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New India Car Insurance: Coverage, Benefits & Review

New India Assurance Company Limited (IRDA Reg. No. 190), founded by Sir Dorabji Tata in 1919, is a 100% Govt. owned multinational general insurance company operating in 28 countries. The company has been endorsed by CRISIL for its 'AAA/STABLE ' rating implying its highest degree of financial strength to honor the obligations of its policyholders.

New India Assurance Limited offers insurance coverage to private car owner’s that covers any financial liabilities in case of any unforeseen incidents leading to the loss or damage to own car or any third party involved.

What’s On Offer?

  • Third Party Liability Policy: This cover protects you against any damage and loss occurred to third party due to involvement of your car. While the compensation for death and injuries is unlimited, the property damages are covered up to Rs. 7,50,000.

  • Package Policy: Apart from covering liabilities related to third party, this policy covers any loss or damage to your own vehicle due to natural (earthquake, fire, cyclone, etc.) and man-made (theft burglary, etc.) calamities.

Useful Add-on Covers

To provide an all-inclusive coverage to protect your financial future, New India Assurance car insurance offers below add-on covers at additional premium.

  • Loss or damage to accessories fitted in the vehicle such as stereos, fans, air-conditioners etc.

  • Personal accident cover under private car policies for:

    • Passengers.
    • Paid driver.
  • Legal liability to employees.

  • Legal liability to non-fare paying passengers in commercial vehicles.

Any Discounts? Check Out

New India Assurance car insurance offers certain discounts that can largely trim your premiums.

  • NCB discount: Can be availed on own damage premium depending on your claim free driving record.

  • Installing Anti-Theft devices: Anti-theft devices, approved by ARAI, attracts extra discounts on the premium.

  • Membership of AAI: Membership of any Automobile Association of India wins brownie points.

  • Opting for Voluntary Deductions: Higher you opt for the Voluntary Excess, lower will be your premium.

Word of Caution – What’s Not Covered?

While New India Assurance car insurance plan is well designed to provide comprehensive coverage at large, you might want to keep an eye on below listed exclusions to avoid any rude shock during claim.

  • Wear and tear, breakdowns.

  • Consequential loss.

  • Loss when driving with invalid driving license or under the influence of alcohol.

  • Loss due to war, civil war, etc.

  • Claims arising out of contractual liability.

  • Use of vehicle otherwise than in accordance with `limitations as to use ' (e.g. private car being used as a taxi)

Wanna Claim? Here’s How To

  • Intimate the claim on New India Assurance’s Helpline 1800-209-1415.

  • For cashless service, you need to get your car repaired at a garage within the network of New India Assurance .

  • If you wish to opt for reimbursement of expenses, you will need to get the car repaired, settle the costs from your pocket and then claim for reimbursement.

Note: Do not initiate any repairs to your car before the survey/inspection by the insurance company. Also for specifics about what’s to be done and what’s not, kindly refer policy wordings.

Coverfox Verdict

The basic coverage, when paired with appropriate add-on covers can provide a complete financial security in case you choose to opt for New India Assurance’s car insurance. Being a Govt. owned establishment, the surety of claims settlement and the ensuing peace of mind is unmatched. What's more, the company boasts of a strong network of cashless garages and competent after sales service. If you are one of those who believe in and highly depend on everything that is backed by government surety, New India assurance is your sure-shot choice.

Looking for More Information?

Understand all the benefits of New India car insurance plans

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