IFFCO-Tokio General Insurance Co. Ltd., assist you in doing so.
Our customized Honda Civic Insurance plans take care of your car from the damages that all such mishaps might cause. Our coverage starts the moment the car is out of the showroom. And coverage from damages isn’t the only reason for insurance. As per Indian laws, it’s illegal to drive an uninsured car.
Honda doesn’t mean only beauty and elegance, but also reliability. And in a premium model like the Civic, safety measures come in large numbers, like Anti-lock Brakes (ABS), Front, Overhead and Side-impact Airbags, Stability Control, Lane-keeping Assistance, and lots more.
However, even the most advanced safety features on this planet can’t stop accidents from happening. Even the best driver in the world can’t guarantee against mishaps on the road. So, it is best that you stay protected against such possible calamities since you can’t prevent them.
Honda Civic motor insurance offers an exhaustive protection program - it takes care of the minimum insurance requirement as per law, and can also offer a host of other benefits. Should any unforeseen mishap strike your car, we don’t want the cost of repair to be a burden on you; let our insurance product take care of it.
Purchasing car insurance should be easy, just like driving down a smooth highway! Keeping this in mind, we have designed an online purchase process that you can follow to get Honda Civic car insurance without breaking a sweat. All you have to do is drop by our website and follow the steps mentioned below.
Its registration number and registration date, the kind of fuel it uses, the model variant you have & other details helps us create better coverage options for you.
Based on your information, we will provide you with quotes on different plan options. You can choose a plan that best fits and also alter the coverage through add-ons & numerous other customizable features.
Finally, you just have to pay the premium amount and we will send the policy documents to you in minutes.
You are more than welcome to visit one of our branches to purchase a car insurance policy for your Honda Civic. However, the online mode of buying the policy has certain advantages over a branch visit. Some of these benefits include:
You are more than welcome to visit one of our branches to purchase a car insurance policy for your Honda Civic. However, the online mode of buying the policy has certain advantages over a branch visit. Some of these benefits include:
You can buy the policy from the location and at the time of your choice. The convenience makes buying insurance a matter of minutes for you.
It eliminates the need for physical paperwork. You get your insurance policy documents in your email, which you can print if needed.
Car Insurance provides coverage against:
Damages and losses that may arise out of collisions & accidents.
Coverage against losses incurred when your car is stolen.
Damages and losses caused to due to an accidental fire.
Damages and losses due to acts of nature such as floods, cyclones, etc.
Offers sum assured up to 15 lakh, with a cover against accident leading to death or disability of the owner
Pays for property damages and injuries caused by your car.
Here are some recommended add-ons that can widen the coverage of your Honda Civic car insurance policy.
Your car can depreciate by up to 40% in 4 years. Therefore, after 4 years, you will only get 60% of the car’s value or total repair costs in case of a claim. To avoid this, you can opt for the zero depreciation add-on with your Honda Civic insurance policy. This will safeguard your car from depreciation and ensure you get complete compensation in case of a claim.
The Civic is an extremely reliable car. However, even the best cars in the world can experience a mechanical breakdown. This is why it makes sense to include the Roadside Assistance add-on with your Honda Civic insurance. It will ensure that, if you are ever stranded due to mechanical failure, you can get help with just a single call.
This is another important add-on you can opt for with your Honda Civic car insurance policy. This add-on protects the important parts of your engine such as the crankshaft, piston, pins, cylinder, gearbox, and so on from damage. This add-on is especially useful if you live in a low-lying area where flooding could damage your car’s engine.
If you drive safely and do not make a claim against your policy, you are entitled to a discount when you renew your plan. This discount is known as No Claim Bonus or NCB. If you continue driving safely and maintain your claim-free record, you could enjoy an NCB discount of up to 50%. However, make a single claim and your NCB discount is lost. If you wish to retain your NCB despite making a claim, you can opt for the No Claim Bonus protector add-in with your Honda Civic car insurance policy. This will ensure the NCB you’ve accumulated for years, is not lost when you make a claim.
With the return to invoice add-on, in case of total loss or theft of your vehicle, the insurance provider will pay the on-road price of your car as compensation. Whereas, with a normal plan, you would only get the IDV (on-road price minus depreciation) of your car and this decreases every year!
These are some of the standard exclusions of car insurance in India.
In the case of a Third-Party or Liability Only Car Policy, damages to own vehicle won’t be covered.
You were driving drunk or without a valid driving licence.
You hold a learner’s licence and were driving without a valid driving licence-holder in the front passenger seat.
Any damage which is not a direct result of the accident (e.g. after an accident, if the damaged car is driven incorrectly and the engine gets damaged, it will not be covered)
Any contributory negligence(e.g. damage due to driving a car in a flood, which is not recommended as per the manufacturer’s driving manual, will not be covered)
Some situations are covered in add-ons. If you haven’t bought those add-ons, the corresponding situations will not be covered.
If you want to give your car complete protection, on and off the road, you should purchase this type of Honda Civic car insurance. This is because, comprehensive plans are made of two components, third party cover and own damage cover. This means that they provide everything that third party insurance does.
But, along with this, comprehensive plans also protect your car. These plans offer coverage against damages and total loss of your vehicle due to accidents, acts of nature, theft, and other manmade calamities. Comprehensive car insurance also allows you to choose from different add-ons that widen the coverage of your plan and provide you with increased protection from perils of the road.
If you want to give your car complete protection, on and off the road, you should purchase this type of Hyundai I10 car insurance. This is because, comprehensive plans are made of two components, third party cover and own damage cover. This means that they provide everything that third party insurance.
But, along with this, comprehensive plans also protect your car. These plans offer coverage against damages and total loss of your vehicle due to accidents, acts of nature, theft, and other manmade calamities. Comprehensive car insurance also allows you to choose from different add-ons that widen the coverage of your plan and provide you with increase protection from perils of the road.
You should know these important car insurance terms before you buy a Honda Civic car insurance policy.
Premium is the cost of your Honda car insurance policy. It is the amount you have to pay to enjoy car insurance coverage. It is usually payable annually, except for the case of long-term plans, where it is usually paid once every 3 years.
The financial protection provided by your insurance policy is known as coverage. The coverage of a car insurance policy will vary based on the insurance provider and the type of plan you purchase.
Add-ons are extra amounts of financial protection that you can purchase to widen the coverage of your Honda car insurance policy.
IDV stands for Insurer Declared Value. It is the listing price of your vehicle minus depreciation. In case of a total loss of your vehicle or theft, IDV is the maximum compensation your insurance provider will offer.
No claim bonus, or NCB, is like a reward for not making a claim. It is a discount you enjoy when you renew your plan after a claim-free year. This discount will keep increasing for every claim-free year. You can avail a maximum discount of 50% year after year for not making any claims against your policy.
Simple, just use the car insurance premium calculator. This online tool allows you to check the premium of your Hyundai I10 car insurance policy using some very basic information. To calculate the premium, you must provide the following details:
Until recently, innovation and insurance were rarely used in the same sentence. However, we have made it our mission to change this. At IFFCO-Tokio General Insurance Co. Ltd. we are bringing in technology to provide you with car insurance that’s quicker and more convenient.
One of the ways we’re doing this is through our QCS app, which puts a host of our services at your fingertips! You can submit claims using your nothing but your phone and get up to Rs. 50,000 in compensation in just 4 hours.
With close to 20 years of experience in the insurance industry, we have settled more than 8 lakhs claims (in FY19) with a settlement ratio of 92.65%. This is just one of the reasons why 1,00,000+ individuals entrust us with their car insurance needs.
We provide cashless services in more than 4300 garages, which are evenly spread across the country.
We offer a QCS facility under which motor insurance claims get settled seamlessly within minutes.
For 19 years, we have been servicing our customers with a wide range of insurance policies.
We settled a total of 8.61 lakh claims in FY2019 and have a claim settlement ratio of 92.65%
IFFCO-Tokio won the 2019 IDC Digital Transformer Award for India for AI-based claim assessment of damaged vehicles.
Our policies can be brought from more than 20,000 agents and branches having a wide presence throughout the country.
Through our QCS App: If you wish to make a claim for compensation, you can do so using our QCS (Quick Claim Settlement) App. All you have to do is upload the photos, documents, videos, etc., of the damages you want to make a claim for. We will review the documents you upload and approve your claim (we have a claim settlement ratio of 92%). After this, the estimated amount for repairs will be sent to your bank account in just 30 minutes. Note that for claims made through the app the maximum claim amount will be Rs. 50,000.
Online/telephonic claims: You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499.
To make a claim online, you will have to log in with your registered Email ID and Password. When you log in, just find the ‘make a claim’ option and follow the steps mentioned. If you register a claim over a call, our customer care executives will guide you with the further procedure.