Q1. Is New India Assurance comprehensive car insurance costly than the third party liability policy?

Ans: Yes. The premium of comprehensive car insurance is higher than the premium of third party car insurance as it offers wider coverage to the car owner.

Q2. Is New India comprehensive car insurance compulsory to buy?

Ans: No. Buying a comprehensive car insurance policy is not mandatory as the Motor Vehicles Act, 1988 only mandates third party insurance cover for all cars plying in India. This legal requirement can be fulfilled by buying a third party liability policy too. However, buying a New India comprehensive car insurance policy can help you get wider coverage and better protection for your car.

Q3. Should I buy New India comprehensive car insurance or a third party liability policy?

Ans: If you have a new or expensive car, buying a New India comprehensive car insurance policy is more beneficial as it will cover you for the high cost of repairing or replacing the car. But if your car is old and used occasionally, you must buy a New India third party insurance policy.

Q4. How much compensation will New India comprehensive car insurance provide in case of third party injuries?

Ans: There is no compensation limit under the New India comprehensive car insurance policy as the compensation amount to be paid is decided by the Motor Accidents Claims Tribunal.

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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.

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-party liabilities arising out of the insured car are Moreover, it also offers personal accident cover to the owner-driver of the car.
Fulfill Legal Mandate - It helps the car owner to abide by the motor laws of the country as buying car insurance 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.

Explore More Under New India Assurance

Coverage Under New India Assurance Comprehensive Car Insurance

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

What is Covered?
What is not Covered?

Damages that are covered under a New India Assurance comprehensive plan are:

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.
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.
Partial or total loss caused to the insured four-wheeler due to theft
Losses arising out of fire, explosion or self-ignition
Damages to the insured vehicle due to cyclones, typhoons or any other natural calamity
Damages arising out of manmade acts like strikes, riots, terrorist acts, etc.

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 of the owner/driver of the car
Loss or damages to the insured four-wheeler 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

Add-ons Under New India Assurance Comprehensive Car Insurance

To increase the coverage of a New India comprehensive car insurance policy, a policyholder can opt for addons at the time of car insurance renewal. These addons are:

Zero Depreciation Cover
NCB Protect Cover
Engine Breakdown Cover
Personal Belongings
Consumables Cover

Explore add-ons for your car insurance

Plans starting from @ ₹2,094/year^*

Car Insurance

Zero Depreciation Car Insurance

Car Insurance

Compulsory Personal Accident Cover

Car Insurance

Bumper to Bumper Insurance

Car Insurance

NCB Protector Add-On Cover

Car Insurance

Bundled Policy

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Roadside Assistance Cover

Car Insurance

Return to Invoice (RTI) in 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

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Car Accessories Cover

How to Purchase New India Assurance Comprehensive Car Insurance?

Follow the steps given below to buy New India comprehensive car insurance online from Policybazaar.com:

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 and sent to your email id within a couple of minutes.

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

The following documents are mandatorily required to make a claim under New India comprehensive insurance policy:

Car insurance claim form
Registration certificate of the vehicle
Copy of Police FIR
Repair bills and estimates of repair
Fitness certificate of the car
Driving Licence of the driver

FAQs

Q1. Is New India Assurance comprehensive car insurance costly than the third party liability policy?

Ans: Yes. The premium of comprehensive car insurance is higher than the premium of third party car insurance as it offers wider coverage to the car owner.
Q2. Is New India comprehensive car insurance compulsory to buy?

Ans: No. Buying a comprehensive car insurance policy is not mandatory as the Motor Vehicles Act, 1988 only mandates third party insurance cover for all cars plying in India. This legal requirement can be fulfilled by buying a third party liability policy too. However, buying a New India comprehensive car insurance policy can help you get wider coverage and better protection for your car.
Q3. Should I buy New India comprehensive car insurance or a third party liability policy?

Ans: If you have a new or expensive car, buying a New India comprehensive car insurance policy is more beneficial as it will cover you for the high cost of repairing or replacing the car. But if your car is old and used occasionally, you must buy a New India third party insurance policy.
Q4. How much compensation will New India comprehensive car insurance provide in case of third party injuries?

Ans: There is no compensation limit under the New India comprehensive car insurance policy as the compensation amount to be paid is decided by the Motor Accidents Claims Tribunal.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in