National Insurance Company Limited is India’s oldest general insurance company. The company was founded in 1906 with its headquarters in Kolkata with the goal of achieving Swaraj.
Car insurance is one of the general insurance policies offered by the company. It offers two types of car insurance policies: third-party insurance and comprehensive insurance, both with low premiums. In addition to car insurance, the company offers industrial, personal, and rural insurance policies. The franchise is the first Indian insurance organization to enter into strategic alliances with India’s largest automobile manufacturer, ‘MARUTI,’ and the country’s largest two-wheeler manufacturer, ‘HERO MOTO CORP.
National Insurance Company Limited -Car Insurance Types
The National Car Insurance Company provides three different types of auto insurance policies.
Types of National Insurance Company Limited Car Insurance are listed below
- Third-party Car Insurance
- Comprehensive Car Insurance Policy
- Own damage Car Insurance
National Insurance Car Insurance with Add-On Covers
In addition to the three insurance policies, National Insurance Company Limited provides several add-on covers to match specific policies purchased over them. Add-on coverage focuses on meeting specific policyholder needs that standard car insurance policies do not cover. It is up to the policyholder to choose which add-on they want for their vehicle.
Policyholders of National Insurance car insurance can add additional coverage to their detailed planning by paying an additional premium. Customers can purchase additional coverage for the following items as add-ons:
1. Liability-only coverage: This type of coverage protects you only against third-party legal liability in the event of a car accident. It covers the risk of third-party injury or death, as well as third-party property damage, up to 7.5 lakhs. In the event of an accident, neither your vehicle nor its occupants are protected.
2. Package Cover: Alternatively known as comprehensive cover, this is an all-inclusive policy that covers all liabilities, including damages to one’s own vehicle, oneself, and other occupants of the vehicle, as well as statutory provisions for third-party damages.
3. NCB Protection: No-claim bonus is given to auto insurance customers during the time of renewal if there has been no claim during the preceding policy period. The no-claim bonus is a type of discount given to customers who did not make a claim during the preceding policy period.
4. Return to Invoice Value Protection: Return to Invoice is an add-on ideal solution that covers the difference between your bike’s insured declared value and its invoice value, as well as registration and other applicable taxes.
5. Engine Protection: An engine protector protects the insurance premiums against any restoration or loss of the car’s engine caused by lubricant oil leakage or destruction to the engine box caused by water ingress.
6. Key & Lock Protection: If you lose or damage your car’s keys or lock as a result of an insurance contract, you will be reimbursed for the cost of installing or purchasing a new lock or keys, or replacing keys on your insured vehicle.
7. Consumables Protection: Consumable parts in your four-wheeler car include engine oil, gearbox oil, power steering oil, coolant, AC oil, brake oil, air filter, and so on. These components cannot be repaired and must be replaced during the claim process.
8. Roadside Assistance: If your car breaks down on the road due to an accident, flat tyres, a malfunctioning battery, or something else, our breakdown assistance add-on will come in handy.
Damages- Covered and Not Covered Under National Car Insurance
Every insurance policy has its clauses and statements. Listed below is a table of damages and things that are covered and not covered in The National Insurance Car Insurance
| Damages Covered | Damages that are Not Covered |
| Damage caused to third-party property | Contractual Obligation |
| Burglary, Theft, or Breaking | War dangers, nuclear dangers |
| Strike or Riot Act | Damages caused by drunk driving |
| Earthquake, fire, or electric shock | Consequential loss caused by depreciation, vehicle wear and tear, mechanical or electrical breakdown of the vehicle |
| Calamities such as Typhoon, hurricane, storm, hailstorm, and cyclone | Damages incurred as a result of driving while under the influence of drugs, alcohol, or intoxication |
| An externally caused accident by other means or intentionally | Damages that occur outside of the geographical area |
| Terrorist Act Malicious Act | Damages incurred while operating a vehicle in violation of the vehicle’s operating restrictions |
| Damages to the vehicle while in transit, such as on inland highways, waterways, or by air. Also, Rockslide or Landslide | Damages are incurred when a vehicle is driven by someone who does not have a valid licence. |
The Advantages of National Insurance Company Limited Car Insurance
Policyholders of a National Insurance Company Limited car insurance policy will receive the following benefits:
- Take advantage of a large network of cashless garages.
- Customize your policy by adding optional add-on covers. Choose from a menu of smart rider options for an additional fee.
- Guaranteed 24-hour customer service for any policy-related questions and claim notification
- Decision on claim approval will be made within 7 working days of receipt of all documents.
- Car insurance products are designed to meet the various needs of policyholders.
- Over 2,000 cashless garages offer cashless claim settlements.
- Any loss or damage caused by an accident or collision with another vehicle, animal, or object such as a building or pillar
- Any loss or damage caused by inclement weather or natural disasters is also covered.
How to Apply for National Insurance Car Insurance?
You can apply for car insurance National Insurance online or in person. What method of purchase you choose is determined by your convenience and preferences. The steps and procedure for applying for National Insurance car insurance online and offline are tabulated below
| Steps | Online | Offline |
| Step 1 | Go to the official National Insurance Insurance website. | Visit the nearest National Insurance Company Limited branch. |
| Step 2 | Choose ‘car insurance.’ | Inquire about automobile insurance and meet with a customer service representative in the office. |
| Step 3 | Select the ‘Buy Online’ tab and click ok to continue. | Get the car insurance application form from the customer service representative. |
| Step 4 | Click ‘Ok’ to continue. | Fill in the blanks in the condition with absolute precision. |
| Step 5 | Choose whether you want insurance for a private or commercial vehicle. | Submit the form and gather the list of documents needed for the insurance policy submission. |
| Step 6 | Proceed by selecting ‘Buy insurance for a new vehicle’. | Please submit the documents. |
| Step 7 | Fill out all of the fields with accurately information about your vehicle and submit. | Select the type of policy you want and the quote provided by the company. |
| Step 8 | Fill out your personal information and submit. | Make your payments in cash, check, or DD. |
| Step 9 | You must select one of the company’s quotes. | Collect policy documents in person or have them delivered to your authorised postal address. |
| Step 10 | Make online payments using a credit/debit card, net banking, or other methods. | |
| Step 11 | Collect the policy information on your registered email address. |
How to Claim the Insurance?
If your car insurance-covered vehicle is involved in an accident, you can file a claim online at National Insurance Company Limited’s official website. One can know the procedure for how to claim car insurance from National Insurance by reading the steps outlined below
- Contact the policy issuance office as soon as possible and notify National Insurance Insurance of the accident/theft/third-party claim. You can accomplish the same thing by going to the company’s official website.
- Please sign in to your account. The company will request several details from you, including your policy number, the date and time of the theft/accident, the location of the car, the insured’s name and contact information, and so on.
- You must submit a claim form along with relevant documentation such as photocopies (of your driving licence, policy, and RC), photos of your car, survey reports, damage estimates, final bill of repair, FIR report, No Trace Report, and so on.
- Once this is completed, the surveyor/company executive will inspect the damages, have the repairs completed in National Insurance’s cashless garage, and issue the claim as soon as possible.
| Claim Process | Documents Required |
| For Accidental Injuries | The policyholder could perhaps immediately notify the insurance company in writing, along with all relevant paperwork.Registration CertificateA copy of the vehicle’s driving licenceA claim form duly signed by the insuredA copy of the FIR or Police PanchanamaA copy of the repair estimate, repair bills, and payment proof/Discharge Voucher.Documents required by the AML policy. |
| For Accidental Death | In the event of accidental death, the claimant must submit the following documents:Personal Accident:Death CertificatePost-mortem reportLegal Heir certificateCertificate of Disablement, in case of permanent partial disabilityInsurance Policy copyClaim Form, duly signedPolice FIR CopyRegistration Certificate copyDriving License copyMACT/Legal NoticeClaimant detailsSupporting documents |
| For theft | If your car is stolen, you must immediately notify the office where the policy was issued.Authentic Policy DocumentOriginal registration certificate, permit, fitness, and tax signed by insured.All original keys, Service Booklet, Warranty Card, and original purchase invoice are included.Police Final report/non-traceable report and Panchnama/FIR.A copy of a letter addressed to RTO implying theft and forming ‘NON-USE’ has been acknowledged.RTO transfer papers have been signed.Consent to the agreed-upon claim settlement value from both you and the financier.If the claim is to be settled in your favour, you must obtain a NOC from the financier.Subrogation letters, indemnity bonds, and discharge vouchers are all required.Documents required by the AML policy. |
One will understand National General Car Insurance Claims based on the situation that is occurred.
How Can You Renew Your Expired Car Insurance Policy Online?
Car insurance renewal is a process that is done within the time frame specified by the policy. Depending on the vehicle, the National Insurance car insurance policy has a validity period. Follow the steps below for National Insurance car insurance renewal:
- Navigate to the National Insurance Company Limited website.
- On the home page, select ‘Motor Insurance’ from the menu and select ‘Buy Online.’
- Choose between a private and a commercial vehicle.
- Select ‘Renew existing policy with any insurer.’
- Enter the existing policy number and press the “Renew Now” button. On the online form, you will be able to view your policy details, renewal premium, and personal information. You should verify the displayed information and proceed to pay the renewal premium.
- Select the appropriate radio button if you are going to renew a motor insurance policy with a different insurance company. You should then enter your existing policy number and choose the type of insurance you want to renew. To proceed with the payment, you will need to update other policy details and accept the premium quote. The policy will is revived once the payment is received.
- If National insurance car insurance renewal online is not happening then one do it offline by visiting the nearby office.
Note: Failure to renew your policy may result in its lapse/cancellation. Furthermore, in order to keep your insurance valid, you will need to purchase a new policy. If you exceed the policy renewal stipulation threshold, the company may levy a fine on your next premium.
Highlights of National Insurance Car Insurance
The key highlights of National Insurance Car Insurance are listed below
| Serial Number | Features | Coverage |
| 01 | Third Party Property Damage | Upto Rs. 7.5 Lakh |
| 02 | Self Damage Cover | Coverage for Self Car for Its Loss and Damage |
| 03 | Add-on Covers | Up to 8 Add-on Covers |
| 04 | Claim Assistance | 24/7 Claim Assistance |
| 05 | Toll-Free Number | 18001234003. |
| 06 | Website | https://nationalinsurance.nic.co.in/ |
| 07 | customer.portal@nic.co.in |
Frequently Asked Questions
Why insurance is mandatory?
Insurance protects against the emergence of unforeseeable events. Insurance products assist you not only in mitigating risks but also in offering a financial cushion against adverse financial burdens.
How Can We Check the National Insurance Car Insurance renewal?
The National Insurance car insurance renewal details are mentioned in the policy documents. Also, one will get notified from the company when the national insurance car-renewal date is approaching.
Why should I fill out a proposal form when purchasing insurance?
Insurance is a legally binding agreement between the insured and the insurer. The proposal form serves as the contract’s foundation, containing all of the necessary information for the creation of the policy, which is a valid contract.
Is it possible to pay my automobile insurance premium online?
Yes, the National general car insurance pay online facility is available. It can be done using a debit or credit card or through Net Banking.
How many garages are operated by National Insurance Company Limited in India?
National Insurance Company Limited operates over 2000 garages across India.
How Do You Calculate National Insurance Car Insurance Premiums?
The premium for National Insurance car insurance is determined by several factors, including the vehicle’s type, IDV, make, model, cc, usage, place of registration, past claims history, and so on. For an exact premium, you can engage the underwriting office with automotive details or plainly choose a car insurance renewal premium calculator national insurance
What happens when one is unable to renew car insurance?
Failure to renew your policy may result in its lapse/cancellation. Furthermore, in order to keep your insurance valid, you will need to purchase a new policy. If you exceed the policy renewal stipulation threshold, the company may levy a fine on your next premium. Hence it is advised to go through the National Insurance car insurance renewal India process well in advance.
Is it essential to purchase add-ons to a basic National Insurance car insurance policy?
It is recommended that you purchase add-ons with your base policy because your base policy may not cover certain aspects of accidental damage. An add-on provides additional coverage by covering specific damages.
How is the package policy premium calculated?
The package policy premium is calculated as follows
Insured vehicle’s age Vehicle Declared Value Cubic Capacity of the four-wheeler
Registration area (city, village, etc.)
If the subscriber has selected additional covers
If the vehicle is powered by LPG/CNG,
If the subscriber has selected extra coverage for electronic parts
What customer care car insurance services are available?
According to National Insurance Company Limited customer care car insurance services are available
Look for cashless parking garages.
Make a claim.
Inquire about the status of your claim.
File a complaint
Please provide feedback on the service.
Make a complaint
Brief about The National Insurance Company Limited Co. Ltd
National Insurance Company Limited Firm Ltd is a public general insurance company based in Mumbai, Maharashtra. It operates in both India and other countries. The company has also collaborated with several of India’s biggest public sector banks and a few financial institutions. National Insurance car insurance reviews on quora are also up to the mark.
What is a Comprehensive Car Insurance Policy?
A comprehensive car insurance policy in National Insurance car insurance is a comprehensive insurance policy that covers all damages. This includes both the policyholder’s own and third-party damage. This category of car insurance policy provides the policyholder with comprehensive coverage for all financial and legal liabilities.
What are the key benefits of National Insurance Car Insurance?
Key benefits of National Insurance Car Insurance are listed below
There is emergency assistance available 24 hours a day, seven days a week.
A vast network of over 2,000 garages
Paperless system digital insurance process
Provides immediate policies for all insurance products.
Customers can get coverage in over 28 countries.
National Insurance car insurance renewal online process is easy and hassle-free
List out the contact details for National Insurance car insurance
are given below
Toll-Free Number: 18001234003.
Website: https://nationalinsurance.nic.co.in/
Email: customer.portal@nic.co.in
What are the steps for a national insurance policy renewal car?
The steps for online renewal of car insurance National Insurance are listed below
Contact the policy issuance office as soon as possible and notify National Insurance Insurance of the accident/theft/third-party claim. You can accomplish the same thing by going to the company’s official website.
Please sign in to your account. The company will request several details from you, including your policy number, the date and time of the theft/accident, the location of the car, the insured’s name and contact information, and so on.
You must submit a claim form along with relevant documentation such as photocopies (of your driving licence, policy, and RC), photos of your car, survey reports, damage estimates, final bill of repair, FIR report, No Trace Report, and so on.
Once this is completed, the surveyor/company executive will inspect the damages, have the repairs completed in National Insurance’s cashless garage, and issue the claim as soon as possible.
Is it possible to claim insurance online?
The National Insurance car insurance claim process is available online and offline. Hence it is possible to claim insurance online.
What are the things covered in National Insurance third-party coverage?
National Insurance General Insurance’s third-party car insurance protects you against all types of third-party damages, including bodily injuries, temporary or permanent disability, death of a third party, and third-party property.