National Car Insurance FAQs

National Insurance is a top brand to begin with. You can avail several benefits when you have opted for NIC as your preferred motor insurance partner. Here’s a few:

• Buying or renewing policy online is a quick and seamless experience
• Settling claims is easier done than thought. It’s quick and hassle-free
• Avail 24*7 assistance
• Diverse list of add-ons to choose from
• National Insurance offer discounts other than zero depreciation

Gone are the days when you had to drop by a branch and make payments for your insurance premium. Give us a call on 7551196989. You can compare from multiple options and make payment online via credit card, debit card or net banking

Yes, it is! To request for a claim, you must begin by informing the insurance company. A surveyor is appointed, followed by a thorough survey of the insured vehicle. Repairs and replacements are done, and your claim is settled. In case of non-cashless, the agreed claim amount is reimbursed soon after the repairs are completed

It is mandatory to insure your vehicle with a liability only policy at-least. Buying motor insurance from NIC benefits you in n number of ways. You can avail the advantage of 24*7 assistance, hassle-free claim settlement, convenient and seamless shopping experience and others

Making changes to an existing policy is not as hard as it sounds. It is important to maintain communication with the insurance company. Alteration of a name, modifications in a car, change of communication address, phone number and so on so forth is done by the insurer. The process is known as endorsement

Yes, you can! National Insurance offer insurance plans for all types of vehicles

IRDA has mandated customers to have Personal Accident Cover in their motor insurance policies. Give us a call at 7551196989 and we will help you to buy a personal accident cover along-with your policy online

The company rewards you with added discount if:

• Car Registration Number
• You are a member of The Automobile Association
• You have secured your car by installing approved anti-theft devices
• Opted for higher voluntary deductibles although this will result in you paying a fixed amount in case of any claim

No, the zero depreciation add-on cover does not offer protection against electrical/mechanical breakdown. For that, you would need to buy the Engine Cover add-on.

You can save a hefty amount with the zero depreciation add-on cover. For example, the depreciation of fibre glass parts is 30%. This means you can do away with the liability of bearing this 30% expense.

No, depreciation of any bi-fuel kit is not covered under the zero depreciation insurance policy.

Yes, you can buy the National Third Party Car Insurance online from the company’s website or via our platform InsuranceDekho which enables you to compare policies offered by all leading insurance companies in India.

A third party car insurance does not provide coverage for the following: Damages incurred by the insured vehicle in an accident/natural calamity or any other mishap. Bodily injuries of the policyholder Death of the policyholder in case of no purchase of a personal accident cover.

Though having a third-party cover ensures necessary security at reasonable premium rates, opting for a comprehensive car ensures a complete and all-around coverage of your car against any kind of possible damage along with loss due to theft of the car.

The characters are meant for verification. Just type the alphanumeric characters displayed there and hit ‘Renew Policy’ to proceed with payment. The payment can be done using a debit/credit card or via Net Banking.

Since it is compulsory for every vehicle owner to have insurance for their vehicle and the most basic insurance coverage is against third-party liabilities, it becomes mandatory by law to keep that policy active. Expiration of policy is finalized after a period of 90 days given for renewal of the same.

No, National Insurance will not be liable to sanction any claim if your policy has expired before the occurrence of an accident. Hence it is advisable to renew your policy on time to avoid such uncertainties.

Yes, you can choose for a 3 year comprehensive car policy only if your car is purchased on or after 1-9-2018.

Under the National Comprehensive Car Insurance, if you successfully manage to maintain a claim-free driving year, then you can avail this No-Claim Bonus benefit at the time of policy renewal.

You can include the following add-ons in your comprehensive car policy by paying extra premium:

• Zero Depreciation Cover
• Invoice Protection Cover
• NCB Protection Cover
• Engine Protection Cover etc.

You can pay your premium through debit card, credit card, and net banking at Insurance Dekho. The availability of UPI and Wallet payment methods vary from insurer to insurer.

The amount of the deductible is dependent on the cubic capacity of the car in the following manner:

• Rs 1,000 for cars up to 1500 cc
• Rs 2,000 for cars more than 1500 cc.

The No-Claim Bonus (NCB) is a specific discount or bonus, which is offered by the insurance provider to reward its customers for not requesting any claim during a policy period. The NCB discount is applicable on the own-damage premium of your policy at the time of renewal.

With zero depreciation coverage, you are exempted from paying the default depreciation applicable on your car and its parts except for tyres, tubes and batteries which are covered for depreciation at 50%. However, you will be required to pay for the compulsory and voluntary deductibles, if opted for.

You can earn the No Claim Bonus (NCB) discount from 20 % to 50 % on the own damage policy premium depending on the number of claim-free years.

You can request for a claim if any damage is incurred by your car due to a natural or man-made calamity such as:

• Burglary or theft
• Riot and strike
• Terrorist Act
• Fire, explosion, or lightning
• Earthquakes, floods, typhoons, hailstorms, etc.
• Rockslide or landslide incidents
• Accidental external means and so on.

Yes, lodging an FIR immediately with police is compulsory. You also need to submit a copy of it to the National General Insurance Company.