Key Features of National Car Insurance Policy

Get Car Insurance starting at only ₹2,094/year #
Car Insurance
Processing

National Insurance Company Limited is India's oldest and popular general insurance company, established in Kolkata in 1906. It is fully-owned by the Indian Government and is one of the four subsidiaries of the General Insurance Corporation of India. The company offers car insurance plans to car owners and is commonly known for its quick claim settlement process.

Read more

  • Renew policy in 2 minutes*

  • 20+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

Car Insurance

#TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Get Car Insurance starting at only ₹2,094/year #
Looking for Car Insurance?
    Other models
    Other variants
    Select your variant
    View all variants
      Full Name
      Email
      Mobile No.
      Secure
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Features of National Car Insurance

      There are two types of four-wheeler insurance plans offered by the National Car Insurance for all private cars, which comprise third-party liability cover and a comprehensive car insurance policy.

      However, to enhance the policy coverage, one can also buy add-on covers by paying an extra premium amount to the insurer and ensure extensive safety while driving their car on the road. There are 8 types of add-on covers available in their comprehensive car insurance plan.

      Moreover, the policyholders can earn a No Claim Bonus (NCB) discount for not raising a single claim in a policy tenure on their own-damage premium. They can use this discount at the time of policy renewal and can accumulate up to a maximum of 50% of every claim-free year.

      Key Features Benefits
      Cashless Network Garages 900+
      Emergency Assistance Available 24*7
      No Claim Bonus Up to 50%
      Claim Settlement Ratio 85.47%
      Add-on Covers 8 add-on covers available
      Personal Accident Cover Available up to Rs 15 Lakhs

      Add-on Covers for National Car Insurance

      National car insurance offers several significant add-on covers that are used to extend and enhance the coverage. By paying an extra little premium, these add-ons can be purchased with the standard car insurance policy. Here is a list of add-on covers available with National Car Insurance-

      1. Zero Depreciation Cover

        This is commonly known as Bumper to Bumper cover, which compensates 100% coverage for plastic and metal parts while 50% coverage for tyres, tubes, and batteries of the insured car.

      2. Return to Invoice Cover

        This is commonly known as Invoice Protect Cover. It is helpful at time of the theft or total loss of the insured car. The policyholder will receive a sum equal to the difference between the IDV of the insured car and the current market value of the insured car.

      3. No Claim Bonus Protection Cover

        The No Claim Bonus (NCB) protector cover helps in protecting the NCB discount even if the policyholder has raised a single claim during the policy tenure. Therefore, it helps in saving the NCB even after making a claim.

      4. Engine Protection Cover

        As the name suggests, this add-on covers the damage or loss sustained by the insured car's engine or its parts due to the water ingression or flood. Moreover, under this, the cost of consumables used during the repairs is covered by National Car Insurance.

      5. Consumables Cover

        A consumable add-on cover saves a huge amount of money on small and frequent repairs that require consumable parts of the insured car. Consumables refer to nuts, bolts, ball-bearings, lubricant & oil, coolants, etc.

      6. Key Replacement Cover

        The key replacement cover in car insurance comes in handy if the policyholder misplaces, loses or damages the original insured car keys. This National Car Insurance policy also covers the cost incurred to replace the lock-set if it is damaged. Also, if the key of the insured car is stolen, the insurer will provide coverage for the same. However, an upper limit is set as per the terms & conditions of the insurer.

      7. Nil Depreciation Plus Cover

        The Nil Depreciation Plus cover acts as an extra benefit to the Zero Depreciation cover by paying the policyholder depreciated amount deducted on the replaced parts or material components of painting charges of the insured car.

      8. Compulsory Personal Accident Cover for Owner Driver

        Another one is the PA cover for owner-driver that provides the cover against any accidental injuries to the owner-driver of the insured car under the National Car Insurance policy. The add-on helps to protect the owner-driver of the insured car if he/she suffers from injuries, permanent disability or fatal death in a road accident.

      Conclusion

      Before purchasing National Car Insurance online, you can easily calculate the premium online using the car insurance premium calculator available at Policybazaar.com. You will be able to find out if the car insurance policy fits into your budget. Moreover, you will be able to know which add-on cover is beneficial for you.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Search
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar

      Car insurance articles

      Recent Articles
      Popular Articles
      IDV in Car Insurance

      22 Feb 2024

      In layman's terms, the IDV full form is the Insured Declared Value
      Read more
      Must-Have Car Insurance Addons for Brand New Cars

      31 Jan 2024

      Investing in a full-coverage car insurance policy is essential for
      Read more
      No Claim Bonus (NCB) in Car Insurance

      29 Jan 2024

      No Claim Bonus (NCB) is a reward given by an insurer to a
      Read more
      How to Choose the Right Car Insurance for Your First Car?

      17 Jan 2024

      Buying their first car is no less than a milestone unlocked for
      Read more
      Things To Know Before Purchasing Sedan Car Insurance

      12 Dec 2023

      The type of four-wheeler you purchase also impacts its insurance
      Read more
      Check Vehicle or Car Insurance Status/Validity Online
      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your car must be
      Read more
      Getting Your Duplicate Car Insurance Policy is Easy-Here’s How!
      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your
      Read more
      Find Car Insurance Details By Registration Number
      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access
      Read more
      How to Transfer Car Insurance Policy?
      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer
      Read more
      Comprehensive Insurance Vs Third Party Insurance
      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due
      Read more

      #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.

      top
      View Plans
      Close
      Download the Policybazaar app
      to manage all your insurance needs.
      INSTALL