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  • National Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    National Insurance Company Limited (NIC) is one of the oldest and most preferred general insurance firms in the country. The insurance firm is a subsidiary of the government-owned General Insurance Corporation of India (GIC), and is headquartered in Kolkata. The company has a pan-India reach with around 1,998 branches across the country and 14,902 employees. In terms of the Gross Direct Written Premiums (GDWP), the company is the second largest general insurance company in India.

    Car Insurance Online from National Insurance

    Third-party/Liability-Only Cover Third-party policies cover:
    • Bodily injury/accidental death of third-party
    • Property damage (up to Rs.7.5 lakh)
    Covers Provided
    • Liability-Only Cover
    • Package/Comprehensive Motor Insurance Policy
    Features
    • Comprehensive coverage is available
    • No-claim bonus for every claim-free year
    • Option to purchase and renew policy online
    Inclusions
    • Liability-only cover
    • Personal accident cover for self and co-passengers
    • Own-damage cover
    Exclusions
    • Damage due to consequential loss, mechanical/electrical breakdown or failure, and wear and tear
    • Tyre damage, unless the car is also damaged
    • Accident or damage caused due to an individual driving under influence of alcohol or drugs
    • Allied labour and costs of parts

     

    Features and Benefits

    • Digital policy purchase and renewal: Customers have the option of purchasing or renewing their car insurance policy through the insurer’s official website. However, if you would like to buy your policy through more traditional means, you can always walk into any one of the insurer’s branches in your city.
    • Discounts/Bonus: Policyholders can avail attractive discounts when they purchase a motor insurance policy from National Insurance. In order to reward safe driving, the insurer provides a No-Claim Bonus for every claim-free year. In addition, if you purchase your motor insurance policy from the insurer’s official website, you can also claim certain online discounts.
    • Customer Service: If you would like for a company representative to assist you or if you have certain queries, you can call the insurer on their toll-free number or send them an email on their dedicated email ID. The insurer also has an online chat feature on their official website. In order to start the chat, you will simply have to enter your name, email ID, and telephone number.
    • Speedy Claim Settlement: On the insurer’s official website, you will find a detailed, step-by-step process on how to lodge/file a claim. If all the steps mentioned are followed and the policyholder submits the necessary documents without delay, the claim will be settled by the insurer in a timely and hassle-free manner.
    • Choice of Coverage: National Insurance provides prospective policy buyers 2 types of coverage options. You can either choose a Liability-Only Cover, wherein you will only be covered for the death/injury of a third party and for third-party property damage (within Rs.7.5 lakh). You can also choose to avail the Package Cover or the Comprehensive Motor Insurance Policy, which will give you a more inclusive and exhaustive coverage.

    Easy Steps to Apply for a National Insurance Car Insurance Policy Online

    • Firstly, you will have to visit to the insurer’s official website, and then click on the ‘Motor Insurance – Private Car’ tab on the menu.
    • Once you have navigated to the Motor Insurance page on the website, you can click on the ‘Buy Online’ option.
    • You will then be re-directed to another page in which you will have to key-in certain details about yourself and your vehicle.
    • Once you have filled in all the necessary information, you can pay your premium via your Credit/Debit Card. The risk cover will commence only after the premium is paid.
    • If you require any assistance during this process, you can always reach out to the insurer’s Customer Service team on the toll-free number that’s mentioned on the website.

    Why should one Opt for National Insurance Company Limited?

    • Availability of 2 Coverage Options: While it is mandatory for every vehicle owner to have an active motor insurance policy, insured members can choose between a Liability-Only Coverage or a Comprehensive Coverage, as per their requirements.
    • Instant Policy Renewal: In addition to being able to purchase a policy online, National Insurance also provides members the added benefit of renewing their insurance policy directly through the insurer’s official website.
    • Discounts: Policyholders can avail discounts and bonuses, which can help reduce the overall premium payable.
    • Range of Insurance Products: The insurer has a very varied insurance product portfolio. In addition to motor insurance, the insurer also provides health insurance, personal insurance, rural insurance, and several other such insurance solutions to meet the needs of their diverse consumer base.

    Inclusion and Exclusion Criteria of National Insurance

    Inclusion Exclusion
    Individuals can purchase a Liability-Only Cover or a Comprehensive Motor Insurance Policy. Any vehicular damage caused due to the following factors are not covered:
    • General wear-and-tear
    • Consequential loss
    • Electrical/Mechanical breakdown
    A Liability-Only Policy will cover the following:
    • Death/injury occurring to a third-party, or
    • Damage occurring to a third-party’s property or assets
    Damage occurring only to the tyres will not be covered. However, if the tyres are damaged along with the car, the insurer will pay 50% of the cost of replacing the tyres.
    The Package/Comprehensive Motor Insurance policy will cover liabilities, damages caused to one’s own vehicle, loss of vehicle, and injury/death occurring to self/co-passengers. Accidents or bodily injury/death caused due to the vehicle owner or driver driving when he/she was under the influence of alcohol or other narcotic substances.
    The Comprehensive Policy covers damage caused to one’s own vehicle due to:
    • Man-made/natural calamities
    • Transit by rail, air, road, etc.
    • Theft or burglary
    • Acts of terrorism, malicious acts, strikes, and riots.
    Allied labour and costs of parts

    Insured Declared Value – National Insurance Company Limited

    The Insured Declared Value or the IDV is the maximum amount that the insurer is liable to pay to you in case of total loss or theft of the vehicle. This means that if your car happens to get stolen or is damaged beyond repair in an accident, this is the maximum sum that you can claim for. The insurer is not liable to pay you anything more.

    The determining factor of a vehicle’s IDV is its current market value excluding the rate of depreciation that occurs with time. The value of any accessories that are not factory fitted and the vehicle’s registration cost will also not be included in the calculation of the vehicle’s IDV. The rate of depreciation that will be taken into account as per the age of the vehicle is listed in the table below.

    Age of the Vehicle Percentage of Depreciation
    Under 6 months 5%
    Over 6 months but lesser than 1 year 15%
    Over 1 year but lesser than 2 years 20%
    Over 2 years but lesser than 3 years 30%
    Over 3 years but lesser than 4 years 40%
    Over 4 years but lesser than 5 years 50%
    Over 5 years Based on an agreement between the policyholder and the insurance company.

    Claim Process for National Insurance Company Limited

    In order to file a claim with National Insurance, you will have to follow the steps mentioned below:

    • In case of theft or loss, the concerned person will have to immediately report it to the Police.
    • Post this, the claim form will have to be collected and filled up by the policyholder.
    • This filled and signed claim form will have to submitted to the policy-issuing office along with all required documents and the FIR (if applicable).
    • A Loss Assessor/Surveyor may be appointed by the insurance firm, if necessary.
    • Once all documents are verified, the claim will be settled by the insurer and the payout will be made.
    • In certain cases, the insurer may make a provisional payment if the final claim payment is still pending.

    *The steps mentioned above are only indicative and not exhaustive. For more detailed information, you will need to contact the insurer.

    FAQs for National Car Insurance

    1. How do you define ‘depreciation’ in car insurance?

      The reduction in the vehicle’s value due to general wear-and-tear that occurs with time is called depreciation. Depreciation can play a large role in determining your vehicle’s IDV or Insured Declared Value.

    2. What is a No-Claim Bonus?

      The No-Claim Bonus is a certain bonus/discount that is provided by the insurer to reward you for not making any claims during the policy tenure. The No-Claim Bonus for the present policy year can help reduce your premium payable in the following year.

    3. Is Motor Insurance mandatory?

      Yes, purchasing a motor insurance policy is mandatory for every motor vehicle owner. You are required to, at the very least, have a third-party liability-only cover, by law. However, you can also consider purchasing a comprehensive insurance policy since it offers a higher amount of coverage and is more inclusive.

    4. Can I pay my premium online?

      Yes, you can purchase/renew your policy on National Insurance’s official website and the premium payments can be made by credit/debit card.

    5. What documents should I carry when driving my vehicle?

      While driving, ensure that you carry your car’s Insurance Certificate, Registration Certificate, PUC Certificate, and the driving licence of the person who is driving the vehicle.

    National Car Insurance Reviews

    • National Insurance Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My friend is working in National Insurance so he will help me for the renewal. I don't have claim experience. Am using the service for 20 years. The premium is reasonable and the customer service is good. I am satisfied with the policy coverage. They send only hard copy and not got the soft copy.
      Was this review helpful? 0
      , durg
      Reviewed on Dec 07, 2018
    • National Insurance Car Insurance
      "Need an improvement"
      0.5 2.5/5 "Just OK"
      Earlier I had a car insurance with National Insurance and it was average. They took lot of time for the claim process. They need to improve the customer support. It was lower amount and they have provided the claimed amount. They have wider range of workshops.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 07, 2018
    • National Insurance Car Insurance
      "Good. Can do better "
      0.5 4.0/5 "Great!"
      The previous year I had my car insurance with National insurance. It was for my i20 vehicle. There was a claim and the process was not up to the mark. They prolonged the process and I was not very satisfied with their services. They need to be more proactive.
      Was this review helpful? 0
      , baruipur
      Reviewed on Nov 27, 2018
    • National Insurance Car Insurance
      "Good Protection for four wheeler"
      0.5 4.0/5 "Great!"
      I have taken National insurance policy through online portal, they have suggested this insurance company. The IDV value is good initially they came me upto 100% of cover, like bumper to bumper because its a comprehensive plan. I have wagon R car it was insured with them.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 30, 2018
    • National Insurance Car Insurance
      "Simply Good Policy"
      0.5 4.0/5 "Great!"
      National is a very good insurance policy to use. Simply i just want to experience the other company policies too hence i have not continue with National Insurance. One of my friend referred me about the national insurance. No claim bonus and bumper to bumper has been covered. I had no experienced of any claim. I have used the policy for only one year.
      Was this review helpful? 0
      , patna
      Reviewed on Oct 29, 2018
    • National Insurance Car Insurance
      "They should improve the services"
      0.5 2.0/5 "Expected more"
      Prolonging my claim with National, there was no explanation about the claim settlement. I file my claim, there is no proper from them. They are giving wrong email address and asked me to contact some other details when i contact their branch office. Applying a claim process is quite tough and i have to visit their branch office and their no help from their office however the helpline customer care service is good. There is no cashless claim facility.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 28, 2018
    • National Insurance Car Insurance
      "Very Good Brand name policy"
      0.5 3.0/5 "Satisfactory"
      I never used any facilities from the car insurance. For the sake of the policy, i just took this policy. The premium amount is higher when i compared with other company policies however they are providing the same benefits. At the time i purchase my vehicle, the policy has been given my Maruti Showroom. They have reduce the premium amount and there should be some unique features there in the policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 25, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      The policy was given to me from the car agency when i purchase my car. It was around 4.75 lakhs i have received as IDV value. I have taken the policy in the month of June 2017. I'm not sure about the bumper to bumper. The car agency has taken care of the documentation part. This is the first party insurance.
      Was this review helpful? 0
      , hoshangabad
      Reviewed on Oct 24, 2018
    • National Insurance Car Insurance
      "Poor Services"
      0.5 3.0/5 "Satisfactory"
      I do have a claim experience with National Car Insurance. Its a lengthy process to apply for a claim. After all the process, it took lot of time to receive the settlement amount. Because of the lots of time and the lenghthy process i have moved to other company. They are not dealing with the customer in a proper way. They need to improve a lot.
      Was this review helpful? 0
      , bijnor
      Reviewed on Oct 23, 2018
    • National Insurance Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have purchased the car insurance policy in the end of June. I have made a premium amount of Rs. 7000 and i have not availed the services of bumper to bumper and cashless garages. My agent has suggested me to take this policy. I have done the documentation through online and it was good. The service got delayed for receiving the hard copy.
      Was this review helpful? 0
      , arni
      Reviewed on Oct 23, 2018
    • National Insurance Car Insurance
      "Excellent policy"
      0.5 5.0/5 "Blown Away!"
      I had taken my car insurance policy with National for past 6 years. I had a claim experience with them. Its totally satisfactory. The showroom people has taken care of the claim part. For the fibre they have given the claim upto 95% it was a cashless claim facility. My showroom people has given this policy when i take my car from them
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 14, 2018
    • National Insurance Car Insurance
      "One of the best company"
      0.5 4.5/5 "Excellent!"
      Initially i had a car insurance policy with National for continuous 3 years. The car showroom people has recommended me to take the policy with National. I have received a no claim bonus with them. They used to provide a regular reminders for the renewal. I'm satisfied about the National Insurance
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Oct 12, 2018
    • National Insurance Car Insurance
      "You can have better policy than National Insurance"
      0.5 4.0/5 "Great!"
      There was a communication gap between the claim process due to that the claim got delayed. They have given the 90% of the claim amount and i have paid 10% from my pocket. This is a default policy which given the dealer when i purchase my car. This policy covers with a cashless garages facility. Since i was choosing the better policy, i moved from this policy.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 12, 2018
    • National Insurance Car Insurance
      "Less premium policy"
      0.5 4.0/5 "Great!"
      They are offering a coverage amount of Rs. 1.75 lakhs. I have taken the car insurance policy through online. Since the policy premium is extremely lowest when i compared number of companies naturally the customer has to choose this policy. Since last year i have not claimed anything.
      Was this review helpful? 0
      , agartala
      Reviewed on Oct 10, 2018
    • National Insurance Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      National insurance is good, I don't have any bad remark on them. I haven't use the policy but still they have no claim bonus. But the premium amount is bit high compared to other company. But first time taken it was okay but I didn't go for renewal because of cost.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 10, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      Within a day, i have got my claim settlement. I have applied for the claim through the service centre of Maruti and the person will be available in the garage itself. I have no idea about the coverage amount. My friend has recommended me to take the car insurance policy with National. Continuously 3 years, i have renewed the policy with the same company.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 10, 2018
    • National Insurance Car Insurance
      "Below average policy"
      0.5 3.0/5 "Satisfactory"
      While i was purchasing a car, the showroom people offered me a car insurance policy with National insurance, Till now i have not apply for any claim services. My colleague who is working in the showroom was taking care of policy details. I have no idea about the premium amount. Since it was a new car, they have given me a coverage value upto 100%.
      Was this review helpful? 0
      , jalna
      Reviewed on Oct 09, 2018
    • National Insurance Car Insurance
      "Process should be implement"
      0.5 4.0/5 "Great!"
      I wanted to sell my car hence I went to National Insurance, the premium amount was lesser than Rs.5000 for the tenure of one year. Just for the mandatory purpose I took the policy to sell the car. But the process of National insurance very bad they take long time to provide the policy copy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 05, 2018
    • National Insurance Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      My dealer has provided the car insurance with National Insurance when i purchased my vehicle hence I'm continuing the policy with the same company for past 4 years. I have no idea about the premium amount and IDV value however they are offering a bumper to bumper facility for my insurance. I used to get a benefits of roadside assistance and cashless garages also.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Sep 28, 2018
    • National Insurance Car Insurance
      "Excellent car policy."
      0.5 5.0/5 "Blown Away!"
      Because the premium is very low so i have chosen the car insurance with National Insurance. I made a premium amount of Rs. 5000. I met one accident last one year before. They are offering to bumper to bumper facility. I'm not sure about the cashless garages, road side assistance. I have got a IDV value of Rs 1.50 lakhs. I didn't get any trouble to get the third party claim
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 28, 2018
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