National Insurance Company Limited is India’s oldest public sector general insurance company, established in 1906 in Kolkata and wholly owned by the Government of India. Registered with the Insurance Regulatory and Development Authority of India (IRDAI Reg. No. 58), the insurer offers a wide range of general insurance products, with car insurance being one of its core and most trusted offerings. With a legacy rooted in nationalisation (1972) and decades of experience, National Insurance is known for strong claim credibility, extensive reach, and government-backed reliability in motor insurance.
Below are the major policy highlights, coverage details, and add-ons available with National Car Insurance.
| Features | Details / Specification |
|---|---|
| Third-Party Liability Coverage | Covers legal liability for bodily injury/death and property damage to third parties (as per IRDAI norms) |
| Own Damage Coverage | Yes – Covers loss or damage to your car due to accident, fire, theft, natural/manmade calamities |
| Zero Depreciation Claims (No Dep) | 2 claims per policy year available with applicable add-on |
| Unlimited Claims | Unlimited non-zero dep claims allowed under policy |
| Network Garages (Cashless Claims) | 3,100+ authorised garages across India |
| Personal Accident Cover (Owner-Driver) | Up to ₹15 Lakh (as part of package/standalone OD policy) |
| No Claim Bonus (NCB) | Yes — discount on premium for claim-free years (accrual up to a limit) |
| Towing Charges | Covered in the package policy for accident recovery |
| In-Transit Damage Cover | Covered (vehicle damage in transit by air/rail/water) |
| Add-Ons Available | Nil Depreciation, Engine Protect, Invoice Protect, NCB Protect, Lock & Key Protect, etc. |
| Policy Types Offered | Third-party only, Standalone Own Damage, Annual Package, 3-year package options |
| Optional Enhancements | Return to Invoice, Engine Protection, Personal Possessions Cover |
National Insurance Company Limited offers three primary car insurance plans for private vehicles, designed to meet different protection needs:
This plan safeguards the policyholder against legal liabilities arising from third-party claims. It covers compensation for bodily injury or death of a third party without any upper limit, and third-party property damage up to ₹7.5 lakh. However, it does not cover damage to the insured car.
This policy protects the insured car against its own damages and is purchased along with an active third-party policy. It covers losses due to accidents, fire, theft, natural calamities, riots, and other unforeseen events, ensuring financial protection for vehicle repairs or replacement.
The Annual Package Policy offers end-to-end protection by combining third-party liability cover and own damage cover in a single plan. It insures the car against accidents, theft, fire, natural and man-made disasters, and also includes personal accident cover for the owner-driver. The policy can be further customised with optional add-on covers by paying an additional premium.
Reasons why you should opt for National Car Insurance Policy are:
With a history spanning over a century, NICL brings great experience in general insurance. This long-standing presence reflects financial stability, trusted claims handling, and reliability built across generations of policyholders.
NICL offers a diverse portfolio of motor insurance products, designed to suit different customer needs. From basic liability cover to comprehensive plans with add-ons, policies can be tailored for practical, real-world usage.
NICL provides round-the-clock assistance, ensuring help is available during emergencies, breakdowns, or claims. This continuous support strengthens customer confidence, especially during accidents or urgent situations.
As a key participant in national and social insurance schemes, NICL plays a vital role in expanding insurance access across India. This demonstrates its commitment beyond commercial insurance to public welfare.
Being a 100% Government of India–owned entity, NICL offers an added layer of trust, credibility, and regulatory discipline—making it a preferred choice for customers seeking long-term security and stability.
Here’s what is covered and excluded in car insurance from National General Insurance:
National Insurance Company Limited car insurance covers third-party liabilities, accidental damage to the insured car, theft, fire, natural and man-made calamities, and personal accident cover for the owner-driver (as per the chosen policy type).
The policy does not cover normal wear and tear, mechanical or electrical breakdowns, depreciation (unless zero-dep add-on is opted), driving without a valid licence, drunk or illegal driving, or damage caused outside policy terms.
Here is a list of add-ons available with National Car insurance to customise your policy:
Covers replacement of car parts without applying depreciation, ensuring higher claim payout.
Up to 2 zero-dep claims per policy year
After exhausting zero-dep claims, claims continue with normal depreciation
Provides coverage for engine damage due to water ingression, oil leakage, or hydrostatic lock, which is otherwise excluded under standard policies.
In case of total loss or theft, the insurer pays the original invoice value of the car, including registration charges and road tax.
Offers 24×7 emergency support such as towing, breakdown assistance, battery jump-start, and minor on-spot repairs.
Allows you to retain your No Claim Bonus even after making a claim, protecting future premium discounts.
Apart from the above, other add-ons include:
Pick-up & Drop Facility
Fuel Flip Flop
Daily Allowance Benefit
Consumables Protect
EMI Protect
Lock & Key Protect
Loss of Driving Licence & Vehicle Documents
Loss of Personal Belongings
Nil Depreciation Plus
Tyre & Rim Protect
Availability of add-ons is subject to vehicle age, model, and the underwriting guidelines of National Insurance.
You can easily purchase National Car Insurance online through Coverfox, which lets you compare, customise, and buy policies from National Insurance Company Limited in a fully digital and hassle-free manner.
Visit the Coverfox website and select Car Insurance.
Enter your car details such as registration number, model, and fuel type.
Choose National Insurance Company Limited from the list of insurers shown.
Select the required policy type (Third Party / Own Damage / Comprehensive).
Add suitable add-ons like Nil Depreciation, Engine Protect, or RSA.
Review the premium and coverage details.
Make the payment online to receive the policy instantly via email.
National car insurance has 3,100+ network garages across India
You can find the updated list of network garages at https://nationalinsurance.nic.co.in/key-links/our-networks/cashless-garages
Enter the type of Garage you are searching for (Cashless/TVS ASPL/Windshield Experts)
Enter your city/state/pincode/type of vehicle/workshop name.
Hit search
Toll-Free Number: 1800 345 0330
(For policy enquiries, claims support, renewals, and general assistance)
Head Office
Address:
Premises No. 18-0374, Plot No. CBD-81, New Town,
Kolkata – 700156, West Bengal
Telephone: 033-22022100
Email Support (Purpose-Specific)
Unresolved Grievances: customer[dot]relations[at]nic[dot]co[dot]in
mParivahan / VAHAN Portal Queries: vahan[dot]support[at]nic[dot]co[dot]in
Customer Portal Queries: customer[dot]portal[at]nic[dot]co[dot]in
General Queries & Support: customer[dot]support[at]nic[dot]co[dot]in
Fraud Reporting: faf[at]nic[dot]co[dot]in
Intermediary / Agent Portal Queries: agent[dot]portal[at]nic[dot]co[dot]in
Disclaimer: The details presented on this page are for informational purposes only, directly taken from the National Insurance Company official website. Any coverage or plan details are subject to change as per policy. Refer to your policy document for exact coverage and the official website for any updates.
You can renew by entering your car details, selecting the policy and add-ons, paying the premium online, and receiving the renewed policy instantly.
Exclusions include wear and tear, mechanical/electrical breakdown, depreciation (unless zero-dep add-on is chosen), driving under intoxication, invalid licence, and damage outside policy terms.
Yes, National Car Insurance can be renewed online through authorised platforms or the insurer’s official digital channels.
Typically required documents include the RC copy, driving licence, insurance policy, FIR (for theft/major accidents), claim form, and repair estimates or bills.
You can download it by logging into the customer portal, entering your policy or vehicle details, and accessing the digital policy document.
Yes, National Insurance provides third-party, own damage, and comprehensive car insurance for used cars, subject to inspection and underwriting norms.
No, pay-as-you-drive or usage-based car insurance is currently not offered by National Insurance.
You can check claim status online through the official customer portal by entering your claim or policy details.
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