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National Car Insurance
  • claim ratio 127.50%
  • Cashless Network Garages
  • 2000 Branches
  • Easy & Hassle-free Process
  • 24x7 Assistance

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National Car Insurance

National Insurance is the oldest general insurance company in India. It was established on 5th December 1906 to deal with the different insurance needs of customers. The company is offering multiple insurance policies (around 300) to fulfill the different needs of the customers in order to become the most preferred choice of General Insurance. The company has a Pan India presence along with a foreign office in Nepal. The company has around 2000 offices & more than 15000 skilled employees serving at the pleasure of their customers. The company has a huge stockpile of policies such as car, travel, health & others at its disposal.

Types of National Car Insurance

National Insurance Company is offering multiple car insurance plans to deal with different needs of customers. Those plans are listed below:-

Liability Only Cover

If your vehicle hits a third party or damages his/her property, this cover will offer its protection against any legal liability. Only 2 factors come under its umbrella of protection. They are:-

  • Death/injury of the third party.
  • Coverage of property loss of the third party (up to Rs.7,50,000).

On a sad note, this plan will not pay for your car's damages.

Comprehensive Cover

This plan was specially designed to keep all parties happy. From the third person to co-passengers, all can reap its benefits. Let's have a clear understanding of its benefits:-

  • Own Damage Cover
    Natural/Man-made disasters can hit us anytime of the day. Obviously, we can't prevent them but we can assign someone to cover the damages after its fallout. This plan will cover the losses of your car if it is damaged by a disaster.
  • Personal Accident Cover
    As the name speaks, the driver and the co-passengers will get coverage after being in an accident.

Key Features and Benefits of National Car Insurance

National Insurance is the first one to introduce product customization, especially for rural and corporate customers. With this new idea, it has gained a lot of visibility. It is also the first insurance company to enter an alliance with Hero MotoCorp & Maruti, among many others. Along with its solid brand value, the company also brings a set of benefits to the table. They are mentioned below:-

Trusted Company

Trusted Insurance Company

With years of experience and loyalty to its existing customers, you can easily place your trust in this company. You won't be disappointed.

Expert Advisors

Expert Advisors

The company has a team of expert advisors who will be there to guide you from start to finish. These people are the stars of the company.

24*7 Customer Assistance

24*7 Assistance

The company has an elite team of support staff who are always stocked and ready to offer 24*7 help to its customers.

Easy Process

Easy Process

Whether it is to buy a policy or file a claim, it's a journey that will always be easy & unproblematic.

Cashless Network Garages

Cashless Network Garages

The company understands the need for cashless service that's why it carries a wide range of cashless network garages under its radar.

Around 2000 Offices

The company has around 2000 offices in India & Nepal just to reach wider sections of the society. You don't have to travel long distances to meet your fellow National Insurance mates.

Inclusions & Exclusions

Life is not fair so why should a car policy be? You will always find some of the inclusions & exclusions stuck with a car policy. Unfortunately, National car insurance is not so different. Below is a list of inclusions & exclusions that you should take a look at before filing a claim:

Inclusions

  1. Natural and man-made disasters such as theft, floods, storms, terrorist activities, strikes, riots, or malicious acts are liable to get the cover.
  2. The plan also offers coverage against third party liability and you don't have to pay any penny from your wallet.
  3. Damage caused while transiting via inland waterways, rail, air or road will also get the required cover.
and

Exclusions

  1. Wear and tear of the car that includes consequential loss, electrical and mechanical breakdown, breakages or other failures.
  2. Damage to the tires of the car, unless the vehicle itself is damaged in the process. In this case, the liability of the insurance company is limited to 50% of the repair costs.
  3. Driving while intoxicated with alcohol or drugs.

Add-on Covers

  • Zero Depreciation Cover: If the depreciated part of the car (metal, rubber, plastic, etc.) is repaired/replaced under 'own damage cover', the company will compensate the cost for the same. This is the sole benefit of having zero depreciation cover.
  • No Claim Bonus: You will get this discount/bonus (on premiums) if you don't file a claim in a single year (during the policy period). For example, 20% off on premium (for 1st claim-free year) to be settled for the 2nd year & so on.
  • Roadside Assistance Cover: Roadside emergencies such as flat tires, fuel support, low battery, etc. can hit you anytime of the day. This cover will take good care of your car when such a situation is upon your head.

How Can You Buy National Car Insurance Plan Online?

With great power comes great responsibility. Fortunately, National Insurance has understood this statement quite clearly. As a result of it, they have come out with a quicker online buying process & it is given below:

  • At the top of this page, you will find a quote section where you have to fill out the required information about the vehicle.
  • Click on 'Continue' & a list of quotes from the top companies will be visible to you.
  • Select National India Insurance, choose the best plan for yourself & make the payment.

National Car Insurance Premium Calculator

Well, when it comes to car insurance plan, it is always advisable to calculate the premium for the policy in advance. You can do the same by using PolicyX.com National car insurance calculator.

The car insurance calculator tool uses the following parameters as input:

  • Your details, the claim history, NCB earned age, profession, etc.
  • Details related to the car, such as make and model, engine capacity, the area of registration, date of registration, etc.
  • It offers an estimate of the premium in the form of a quote.
  • If you are fine with the quote then you can proceed with the purchase of the policy.

National Car Insurance Renewal Procedure

National Insurance Company Ltd. easily allows you to renew your car insurance plan. Just keep a track of the policy's expiry date and carefully follow the below-listed steps for a successful renewal:

  • Go to the National Insurance website and click on 'Motor Insurance'.
  • Click on 'Renew' to begin the renewal process.
  • Fill out your policy details & click on 'Renew Policy'.
  • Make the payment. You will get a 'payment successful' mail on your registered id.
  • Save the premium deposit receipt for future references.

Why Should You Renew National Car Insurance Policy Online?

Nowadays, online shopping has become quite common. From groceries to electronic appliances, everything can be bought with just a click of a button. Many car insurance companies have realised this trend and have created their own secure websites for policy shopping/renewal. This carries a lot of advantages which are listed below:

  • Security: The company offers a security system that matches global security standards on their online portals. This makes sure that confidential information is not compromised.
  • Cost-Effective: It is affordable to renew car insurance online as the company offers several discounts for the same. There are certain cost parameters that the company follows that includes the distribution and processing costs. Such costs are ignored by the company and treated as a discount for their customers.
  • Limited Paperwork: The online policy renewal process carries minimal paperwork.
  • Easy and Convenient: One of the most effective benefits of renewing insurance online is the hassle-free process. Everyone will be happy with it.
  • Backup of Policy Documents: Having an online repository with your policy documentation is useful as it is stored safely and can be easily retrieved when needed.

Necessary Documents For The Claim

Generally, there are 3 types of situations for which people file for claims.

  • Accident
  • Theft
  • Third-party

Every situation demands different documents and they are given below for your reference.

Documents For Accidental Claim

  • Use duly signed claim form.
  • Copy of RC, license & policy.
  • If required, submit the FIR (including vehicle number & person's contact details).
  • Original copy of the repair bill.
  • If you choose a cashless service, submit the invoice receipt.
  • In reimbursement cases, submit payment proof, original bill & estimate bill.

Documents For Theft Claim

  • Use duly signed claim form.
  • Copy of RC, license & policy with original keys.
  • Copy of FIR.
  • Duly signed Form 28, 29, 30 and Form 35.
  • A copy of the police's 'No Trace Report' of the insured car.

Documents For Third-Party Claim

  • Use duly signed claim form to register a claim.
  • FIR copy.
  • Copy of RC, license & policy.

Steps Required For Filing Claim

In case your insured vehicle is involved in a situation that qualifies for a claim, you have to follow the below-stated steps:-

  • You must inform the company/insurer as soon as possible.
  • You must fill the claim form with accurate details.
  • Submit the form along with the documents.
  • The insurance company will send a surveyor to assess the loss.
  • The insurance company will eventually settle the claim.
  • Please note the insurer can ask for more documents in case of any doubt.

National Car Insurance Review

Today, the market is full of car insurance providers who are actively competing against each other to capture a higher market share. Some are winning & others are losing. Sadly, that's the part of the game. However, National Insurance has always managed to keep itself on the winning side. How? Well, they have managed to gain the trust of the people via an amazing list of benefits. Hopefully, they will continue to do so in the future as well. So, National Insurance is a safe bet for your new/existing car.

National Car Insurance - FAQs

You can easily avail the NCB benefit by renewing car insurance with minimal information. Policy details are automatically retrieved to sync information and pass on the NCB rebate even though it was issued by a different insurer.

On buying online, you will get the advantage of documentation free renewal. Plus, you can easily receive an e-policy that can be printed for reference. National Insurance may offer periodic discounts for online payments. All these benefits work to your advantage.

The Motor Vehicles Act made it compulsory for all vehicle owners to have at least third party liability cover. It is applicable for all vehicles, even the ones that are not used very often.

Yes, National Insurance Company Ltd. provides a Personal Accident cover for the owner-driver of the insured vehicle. It can be purchased through the insurance company's website instantly. You can also renew the cover through the insurer's website.

The third-party insurance plan offers coverage to vehicles or property belonging to a third party in the accident not to damage to own vehicle. But when it comes to a comprehensive car insurance plan, it will provide the comprehensive cover you, your vehicle and the third-party liability as well.

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Last updated on 31-12-2019