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

    New India Car Insurance

    Car Insurance
    • Get third party cover at low premiums
    • 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
      "a good experience"
      0.5 4.0/5 "Great!"
      I had applied and got a car insurance policy from NEW INDIA ASSURANCE. My annual premium amount is very affordable by comparing with previous policy which is Rs. 6,410/-. The customer support is good and well responsive. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , puttaparthi
      Reviewed on Feb 23, 2018
    • New India Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from New India, I have not taken any claim from the policy, everything is going well, so far the policy is fine, my final premium is around Rs.4,989 and Idv is around Rs. 1,50,885. The processing was done on time and I am happy.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 23, 2018
    • New India Car Insurance
      "best"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Car insurance policy from a NEW INDIA ASSURANCE company. My premium amount is Rs. 13,361/- which is affordable by comparing with previous car insurance policy. Mostly each and every benefits are covered under under one policy. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Feb 23, 2018
    • New India Car Insurance
      "Good policy"
      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 Feb 16, 2018
    • New India Car Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from New India. My total premium is around Rs. 4,889 and Idv is around Rs. 2,30,000. I am happy to have taken this policy as the policy is good. I have been guided well and I received the policy on time. I do not have any issues with the policy I would say it's the best.
      Was this review helpful? 0
      , hubli
      Reviewed on Feb 16, 2018
    • New India Car Insurance
      "Good"
      0.5 4.5/5 "Excellent!"
      I have taken a Car insurance policy from New India. The final premium amount that I paid is around Rs. 8,884 and Idv is around Rs. 3,13,219. The policy is good I am satisfied with the policy it is fair enough. They provided good customer service as well. I would like to recommend this policy to others too.
      Was this review helpful? 0
      , tirupur
      Reviewed on Feb 08, 2018
    • New India Car Insurance
      "Satisfied with the features & process"
      0.5 4.0/5 "Great!"
      I have renewed my car insurance with New India Assurance. It was a very convenient process. I have taken a motor package plan. The premium is competitive and that is why I opted taking the policy from them. The ODV is also goo. There are features of no claim bonus, road side assistance and third party coverage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 03, 2018
    • New India Car Insurance
      "Good Claim Process"
      0.5 5.0/5 "Blown Away!"
      Last time I took car insurance with same New India Assurance, through the dealer. The premium was almost same and features was also same. I was taken bumper to bumper cover, hence my claim experience was good. When my silencer had some issue, I just went to the center server I got a cashless service and I got my vehicle within two days.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 02, 2018
    • New India Car Insurance
      "Its Better"
      0.5 5.0/5 "Blown Away!"
      New India Assurance gives proper IDV on proper premium, I don't have any issues with customer service as well. I made the premium around Rs. 11,000 I have insured Tata Zest, They gave me the IDV value around Rs. 4.08 lakhs. Features are good, they have road side assistance, third party and accidental cover. They connected with wider garages.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 02, 2018
    • New India Car Insurance
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      I previously had my car insurance with New India Assurance. The customer services are good. The process and the IDV was also good. I had no issues with the premium. The only drawback is the net work of garages is not much. I was able to purchase the process easily.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • New India Car Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I have Car Insurance a New India Assurance company, for past one year its good. I didn't face any claim experience. The premium was also good, they got tie up with wider garages in my location, it has all the basis features which protects my bike.
      Was this review helpful? 0
      , mysore
      Reviewed on Feb 02, 2018
    • New India Car Insurance
      "Good. But costly"
      0.5 3.0/5 "Satisfactory"
      When I purchased my car, I got the car insurance from New India Assurance. The customer services was good. I received the hard copy immediately. The reason I did not continue with them is because the premium was high. There was a difference of 5K.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 01, 2018
    • New India Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have a car insurance policy from New India. I have taken this policy for my other vehicles as well, and I have no complains with this policy. It's a satisfactory policy I have not taken claim yet but the Idv and premium is good. I would definitely recommend others too.
      Was this review helpful? 0
      , dibrugarh
      Reviewed on Jan 30, 2018
    • New India Car Insurance
      "Average"
      0.5 2.5/5 "Just OK"
      I initially had my car insurance with New India. I did not communicate much with them, neither did the team contact me to give me the details. There was no claim and the IDV and premium is also not up to mark. I am not too happy with the overall experience.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • New India Car Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      My earlier experience with New India Assurance was okay. The services are good and they are responsive. But the premiums were costly because they were providing a higher IDV. The IDV was not perfect for my car as the value of the car was not much. I did not need a higher IDV. There was a no claim bonus feature, but I could avail the same as there was a change of name in the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 15, 2018
    • New India Car Insurance
      "Good services in claim experience"
      0.5 5.0/5 "Blown Away!"
      My earlier insurance provider was New India Assurance. My car insurance was earlier with them. I also had a claim experience. There was a cashless claim facility and the process for claim was smooth. I did not continue with them this time because the renewal charges was on the higher side.
      Was this review helpful? 0
      , vadodara
      Reviewed on Jan 11, 2018
    • New India Car Insurance
      "Overall process is good"
      0.5 5.0/5 "Blown Away!"
      I earlier had my car insurance with New India Assurance. There were no hassles in their process to get the hard copy. It was sent to me on time. The policy was a bumper to bumper coverage. I did not have any claim. The overall process is good and satisfactory.
      Was this review helpful? 0
      , ganaur
      Reviewed on Jan 11, 2018
    • New India Car Insurance
      "Good features"
      0.5 3.5/5 "Pretty good"
      New India was good in the process for the car insurance. I can say it was a very hassle free process. I have taken a Motor Package (Zero Depreciation) plan. It is a kind of a bumper to bumper coverage. There are features of road side assistance as well.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 09, 2018
    • New India Car Insurance
      "Good Coverage"
      0.5 5.0/5 "Blown Away!"
      The reason why I took this insurance was it has a good IDV value. For the premium of Rs.15000 they gave me a good coverage in the Insurance. The cashless garages option over here is pretty good. The overall experience with them as of now has been pretty interesting.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 06, 2018
    • New India Car Insurance
      "Can be more beneficial"
      0.5 3.0/5 "Satisfactory"
      New India Assurance was over all good. I had my car insurance with this provider earlier. It would have been better if they had a cash less claim facility. This feature would have been helpful to me when I had a claim. I was asked to make the payment and then taken a reimbursement. The process for the claim was also lengthy as I had to follow up.
      Was this review helpful? 0
      , sagar
      Reviewed on Jan 06, 2018
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