Insurance is like a spare tyre. You may not require it, but not having one is not an option.

National Auto Insurance

 4.5 / 5.0   by 185 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

National Auto Insurance provides complete protection for four wheelers and two wheelers with the inclusion of property and third party liability coverage. National Insurance mandates that the vehicle insured must be registered to the owner or the policyholder to ensure that he enjoys maximum benefits from the auto insurance policy. A National Auto Insurance policy is generally an annual policy, but the company also provides exceptions like long term two wheeler policies which are valid until the vehicle’s condition is maintained as per RTA standards. Customers have the flexibility to purchase or renew their National vehicle insurance policies online by using their credit or debit cards.

Key features of National Auto Insurance

  • A National Auto Insurance policy can be taken for four wheelers bought for any kind of use excluding carriage of goods, hiring, racing, speed testing and motor trade activities.
  • Customers can also avail additional coverage for loss of accessories, legal liability paid to drivers, accidents to passengers along with increased legal liability to third party property damage up to an amount of Rs 7.5 lakhs.
  • The National Auto Insurance policy also includes the no-claim bonus feature and customers can get discounts if they opt for a higher voluntary excess.
  • Policy holders can also renew their existing auto insurance policies from other insurers on the National Insurance web portal and enjoy full benefits of the No-claim bonus earned previously.
  • National Auto Insurance also provides discounts for installation of anti-theft devices in vehicles and concessions for modified vehicles serving physically and mentally handicapped persons.
  • Customers can easily make a claim settlement by registering with National Insurance and submitting the required documents and information to the insurer.

National Auto Insurance policy coverage

The National Auto Insurance policy includes two types of coverage for a policy holder.

Liability Only Cover - This cover insures a customer against any legal liability arising due to injury or death of third party during an accident involving the customer’s vehicle. Though the policy does not cover any vehicle specific damages, it does include protection for third party property damage up to an amount of Rs 7.5 lakhs.

Package Cover - This cover insures all liabilities, including third party coverage and damages or loss of own vehicle. The coverage under ‘Own damage’ extends to damages incurred due to accidents, fire, explosions, transit, theft, riots or natural calamities.

Exclusions under the National Auto Insurance policy

The National Auto Insurance policy does not include the following conditions under its coverage umbrella.

  • Consequential loss
  • General wear and tear of the vehicle
  • Electrical or Mechanical breakdowns
  • Vehicle failures or breakages
  • Tyre damages are not covered unless the vehicle is also damaged at the same time and the liability of the insurer is limited to 50% of the replacement cost.
  • Any damage or loss suffered due to accidents happening with the insured driving under the influence of alcohol or without a valid driving license.
  • The company compensates the cost of a part of the vehicle that failed and eventually lead to the accident to occur.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

National Auto Insurance Reviews

Page 1 of 10 1 2 3 4 5
  • National Insurance Car Insurance
    "Smart protection with National"
    0.5 4.0/5 "Great!"
    The major factor to chose National Insurance because of the premium is economic, I took the policy for 3 years the IDV value remains the same for the whole tenure. The customer support is good on time they activated the policy. I have Tata Tiago , its around four months vehicle. Its zero depreciation comprehensive plan. I taken the policy through showroom.
    Was this review helpful? 0
    , lucknow
    Reviewed on Jan 19, 2019
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Insurance policy for my Maruti Car and i had been paying the premium on an annual basis. The premium amount has not been too high and there has been cash less garages available with this insurance policy. Their customer support has also been helpful at times.
    Was this review helpful? 1
    , pune
    Reviewed on Jan 09, 2019
  • National Insurance Car Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have take car insurance from the NATIONAL India assurance based on the befits and comfortable premium amount . They are giving Bumper to bumper coverage . They explained the policy benefits and claiming process . Overall am satisfied with my policy and service .
    Was this review helpful? 2
    , ahmedabad
    Reviewed on Dec 16, 2018
  • National Insurance Car Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    I think I paid the premium around Rs. 28,000 for IDV value of Rs. 3 lakhs for the tenure of one year. I have model of maruthi swift its 2015 model, it has bumper to bumper coverage, its protects only for my car. They will provide no claim bonus on next year.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 01, 2018
  • National Insurance Car Insurance
    "Good Car insurance "
    0.5 5.0/5 "Blown Away!"
    My car was insured with National car Insurance 3 months before. I have purchased the policy through online. They have given me a third party coverage and they have given me a instant insurance. I have paid the premium amount of Rs. 2950. They have given me a coverage value of Rs. 50000. By online, i have done the documentation process.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 23, 2018
  • National Insurance Car Insurance
    "Good Protection for Four wheeler"
    0.5 4.0/5 "Great!"
    I took the car policy from the dealer, I paid the premium around Rs. 25,000. It gave me bumper to bumper 100% of total protection for my vehicle. I got my policy documents on time even the customer service is good. I would say I got best insured value.
    Was this review helpful? 0
    , kanpur
    Reviewed on Nov 22, 2018
  • National Insurance Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I took my car insurance with National insurance before 9 months. The customer service is good and they provided a proper service. I have received the insurance papers on time. There is no claim experience. The policy coverage is 4L. My friend is working there and he has recommended.
    Was this review helpful? 1
    , kochi
    Reviewed on Nov 21, 2018
  • National Insurance Car Insurance
    "Good insurance for car"
    0.5 5.0/5 "Blown Away!"
    When i purchase my car, they have provided the car insurance policy with National and they have charged me a premium amount of Rs. 14000. I have taken a one time claim. The claim experience was very good. They have given me a claim amount of Rs. 11000. The claim was fully cashless covered. I pay for the consumable items
    Was this review helpful? 0
    , dehradun
    Reviewed on Nov 13, 2018
  • National Insurance Car Insurance
    "Good Policy for four wheeler"
    0.5 5.0/5 "Blown Away!"
    National insurance is good, I have been holding the car policy with them around one year. My car showroom person have suggested this policy, I got better insured declared vehicle. Its new car brand swift dezire with bumper to bumper protection.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 09, 2018
  • National Insurance Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have taken a car insurance with National insurance for 1 year, I have to pay a premium of Rs 10000 for this health insurance policy. The benefits of this car insurance is, it is 0% depreciation and it has a full coverage. Customer service was very good and their response was on time.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Sep 12, 2018
  • National Insurance Car Insurance
    "Average Service"
    0.5 3.0/5 "Satisfactory"
    My Car insured with the National Insurance. I am paying a premium of 3000, I do not have any claim experience with the policy and it offers features as cashless garage and roadside assistance. So far it has been an hassle free experience with their services.
    Was this review helpful? 1
    , lucknow
    Reviewed on Sep 11, 2018
  • National Insurance Car Insurance
    "Fraud on insurance"
    0.5 1.0/5 "Really Bad"
    Loan Acc No : 5002098252 TN22 DD 7996 Based on the guidance of the officials who works at T nagar branch, Chennai, i did the insurance. They told me hereafter insurance is to be renewed by myself as my insurance alliance with TMF was cancelled so i did insurance myself. But now they are not responding for refund my money. So please pay back my money which i have paid so far.
    Was this review helpful? 2
    , chennai
    Reviewed on Sep 11, 2018
  • National Insurance Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this Car insurance pretty long time back. I had been making the payments of the premium yearly once and the premium amount had been nominal. Their customer support had been responsive and there has not been any hassle faced so far.
    Was this review helpful? 1
    , coimbatore
    Reviewed on Sep 04, 2018
  • National Insurance Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My car is insured with the National Insurance, I am paying the premium of 6000 yearly. They also offered a fair IDV value for the car. So far there hasn't been any claim experience with the policy. I haven't faced any issues with their services too.
    Was this review helpful? 1
    , kochi
    Reviewed on Aug 04, 2018
  • National Insurance Car Insurance
    "Average Service"
    0.5 3.0/5 "Satisfactory"
    My car is insured with the National Insurance. I do not have any claim experience with the policy. This policy do not have bumper to bumper coverage. Considering the premium I pay it is a good car insurance policy to have.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jul 26, 2018
  • National Insurance Car Insurance
    "Good Service so far"
    0.5 4.0/5 "Great!"
    My car is insured with the National Insurance. I have a paid a premium of 27000 and I don't know much about the policy in detail. So far it has been a good experience and I never claimed this policy.
    Was this review helpful? 2
    , gurgaon
    Reviewed on Jul 14, 2018
  • National Insurance Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have my car insured with National Insurance from last 5 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 5500 for this insurance and they cover third party damages.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jul 13, 2018
  • National Insurance Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    My car is insured with the National Insurance. I have Claimed it once and it was a seamless experience. I am paying a premium of 12000 an year and the IDV value was also fair for my car. Overall it has been a very good experience with the national insurance.
    Was this review helpful? 1
    , new delhi
    Reviewed on Jul 12, 2018
  • National Insurance Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My car is insured with National insurance from last 10-12 years and it is one of the good policy. I pay a premium of Rs 9000-10000 for this car insurance. I have claimed once in 2010 and the experience was very good, road side assistance was given and there was a cashless garage.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jul 01, 2018
  • National Insurance Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am holding the car insurance from the NATIONAL INSURANCE. I have a good experience with the life insurance I have got through the on line where the process is so simple. I had a no claim experience i had so far with my insurance. The coverage is for B to B.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 01, 2018
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