National Car Insurance

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National Car Insurance
  • 3100 Cashless garages

  • Plan starting @ ₹ 2094#

  • 93% Claim settlement ratio

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      National Car Insurance

      National car insurance can cover your car from legal liabilities and own damages that may arise due to unwanted incidents such as an accident, fire or theft. The policy is offered by the National Insurance Company, which is the oldest general insurance company offering economical car insurance solutions in India.

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      About National Insurance Company

      Being India's oldest general insurance company, National Insurance Company Limited was incorporated in Kolkata in 1906. It is among one of the four subsidiaries of the General Insurance Corporation of India, which is fully owned by the Indian Government.

      National Insurance Company aims to build relationships with its customers by offering a wide range of insurance products for motor insurance and other insurance sectors. The company has been serving car owners for years with its car insurance plans. Moreover, they are also known for their quick settlement of claims.

      Key Features of National Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 93%
      Personal Accident Insurance Up to Rs. 15 Lakhs
      Network Garages 3,100+
      No Claim Bonus Yes
      No. of Zero Dep Claims 2
      No. of Comprehensive Claims Unlimited

      Benefits of National Car Insurance

      National car insurance offers multiple benefits to its policyholders. Some of these are:

      • National car insurance offers a faster claim settlement with its 24*7 customer support service.
      • The company provides cashless claim settlement services in over 3,100 authorised network garages across India.
      • National vehicle insurance also covers towing charges as part of their package car policy.
      • To enhance the coverage of a car insurance policy, the company also offers several add-ons at an additional premium.
      • The company also offers a No Claim Bonus discount on motor insurance renewal.
      • National Insurance Company provides Personal Accident Cover to the policyholders as well.

      Types of National Car Insurance Policy

      National motor insurance offers three major types of private car insurance plans. They are:

      1. Annual Liability Only Policy

        National Car Insurance Annual Liability Only policy covers a policyholder against any legal liabilities arising out of third-party claims. It provides coverage for the car owner’s liabilities arising due to bodily injuries or the death of a third party person. It also covers the liabilities of the car owner for causing property damage to a third party.

        While liability coverage for causing property damage is limited to Rs. 7.5 lakh, there is no set coverage limit for liabilities arising out of the death or bodily injuries of the third party. This policy excludes covering the insured car against any damage.

      2. Stand Alone Private Car Own Damage Policy

        A standalone own damage private car policy can be purchased alongside a third party car insurance to cover own damages sustained by the insured car. This car policy provides coverage in case the insured car has met with an unforeseen contingency. These include road accidents, fire, theft, natural calamities and more.

      3. Annual Package Policy

        The Annual Package policy by the National Insurance Company provides comprehensive protection to an insured car by covering third party liabilities as well as any loss or damages sustained by the insured car. It covers own damage of the car arising due to collisions, disasters, theft, manmade unrest or fire, etc. It also covers any accidental injuries or death of the owner-driver of the car.

        Moreover, this policy can also be enhanced by purchasing add-ons at an extra premium amount.

      National Car Insurance Premium Calculator

      Before purchasing a National motor insurance policy, you can also calculate an estimated premium by using the car insurance premium calculator. This will allow you to find out if the policy fits into your budget or not.

      Coverage Under National Car Insurance

      • Fire and Explosion: Damages caused due to fire, shock, self-ignition, lighting and explosion are covered.
      • Theft: Any damage sustained by the insured car arising due to theft, housebreaking or burglary is included.
      • Natural Calamities: Natural disasters, such as earthquakes, floods, landslides, cyclones, storms, hailstorms, etc., causing damages to the insured car
      • Manmade Calamities: Manmade calamities, such as riots, strikes, etc., are included in the plan.
      • Terrorist Act: Any damage sustained by the insured car due to terrorist activity is included under a National car insurance plan.
      • Third-Party Legal Liabilities: Any legal liabilities of the policyholder arising out of causing property damage and bodily injuries to a third-party person by the insured car will be covered. It also provides coverage in case the insured car causes the death of a third-party person.
      • Accidental Damage: Damages arising due to an accident are covered.
      • Towing Charges: In case of an accident, any charges incurred by the policyholder for towing the damaged car from the accident spot to the garage.
      • In-transit Damages: Damages incurred by the insured car during transit by air, rail or waterways are covered.
      • Wear and Tear: A National motor insurance policy does not cover any loss or damages resulting from normal wear and tear of the car.
      • Invalid Driving Licence: Any loss to the insured car while driving with an invalid driving licence is excluded.
      • Mechanical & Electrical Breakdown: Any loss or damages incurred due to mechanical and electrical breakdown of the car will not be covered.
      • Consequential Loss: National Insurance car insurance does not cover any loss or damages caused to the insured car as an indirect consequence of a covered contingency. For example, any damages caused to the car tyres while being towed from the accident spot to the garage will be not covered.
      • Drunk Driving: Damages sustained by the insured car while the driver was drunk or under the influence of drugs are excluded from the National insurance policy.
      • War or Allied Perils: In case a war or warlike situation results in causing major loss or damages to the insured car, then, unfortunately, the insurance company will not compensate for it.
      • Contractual Liabilities: National car insurance will not pay for any liabilities arising out of any contractual work involving the insured car.
      • Commercial Use: If the insured car is being used for non-personal or commercial use and ends up suffering a loss or damage, then the insurance company will not pay for it.

      National Car Insurance: Add-ons
      Nil Depreciation Cover;

      The Nil Depreciation cover compensates a policyholder for the depreciation incurred by the insured car over time.

      This add-on cover provides 100% coverage for plastic and metal parts while 50% coverage for tubes, tyres and batteries of the insured vehicle.

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      Invoice Protect Cover

      Under Invoice Protect cover, the National car insurance will pay the policyholder a sum equal to the difference between the IDV and the current invoice price of the car.

      Return to invoice add-on works if there is a total loss or total theft of the insured car.

      Read more
      NCB Protect Cover

      The NCB Protect cover allows you to protect your No Claim Bonus discount even if you have previously made a claim during your policy tenure.

      With this add-on cover, you do not lose your NCB even after making a claim.

      Read more
      Engine Protect Cover

      By purchasing an Engine Protect cover, you can cover any loss or damage sustained by your car’s engine or its parts due to water ingression, flood or inundation.

      In addition to this, the cost of consumables used during repairs will also be covered by National car insurance.

      Read more
      Nil Depreciation Plus Cover

      The Nil Depreciation Plus cover adds an extra benefit to the Nil Depreciation cover by paying the policyholder the amount of depreciation

      deducted on the value of parts replaced and material component of painting charges in case of a partial loss claim of the insured car.

      Read more
      View more Add-ons

      Explore add-ons for your car insurance

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      Tyre Protector Cover
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      Car Accessories Cover

      How to Renew National Insurance Car Insurance?

      Renewing a National car online is a quick and easy process. Follow the steps given below for National car insurance renewal online:

      Step 1: Visit the official website of Policybazaar Insurance Brokers Private Limited

      Step 2: Select the “Car Insurance” tab from the homepage of the website

      Step 3: Now fill in the required details and proceed forward

      Step 4: Enter your policy expiry date and previous claim status

      Step 5: From the mentioned plans, find the National Insurance car insurance plan to be renewed. You can also check policy details here.

      Step 6: You can select your preferred add-ons and then select the plan.

      Step 7: Select No Claim Bonus discount and proceed.

      Step 8: Fill out the proposal form and proceed to payment.

      Step 9: Now make the payment for the National Insurance car policy renewal online using your preferred payment method.

      Step 10: Once the payment is complete, your motor insurance policy will be renewed. Your National Insurance car insurance renewal documents will be sent to your registered email address.

      How to File a Claim Under National Car Insurance?

      Follow the steps mentioned below to file a claim under a National motor insurance policy:

      1

      Report the Incident

      Immediately inform the National Insurance Company about the incident to register the claim.

      2

      Carry Relevant Documents

      Fill out the National car insurance claim form and attach the required documents. Make sure to carry all the relevant documents with you while registering the claim.

      3

      Vehicle Inspection

      An IRDAI licensed surveyor appointed by the company will inspect your car to estimate the loss and damage incurred by the vehicle.

      4

      Claim Approved

      If your car is repaired in an authorised network garage, then your insurer will pay for the cost incurred for repairs. In the case of non-network garages, you will first have to pay the bill garage bill, and the insurer will reimburse the bill amount later.

      Documents Required to Raise a Claim Under National Car Insurance

      To raise a claim under National motor insurance, make sure to carry the documents mentioned below:

      • Copy of Registration Certificate
      • Copy of valid driving licence
      • Estimate of repairs
      • Copy of permit
      • Copy of fitness certificate
      • Car insurance papers
      • Copy of Police FIR
      • Duly filled claim form

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      FAQs

      • Q1: What is the validity of a National car insurance policy?

        Ans: National car insurance will be issued with one-year validity and will have to be renewed every year. However, cars purchased post 1st September 2018 can be covered for three years under the bundled policy.
      • Q2: Do I get No Claim Discount on renewal?

        Ans: Yes. National car insurance will provide no claim discount on renewal for every claim-free year. The discount can be accumulated to a maximum of 50% if no claims are made for 5 consecutive years.
      • Q3: Can I renew National car insurance online?

        Ans: Yes. You can renew your national car insurance online by filling up the renewal form with the required details. Once you pay the premium amount quoted, your car insurance policy will be renewed.
      • Q4: Is car insurance by National car insurance good?

        Ans: Finding a car insurance company good is subjective and depends on a person’s personal choice. You can compare National car insurance with other motor insurance companies in India based on coverage, premium, incurred claim ratio, etc. You can easily compare different car insurance companies on Policybazaar.com.
      View more FAQ’s

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      National Car Insurance Reviews & Ratings

      4.6 / 5 (Based on 66 Reviews)
      (Showing Newest 10 reviews)
      Paramjeet
      Dehradun, February 11, 2024
      Add on cover
      I have customized my National own damage car plan with add ons for my new Honda City car. I have added Nil depreciation, ncb protect and invoice protect covers to my plan. Mr. Jitesh customer support executive was very helpful and helped me customize my plan through the website of Policybazaar.
      Satinder
      Chandigarh, January 08, 2024
      Great coverage
      Bought National car insurance plan from the Policybazaar for my Kia sonet. It was a comprehensive car insurance plan and covered third party liability as well as damages to my own car. I am happy with my purchase.
      Chand
      Guna, December 08, 2021
      Multiple payment methods
      There are a lot of benefits and features given under my National Car Insurance policy which I have purchased from Policybazaar. There are several modes of payment in PolicyBazaar. When I came to make the payment, Policybazaar gave me various payment options.
      Lakhan
      Firozabad, November 26, 2021
      High coverage
      I am so relaxed that i have invested to the right place. i have taken national car insurance in which i have got coverage against unfortunate events. the team of Policybazaar is very dedicated towards their work.
      Kartik
      Patiala, November 10, 2021
      Easy to compare
      I had to buy car insurance for my car. i searched a lot then finally i found national car insurance who were providing me best features within my budget and i bought it online through policy bazaar.
      Kavita
      Jagadhri, November 02, 2021
      High coverage
      I have compared quotes of various insurers. I liked the features of National Car Insurance as it was affordable and had high coverage. I have taken it from Policybazaar and whenever I get confused about certain things, the team helps me.
      Jatinder
      Jalandhar, October 26, 2021
      No claim bonus
      I took the National car insurance after a lot of searching. I am satisfied that I bought it from the right place. I got a small discount on the premium rate in the form of no claim bonus. smooth and fast process provided by the Policybazaar.
      Lata
      Mirzapur, September 14, 2021
      Superlative service
      I have had an amazing experience with Policybazaar. i got discount on the premium rate. i have taken national car insurance. I have got superlative service here. i would love to recommend it to others. extremely satisfied.
      Sonali
      Tumkur, September 13, 2021
      Budget friendly plan
      In my National car insurance policy, I have got road side assistance facility at anytime and at any location. In case of sudden emergency like damage or loss to the insured vehicle it will give me financial support.The premium rate of my plan came within my budget.
      Ronit
      Bellary, September 08, 2021
      Affordable plan
      After went through many car plans on the website of Policybazaar i chose National car insurance. they are providing me very good coverage and features within my budget. extremely satisfied with my plan.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

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