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New India Car Insurance

New India Assurance Co. Ltd (IRDA Reg. No. 190) is a joint venture between Bharti Enterprises, and AXA, a world leader in financial protection. New India Assurance Co. LTD commenced national operations in August 2008 and currently has 87 branch offices across the country. New India Assurance Co. LTD is first organization in the general insurance industry to receive dual certifications of ISO 9001:2008 and ISO 27001:2005 within the first year of operations in 2009 and subsequently the certification has been renewed in 2012 for further 3 years. In 2014, New India Assurance Co. LTD General Insurance has been awarded the Asia Insurance Industry award for the technology initiative and the Excellence award by the Institute of Economic Studies.

Key Features of New India Assurance Car Insurance

  • Instant policy – Hassle-free instant paperless renewal

  • Claim settlement - Quick and hassle free claim settlement

Key Benefits of New India Assurance Car Insurance

  • Cashless Garage Network - Cashless garage across India
  • Special Add-on covers – Nil Depreciation, No Claim Bonus Protection, etc.

New India Assurance Private Car Insurance Coverage

New India Assurance Private Car Insurance Policy can be tailor-made for any private vehicle to get insurance. This policy by New India Assurance Car Insurance 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:

  • Fire, explosion, self-ignition or lightning.
  • Burglary, housebreaking or theft.
  • Riot and Strike.
  • Malicious Act.
  • Terrorist Act.
  • Earthquake (Fire and Shock) Damage.
  • Flood, Typhoon, Hurricane, Storm, Tempest, Inundation, Cyclone and Hailstorm.
  • Accidental external means.
  • Whilst in transit by road, inland waterway, lift, elevator or air.
  • By landslide/Rockslide

Third Party or Liability:

This policy is mandatory by the Motor Vehicle Act 1988, it is provided by New India Assurance Car Insurance Policy which covers any injuries or property damages to the third party. Liability is covered for an unlimited amount in respect of death or injury and damage to third party property for Rs.7.5 lakhs. Add: Personal Accident Cover – Owner Driver, Passenger & Paid Driver Personal Accident Cover: The Owner-Driver personal accident cover of Sum Insured Rs. 2 lakhs in case of permanent total disability or an accidental death is covered with a premium of Rs.100 Optional Covers:

  • Personal Accident cover for passenger/occupants is available with Sum Insured of Rs. 2,00,000 for each occupants on a premium of 100 Rs/person.
  • Paid Driver cover: Legal liability cover for a paid driver with a premium of 50 Rs/annually

Add-on Features of New India Assurance Car Insurance

Nil Depreciation Cover

Under the core insurance policy the cost of the depreciable parts of the car are not covered fully in case of repair or replacement at the time of claim. Deducted depreciable cost of repair or replacement is paid by the insurer even after holding a policy at the time of claim. To save money on such repair or replacement of depreciable car parts such as rubber, metal, plastic, nylon, fiber, etc. at the time of claim due to the perils mentioned in the Own Damage section of the policy, New India Assurance offers an add-on cover – Nil Depreciation. With the help of this add-on cover the policyholder saves ample of money on repair or replacement of depreciable car parts. The cost is fully covered by the New India Assurance if this add-on cover is bought in addition to the Package Policy.

Note: This add-on cover can be avail for a private car of vehicle age upto 5years.

Inclusion of Road Tax Cover

In an unfortunate case of Constructive Total Loss (damage beyond repair) due to the major accident or Total Loss (theft), the policyholder is covered with the Road Tax charges on a replacement of the insured car. The cover is available for Private Car upto 5 years of age.

Return to Invoice

In case of the Total Loss or Constructive Total Loss the policyholder with this add-on cover will be indemnified towards the loss of the insured vehicle with a sum assured of the invoice price including Road Tax, Registration charges. Which will be the difference between the IDV of the vehicle and the Ex-showroom price of same make and model. Specific condition: This add-on cover is only available for private cars with invoice price of upto 20 Lakhs. This add-on cover is available for private cars with vehicle age upto 3 years.

No Claim Bonus Protection Cover

No Claim Bonus Is the discount that New India offers to their policyholder. This discount can only be availed if the policyholder doesn’t lodge any claim throughout the year. The policyholder can avail 20% discount on the premium of second year provided no claim is lodged in the first year and 25% for the third year if no claim is lodged in the second year. It keeps on increasing cumulatively. But if you make a single claim you lose this discount and it directly comes down to zero. No Claim Bonus Protection add-on cover helps you to retain No Claim Bonus benefit even after a claim it doesn’t become zero. Specific condition: Available only for private cars of upto 7 years of age. Not more than 2 claims are accepted during the policy period.

Engine Protect Cover

The cost to repair engine parts or the parts of gear box that may get damage due to water ingression or leakage of lubricating oil is quite high. With the help of this add-on cover you stay protected and get covered at the time of claim if there’s any damage to those parts. Specific condition: Available only for private vehicle of upto 5 years age.

Additional Towing Charges

The standard package policy provides towing charges of Rs. 1500 only. But with this add-on cover you get reimbursement of towing charges upto Rs. 10,000. Specific condition: Available only for private vehicle of upto 7 years of age.

Loss of Content Cover

This add-on gets you cover with the cost of loss or damage incurred to the personal belongings kept in the insured vehicle at the time of theft, burglary, accident or any other perils mentioned in the Own Damage of policy wordings. Specific condition: The coverage is of upto Rs. 20,000 with an additional 20% of the sum insured (Rs. 4000) for each item or the actual price whichever is less in case of loss or damage of the item. The cover is available upto age of 7 years of your car.

Discounts Offered by New India Assurance Car Insurance

New India Assurance Car 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 YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years50%
  • Voluntary discounts:

This discount is offered if you decide to pay the minimum amount of money at the time of claim. If you don’t make any claims you still get discount and neither the minimum amount you agreed to pay at time of claim.

  • Other Discounts:

New India Assurance Car Insurance offers other discounts in case if you:

  • Are a member of Automobile Association membership
  • Install Anti-theft device installation

Exclusions of New India Assurance Car Insurance

  • 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)

How to Claim for New India Assurance

Contact Details:

Website: www.newindia.co.in

Email: motor.nia@newindia.co.in

Toll-Free Number: 1800-209-1415

Required steps and supporting documents:

a) In case of Accident

  • Immediately contact New India Assurance on their toll-free number 1800-209-1415
  • 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 Theft

  • Immediately contact New India Assurance on their toll-free number 1800-209-1415
  • 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

  • Immediately contact New India Assurance on their toll-free number 1800-209-1415
  • Lodge the claim with duly signed claim form
  • Police FIR copy
  • Copy of Driving License, Policy and vehicle’s RC book

Step-wise guide to claim:

  1. The first things to make a claim is to call on New India Assurance Car Insurance’s Toll-Free Helpline number - 1800-209-1415

  2. Take appointment with the surveyor and take your vehicle to any of New India Assurance Car Insurance authorized network garages for repair, for cashless service. Submit the require documents to the surveyor

  3. Company confirms liability

  4. If possible, opt for cashless facility, the company will settle the repair bills directly with the garage up to the amount payable

  5. But in case you do not opt for cashless facility, you have to pay for the repair charges and then submit the bills with claim form to the surveyor/company for settlement

  6. Vehicle Delivery

Review of New India Assurance

The complete package that New India Assurance offers for car insurance with add-on covers gives you financial security when it comes to 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.

New India Car Insurance