Bankbazaar

National Auto Insurance

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 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

 4.5 / 5.0   by 204 users
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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

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National Auto Insurance Reviews

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  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 4.0/5 "Great!"
    I believe the premium is lesser for National Insurance car policy and they have good claim ratio when compared to private sector but the service needs to be improved. I done a claim there a small damage within a week time they came and took the details and within 15 days I got the reimbursement. I paid last premium of Rs. 10,461 for my Maruthi Baleno car.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 09, 2019
  • National Insurance
    National Insurance Car Insurance
    "Excellent car insurance policy"
    0.5 4.5/5 "Excellent!"
    I went to the dealer and he had a tie up with the National Insurance company hence i have chosen them. I paid the premium amount of Rs. 22000. They have provided me a coverage amount of Rs. 4 lakhs. They have provided me a hard copy of the documents. Its a zero depreciation policy. I get a facilities of no claim bonus, roadside assistance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jul 05, 2019
  • National Insurance Car Insurance
    "Very Good policy"
    0.5 5.0/5 "Blown Away!"
    When i purchase my car, the dealer has given me a policy from National. In National, they are giving a claim upto 100% only two times and for the third claim only 50% is covered. Since i have a Maruti car, they have a tie up with all the insurance companies. I had a good claim experience.
    Was this review helpful? 0
    , chennai
    Reviewed on Jun 24, 2019
  • National Insurance Car Insurance
    "Its better"
    0.5 4.0/5 "Great!"
    I am having car policy with National Insurance, from the beginning I am maintain car insurance with their end. The premium was also reasonable last time I paid around Rs.3000 its only for the third party cover, they don't have road side and 24 hours for this particular plan.
    Was this review helpful? 0
    , gandhidham
    Reviewed on Jun 22, 2019
  • National Insurance Car Insurance
    "GOOD"
    0.5 4.5/5 "Excellent!"
    I had no claim experience with NATIONAL INSURANCE and using from last more than 8-9 years. The premium paying was nominal than others when compared also the IDV value was nominal. The policy coverage is for bumper to bumper and also they are no claim, road side assistance is there.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 17, 2019
  • National Insurance Car Insurance
    "Value for money"
    0.5 5.0/5 "Blown Away!"
    I availed car insurance with National Insurance company for that I paid the premium around Rs. 8000 for one year. I took comprehensive plan which cover for me and the vehicle. They do have road side assistance, 24 hours service. Whenever I go for the renewal they are providing no claim features its good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 12, 2019
  • National Insurance Car Insurance
    "Good for money"
    0.5 5.0/5 "Blown Away!"
    I have Santro car it was manufactured in 2015, I took comprehensive plan its fully covered. I believe last time I paid Rs. 5500 of premium, however is no claim but they have road side assistance, 24 hours service with other benefits like no claim feature.
    Was this review helpful? 1
    , kochi
    Reviewed on Jun 06, 2019
  • National Insurance Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I have taken the two two wheeler insurance policy with the NATIONAL INSURANCE where the policy has the tenuity period of 3 years and the premium paid was nominal added on that the IDV value is satisfactory with this insurance policy. The coverage is for full.
    Was this review helpful? 0
    , lucknow
    Reviewed on May 30, 2019
  • National Insurance Car Insurance
    "Benefits should be increased"
    0.5 3.0/5 "Satisfactory"
    I feel National Insurance premium is higher, I paid the cost of Rs. 12,000 for per year policy. I took zero depreciate plan it has bumper to bumper. They need to improvement on the cash less network, they should tie up with local networks with brand recommend. I have ford figo car its just two years old for that they gave me only 60% of cover.
    Was this review helpful? 0
    , vadodara
    Reviewed on May 25, 2019
  • National Insurance Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with National insurance and using the service for last 5years. Its a full covered , first year bumper to bumper. Am paying 4,200 rupees yearly, its reasonable. One time have gone for claim, it was cashless which am satisfied.
    Was this review helpful? 0
    , coimbatore
    Reviewed on May 02, 2019
  • National Insurance Car Insurance
    "Very good"
    0.5 4.0/5 "Great!"
    I have one four wheeler insurance from nation insurance , this is one years insurance last six month back I renewal this one , and its amount is 6.5K , and their allover service is good , and I got their plane benefit , I am satisfied with this insurance ,
    Was this review helpful? 0
    , new delhi
    Reviewed on Apr 29, 2019
  • National Insurance Car Insurance
    "Good Claim settlement"
    0.5 5.0/5 "Blown Away!"
    One time I took car policy from National Insurance, the premium was economical and affordable. I took zero depreciation plan it covered my car front to back bumper. One time I claimed it for small damage, I paid the amount and submitted the bill to the insurer, they done the reimbursement.
    Was this review helpful? 0
    , kadapa
    Reviewed on Apr 20, 2019
  • National Insurance Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with the NATIONAL INSURANCE and i had no claim experience and they have offered the bumper to bumper coverage with this policy. They also given the road side assistance, the premium and the IDV value were good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Apr 06, 2019
  • National Insurance Car Insurance
    "Premium should be reasonable"
    0.5 3.5/5 "Pretty good"
    There is no claim experience for last 4 to 5 years, I have been renewing my National Insurance car policy. Last year the premium was huge around Rs. 15,000, I have zero dep bumper to bumper plan. This year premium its okay, I suggest if the person is not claiming, the insurer needs to reduce the cost.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Apr 02, 2019
  • National Insurance Car Insurance
    "Good"
    0.5 4.5/5 "Excellent!"
    I have chosen National Insurance for car insurance after comparing it online. They have provided higher insured declared value with lower premium and it includes zero dep. Once I will go for a claim then I can give better opinion. I have paid around 7,500 rupees for five years old vehicle. The policy period is one year.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 26, 2019
  • National Insurance Car Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    I had a car insurance with National insurance and it was good. I have applied through agency and they have provided me a best coverage but they charged me around 9K for one year policy. They have branches all over the India and more agents are there to support which am happy with the service.
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 07, 2019
  • National Insurance Car Insurance
    "Better"
    0.5 3.0/5 "Satisfactory"
    I am having a Alto Car and took an insurance from National Insurance. It was offered by showroom and am being with them till now. The customer service and response was better. It is a third party insurance and my vehicle is 10 years old. I am paying below 5K to purchase one year policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Mar 05, 2019
  • National Insurance Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    I had a car insurance with National insurance for one year and it was good. I had no claims with them. There was no reminder call from the customer service at the time of reasonable. The premium was okay but its quite high when compared to Bajaj Allianz.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Feb 04, 2019
  • National Insurance Car Insurance
    "Good Insurance"
    0.5 3.0/5 "Satisfactory"
    My Honda amaze car got insured with National insurance for one year of tenure period. I think my old premium amount was around Rs.30,000. I took first party comprehensive plan it covers for loss, damage, theft. The customer support is good even the IDV is good.
    Was this review helpful? 1
    , bhubaneshwar
    Reviewed on Jan 21, 2019
  • 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
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