IFFCO Tokio Two Wheeler Insurance Policy

• Loss/damage cover for two wheeler insured
• Cover for third party legal liability
• Personal Accident Cover for Owner cum Driver
• No Claims Bonus benefit is available
• Cashless claim facility available at network garages across India
• 24x7 claims settlement assistance

Own Damage Cover

Loss or damage to the vehicle insured are covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 1 lakh is payable towards personal accident cover during any one period of insurance.

No Claim Bonus

In case of a claim-free policy year, No Claim Bonus (NCB) of upto 50% is offered on policy renewal. NCB can availed under a policy, when it is renewed within 90 days post the date of expiry of the policy.

No additional cover/add-ons can be opted under this policy.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the Limitations specified
• Claims arising out of contractual liability
• Mechanical/Electrical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• War, invasion, act of foreign enemy
• Loss/damage caused by or arising from nuclear weapons material, etc.