New India Assurance Car Insurance

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New India Assurance Car Insurance
  • 3000 Cashless garages

  • Plan starting @ ₹ 2094#

  • 95% Claim settlement ratio

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      New India Assurance Car Insurance

      Purchasing a New India Assurance car insurance policy is a good way of protecting your car from any unforeseen damage. You invest a big amount when you purchase a vehicle, hence it becomesthe responsibility of the owner to keep it covered from any unforeseen, unwanted expenses coming out of an accident.

      Read more

      About New India Assurance Insurance Company

      The New India Assurance Co. Ltd is a wholly-owned subsidiary of the Indian Government and is a multinational insurance contributor present in 25 countries and a market leader in the non-life insurance sector in India based in Mumbai.

      Strong domestic and international presence, a wide range of insurance plans, effective and advanced technology, and an integrated complaint management structure are some of the keys to the company’s success. And last but not least, The New India Assurance Co. Ltd is the only insurer that is considered as the direct insurer in India.

      Key Features of New India Assurance Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 95%
      Personal Accident Insurance Up to Rs. 15 Lakh
      Network Garages 3,000
      No Claim Bonus Yes
      No. of Zero Dep Claims Unlimited
      No. of Comprehensive Claims Unlimited

      Benefits of New India Assurance Car Insurance

      Here are some of the benefits of the New India Assurance car insurance policy:

      • New India Assurance has a big network of garages that you can visit for the repairing of your damaged car, and they will pay the bill on your behalf except for the deductibles.
      • To enhance your coverage, you can choose from the available add-ons by paying an extra amount in your premium as per the cost.
      • The insurance company provides 24*7 assistance to the policyholder.
      • The claim settlement ratio of New India Assurance car insurance is 95%.

      Types of New India Assurance Car Insurance Policy

      New India Assurance car insurance offers three types of car insurance plans. They are as follows:

      1. Liability-Only Car Insurance

        A liability-only plan is a third-party car insurance policy that provides coverage to the policyholder for third-party liabilities only. Liability is covered for an unlimited amount with respect to death or injury and damage to third-party property for Rs 7.5 lakhs.

      2. Comprehensive Car Insurance

        The package plan is a comprehensive car insurance policy that provides coverage to the policyholder for their car's own damages along with the third party. Damages from accidents, calamities, fire, and theft are covered under this plan. With this plan, a policyholder can also purchase add-ons to enhance the coverage.

      3. Standalone Own Damage Policy

        A standalone OD policy for private cars can be purchased if you already have a third-party policy and want to extend coverage to your own car as well. This plan covers the insured vehicle against damages arising out of unforeseen incidents like theft, fire, road accidents, etc.

      New India Assurance Car Insurance Premium Calculator

      While purchasing the New India Assurance car insurance, you have the option of calculating the premium amount using the online premium calculator to check if the car insurance plan fits your budget.

      Coverage Under New India Assurance Car Insurance

      • Theft: This plan covers the expenses arising out of burglary, housebreaking or theft.
      • Fire: The National India insurance plan covers the expenses which are incurred under fire or explosion. self-ignition as well as lighting.
      • Malicious Act: The Package plan covers even the malicious act as well.
      • Natural Calamities: Natural calamities like earthquakes, cyclones, tornadoes, and hurricanes are covered.
      • Accidental Damage: Accidental damages by external means.
      • Slides: Landslides or rockslides are covered under the package plan.
      • Consequential Loss: The company does not provide coverage for any kind of consequential loss.
      • Wear and Tear: Normal wear and tear of the car is not covered under the New India Assurance car insurance policy.
      • Invalid Driving Licence: If the driver of the car is found driving the car without a driving licence at the time of the accident
      • Drunk Driving: If the driver was under the influence of alcohol. 
      • Loss Due to Civil War: Any kind of loss or damage caused to the car in a civil war or war-like situation, the insurer will not provide coverage for it.
      • Usage Beyond Private Purposes: If the car gets damaged while being used for commercial purposes, then the insurer will not provide coverage for it.
      • Usage Beyond Specified Borders: If the car gets damaged beyond the area specified in the policy documents, then the insurer will not provide coverage for it.
      • Tyre Damages: The company will not provide coverage for any kind of tyre damage.
      • Damage Due to Race: Any loss or damage caused to the car while participating in an organised race.
      • Consumable Cost: The insurer will not provide coverage for any of the consumables cost.
      • Engine Damage: The insurer will not provide coverage for the damage caused to the engine in a non-accidental case.

      New India Assurance Car Insurance: Add-Ons
      Zero Depreciation Cover

      Zero Dep add-on cover provides coverage against the depreciation amount of your car. 100% coverage

      for the metal and plastic parts but 50% coverage for tyres, tubes, and batteries.

      Read more
      No Claim Bonus Cover

      No claim bonus is like a reward the insurance company offers to the policyholder for not raising any claim during the policy tenure.

      The percentage of reward starts from 20% to 50%, which you can avail of at the time of renewal.

      Read more
      Return to Invoice Cover

      With the return to invoice add-on, the cover policyholder can get the invoice price for the car after raising a claim, meaning the insurer pays the amount you paid when you purchased the vehicle.

      However, the insurance company only offers this add-on for cars less than Rs 20 lakh as the invoice price.

      Read more
      Engine and Gearbox Protection Cover

      Engine protection add-on cover provides coverage for the engine and gearbox in case of oil leakage as well as the ingress of water.

      However, the policyholder cannot purchase this add-on if the car is more than 5 years old since the day it came out of the showroom.

      Read more
      Roadside Assistance Cover

      In case the insured car gets stuck somewhere while on the road, the insurer provides coverage for the roadside assistance required

      as well as sends them to that location.

      Read more
      Personal Belongings Add-on

      This add-on provides coverage for the loss or damage of personal belongings in case of theft or accident.

      However, coverage of up to Rs 20,000 is provided, plus 20% of the sum insured.

      Read more
      View more Add-ons

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
      Car Insurance
      Zero Depreciation Car Insurance
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      Compulsory Personal Accident Cover
      Car Insurance
      Bumper to Bumper Insurance
      Car Insurance
      NCB Protector Add-On Cover
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      Bundled Policy
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      Roadside Assistance Cover
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      Return To Invoice
      Car Insurance
      Multi-Year Car Insurance
      Car Insurance
      Engine Protection Cover
      Car Insurance
      Personal Possessions Cover
      Car Insurance
      Voluntary Deductible in Car Insurance
      Car Insurance
      Key Replacement Cover
      Car Insurance
      Daily Allowance Cover
      Car Insurance
      Tyre Protector Cover
      Car Insurance
      Rim Damage Cover
      Car Insurance
      Car Accessories Cover

      How to Renew New India Assurance Car Insurance?

      New India car insurance policy comes with a validity of 1 to 3 years. It is important to renew the car insurance policy before the expiry date to keep on getting the coverage benefits of the policy. Here are the steps you can follow to renew the New India insurance policy.

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

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

      Step 3: Enter your car number in the given form

      Step 4: Select your car details such as make, model, variant, etc

      Step 5: From the given New India Assurance car insurance renewal plans, choose the desired plan along with add-ons and accessories

      Step 6: Now you will enter the payment page where you can make the payment of the renewal of your car insurance policy by using a debit/credit card, UPI or net banking.

      Step 7: Once the payment is complete, the insurer will update your car insurance policy and send it to your registered email ID as well as to your address.

      How to File a Claim Under New India Assurance Car Insurance?

      To raise a claim under New India Assurance car insurance, follow the steps given below:

      1

      Inform the Insurance Company:

      Make sure to inform your insurer about the mishap so that they can begin at their end.

      2

      Take Pictures:

      It is suggested to click the pictures of damages as it helps the insurer in the further process.

      3

      Do Keep your Documents Handy:

      To begin the claim process, you have to fill out the claim form and attach the required documents, so it is advised to keep the documents ready to make the claim process quicker.

      4

      Inspector’s Visit:

      Once you have submitted the claim form, the insurer will send a team of inspectors to inspect the loss and damage caused

      5

      Compensation Provided:

      If you get your car repaired in one of the network garages, then the insurer pays for the repair on your behalf. However, if you get your car repaired in a non-network garage, then you have to pay the repair bill, and later on, the insurer provides reimbursement for the paid amount.

      Documents Required to Raise a Claim Under New India Assurance Car Insurance

      These documents that are to be submitted at the time of registering a New India car insurance claim are as under:

      • Duly filled claim form
      • Copy of Driving License
      • Certificate of Registration
      • Road Tax verification
      • Police FIR
      • Claim intimation received by the insurer
      • An estimate of repairs and a stamped receipt 
      • Copy of the plan and receipt of payment of premium
      • Fitness certificate
      • Repair bills done at authorised garages
      • Repair bills done at authorised garages

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      (Based on 63 Reviews)
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      New India Assurance Car Insurance Reviews & Ratings

      4.5 / 5 (Based on 63 Reviews)
      (Showing Newest 10 reviews)
      Rajan
      Chandigarh, February 21, 2024
      Attractive features
      I came across Policybazaar while browsing through car insurance plans for my Honda city car and I was able to compare a lot of plans with ease. I found New India Assurance plan the best fit as it includes roadside assistance coverage since I travel a lot to mountaneous areas.
      Srinath
      Mahabalipuram, February 07, 2024
      Easy to compare
      I finally found the best coverage for my new Kia seltos HTX car at a very low cost. Everyone I talked to regarding car plan suggested me Policybazaar and Mr. Naresh agent helped me on choosing me comprehensive plan of new india assurance company was giving me all the features I wanted such as accidental damage, engine protection cover and zero dep.
      Rajbir
      Ambala, January 29, 2024
      Multiple payment options
      After comparing a lot of options I purchased New India Assurance Car Insurance Policy for my Swift Dzire. They have several secured payment options which I think is the most important thing. I found it very convenient making the payment and got all the facilities and a great work done here.
      Ritesh
      Chandigarh, January 27, 2024
      Geat Plan
      While searching for best options for a car insurance for my Toyota Glanza 2022 make model, I saw many positive reviews of Policybazaar. Bought New india assurance own damage plan for my car from them. Great coverage and amazing support!
      Rudar
      Nagpur, December 08, 2021
      Less paperwork
      Earlier I used to think that buying a policy takes a lot of time and paperwork but when I went to Policybazaar for car plan, an executive told me that I do not have to do much paperwork and can easily buy the plan. i bought new India car plan from policybazaar.
      Dev
      Chamba, November 26, 2021
      Renewal is easy
      I did not have much knowledge of policy. I contacted the customer care of Policybazaar to know about the documents required for renewal and the executive told me that the renewal process does not require any paperwork and I renewed my car policy easily.
      Pashu
      Lucknow, November 10, 2021
      Problem resolving
      I am using new india assurance car Insurance which i had taken from Policybazaar and sometime back I was facing some issue for which I contacted customer care. I must say that the staff of Policybazaar is very good in customer management. i got the solution in a single conversation
      Sonakshi
      Shimla, November 02, 2021
      Cashless repair
      Last year I bought New India Assurance Car Insurance from Policybazaar. I had a minor accident sometime back and my policy helped me get cashless repairs for my insured car and as it had coverage for the driver, so i got cashless treatment as well
      Mehar
      Gandhinagar, October 07, 2021
      No claim bonus
      Last week i was renewing my new india assurance car insurance which i had taken from Policybazaar and while renewing i got no claim bonus as i did not raised any claim request. Policybazaar provided me too good service.
      Yagnesh
      Mangalore, September 08, 2021
      Good service
      I recently bought a new car and a friend of mine suggested me to insure my car. after searching a lot, i connected with Policybazaar and got the New India assurance car insurance from here. they provided me very good service.

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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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