Key Features of National Car Insurance Policy

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.

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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.


Before purchasing National Car Insurance online, you can easily calculate the premium online using the car insurance premium calculator available at 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.

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