"Spending a whole day looking for insurance is fun," said nobody, EVER!

    New India Car Insurance

    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 2,097 offices in the country with as many as 19,000 employees and 50,000 agents.

    Car Insurance Online from New India Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages NA
    Incurred Claim Ratio 2016-17 86.95%
    Net Earned Premium NA
    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

     

    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:

    Driving license
    RC book
    Policy details
    FIR, if required

    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

    New India Car Insurance Reviews

    • New India Car Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My car insurance is with New India assurance. I am pretty happy with the overall services as they were fast on the approval when I had a claim experience. There were facilities of a cashless garage too. The process was easy and the policy coverage is also good.
      Was this review helpful? 0
      , bhayandar
      Reviewed on Jul 19, 2018
    • New India Car Insurance
      "Excellent services "
      0.5 5.0/5 "Blown Away!"
      My car insurance is currently with New India Assurance. The process is easy and the main reason I have taken the policy with them is because the premium is much lesser. There are benefits of a road side assistance as well. The customer support is good.
      Was this review helpful? 0
      , gwalior
      Reviewed on Jun 26, 2018
    • New India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I got through the showroom. I have been using since 1 year. I had no claim experience. Premium is 18k and i am satisfied with the premium. Coverage is for b to b. Road side assistance is not there in my insurance. All over i am happy with the insurance policy.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 12, 2018
    • New India Car Insurance
      "50% coverage for claim"
      0.5 4.0/5 "Great!"
      With New India Assurance i had a car insurance were they are not providing road assistance. They have cashless garage. Long back there was a claim experience and i got the coverage of 50%. Rest i have to make payment from my part.
      Was this review helpful? 0
      , jabalpur
      Reviewed on Jun 09, 2018
    • New India Car Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      Documentation i have done it through the on line so my insurance is completely a paperless. I have been using from 6 months. I have no claiming experience so far that i had with my insurance. Coverage is good and it is around for 5 lakhs. Premium is little higher. IDV is good.
      Was this review helpful? 0
      , hubli
      Reviewed on Jun 06, 2018
    • New India Car Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I have taken the car insurance from New India Assurance. They have provided a good service. Though I have not had a claim experience. The process to get the policy was easy and smooth. I did not face any kind of inconvenience. They provided a good IDV too.
      Was this review helpful? 0
      , gulaothi
      Reviewed on Jun 04, 2018
    • New India Car Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      It is good experience i had so far with the insurance. I am using since 1 year. Documentation done through the on line. I have no customer service interaction. I had no claim experience so far. Coverage is good. ID value no idea. Payment i do through the on line for monthly once.
      Was this review helpful? 0
      , bhilai
      Reviewed on Jun 03, 2018
    • New India Car Insurance
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      It was good while buying the car insurance policy with New India Assurance. But the services has not been up to the mark. I had a claim but I was not able to get through with the cash less benefits. They do not have a tie up with any service provider. More over they do not answer the phone and I only had a landline number. So I had to take three days leave for this purpose. First was to go physically and submit the claim and the second was to submit the bill and the third leave was I had to follow up as they did not touch my file for the first ten days and after I followed up they started to process it. I got the car only after 25days. I had to pay 4800 out of the claim amount of 48K.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 02, 2018
    • New India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been holding from 5 years. It was good insurance. I have been holding from such a long years the reason is that they care for the customers a lot. I have got for my new car. Payment i do on line for yearly once. Once i had claiming to change my bumber.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2018
    • New India Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using this insurance for 5 years. I had taken the insurance for my new car. Paperless approval insurance i got to my car. No claim experience i had so far for my insurance. Policy coverage is good. I do payment through on line yearly once.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 27, 2018
    • New India Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      Got my Car insurance from new India assurance , i have chosen this policy mainly because of the budget .It has good policy coverage and benefits. Customer service and response is good regarding documentation . I came to know through online website about this policy .I pay annually through online banking.overall am satisfied with this insurance policy.
      Was this review helpful? 0
      , bikaner
      Reviewed on May 23, 2018
    • New India Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Got my Car insurance from new India assurance , i have chosen this policy mainly because of the budget .It has good policy coverage and benefits. Customer service and response is good regarding documentation . I came to know through online website about this policy .I pay annually through online banking.overall am satisfied with this insurance policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 23, 2018
    • New India Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have chosen New India assurance for car insurance . As i have compared with many insurance policy it the good one comparing to others . It covers the claim amount of 1 lakh with claim percentage of 70% for fiber, 100% for glass and 30 % for iron . The policy covers cashless garage , roadside assistance and bumper to bumper assistance .
      Was this review helpful? 0
      , nuh
      Reviewed on May 23, 2018
    • New India Car Insurance
      "Best in Quick Claim "
      0.5 5.0/5 "Blown Away!"
      I claimed my policy last years with New India. They have many cashless garages. I have very good experience with New India. They have given 70% of the claim. Dealer claimed the policy. They will give roadside assistance and bumper to bumper facility.
      Was this review helpful? 0
      , panvel
      Reviewed on May 17, 2018
    • New India Car Insurance
      "Low Premium with Excellent policy"
      0.5 5.0/5 "Blown Away!"
      People suggested me to take this policy from New India Assurance. I'm holding this policy for past 4 months. I have paid Rs. 17000 as premium payment. Tax benefits available. Cashless garage is not available. I'm not aware of the bumper to bumper service and roadside assistance is available.
      Was this review helpful? 0
      , jhansi
      Reviewed on May 15, 2018
    • New India Car Insurance
      "Normal policy "
      0.5 2.0/5 "Expected more"
      Got my Car insurance from new India assurance , i have chosen this policy mainly because of the budget .It has good policy coverage and benefits. As i trust this policy because its semi tied up with government. Customer service and response is average as they didn't explained the features and benefits . I came to know through on-line website about this policy .I pay annually through on-line banking.
      Was this review helpful? 0
      , kheri
      Reviewed on May 14, 2018
    • New India Car Insurance
      "Happy with the services"
      0.5 5.0/5 "Blown Away!"
      I Have a car insurance policy from New India, it's a good policy that I have taken I have no complains so far. The total premium is fine and even the Idv. I haven't claimed anything from the policy till now but I would like to rate it 5 out of 5. The customer service is also fine.
      Was this review helpful? 0
      , mohali
      Reviewed on Mar 25, 2018
    • New India Car Insurance
      "IDV is very low"
      0.5 4.0/5 "Great!"
      I own a car insurance policy from the Private sector insurance company NEW INDIA ASSURANCE, Overall its a good policy. IDV is very low Rs. 1,59,84/-. But my IDV is Rs.2,00,000/- at last year. I uploaded all documents in online itself. The application process is very easy and simple. I can prefer for online payments renew my two wheeler insurance policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 18, 2018
    • New India Car Insurance
      "Good Comprehensive Policy"
      0.5 4.0/5 "Great!"
      New India done the car insurance process on time, I took motor package policy for my Toyoto car. I didn't face any issues, so far everything going well, they gave me basis coverage like road side assistance, third party cover, no claim bonus. But they don't have cash less service in this plan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • New India Car Insurance
      "Looking for better features"
      0.5 4.0/5 "Great!"
      New India is okay as other insurance company but I felt the premium is higher for the comprehensive policy as same feature like third party cover, accidental. But my last year car insurance coverage was not upto the mark in that one or two benefits was not there.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
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