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Toyota car insurance review

Find out the key features of Toyota car insurance, plus pros and cons of this cover.

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By

Esther Wolffowitz

Updated

Fact checked

Toyota car insurance isn’t just for those who own Toyota’s vehicles. It offers a range of features so all drivers can get a policy that provides the cover they need.

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What is Toyota car insurance?

Toyota Motor Insurance is a division of the Japanese car manufacturer that offers car insurance for Toyota owners and other car owners.

What are Toyota’s cover options?

Toyota offers three different kinds of policies that offer differing benefits:

  • Comprehensive car insurance. This policy offers the maximum cover with a range of benefits that will cover you in several situations.
  • Toyota SMART Cover. This policy will cover you for minor dents, chips and scuffs that occur in everyday use.
  • Purchase Protection. This policy is useful if your car is written off due to an accident. It covers the gap in funding if you need to buy a new vehicle. The gap is the difference between the market value your insurer pays out and what you originally paid for the car.

What’s covered under my policy?

Toyota car insurance policies cover you for a range of situations such as:

  • Courtesy car provided while your vehicle is being repaired by one of our approved repairers.
  • If you make a claim for an accident that isn’t your fault and the driver of the car that hit you isn’t insured, you won’t lose your no claims discount or have to pay an excess.
  • Complimentary comprehensive cover for up to three days while driving in the EU, with the option to extend the cover period to 90 days for an additional premium.
  • Personal effects cover up to £500.
  • Medical expenses cover up to £500.
  • If you have a child seat fitted in your car and your car is involved in an accident or damaged following fire or theft, the policy will pay for the cost of a replacement, even if there is no apparent damage.
  • Unlimited cover for your Toyota original fitted audio and navigation equipment.
  • Cover for loss of keys (includes vehicle, house and office keys).

How much does car insurance from Toyota cost?

The cost of car insurance varies depending on a number of factors, including the value and make of your car, where you live and the level of cover you’re after (including any added extras).

How do I make a claim?

If you get into a car accident, it’s vital you call the 24/7 hotline as soon as possible after the accident to make your claim on 0344 243 8904. In order to speed up your claim, it helps to collect all the relevant information so you can file your claim. You’ll need full details of the other drivers, including their phone numbers and the registration numbers of all vehicles involved, as well as photographs of the immediate damage to your vehicle.

Pros

  • Provides a courtesy car as standard as long as you use an approved repairer.
  • If you’re a Toyota owner, you’ll have peace of mind knowing you’ll get genuine Toyota parts and only Toyota Motor Insurance approved repairers.
  • Named drivers on a policy can earn their own Named Driver No Claims Discount which can be used when they take out their own policy with Toyota.
  • If you make a claim for an accident that isn’t your fault and the driver of the car that hit you isn’t insured, you won’t lose your no claims discount or have to pay an excess.

Cons

  • Toyota Motor Insurance ‘s website has no information on how to file a claim.
  • Toyota doesn’t seem to offer optional extras you can add on to your policy.

Verdict

Toyota car insurance is a solid choice for anyone looking for a comprehensive car insurance policy with all the works. Plus with complimentary cover for up to three days while driving in the EU, it also could be a good option for anyone who regularly makes short trips to Europe.

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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (March ’23). 51% of car insurance customers could save £407.05

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