Navi Car Insurance is part of the motor insurance offered by Navi General Insurance. Known for its seamless, paperless experience, Navi has already served 300K+ policyholders with their car insurance policy, building a reputation as a reliable and customer-first insurer. With features like instant policy issuance and 24/7 claims support, it has quickly become a trusted choice for car owners looking for convenience without compromising on coverage.
Navi General Insurance is a wholly owned subsidiary of Navi Technologies, established in 2016 and operational since 2017. The company was formed after the acquisition of DHFL General Insurance by Sachin Bansal.
Today, Navi serves 1.1 million+ customers across India, offering a wide range of products including motor, health, property, and commercial insurance. It is registered with the Insurance Regulatory and Development Authority of India (Reg. No. 155).
Navi Car Insurance offers comprehensive coverage, flexible add-ons, and 24/7 digital claim support to keep your vehicle protected
| Feature | Details |
|---|---|
| Insurer | Navi General Insurance |
| IRDAI Registration Number | 155 |
| Year of Establishment | 2017 |
| Network Garages | 900+ cashless garages |
| Claim Support | 24/7 assistance |
| Claim Process | 100% paperless and digital |
| App Availability | Navi App |
| Types of Car Insurance | Third-Party, Own-Damage, PAYD and Comprehensive |
| Add-on Covers | Zero Depreciation, Roadside Assistance, Engine Protection, Key Replacement, etc. |
Navi Car Insurance offers a range of coverage options designed to suit different needs, from basic third-party protection to comprehensive and usage-based plans.
Offered by Navi General Insurance, this is the mandatory policy as per the Insurance Regulatory and Development Authority of India.
It covers:
Third-party injury or death
Third-party property damage
It does not cover damages to your own car.
This policy provides end-to-end protection by covering both third-party liabilities and damages to your own vehicle.
Coverage includes:
Accidents and collisions
Theft or total loss
Natural and man-made disasters
It can be enhanced with add-ons for broader protection.
This policy covers only your car’s damages and is suitable if you already have a third-party policy.
It includes:
Accident-related damages
Fire, theft, and calamities
Navi’s Pay As You Drive (PAYD) plan is designed for low-mileage users.
Premium is based on how much you drive
Ideal for occasional drivers
Helps reduce insurance costs while maintaining coverage
Navi General Insurance offers a wide range of add-ons to enhance your car insurance coverage. These can be added to a comprehensive policy to improve protection and reduce out-of-pocket expenses during claims.
Below are the Key Add-ons:
Covers the full cost of replaced parts without factoring in depreciation, helping you maximise your claim payout (especially useful for new cars).
Covers repair costs for engine and gearbox damage due to:
Water ingress (common during floods)
Oil or coolant leakage
Applicable only when the damage is accidental and reported within specified timelines.
Provides emergency help such as:
Towing assistance
Flat tyre support
Battery jump-start
On-the-spot repairs
Available within the insurer’s service network areas.
Applicable in case of:
Total loss
Theft
Constructive total loss (CTL)
Pays the difference between IDV and invoice value, helping you buy a new car of the same model.
Protects your NCB even after 1 claim in a policy year
Typically applicable if you have a claim-free history (usually 2 years)
Helps retain premium discounts at renewal.
Covers repair-related items usually excluded from claims:
Engine oil, lubricants, coolant
Nuts, bolts, screws, etc.
Covers the cost of replacing keys and locks
Requires FIR in case of theft/loss
Intimation to the insurer is usually within 48 hours
Hospital Cash Cover: Daily allowance during hospitalisation (typically up to 5 days, subject to conditions)
Daily Conveyance Allowance: Covers transport expenses while your car is in repair (up to 15 days)
Personal Belongings Cover: Covers items like mobile/laptop (excludes cash/jewellery; FIR required)
Emergency Transport & Hotel Stay: Reimburses travel and accommodation during breakdowns
Accidental Hospitalisation Cover: Medical expense coverage up to a defined sum insured
Enhanced Personal Accident Covers: Additional protection for owner/occupants (can go up to ₹20 lakh)
EMI Protector: Covers up to 3 EMIs if hospitalised due to an accident
Outstanding Loan Protector: Pays the remaining loan in case of severe disability/death
Tyre Protection Cover: Covers tyre damage or replacement (with/without depreciation)
Depreciation Cover (Specified Limit): Covers depreciation up to a defined percentage
NCB Protector (Non-Metal Parts): Retains NCB for minor repairs (limited claims allowed)
Buying Navi General Insurance car insurance through Coverfox is quick and fully digital:
Enter Car Details: Input your registration number or basic car details on the Car Insurance Tab
Compare Plans: View Navi plans alongside others with clear pricing and benefits
Select Plan: Choose from third-party, comprehensive, or own-damage options
Add-ons: Customise your policy with covers like zero depreciation or roadside assistance
Make Payment: Complete a secure online payment in minutes
Get Policy Instantly: Receive your Navi car insurance policy instantly with no paperwork
Navi General Insurance offers a network of 900+ cashless garages across India, where you can get your car repaired without paying upfront during claims.
At these authorised garages, the insurer directly settles the repair bill, making the process hassle-free and quicker.
You can easily locate nearby network garages using any of the following methods:
Visit Navi Garage Locator: Go to Navi’s official website and search using your city or pin code
Use the Navi App: Check nearby garages directly through the app interface
During Claim Intimation: The insurer shares a list of the nearest network garages after you register a claim
Customer Support Assistance: Call Navi support, and they will guide you to the closest authorised garage
Customer Support: +91 81475 44555
Working hours: 7:00 AM to 10:00 PM
Claims Support: +91 74060 12341
Available 24×7
Toll-Free Number: 1800 123 0004
Working hours: 9:30 AM to 06:30 PM
General Queries: insurance.help@navi.com
Senior Citizens (Priority Support): seniorcare@navi.com
Motor Claims: motorclaims@navi.com
Address:
Navi General Insurance Limited
Vaishnavi Tech Square, 10th Floor,
Iballur Village Taluk, Bagalur, Begur,
Bengaluru, Karnataka – 560102
Navi Car Insurance is a motor insurance policy offered by Navi General Insurance that provides financial protection against accidents, theft, natural disasters, and third-party liabilities.
Navi offers three main plans:Third-Party Car Insurance, Comprehensive Car Insurance, Standalone Own Damage Cover, PAYD Car Insurance
Yes, Navi provides cashless repairs through its network of 900+ garages across India, where the insurer directly settles the repair bills.
Premium depends on factors like: Car make, model, and age, Insured Declared Value (IDV), Location (RTO/city), Add-ons selected, Driving history and NCB
It covers: Third-party liabilities, Own damage due to accidents, Theft or total loss, Natural and man-made calamities
You can renew your policy online via the Navi website/app or through Coverfox by entering your policy details and making the payment.
Yes, you can transfer your No Claim Bonus (NCB) from your existing insurer to Navi, provided there is no break in policy.
Navi offers a 100% digital and instant policy issuance, allowing you to get insured within minutes.
Yes, you can customise your policy with multiple add-ons like zero depreciation, engine protection, roadside assistance, and more.
Yes, accident-related damages to your car are covered under comprehensive and own damage policies.
Yes, Navi car insurance provides nationwide coverage, along with 24/7 support services.
Yes, Navi offers NCB benefits, which reduce your premium for every claim-free year.
Yes, you can port your existing policy to Navi at the time of renewal without losing benefits like NCB.
You can download your policy through: Navi website or app, Customer support request, Email received at the time of purchase
