"Spending a whole day looking for insurance is fun," said nobody, EVER!
"Spending a whole day looking for insurance is fun," said nobody, EVER!
  • Buy New India Car Insurance Online - Check Plan Details & Reviews

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

    New India Assurance Co. Ltd. is a government-owned insurance company that has a presence across the country. They are the market leaders in providing insurance services in India. New India car insurance is one of their products. With a vast network in India, the company has over 2,452 offices in the country with as many as 17,702 employees and 68,389 agents.

    Car Insurance Online from New India Car Insurance

    Third-party Cover Coverage up to Rs.7.5 lakhs
    Cashless Network Garages NA
    Incurred Claim Ratio 2017-18 79.68%
    Net Earned Premium 2017-18 Rs.9,074.26 crore 
    Covers Provided
    • Zero depreciation
    • Road tax cover
    • Return to invoice
    • NCB
    • Engine protect cover
    • Additional towing charges
    • Loss of content cover
    Features
    • Quick claim settlement
    • Instantaneous purchase
    • Wide range of add-ons
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Types of New India Car Insurance Plans 

    New India Assurance offers two types of car insurance plans – package plan and the liability only plan. Listed below are the features and benefits of both car insurance plans:  

      Liability only plan   

    The liability plan offered by New India Assurance is a basic third-party car insurance plan which offers coverage for the third-party involved in the accident, for repair of damages caused to the vehicle and for medical expenses if the accident results in bodily injury, disability or even death. The third-party liability is up to Rs.7.5 lakh for cars and up to Rs.1 lakh if the third-party vehicle is a scooter or a motorcycle.  

      Package Plan   

    The package plan offered by New India Assurance is a comprehensive car insurance policy which offers coverage for both the policyholder and the third-party involved in the accident. The package plan offers coverage not just for accidents, but for damages caused to the car following a natural calamity, riots, terrorist attacks, etc. Listed below are the inclusions of the package policy offered by New India Assurance:  

    • Coverage for damages caused to the car following a fire, explosion or lightning.  
    • Coverage up to the Insured Declared Value of the car if it is stolen.  
    • Coverage for damages caused to the car following any malicious act, terrorist act, riot or a strike.  
    • Coverage if the damage to car is caused following a natural calamity such as an earthquake, flood, cyclone, hurricane, landslide, etc.  

           Listed below are the exclusions of the package plan offered by New India Assurance:  

    • If the damage caused to the car was the fault of the policyholder or car owner– consequential damage.  
    • If damage is caused due to the natural wear and tear of the vehicle. 
    • If the damage of the car is the result of war or any sort of civil war.  
    • If the damage caused to the car is outside the coverage of New India Assurance.  
    • Any damages caused to the tyres of the vehicle.  

    Features and Benefits

    • Customer support team - Be it before buying a policy or post purchase, a well-trained customer service team is always available to answer questions, clear doubts and help policyholders make claims, apply for a policy or renew the same.
    • Discounts- Those who are members of the Automobile Association of India will be eligible for a special additional on the usual rates. Apart from this, policyholders can also avail the benefit of the no claim bonus discount. Those with anti-theft devices installed will also be eligible for an additional discount.
    • Hassle-free claim settlement-Claims are settled in a speedy manner without any hassles by an expert team. The process of initiating a claim during an emergency situation is also very convenient.

    Easy Steps To Apply New India Car Insurance Online

    • Log on to the company website and go to the motor car insurance section
    • Click on the ‘Buy Online’ link to get all details and make a purchase online
    • Once you click on the link, you will be redirected to a page where you have to fill in your personal details and your car details to get an insurance quote.
    • If you are happy with the insurance quote, you can proceed to make payment. Once this is done the policy will be sent to the buyer immediately.
    • If you have any questions during the purchase process, you can always call the toll-free number.

    Why New India Car Insurance

    Government owned
    Easy purchase online
    Instant renewal
    Host of discounts
    No claim bonus
    Wide range of add-on covers

    Add-on covers on New India Car Insurance

    Let's explore the add-on covers offered by New India:

    • Zero depreciation- This allows the policyholder to make up for the loss caused due to depreciation of the vehicle in concern during a claim. The depreciation is covered for the parts of the car and in case of an accident or unfortunate event, the policyholder will be eligible to receive all expenses without taking into consideration any kind of depreciation.
    • Road tax cover- This benefit can be availed till the car is 3 years old. This add-on will basically cover the difference in the amount between the manufacturer’s price and the insured declared value of the vehicle. The maximum amount of cover that can be claimed under this slab id Rs.20 lakhs.
    • No claim bonus- A no claim bonus discount can be availed by the policyholder even after he/she makes 2 claims during the policy year. The customer will be eligible for this discount if his/her car is up to 7 years old but not older.
    • Engine protect cover- In cases where there arises any kind of damage to the engine of the car or any other engine-related parts, this add-on will provide coverage to cover the expenses towards the repair and replacement of the same.
    • Towing charges- If you seek towing assistance during an emergency situation from the spot of the accident and the nearest cashless network garage, the costs towards the same will be taken care of by the car insurance policy upon payment of an additional add-on charge. A maximum of Rs.10,000 can be claimed under this feature.
    • Content protection- Any type of personal belongings that are locked up in the car during the time of an accident or an unfortunate can be claimed under this. Personal belongings like cell phones, laptops, pieces of clothing, jewelry, keys etc. A maximum amount of Rs.20,000 can be claimed under this cover option.

    Inclusion & Exclusion on New India Car Insurance

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    When the policyholder uses the vehicle contrary to mandated instructions
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
    Loss due to electrical or non-electrical accessories War related risks
    Legal liability to passengers who do not pay fares Consequential loss
    Contractual liability
    Loss of accessories by theft
    If used/driven outside geographical area

    Insured Declared Value - New India Car Insurance

    • The Insured Declared Value (IDV) of a car is usually determined based on the listed price of the manufacturer and the brand of the car.
    • The IDV usually refers to the sum that the policyholder will be eligible to avail at the time of making of a claim.
    • If the car is 5 years or older the IDV will have to be calculated based on an understanding between the insurance provider and the insured party. Below is the sample illustrating how IDV is calculated:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 2 years 20%
    Exceeding 2 years but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    New India Car Insurance Cashless Garages

    New India has a wide network of cashless garage network garages were customers can avail services without any hassles. You can log on to their website to find out where the nearest network garage is located or even call on the toll-free number for 24/7 assistance on this.

    Claim Process New India Car Insurance

    The claim process will vary slightly depending on the type of claim made. This depends on if the damage is caused due to an accident, theft, natural calamities, manmade calamities or by a third-party. In general, to make a claim, the policyholder has to first notify the insurance provider and keep basic documentation in place. Claims can be made through the wide cashless garages network, where the customer can drive the car or get it towed for repair. In this case the service will be cashless and the insurance provider will directly pay the concerned network garage. In case, repair works have already taken place, reimbursement of the same expenses can be claimed under the insurance policy. In case of an accident, theft, or bodily injury, one should always keep in mind that it is best to inform the police and file an FIR at the nearest possible police station. Following are the documents that need to be kept in place while making a claim:

    Self-attested claim form
    Copy of the driving license of the policyholder
    Registration certificate of the insured car
    Road tax certificate of the insured car
    Police FIR if the damage was caused due to an accident
    Claim intimation form issued by the insurer
    Invoice from the service station
    Receipt of the last-paid premium
    Fitness certificate of the vehicle

    Cashless Claim Process New India Car Insurance

    Let’s explore the cashless claim process:

    • Intimate the insurance provider
    • Drive the car to the network garage or get it towed
    • Provide policy details
    • The payment for the service will be made by New India to the empanelled network garage

    Reimbursement Claim Process New India Car Insurance

    Let's explore the reimbursement claim process:

    • Intimate the insurance provider
    • Keep all bills, invoices and expense documents ready for submission
    • Fill in the duly signed claim form
    • Give all policy details, submit the form and the bills
    • Reimbursement should be made within 7 working days

    FAQs  

    1. How can I pay for the premiums of my New India car insurance policy? What if I have failed to renew my car insurance policy? Can I still make a claim? 
    2. You can pay for the premium of your car insurance either online on the website of New India Assurance via your debit card, credit card or net banking account or you can pay via cash or cheque at any branch of the insurer. If you’ve failed to pay your premiums on time and have allowed the policy to lapse, then your claim will be rejected.  

    3. How can I renew my New India car insurance policy online? 
    4. Follow the steps to renew your car insurance policy online on the website of New India Assurance:  

      • Visit the New India Assurance website and login using your customer ID and date of birth.  
      • Once you have logged in, enter your policy number and expiry date, and click on ‘proceed’.  
      • Choose renew policy and enter the payment mode – debit card, credit card or net banking.  
      • Pay for the policy and print the receipt.  
    5. Why was my car insurance policy rejected?  
    6. Your car insurance policy was rejected either because you have not paid your premium for the car insurance plan or possibly because your car was damaged following an incident or condition that is listed in the policy exclusion list. Basically, if the damage to the car is deemed as consequential loss – due to your fault.  

    7. What should I do if I have serviced my car following an accident at a service station that is not listed by New India Assurance? 
    8. If your car has been serviced at a garage that is not a network service station of New India Assurance, then you have no option for the cashless claim settlement, and you will have to settle for the reimbursement claim settlement. Basically, you will have to make the payments for the service from your own pocket and then submit the bills and relevant documents to New India Assurance for reimbursement.   

    9. How soon should I raise a claim following an accident?  
    10. Following an accident, you should waste no time in intimating the insurer about the incident. The insurer might send a surveyor to assess the damage caused to car and figure out the cause of the accident or you will have to get the insurer to get the car towed to the closest network garage of New India Assurance. The network garage will then process the claim for the cashless settlement.  

    New India Car Insurance Reviews

    • New India Car Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I have used the car insurance policy previously with the New India Assurance for approximately four years. I have not experienced with any claim with this insurance policy. The premium and the IDV value is satisfactory added on that the coverage is very good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 30, 2019
    • New India Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The premium is lower with the New India Assurance where i have taken the car insurance with this where the best feature is that the IDV value is excellent. I have not experienced with any claim with this insurance policy. I had a very good experience with this policy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jan 23, 2019
    • New India Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I have taken the car insurance policy with the New India Assurance where the premium is satisfactory also the IDV value is satisfactory with this policy. I have not experienced with any claim with this insurance policy. the policy coverage is for zero depreciation.
      Was this review helpful? 0
      , yamuna nagar
      Reviewed on Jan 19, 2019
    • New India Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have purchased the car insurance policy through New India assurance with where i had no claim experience with this policy but the policy coverage is for comprehensive. I have not experienced with claim with this policy. The premium and the IDV value is also good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 12, 2019
    • New India Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the car insurance policy with the NEW INDIA ASSURANCE but i had no claim experience with this policy. The premium and Oslo the IDV value is satisfactory with this policy. The policy coverage is for basic insurance for this policy.
      Was this review helpful? 0
      , haridwar
      Reviewed on Jan 05, 2019
    • New India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      New India Assurance is the insurer where i have purchased the car insurance insurance policy and i have used previously. The premium i paid is for nominal but i am not sure about the policy coverage they have offered with this policy. I had no claim experience with this policy.
      Was this review helpful? 0
      , fatehabad
      Reviewed on Jan 03, 2019
    • New India Car Insurance
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      There is no particular reason for purchasing the car insurance policy with the NEW INDIA ASSURANCE. The documentation process is very good also the premium i paid is for approx 6k and the policy coverage is satisfactory added on that the IDV is very good.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 03, 2019
    • New India Car Insurance
      "Need to provide a better service"
      0.5 3.0/5 "Satisfactory"
      The insurance was very pricey and even the claim was not good, I did many claim with them. The premium was on the higher side hence have changed the insurer for this year. I have an agent who deals for me. The claim was for reimbursement and the process was lengthy.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Jan 03, 2019
    • New India Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I took my car insurance from New India Assurance through online channel, it has lower premium and IDV value is high. The customer service is good. I got the soft copy which have downloaded and not received the hard copy. I have no claim and Its a first party insurance. The premium was paid via online and its a one year policy.
      Was this review helpful? 0
      , mansa
      Reviewed on Dec 30, 2018
    • New India Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I never used the customer service till now and I don't have claim experience. The premium was less with New India Assurance and gone for the car insurance. I got the insurance paper. I have paid the premium through online. It is a zero dep policy and taken for one year. It is a first party insurance.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 30, 2018
    • New India Car Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      The customer service was good. I have taken the car insurance from New India Assurance which has many facilities. The premium is also less compared to others. I have no claim and its a first party insurance, includes bumper to bumper. It is a one year policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 30, 2018
    • New India Car Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      It was given by the showroom with New India Assurance, the premium was high comparatively with other and also the IDV is little low. I have not done a claim and there was no problems. I got the update for the policy renewal which have no idea about other benefits.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 20, 2018
    • New India Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I have no claim experience. The premium is low with New India Assurance and the benefits are good. It is a first party insurance and have not been with the customer support. The policy coverage is average and got the insurance paper. I have taken it through online.
      Was this review helpful? 0
      , varanasi
      Reviewed on Dec 19, 2018
    • New India Car Insurance
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I don't have a customer service and claim experience. It is a Central Government Sector, while doing the comparison and I have found the rates are cheaper so I have chosen New India Assurance. previously I have been with ICICI LOMBARD, now premium is high. The policy coverage is 4L. It is a zero dep policy which has bumper to bumper offer. It is a first party insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 17, 2018
    • New India Car Insurance
      "Need to improve the claim process & customer support"
      0.5 3.0/5 "Satisfactory"
      I have been with New India Assurance for long time, I am very happy with them. I do get reminder calls for the policy renewal. They need to improve the customer service, I had a claim and am not satisfied with the process I had to go round and round, it consumes more time and hassle. The premium is competitive.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 11, 2018
    • New India Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      I have taken this car insurance before a year. New India Assurance is giving lowest premium compared to others. The customer service is good and they do respond on time. The policy coverage is 3.75L for my car. There is an offer for bumper to bumper. The payment mode is online and it is very much convenient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 05, 2018
    • New India Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My car insurance is with New India Assurance. The process and customer support is good. I received the policy document on time. I have taken a Motor Package (Zero Depreciation) plan. It is a whole coverage for the vehicle. The policy documents was sent to me on time too.
      Was this review helpful? 0
      , greater noida
      Reviewed on Nov 29, 2018
    • New India Car Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken my car insurance with New India Assurance. The customer support is fine. The policy coverage is also good. There are good features of a road side assistance and there are cashless garage facility. The premium is also nominal for me.
      Was this review helpful? 0
      , surat
      Reviewed on Nov 27, 2018
    • New India Car Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I initially had my car insurance policy with New India Assurance. The customer support was good and there were no hassles to get my policy done. The policy coverage value is fine and the premium cost is nominal too. There are good benefits as well on the policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 23, 2018
    • New India Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with New India Assurance. The customer support and response is fine. The policy coverage is good. The premium cost is nominal. I have taken a car insurance policy and the plan is a Motor Package (Zero Depreciation).
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 16, 2018
    Common Loader Icon
    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.