New India Assurance Comprehensive Car Insurance

The New India Assurance Comprehensive Car Insurance policy provides all-round protection by covering both third-party liabilities and own damages of a car. It provides financial assistance to the policyholder if the insured car causes third-party accidental injuries/losses or sustains damages during an unforeseen incident.

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Benefits of New India Assurance Comprehensive Car Insurance

Take a look at some of the key benefits of buying a New India Assurance Comprehensive car insurance policy for a four-wheeler:

  • Extensive Coverage – It provides extensive coverage to the car owner as both own damages and third-partyliabilities arising out of the insured car are Moreover, it also offers personal accident cover to the owner-driver of the car.
  • Restricted Cover – This New India comprehensive car insurance policy comes with a restricted cover option that offers coverage to the insured car for third party liabilities, fire, and theft only.
  • Fulfill Legal Mandate – It helps the car owner to abide by the motor laws of the country as buying a car insurance policy is mandatory as per the Motor Vehicles Act, 1988.
  • No Claim Bonus – The insurance company also grants a No Claim Bonus for every claim-free year that allows a car owner to reduce the premium by at least 20% to up to 50% over a period of five years.
  • Add-on Covers – This comprehensive car insurance policy comes with several add-on covers, including passenger cover, car accessories cover, etc.
  • Cashless Repair Facility – The New India Assurance Company Limited provides cashless repair facilities at over 1200 network garages spread across India.

Inclusions of New India Assurance Comprehensive Car Insurance

The New India comprehensive car insurance policy comes with the following coverage:

  • Third-Party Bodily Injuries – It pays compensation to the third party on behalf of the car owner in case an accident caused by the insured car has resulted in bodily injuries or death of a third party person.
  • Third-Party Property Damages – It covers legal liabilities arising out of the insured car for up to Rs 7.5 lakh for causing property damages to third parties during an accident.
  • Own Damage Cover – It pays for the loss or damages sustained by the insured car due to unforeseen events, such as fire, theft, manmade disasters, natural disasters, accidents, etc.
  • Personal Accident Cover – It provides personal accident cover to the owner-driver of the car for up to Rs 15 lakh.
  • Towing Charges – It covers the cost of getting the insured car towed from the accident site to the repair garage for up to a maximum of Rs 1500.

Add-On Covers:

  • Car Accessories Cover
  • Personal Accident Cover for Passengers and Paid Drivers
  • Legal Liability to Employees
  • Higher Towing Charges Cover

Exclusions of New India Assurance Comprehensive Car Insurance

New India comprehensive car insurance does not cover the following:

  • Wear and tear of the car
  • Loss or damages to the car while using it commercially
  • Mechanical breakdown of the car
  • Claims arising out of contractual liability
  • Consequential loss
  • Loss or damages due to war or nuclear perils
  • Driving the car under the influence of alcohol
  • Loss or damages while using the car with an invalid driving license

Claim Process of New India Assurance Comprehensive Car Insurance

A policyholder car either raise a cashless claim or a reimbursement claim for the insured car. Here are the steps to raise a claim under the New India comprehensive car insurance policy:

  • Inform the New India Assurance Company about the mishap involving the car
  • File an FIR in case of theft or third party claims
  • The insurer will send a surveyor to assess the damages to the car.
  • Provide the documents and information asked by the surveyor
  • The surveyor will send a survey report to the insurance company.
  • Get the damaged car towed to the garage for repair
  • In the case of a network garage, collect the car after repair as the bill will be settled by the insurer directly.
  • In the case of a non-network garage, pay the repair bill at the time of collecting the car.
  • Raise a reimbursement claim with the insurer by submitting the required documents
  • The insurance company will verify the documents and pay the claim amount.

How to Buy New India Assurance Comprehensive Car Insurance Online?

Follow the steps given below to buy New India comprehensive car insurance online:

  • Visit the website of Policybazaar Insurance Broker Private Limited
  • Click on the icon of ‘car insurance’
  • Enter the car number or select the option to proceed without it
  • Provide the requested details of the car, such as RTO, make & model, registration year, etc.
  • Fill in the details of the car owner, including email id
  • Choose comprehensive cover under plan type
  • The New India comprehensive car insurance plan will be displayed along with its premium.
  • Pay the premium amount online
  • The policy will be issued within a couple of minutes.

New India Assurance Comprehensive Car Insurance FAQs

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