Toyota dealership claims only Toyota Protect Insurance covers hybrid battery & hybrid components

mathlesh · 20th July 2023, 18:04

I am going to get delivery of Hycross soon. The sales guy is saying that it's Toyota Protect insurance only which covers the hybrid battery and related components and no other insurance covers it [He is willing to give this in writing]. Can you guys tell me if this is true or not?

Abhijeetsinha · 20th July 2023, 19:23

Quote:

Originally Posted by mathlesh

I am going to get delivery of Hycross soon. The sales guy is saying that it's Toyota Protect insurance only which covers the hybrid battery and related components and no other insurance covers it [He is willing to give this in writing]. Can you guys tell me if this is true or not?

As far as I understand, battery has a 8 yer warranty from Toyota. At the tine of buying I too tried a no. Of permutation and combination, bajaj allainz was costing me half yet went ahead with Toyota protect for first year. Actually it is my most expensive vehicle till date so did not want to take any chance.

inwester · 20th July 2023, 19:31

Getting delivery of our ZX this week. Originally we had booked ZXO in Attitude Black color, in November 2022, but we're taking the Sparkling Black in ZX as ZXO isn't available and we're tired of waiting.

Couple of questions.

1) Can anyone who's fitted the roof rails post a picture if you have it? I want to fit it but not quite sure as it kind of looks cheesy.

2) They're offering 12 lakhs for our old Innova (2015 ZX, but not Crysta as we bought it right before the launch) as trade-in value. Is that good value? It has around 65k kms and no major accidents or issues.

Thanks in advance.

mathlesh · 20th July 2023, 20:08

Quote:

Originally Posted by Abhijeetsinha

As far as I understand, battery has a 8 yer warranty from Toyota. At the tine of buying I too tried a no. Of permutation and combination, bajaj allainz was costing me half yet went ahead with Toyota protect for first year. Actually it is my most expensive vehicle till date so did not want to take any chance.

Hi Abhijeet,

Is it possible to share what addons etc are included in your policy[Possible share pdf without PII data]? Sales guy quoting 141692 for my insurance.

Abhijeetsinha · 20th July 2023, 20:42

Quote:

Originally Posted by mathlesh

Hi Abhijeet,

Is it possible to share what addons etc are included in your policy[Possible share pdf without PII data]? Sales guy quoting 141692 for my insurance.

Will look for it and share. I took it in April,i paid 1.28 for my vx in Noida u.p. tried looking for policy. It's not at home maybe in car. Will upload later. Found this price list if it is of any help

hAwX · 20th July 2023, 21:11

Quote:

Originally Posted by mathlesh

I am going to get delivery of Hycross soon. The sales guy is saying that it's Toyota Protect insurance only which covers the hybrid battery and related components and no other insurance covers it [He is willing to give this in writing]. Can you guys tell me if this is true or not?

If he's willing to put that in writing, then it's probably true, right?
The insurance works differently from the 8-year warranty Toyota provides. In the event of an accident where the battery gets damaged, it will be covered by the insurance and not the warranty.

dineshnan · 20th July 2023, 21:28

Quote:

Originally Posted by mathlesh

I am going to get delivery of Hycross soon. The sales guy is saying that it's Toyota Protect insurance only which covers the hybrid battery and related components and no other insurance covers it [He is willing to give this in writing]. Can you guys tell me if this is true or not?

Agent who is offering me TATA AIG insurance for appox 78000/- confirmed with me that battery is covered. But clear wording on battery cover is nowhere mentioned in the quotation. He said it's not required as in fact whatever comes factory fitted is always covered under insurance, that's what he said. This is for ZXO. Also only 2 accidental claims allowed in the year.
My initial quote for Toyota protect was 171000/- which is now reduced after discount to 123000/- with unlimited number of claims with battery cover clearly mentioned. I am going ahead with it.

mathlesh · 20th July 2023, 22:17

Quote:

Originally Posted by dineshnan

Agent who is offering me TATA AIG insurance for appox 78000/- confirmed with me that battery is covered. But clear wording on battery cover is nowhere mentioned in the quotation. He said it's not required as in fact whatever comes factory fitted is always covered under insurance, that's what he said. This is for ZXO. Also only 2 accidental claims allowed in the year.
My initial quote for Toyota protect was 171000/- which is now reduced after discount to 123000/- with unlimited number of claims with battery cover clearly mentioned. I am going ahead with it.

Thanks. Can you please let me know the addons you got added at this price?

dineshnan · 20th July 2023, 22:55

Quote:

Originally Posted by mathlesh

Thanks. Can you please let me know the addons you got added at this price?

Zero dep/RTI/Engine & gear protect/Key protect/Tyre & Alloy/Personal belongings/Inconvenience allowance/Battery cover etc

mathlesh · 21st July 2023, 10:05

Quote:

Originally Posted by dineshnan

Zero dep/RTI/Engine & gear protect/Key protect/Tyre & Alloy/Personal belongings/Inconvenience allowance/Battery cover etc

Thanks, Dinesh. I am trying to negotiate on insurance but Toyota guy is saying that IDV etc might be different and hence the cost is different. Is it possible to share a copy of the insurance so that I can negotiate better? Please mask name, chases number, engine number etc.

Thanks in advance.

dineshnan · 21st July 2023, 10:20

Quote:

Originally Posted by mathlesh

Thanks, Dinesh. I am trying to negotiate on insurance but Toyota guy is saying that IDV etc might be different and hence the cost is different. Is it possible to share a copy of the insurance so that I can negotiate better? Please mask name, chases number, engine number etc.

Thanks in advance.

Let me try to attach the file.

mathlesh · 21st July 2023, 10:44

Quote:

Originally Posted by dineshnan

Let me try to attach the file.

Thanks, Dinesh. I assume this is an Excel sheet worked with Toyota. Sorry to ask whoever if possible share the insurance copy which you received from the showroom or insurance company

Aditya · 22nd July 2023, 07:03

Toyota Innova Hycross: Dealer claims only Toyota Protect insurance covers hybrid battery - Posts moved to a new thread.

Abhijeetsinha · 22nd July 2023, 08:45

Quote:

Originally Posted by Abhijeetsinha

Will look for it and share. I took it in April,i paid 1.28 for my vx in Noida u.p. tried looking for policy. It's not at home maybe in car. Will upload later. Found this price list if it is of any help

Here is my policy for your reference

GTO · 22nd July 2023, 08:54

He's a liar trying to make a quick buck. By law, if you opt for 'comprehensive insurance', it will cover everything in your vehicle. Unless the insurance policy explicitly mentions an exclusion of hybrid battery.

Expensive powertrain batteries are becoming increasingly common in India, thanks to Maruti-Toyota hybrids & Electric Vehicles. No insurer who wants to remain in business can exclude these.

20th July 2023, 18:04	#1
mathlesh BHPian Join Date: Feb 2023 Location: Rewari Posts: 33 Thanked: 23 Times	Toyota dealership claims only Toyota Protect Insurance covers hybrid battery & hybrid components I am going to get delivery of Hycross soon. The sales guy is saying that it's Toyota Protect insurance only which covers the hybrid battery and related components and no other insurance covers it [He is willing to give this in writing]. Can you guys tell me if this is true or not?
	(2) Thanks

20th July 2023, 19:31	#3
inwester BHPian Join Date: May 2009 Location: NY/Kerala Posts: 318 Thanked: 1,176 Times	Re: Toyota Innova Hycross Review Getting delivery of our ZX this week. Originally we had booked ZXO in Attitude Black color, in November 2022, but we're taking the Sparkling Black in ZX as ZXO isn't available and we're tired of waiting. Couple of questions. 1) Can anyone who's fitted the roof rails post a picture if you have it? I want to fit it but not quite sure as it kind of looks cheesy. 2) They're offering 12 lakhs for our old Innova (2015 ZX, but not Crysta as we bought it right before the launch) as trade-in value. Is that good value? It has around 65k kms and no major accidents or issues. Thanks in advance.
	() Thanks

22nd July 2023, 07:03	#13
Aditya Team-BHP Support Join Date: Feb 2004 Location: Mumbai Posts: 17,866 Thanked: 77,215 Times View My Garage	re: Toyota dealership claims only Toyota Protect Insurance covers hybrid battery & hybrid components Toyota Innova Hycross: Dealer claims only Toyota Protect insurance covers hybrid battery - Posts moved to a new thread.
	(1) Thanks

22nd July 2023, 08:54	#15
GTO Team-BHP Support Join Date: Feb 2004 Location: Bombay Posts: 70,559 Thanked: 300,928 Times View My Garage	Re: Toyota dealership claims only Toyota Protect Insurance covers hybrid battery & hybrid components He's a liar trying to make a quick buck. By law, if you opt for 'comprehensive insurance', it will cover everything in your vehicle. Unless the insurance policy explicitly mentions an exclusion of hybrid battery. Expensive powertrain batteries are becoming increasingly common in India, thanks to Maruti-Toyota hybrids & Electric Vehicles. No insurer who wants to remain in business can exclude these.
	(17) Thanks