"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
      "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
    • New India Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My previous car insurance provider was New India. The policy was good and decent, the processing was done on time and I received all the documents, the premium and the Idv amount I was receiving was also good. I never had claim experience but as per policy it was good.
      Was this review helpful? 0
      , jaipur
      Reviewed on Mar 13, 2018
    • New India Car Insurance
      "Good Comprehensive Policy"
      0.5 4.0/5 "Great!"
      Everything was done on time and it was quick, they gave me nominal policy cover. I paid car insurance premium amount around Rs. 4000 for the Hyundai Eon Magna car. National India gives me third party damage cover, road side assistance and accidental policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2018
    • New India Car Insurance
      "Need to provide more features"
      0.5 2.5/5 "Just OK"
      Though the premium is nominal at New India assurance. It was around 11000. There were no good features and benefits in the car insurance policy. They offered a lesser IDV and there were no other features like road side assistance and zero depreciation.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 07, 2018
    • New India Car Insurance
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      They gave me better coverage, I have Swift Dzire 2015 model, New India Assurance gave me three years of car insurance. The policy coverage value is good around Rs. 4 lakhs. I paid the premium around Rs. 15,100. My my car got damager, they come up with prompt response and they took my vehicle to the showroom within 2 days they changed the parts and done the cash less service.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Mar 05, 2018
    • New India Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from New India. The policy is good and satisfactory I have no issues with the policy coverage, my final premium is around Rs. 9,353 and Idv is around Rs. 2,95,313. I have not taken any claim hence can't comment on their post services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • New India Car Insurance
      "Good "
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from New India. The policy is good as the processing was done on time and the policy coverage is also good. The final premium I paid is around Rs. 7,985 and Idv that I am receiving is around Rs. 2,26,328. I am satisfied with the policy but I cannot recommend anyone until I make a claim and make use of the policy and their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • New India Car Insurance
      "Premium should be worthy for IDV"
      0.5 4.5/5 "Excellent!"
      New India assurance premium is not upto the mark compared to the IDV value which they offered me. Last time it was good, they collect some premium they gave worthy IDV value. But this time when I check for the renewal, the premium amount is not value for the IDV cover. However they do have cash less service and other benefits.
      Was this review helpful? 0
      , dhule
      Reviewed on Mar 05, 2018
    • New India Car Insurance
      "Premium should be ecomical"
      0.5 4.0/5 "Great!"
      Last time I paid the premium around Rs.8,000 to New India Assurance, but I didn't face any claim in last year. Hence I thought to go with lower premium therefore I went to the online channel they suggested Bajaj Allianz its affordable for me. But I believe New India assurance has no claim bonus features however premium was high.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 05, 2018
    • New India Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy from New India and I am satisfied with the policy it's a good policy. The total premium is around Rs.8,225 and sum assured to me is around Rs. 5,00,000. I did not face any kind of difficulty so far with the policy. The processing was done on time.
      Was this review helpful? 0
      , garhshankar
      Reviewed on Feb 27, 2018
    • New India Car Insurance
      "better"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance policy from a NEW INDIA ASSURANCE. I didn't have any claim experience so i cant able to comment on it. My annual premium amount is so affordable by comparing to my previous car insurance policy, I can say it is one of the best policy.
      Was this review helpful? 0
      , davanagere
      Reviewed on Feb 25, 2018
    • New India Car Insurance
      "Perfect corporate policy"
      0.5 5.0/5 "Blown Away!"
      I had applied and got a Health Insurance from a NEW INDIA ASSURANCE company. Most of all benefits are covered under one policy. The customer service is good and very responsive. I didn't have any claim experience so i am unable to comment about it.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 25, 2018
    • 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
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