National Car Insurance

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National Car Insurance

"National car insurance is one of the best motor insurance policies available in the market right now. It is offered by National Insurance Company Limited, India’s oldest general insurance company. The insurer has a wide range of general insurance solutions with around 300 products across personal, life, motor, rural, livestock, agricultural, industrial and commercial lines of business. The two types of motor (four-wheeler) insurance plans offered by National Insurance are commercial vehicle and private car. The private car package is available as an annual policy, annual liability policy, bundled policy for brand new cars, 3 years package policy and 3 years liability only policy."

Reasons for Choosing National Car Insurance

  • Instant car insurance renewal Hassle-free instant paperless renewal
  • Claim settlement Quick and hassle free claim settlement
  • Claim Assistance Service 24x7 claim assistance
  • Oldest General Insurance Company Founded before Independence
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Key Benefits - National Car Insurance

  • Cashless Garage Network Cashless garage across India
  • Special Add-on covers Zero Depreciation, Return to Invoice, NCB Protection, etc.
  • Policies Offers third-party and comprehensive type of policies.

National Private Car Insurance Coverage

National Private Car Insurance Policy can be tailor-made to insure any private vehicle. National Motor Insurance policy covers Own Damage car insurance and also, Third-party liability insurance, which helps car owners at the time when needed – in case of any accident or mishaps.

Types of coverage

Own Damage: This policy cover any damage or loss to the owner’s car due to any of the following things:

  • Accident Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft, Riots & Strikes and / or Malicious Acts and Terrorism
  • Earthquake, Flood Cyclone
  • Inundation Transit by Rail, Road, Air & Elevator

Third Party or Liability: This policy is mandatory by the Motor Vehicle Act 1988, it is provided by National Private Car Insurance Policy which covers any injuries or property damages to the third party.

Personal Accident Cover Coverage of Rs.2 lakh for the owner-driver in case of a permanent total disability or an accidental death on a premium of Rs.100.

Optional Covers:

a) Passenger Personal Accident cover: Passenger Personal Accident cover can be availed with 100 Rs/person for a Sum Insured of Rs.2,00,000 for each of the occupants.

b) Legal liability for Paid driver: Liability cover with a premium of 50 Rs/annually for the paid-driver

Add-on features - National Car Insurance

Zero Depreciation Cover: National Insurance will pay you the amount of depreciation deducted on the value of depreciable car parts, such as , rubber, plastic, metal, nylon, etc. if replaced or repaired under own damage claim of the policy.

Special Condition:

  • Provided all the repairs are done at authorized garage network.

No Claim Bonus (NCB) Protection Cover: No Claim Bonus is the discount you get on the car insurance premiums provided, you didn’t lodge any claim during the policy period. For first “no-claim” year you get 20% discount on the premium to be paid for the second year. This is cumulative and thus, keeps on increasing with number of “no-claim” years. You can fetch up to 50% of discount for 5 consecutive no-claim years.

Special condition:

  • Standalone windscreen glass or rear, glass or door glasses, sun roof glass, claims will not be considered as a claim.
  • Claim of partial theft will not considered as a claim under this cover.

Roadside Assistance Cover It's a service facilitated to take care of your vehicle and your worries in an unfortunate event of your vehicle meeting with an accident or breakdown. Some of the benefits are as follows: Service for Flat Tyre, Flat Battery – Jump Start Service, Repair on the spot, Fuel Support (Emergency fuel delivery), Emergency towing assistance, Spare Key Retrieval/Service for key locked inside, Continuation/Return Journey (Taxi Support).

Special Conditions:

  • Vehicles should not be used for the purpose of racing, rallying, motor-sports, or in any instance where the Vehicle is not being used in accordance with applicable laws and regulations.

Return to Invoice National Insurance company will pay to the policyholder in case car gets stolen or completely damaged, you get the reimbursement of insured car’s invoice price, including registration charges and road tax.

Special Conditions:

  • The finance company/bank whose interest is endorsed on the policy must agree in writing.
  • “No Trace Report” by police needs to be submitted, confirming the theft of the insured vehicle in case of theft claim.

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Discounts offered - National Insurance

National Insurance offers many attractive discounts that the policyholder can avail.

  • No-Claim Bonus: The no-claim bonus is a discount offered on the next year’s premium. If you make no claims throughout the year, you are benefitted with the huge discount on the next year’s premium. If for the first year you made no claims you are offered with 20% discount on the second year premium and so on. It keeps on increasing. The following table will provide the details.
No. Of Years Discount
One claim-free year
20%
Two consecutive claim-free years
25%
Three consecutive claim-free years
35%
Four consecutive claim-free years
45%
Five consecutive claim-free years
50%
  • Voluntary discounts: This discount is offered if you decide to pay the minimum amount of money at the time of claim.
  • National Insurance offers other discounts if - a. You are a member of any recognized automobile association b. You install an anti-theft device in your car

Exclusions - National Car Insurance

  • Any wear-and-tear of the car due to aging
  • Any mechanical and electrical breakdown
  • Private cars used for remuneration purpose is not covered
  • Driving without a valid driving license
  • Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the car's value
  • Loss or damage due to war or nuclear risks
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered under our motor car insurance.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

Claim Process - National Car Insurance

Required steps and supporting documents:

a) In case of Car Accident Claim

  • Immediately contact National Insurance company
  • Lodge a claim with duly signed Claim Form
  • Copy of Driving License, RC book, Policy document
  • FIR, if required (Kindly note down, contact details of people and vehicle number involved in accident)
  • Original Repair Estimate Bill
  • In case of cashless service, only Invoice receipt
  • In case of reimbursement provide estimate bill, original invoice and payment receipt

b) In case of Car Theft Claim

  • Immediately contact National Insurance company
  • Lodge the claim with duly signed claim form
  • Original keys with Copy of Driving License, RC book, Policy document
  • Police FIR copy
  • Duly signed Form 28, 29, 30 and Form 35.
  • Final confirmation with “No Trace Report” of the insured vehicle from the police

c) In case of Third Party Claims

  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Review - National Insurance Company

National Insurance, the oldest insurance company in India. one of the insurance company owned by Indian Government that was founded before Independence. Car Insurance policy of National Insurance provides a comprehensive coverage to protect your car in case of any accident or damage and third-party liability cover. You can widen the scope of car insurance policy by additional add-on covers. National Insurance is a sure consideration for your car insurance.

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National Insurance Company Address

3, Middleton Street, P.B. No. 9229, KOLKATA 700 071.

Tel : 033-22831705 to 9 Fax : 033-22831712

Frequently Asked Questions

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