Toyota Innova HyCross car insurance starting at just ₹308/month*
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Up to 90% Discount
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11,000+ Network Garages
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Buy, Renew & Claim on App
Toyota Innova HyCross Car Insurance
The Toyota Innova HyCross is a hybrid SUV widely recognised for its excellent road presence and seamless driving experience. Even with various safety features, your Toyota HyCross will need reliable insurance. That’s where we, IndusInd General Insurance (formerly Reliance General Insurance), step in!
Imagine driving through traffic when another vehicle sideswipes your car while you're focused on avoiding an obstacle. With our comprehensive car insurance, your damage repair costs will be covered, so you won’t have to worry about sudden out-of-pocket expenses.
With us, you get different coverage options and enhanced protection with 15+ add-ons*. You can buy your policy with just a few taps on our IndusInd Insurance app. You also get 24/7 support and guidance to the nearest network garage for cashless claims.
IndusInd General Insurance (formerly Reliance General Insurance) ensures its policyholders get tailored car insurance solutions. You can expect 24/7 customer support, a strong cashless garage network and various bonuses to keep your car protected at an affordable price.
15 plus add-on covers
Customise your Toyota Innova HyCross insurance.
Up to 3 years coverage
Get long and short term coverage
Video claims feature
File claims via the IndusInd Insurance app
24/7 Customer Assistance
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Why Do You Need Toyota Innova HyCross Insurance?
Legal Mandate
In India, you must have at least third-party liability car insurance to drive legally. This means that you have to purchase car insurance for your Toyota car, regardless of how often or rarely you drive it. If the police catch you driving without valid insurance papers, you could face a fine ranging from ₹2,000 to ₹4,000 and imprisonement for up to 3 months, depending on the nature of the offence.
Covers Accidental Repairs
The Toyota Innova HyCross is quite easy to manoeuvre within the city’s traffic and also offers an effortless driving experience on the highway. However, driving frequently on rough roads or carrying heavier loads can lead to needing more repairs. To safeguard against potential repair costs from accidental damage on unpaved roads, consider purchasing our car insurance for your Toyota.
Covers Car Theft
The risk of theft is a serious issue if you drive a brand-new Innova HyCross, which can be priced at up to ₹30.83 lakhs*. That's why you should consider getting comprehensive car insurance. It can save you from financial stress by reimbursing your policy's IDV amount if your car gets stolen. And if you add a Return to Invoice cover to your plan, the full invoice amount is reimbursed for a total loss.
Covers Natural Disasters
Your car is ideal for long drives, but in areas prone to extreme flooding, you should watch out for possible engine damage and rust. If you park your car in an area where it may be damaged by natural disasters like flash floods or cyclones, consider getting car insurance. Particularly, if you are worried about car engine damage, opt for our Engine Protection coverage to cover related repair costs.
Covers Fire and Related Damage
Fire-related hazards can occur if you stay in a region where temperatures soar during summer. Whether it is an unexpected fire due to overheating components or a short circuit in a parking space, these incidents can severely damage your vehicle and lead to expensive repairs. Fortunately, if you have a car insurance plan, it can protect you from the losses with minimal out-of-pocket expense.
Network Garages and Spare Parts
Even though Toyota Innova HyCross owners rarely struggle to find parts, the real challenge is ensuring that their preferred garage installs genuine replacement parts. Low-cost counterfeit parts can impact engine efficiency and hybrid system performance. Our authorised network garages source only original Toyota components, giving your HyCross the care it deserves.
Types of Toyota Innova HyCross Car Insurance Plans
Comprehensive Car Insurance
Comprehensive car insurance provides dual benefits - covering the repair costs of your own Toyota Innova HyCross and paying for third-party liabilities if you accidentally damage someone's property or injure them while driving. To enhance the scope of coverage, you can choose from our list of 15+ add-ons* that are designed to offer personalised protection.
Pay As You Drive Car Insurance
Pay-As-You-Drive is a distance-based car insurance that helps save big for occasional drivers. You can select a yearly driving cap from 2,500 km to 10,500 km*, and if you reach this limit, you can add an extra 500 km through a top-up. If the kilometres are unused, that automatically gets shifted to your next year. So, if you own multiple cars and are looking to reduce insurance costs, you may opt for this plan.
Third Party Car Insurance
Third-party car insurance is the most budget-friendly plan, protecting solely against damages to others' vehicles in case of an accident. It is the minimum legal requirement to drive a car anywhere in India. To ensure you comply with the law, you can purchase a 3-year third-party plan for your new car from our website. With this plan, you pay once and enjoy continuous coverage.
Own Damage Car Insurance
Standalone Own Damage (SAOD) car insurance offers financial support against repair expenses arising from accidents, natural disasters, theft, and fire-related losses. The policy helps maintain wider protection coverage for your vehicle. It can only be purchased if you already hold valid TP insurance.
IndusInd General Insurance provides tailored protection for a Toyota Innova HyCross regardless of how often it is being driven. So you can rely on our plans for cashless repair approvals nationwide.
Disclaimer: Please refer to the official policy documents for detailed information.
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 Disasters: Protection against damage from floods, cyclones, earthquakes, storms, landslides and other natural calamities causing harm.
Man-Made Events: Covers damage from riots, strikes, vandalism, terrorism, or any deliberate damage caused by other people.
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.
Personal Accident: Financial support for injuries, permanent disability, or death of the car owner while driving the vehicle.
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 HyCross 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 HyCross Insurance Add-On Covers
Add-ons are designed to amend the coverage of your base Toyota Innova HyCross insurance plan. You can choose them to get specialised coverage in exchange for a slightly heightened premium. For instance, the Engine Cover add-on can be useful if you think your car’s engine might be damaged during monsoons due to flooding.
Nil Depreciation Cover
This cover pays you the depreciation amount deducted from the market value of replaced parts during an accident repair. Innova HyCross owners can save money on it because replacing major body panels can be expensive.
Return to Invoice Cover
If you suffer a total loss from a major accident or theft, then the RTI cover offers you the full invoice value. It not only covers the ex-showroom price but also pays the registration fee, insurance premiums and road tax.
Tyre Protection Cover
You may need this if you often drive on poorly constructed roads. This is because your car tyres can accidentally bulge or burst due to sudden impacts from potholes or debris. This add-on will cover the cost of a replacement.
Pay As You Drive
A PAYD add-on determines your car insurance premium based on the actual kilometres driven. With us, you can select a range from 2,500 to 10,500 km*, and top up with 500 km* each time if needed.
Key and Lock Replacement
Reimburses the cost for replacing a lost, stolen or damaged car key (also applicable for smart-key reprogramming) and pays for lockset repairs. If you own a car like Innova HyCross, it is useful as the car has price key fobs.
Engine Protection Cover
Replacing a damaged engine component of a Toyota car after an accident or repairing vital gearbox parts like crankshaft, pistons, etc., is genuinely expensive. So, consider this add-on to reduce out-of-pocket costs.
24/7 Roadside Assistance
By taking it, you will have access to towing assistance, fuel delivery, battery jump-starts, and emergency flat-tyre replacements anytime through the IndusInd Insurance app. So, it is valuable if you often travel through remote areas.
Consumable Expenses Add-On Cover
It pays for consumables like oils, nuts, bolts, brake fluids, etc., that are used in any kind of repair. They cost up to 5-10% of your total repair bill. So, consider having this add-on if you often drive on unpaved roads.
Rim Protection Add-On Cover
Toyota Innova HyCross GX and the higher models like VX, ZX, and ZX(O) have cutting-edge alloy wheels. This add-on can help cover the repairing or replacing costs of rims on these models if they are damaged accidentally.
Daily Allowance Benefit
Suppose you take your car to our network garage after a road accident, and the repairs exceed three days. In that case, we will provide you with a daily cash allowance to pay for alternative transportation costs.
EMI Protection Cover
This add-on ensures that you never miss a pending EMI. It helps you pay the outstanding amount if any repair takes more than 21, 42 or 63 days*. So, it eases your financial stress while your car is being repaired at a garage.
Loss of Personal Belongings
Offers compensation if valuables like your phone, laptop or bags worth more than ₹5,000 are stolen from inside your locked Toyota car. So, this rider is valuable for whoever carries work gear in their car.
No Claim Bonus (NCB) Retention Cover
Allows you to retain your no-claim bonus discount even after you have made 2 claims* within a policy year. As a result, with the retained discounts, you can save on insurance premiums in the long run.
Voluntary Deductible
This add-on allows you to choose an amount that you agree to pay from your pockets in the event of a claim. Since this reduces the insurer's burden during claims, it helps you save on premiums.
Replacement Car
If your insured car is under repair and you need a vehicle, this add-on will come in handy. It provides you with a temporary replacement vehicle until the repair work is complete, reducing your expenes.
Preferred Network Garage Benefit
This add-on helps you get enhanced services during your car repair and quick claim services at our select preferred network garages. This is especially helpful if you live in a city where you have an easy access to such a network garage, making it convenient in case of a mishap.
EV Battery Protection
An EV’s battery is the single most valuable component, and replacing it can cost about as much as the car itself. That’s why we cover battery damage, whether it’s due to an accident, power surges, or water damage, so you’re not left paying a hefty repair bill.
Electric Motor Protect
Even a minor collision can require you to replace the entire motor unit, and repairs are also more expensive than a normal fuel-based model. So, in the event your hybrid variant gets damaged due to accidents or natural disasters, having this coverage can be a lifesaver.
EV Charger Cover
The charging unit, whether it’s portable or installed at your home, can be costly to replace. Hence, we cover damage from things like rodents chewing through the wiring, power surges, fires, or even theft to ensure your charging set-up stays secure and functional.
Hospital Cash Cover
With this add-on, you get a daily cash benefit in case you are hospitalised to get treatment for injuries caused by a car accident. This allows you to concentrate on your treatment and getting better without the stress of worrying about hospital bills.
Up to 90% Discount*
Quick Claim Survey
15+ Add-Ons*
Factors Affecting Toyota Innova HyCross Insurance Premium
Your Toyota Innova HyCross’s insurance premiums depend on various parameters. We choose these factors carefully to offer the best coverage options designed to protect your car under different driving conditions. Some of the factors are provided below to help you understand how to make the most out of your car insurance.
Innova HyCross’ IDV
Insured Declared Value (IDV) denotes the current market value of your car. When purchasing car insurance, increasing the IDV can ensure better financial compensation in case of damage due to an accident or other types of financial loss. You can adjust the IDV while buying or renewing your plan.
Type of Coverage
Whether you get third-party liability insurance or a comprehensive insurance policy also affects the premium. The latter option is more suitable if you prioritise coverage for your car in the event of an accident, total loss, natural disaster, or theft. Further customisations by buying add-ons may increase the premium slightly.
Optional Add-Ons
Add-ons offer tailored coverage, but they also increase the premium. The more add-ons you pick, the price of your insurance will likely go up. But over time, it can lead to savings, for instance, the NCB retention add-on enables you to retain no-claim bonus even after two claims, which lowers your plan renewal prices significantly.
Car’s Make and Model
Specific variants, like a hybrid Toyota Innova HyCross, can have higher premiums due to the high perceived cost of replacing or repairing specialised parts or the model itself in case of complete loss. Thus, depending on the model and it's overall risk of theft plays an important role in premium calculation.
Claim History
If you make a claim to repair your Toyota car, you will lose your no-claim bonus for the upcoming renewal cycle. Similarly, if you complete one or more claim-free year(s), you can pay less on the insurance renewal. Insurers may even increase your premium if they notice a record of frequent claims.
Installing Anti-Theft Devices
Using IRDAI-approved anti-theft devices on your Toyota Innova HyCross helps protect against theft and prevent any resulting loss or damage. As a result, it lowers your car insurance premium. We offer a discount on your insurance premium for installing these devices, providing you with additional protection for your car and saving money.
Toyota Innova HyCross Key USPs
Step 1: Inform Us
You must inform us within 24 hours and quickly register your claim through the IndusInd Insurance app or a seamless, hassle-free process claim.
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 IndusInd Insurance 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 claim 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 HyCross - Variants and Prices
With 14 variants available, the Toyota Innova HyCross offers practical performance and comfort. The recent GST rule implementation has lowered the ownership cost by up to ₹1.16 lakh since September 22nd.
Toyota Innova HyCross Models |
Average On-Road Price |
|---|---|
Toyota Innova HyCross GX (7-Seater) |
₹18.86 lakh |
Toyota Innova HyCross GX (8-Seater) |
₹18.91 lakh |
Toyota Innova HyCross GX (O) (7-Seater) |
₹20.25 lakh |
Toyota Innova HyCross GX (O) (8-Seater) |
₹20.12 lakh |
Toyota Innova HyCross VX (Hybrid 7-Seater) |
₹25.90 lakh |
Toyota Innova HyCross VX (Hybrid 8-Seater) |
₹25.95 lakh |
Toyota Innova HyCross VX (O) (Hybrid 7-Seater) |
₹27.84 lakh |
Toyota Innova HyCross VX (O) (Hybrid 8-Seater) |
₹27.89 lakh |
Toyota Innova HyCross ZX (Hybrid 7-Seater) |
₹30.20 lakh |
Toyota Innova HyCross ZX (O) (Hybrid 7-Seater) |
₹30.83 lakh |
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
Those already driving a Toyota Innova HyCross are likely to be highly satisfied with its blend of the traditional Innova heritage and a modern SUV appearance. While the car is built to withstand regular extended driving sessions, it is not fully immune to unforeseen events. Road accidents, natural disasters and even theft can lead to the need for heavy repairs or financial loss.
Thus, you can protect your Toyota Innova HyCross with a car insurance plan. With IndusInd General Insurance (formerly Reliance General Insurance), you can secure insurance coverage for your vehicle starting at just ₹308/month*. We protect you from claims raised by a third party when you are involved in an accident. Also, we ensure personalised own damage cover with over 15 different add-ons*. You can buy our policy online, renew or claim it effortlessly by using the IndusInd Insurance app. So, get your Toyota Innova HyCross insured without delay. Call us today for a tailored car insurance solution!
IndusInd General Insurance
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HyCross insurance starting at just ₹308 per month*!
Get Tailored Car Protection With Us!
Get all-around protection for your Innova Hycross 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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