The Vehicle Company – Toyota, is well reputed for building sturdy and luxurious cars which have the requisite strength and capability along with the extra wow factor. The Toyota Fortuner is its bestselling and premium segment SUV. Toyota Fortuner has done extremely well in the Indian market - due to its powerful engine, the impressive exteriors supported by strong manufacturing aggregates that are consistent with the Toyota Brand. .
The Indian Consumer has consistently become savvier and is better informed than they have been in the past. On purchasing a car such as the Fortuner, he is well aware of the need for a comprehensive car insurance policy. Insurance as a sector is regulated by the IRDAI (Insurance Regulatory and Development Authority) and there are several insurers from which a car buyer/owner could get insurance quotes.
You may look for the quote online on Insurance Aggregator sites or you may look at individual sites. Insurance brokers are also available to assist with any queries and help needed to purchase the fortuner insurance on the vehicle. As is the case with the availability of information in the digital age – the challenge may not be in gaining the requisite information but in sifting through it. Look for the following points.
Kinds of policies:
Third-Party policies – can satisfy the legal requirement of Insurance on a vehicle in India. But a comprehensive policy will include Standard as well as Third party policy features and provide you with Insurance cover in various situations. In third party policies, damage caused due to the negligence of third party other driver is covered. In a crowded country like India – this is quite a useful feature. When it comes to comprehensive policies, they will cover loss or damage to the vehicle due to natural and man-made disasters, loss due to fire, loss due to the theft of the vehicle, personal loss in case you are hurt in the accident, etc.
Additional facilities to be looked into:
Being in an accident is stressful enough. The Insurance companies of the day – not only help you cover the losses and expenses arising from vehicle repair but also alleviate the stress of being in an accident. With roadside assistance and a widespread network of garages where they offer cashless repairs – a good Insurance Company can be the best friend you need in a taxing time. The speed and record of claims being recompensed on the claim being made – also says a lot and so do look at this openly available record of the Company you choose to finalise.
You will have to understand the important terms such as IDV (Insured Declared Value), NCB (No claim bonus), deductibles (your own contributory cost towards making a claim), Add-ons – such as Zero Depreciation Value and Engine Cover, etc. This just sounds complicated – they are simple and easy terms and easily understood. Don't let a little research and reading stand in the way of understanding what you are getting and why in ‘Insurance’.
The Insurance Company will send you reminders – so you may make your Car Insurance Renewal on time – and continue to drive safely and stress-free.
Your Toyota Fortuner comes equipped with a powerful engine and is well suitable to travel long distances on rough roads. It is even preferred by adventure driver’s and may take on off-road driving. When you consider your usage – whether you intend to use your car as a safe and comfortable vehicle, or you enjoy inter-state driving, or off-roading is your passion. Explain your requirements and take a policy that will cover your particular kind of usage of this versatile car.