National Car Insurance

National Insurance Company, one of the premier insurance firms in India, offers a third-party liability policy and a comprehensive car insurance policy. The company also offers benefits like cashless claims settlement, discounts, etc., to customers.
Car Insurance
  • Get both third-party cover and comprehensive cover
  • Choose from a variety of zero depreciation and roadside assistance covers
  • 3100+ cashless garages

National Insurance Company Limited (NICL) is a fully central government owned general insurance company based in India. The company headquartered at Kolkata was established in 1906 and nationalised in 1972. NIC's gross direct premium income has steadily grown to about INR9000 crores rupees in the financial year 2012-13.

National Car Insurance Policy Highlights Updated on 07 Jun 2020

Features Specifications
Third Party Cover Upto 7.5 L
Incurred Claim Ratio* 121.67%
Net Earned Premium* 5008.23

*For Year 2017-2018

Benefits of National Car Insurance

The company lists over 15,000 skilled employees in its rolls, with 1,340 offices and 373 business centers across India, and is operational in Nepal too. The company has been recognized as ‘Best in Service’ in the Motor and Health classes of the insurance business which comprise of 63% of the Indian non-life insurance market. In terms of Motor Insurance, the company has extensive tie-ups with leading automobile makers including Maruti, Tata Motors, Nissan, Honda, etc. When it comes to insurance in India, NIC is definitely a leading choice.

Private Car Insurance from National Insurance Company Ltd.

The Motor Insurance policy from National Insurance Company (NIC) is highly pro-customer and brings in a range of features that provide 100% protection to your cherished set of wheels. With regular features such as protection against unintentional loss or damage caused to your car, theft, or the involvement of your vehicle in accidents that could have caused injury, loss of property or death of a third party, a network of experts who give new meaning to the concept of customer support and the simplicity of purchasing the policy online, make the private car insurance from NIC a hearty proposition.

Key Highlights & Features of NIC Motor Insurance

  1. Covers vehicles used for social, domestic, and professional purposes (excluding carriage of goods by a driver other than the registered owner) as used by the insured or the insured’s employees. This excludes the use of the vehicle in cases such as for hire or reward, speed tests, reliability trials, pace setting, racing, and any scenario involving motor trade.
  2. Additional cover for loss of accessories, legal liability to paid driver, personal accident to the owner and other occupants of the car, and increased legal liability to property damage concerning a third party to the tune of Rs.7.5 lakhs.
  3. Provision for ‘No Claims Bonus’ if no claims are issued through the policy tenure. Also, discounts are applicable when opting for higher voluntary excess.
  4. Generally, annual policy tenures are issued. However, exceptions do exist to this rule.
  5. Purchasing the Motor Insurance is very simple- Buy online using credit/debit card or net banking. It takes just 5 minutes!!
  6. Avail discount for approved anti-theft equipment installed in the vehicle. There is also concession for custom designed vehicle that would be used by blind, handicapped or mentally challenged people.

What are the Coverage Options Available under National Car Insurance Scheme?

Insuring your car is mandatory in India as per various motor vehicle laws enacted by both state and central governments. Two types of coverage options are available under National car insurance:

  1. Liability-only cover: This type of coverage insures you only against third-party legal liability arising out of an accident involving your car. It covers the risk of injury or death of a third party and third-party property damage up to 7.5 Lakhs. In case of a mishap, no protection is offered to your vehicle or its occupants.
  2. Package Cover: Also known as comprehensive cover, this is an all inclusive which covers all liabilities which includes damages to own vehicle, self, occupants of the car along with statutory provisions for third-party damages.

Sum Insured for the NIC Motor Insurance

The coverage for your cherished vehicle will depend upon the manufacturer’s listed selling price, while subtracting the depreciation factor for each year or the Insured Declared Value (IDV). Herein, the IDV is the max amount payable in the event of a claim raised in relation to the total loss or theft of the vehicle.

Incidents Covered under the Private Car Package Policy

Third Party Liability This covers situations wherein your vehicle was involved in an accident that caused loss, damage to property (payable upto Rs.7.5 lakhs) and/or injury, death to a third party
Own Damage Cover
  • This cover protects the insured vehicle from damages caused by natural mishaps such as fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, and rockslide
  • It also offers coverage for man-made disasters such as accidents, burglary, theft, riot, strike, malicious act, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air, etc.
Personal Accident Cover As part of the overall motor insurance, and in accordance with the Motor Vehicles Act, NIC provides personal accident cover in the event of your unfortunate accident while driving. This accident cover can also be extended to passengers, whose number equals the maximum permissible occupancy in the vehicle.

Exclusions - Incidents that are not Covered by the Policy

  1. Anything from loss, wear and tear resulting from prolonged use as well as electrical and mechanical breakdowns or failures.
  2. Damage to the tyres of the vehicle. However, tyres are covered under the policy when they are damaged in the event of an overall vehicle accident, when the liability of NIC equals 50% of the cost of replacement.
  3. Damage/accidental loss caused to vehicle when the driver, or the driver assigned by the insured, was driving under the influence of alcohol or other mood/mind stimulating substances.
  4. Cost incurred for automobile parts and allied labour, failure of which led to the accident.

Why Should You Buy Insurance from National Insurance Company Ltd.?

Coming from one of India’s oldest insurers, the questions of reliability and operational competence takes care of itself. The Motor Insurance from the National Insurance Company is tailor-made for those who seek a simple, all-inclusive, robust and scalable insurance policy to protect their investment on their chosen set of wheels. Breathe a sigh of relief, and be protected against a range of natural and man-made calamities with Motor Insurance from NIC.

NIC was the first Indian insurance provider to get into strategic partnerships with automobile industry giants such as Hero MotoCorp and Maruti. These alliances brought about landmark reforms in the method of service delivery in the automobile industry.

NIC was also the pioneer in establishing Bancassurance relationships with the largest banks in the country. The company has been accredited with stellar ratings and have received several awards for its innovative reforms, consistent performance in the investment space, and strong market presence.

Depreciation in National Car Insurance

Depreciation is the loss in the value of a car over a period of time. The rate of depreciation is applicable from the time a car is purchased. The insurance company calculates the Insured Declared Value (IDV) of the vehicle based on its depreciation. IDV is effectively the manufacturer’s listed price of the vehicle minus the depreciation.

Depreciation is applicable to each part of the car, except that made of glass. In order to protect your vehicle from depreciation, you can opt for the zero depreciation add-on cover, also referred to as the nil depreciation cover. This add-on cover can be purchased from the insurance company by paying an additional premium. It can be added to the comprehensive motor insurance policy to amplify its coverage.

If the insured vehicle suffers a partial loss, and it was found that the damaged parts can be replaced at a workshop, the nil depreciation cover provides you the complete amount incurred for the replacement of parts. This add-on cover is not valid for total loss of the car. For luxury cars the cost of car parts would be very high; hence it is advisable to protect such vehicles with this insurance.

It is important to be aware of the depreciation element of your car as it would help you understand the impact it has on your car insurance. You can then avail solutions that offset the effects of depreciation and save considerably.

The rate of depreciation on car parts is as follows:

  • If there was a paint job done on your car, a depreciation rate of 50% will be applied to the cost of painting material. The insurer reimburses only the remaining amount. If the garage charges a consolidated amount for the painting work, then the cost of paint and related materials is considered to be 25% of the total cost for the calculation of depreciation.
  • For all rubber, plastic, and nylon parts, including batteries, air bags, tyres, and tubes the depreciation is at 50%.
  • For fibreglass parts, depreciation of 30% is considered.
  • For all parts made of glass, the depreciation is nil.
  • The depreciation rate for all other parts, including wooden parts, are as mentioned in the table below:
Age of the car Percentage depreciation
Not more than 6 months nil
Between 6 months and 1 year 5%
Between 1 year and 2 years 10%
Between 2 years and 3 years 15%
Between 3 years and 4 years 25%
Between 4 years and 5 years 35%
Between 5 years and 10 years 40%
More than 10 years 50%

Let us consider an example in which a car part made of fibreglass was replaced. The total cost of the repair work was Rs.10,000. As per the depreciation rules, the insurance company would pay you only 70% of this amount, i.e., Rs.7,000. This implies that you will have to pay Rs.3,000 for the repair work.

Consider that there was a paint job done on the car that costs Rs.15,000. If the cost of painting materials was Rs.4,000, the insurance company will pay only 50% of the cost of these materials, i.e., Rs.2,000. This indicates that you will have to pay the remaining amount of Rs.2,000 for the cost of painting materials.

Buy National Car Insurance Online

It is possible to buy a National Insurance motor insurance policy from the insurer’s website. This way, you can avail attractive premium discounts, in addition to the No Claim Bonus (NCB) that you receive for observing claim-free years.

  • In order to buy a National car insurance policy, visit the official website of National Insurance Company Limited and click on the link that takes you to the motor insurance policy page. Click on ‘Buy Policy’ to initiate the process.
  • You will be taken to the National car insurance premium calculator tool that provides you an approximate value of the premium you will be required to pay for the insurance. For this, you are required to fill out an online form accurately.
  • The form includes the following details:
    • Name of the individual who holds the Registration Certificate (RC) of the vehicle.
    • Whether you are buying a new policy or renewing an existing one.
    • Your state and district of residence. The pincode in your address and the nearest insurer’s office also needs to be selected from a drop-down list.
    • Your vehicle details such as:
      • State of registration of the vehicle
      • Vehicle class, type, body type, variant, and model
      • Name of the manufacturer and year of manufacture of the vehicle
      • The engine capacity of the car and its registered carrying capacity
      • The location of registration of the car and the date of registration
      • Nominee details, such as name, age, and relationship to the policyholder
      • In case the nominee is a minor, the name of the appointee and his/her relationship with the insured is also required.
    • Details about the value of the vehicle is required to be filled in. This includes:
      • The valuation basis and the IDV of the vehicle
      • Limit for third-party property damage
    • You should also specify whether you are seeking insurance coverage for the accessories. In case you need additional insurance cover, you can choose the appropriate riders from a list.
    • You will receive a premium quote from the insurer based on the information provided. If you agree to the premium amount, you can confirm the policy details and proceed to make the payment.

You should note that providing incorrect information in the proposal form may jeopardise the validity of the coverage. Currently, National Insurance Company offers motor insurance policy to private vehicles that have Insured Declared Value less than Rs.25 lakh.

How to Purchase National Car Insurance Policy Offline

In case you are unable to access the insurance company’s website to buy motor insurance, you can approach the nearest office of the insurer either directly or through an authorised agent.

  • Here, you should get the pre-printed insurance proposal form and fill it accurately.
  • Then submit the form to the office. You can do this directly or through an authorised agent of the insurer. You should note that you can get in touch with an authorised agent by contacting the insurer’s office through telephone or via email.
  • If the insurer deems it necessary to conduct a survey, a surveyor will be appointed by the office for the same. The surveyor will estimate the amount of risk involved in insuring the vehicle and other such matters.
  • The premium estimates will then be provided to the proposer.
  • If the customer agrees to the premium quote, he/she can proceed with the payment. After this, the policy will be issued to the proposer either through registered post or directly (on special request).

National Car Insurance Policy Renewal

You can renew your National car insurance policy online at the official website of the insurance company. In order to renew your motor insurance, you should click on the menu option that pertains to policy renewal.

  • You will be required to provide your policy number and email ID.
  • You will receive a form that shows your current policy details and a premium quote for policy renewal. If you agree to the quote, you can make the payment for policy renewal.

This way, you can renew National car insurance policies that are due for renewal in the next 30 days. The website also enables you to renew car insurance from another insurance company in an effortless manner. In case you have any queries on the process, you can call the National car insurance customer care number for clarifications.

National Car Insurance Claim Process

In order to raise a claim with National Insurance, you can follow these steps:

  • After the loss has occurred, you should contact the police and file an FIR. It is mandatory to produce an FIR at the time of a claim for the following events:
    • Fire
    • Burglary
    • Theft
    • Damage to third-party
    • Accident

It is not necessary to file a claim when the loss has occurred due to natural calamities, such as earthquakes, floods, inundation, etc.

  • You should also intimate the insurance company of the loss immediately. This is crucial in ensuring that your claim is honoured.
  • Collect the claim form from the insurer and fill it up accurately.
  • You should then submit the claim form at the office of the insurance company, either directly or through an authorised agent. Along with the claim form, ensure that you submit all the relevant documents, including:
    • Doctors’ prescriptions
    • Police reports
    • Pathological test reports
    • Medical shop bills
    • Admission and discharge certificates
    • Receipts from doctors, surgeon, etc.
    • Any other document requested by the insurer
  • National Insurance may employ a surveyor to assess the damages incurred. They may also refer the case to a panel of doctors, if needed.
  • The claim settlement is done by the policy issuing office. The policyholder receives the payment as a lump sum amount.
  • In some rare cases, a provisional payment is offered by the insurance company to the policyholder. This happens when the final processing of the claim is still pending.
  • The insurance company recommends that you approach its branch office for filing claims and communicate directly, as opposed to using emails or calling the National car insurance customer care number for the same. This will ensure speedy claim settlement.

National Insurance Customer Care

The customer care number of National Insurance Company Limited is 1800 200 7710. You can dial this number to get clarifications for your queries or for resolution of issues. You can also fill up an online form at the website of the insurer and get a customer service representative to call you back. Alternatively, you can initiate a chat with the customer service department through the facility available on the website.

You can click on the ‘Our offices’ menu option and get a list of all the branch offices of the insurer. You can search for branches based on city, state, or office code. In order to raise grievances, you can click on the corresponding menu option at the website and get all information regarding the same. You can also lodge a feedback by selecting the ‘Feedback’ menu option.

FAQs for National Car Insurance

  1. What is the extent of damages covered for a self driven vehicle under the Comprehensive coverage car insurance plan?

    Under a National insurance comprehensive coverage plan, damages to own car caused by the the following are covered.

    • Damage caused due to Fire(external means), Explosion, Lightning & Self Ignition
    • Natural perils such as Floods, Earthquakes, Storms, Landslides and Rockslides
    • Theft, Housebreaking & Burglary
    • Riots, Strikes, Terrorism & other malicious acts
    • Transit by Road, Rail , Air, Inland Waterway, Lift
  2. I read some literature about “No Claim Bonus”. What is this and how does it work?

    No Claim Bonus is a monetary benefit passed to the insured for not making any claims during the previous policy period. It is a mandatory rebate given by the insurer to the insured during the time of policy renewal for “zero”claims during the antecedent policy term.

    The NCB starts at a minimum of 20% and can go up to 50% of the policy premium renewal value.

  3. What is the procedure for making changes to my existing car insurance policy from National insurance?

    It is paramount that you keep the insurer informed on changes with regard to communication address and phone numbers, modification in name, alterations made to the car etc. It is done by means of an Endorsement by the insurer.

    You can either call or visit one of the local offices of National insurance to gather more information regarding any modifications to the existing policy. Some of these changes may require support of relevant documents.

  4. I do not use my car very often. Is it necessary to get an insurance cover for it?

    The Indian Motor Vehicles Act mandates that all vehicles in the country are insured with at least a minimum insurance cover, i.e., the third-party liability insurance. Since it is the law, you are expected to abide by it. You can approach National Insurance Company Limited to buy a liability-only policy for your vehicle that provides adequate coverage for your needs at a nominal cost.

  5. What are the advantages of using the National car insurance premium calculator?

    The National car insurance premium calculator tool is a very useful proposition as it helps you in determining the amount you will have to set aside towards the premium on an annual basis. This is key in coming up with a realistic budget for your annual expenses.

    If you are using the National car insurance premium calculator tool on neutral financial websites such as BankBazaar, you can also compare motor insurance plans between providers. This is useful in identifying the most cost-effective plan for your needs.

  6. Does National Insurance Company offer car insurance for used cars?

    Yes, National Insurance Company offers car insurance for all private cars that have IDV less than Rs.25 lakh. You can get further details on this by contacting the insurer.

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

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

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National Car Insurance Reviews

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  • National Insurance Car Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    For the economical and low premium purpose, i have chosen the two wheeler insurance from National. I pay the premium amount of Rs. 7000 every year and they are giving the IDV value of Rs. 4 lakh. I used to renew the policy in the branch nearby located to my place. I have no claim experience till now.
    Was this review helpful? 1
    , kolkata
    Reviewed on Jan 30, 2020
  • National Insurance
    National Insurance Car Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    National Car Insurance is Government based policy and I'm using the Maruti car and they are giving a good service since they have a tie up. The price is very less when i compared with other company with the same IDV. I have a claim experience with them and it was satisfactory.
    Was this review helpful? 0
    , nellore
    Reviewed on Nov 07, 2019
  • National Insurance Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    In 2016, I had a car insurance with National Insurance, at the time I done a claim because my car front bumper got damaged, hence I got the cashless garage option then within 2 to 3 days I got my car back with proper condition, it was also good insurance company.
    Was this review helpful? 0
    , panipat
    Reviewed on Sep 13, 2019
  • National Insurance Car Insurance
    "Extremely satisfied"
    0.5 5.0/5 "Blown Away!"
    My car is insured with National Insurance which am very happy. I have been sticking with this insurer for last 10 years and all my car's are insured here. I opted for third party insurance and the premium is affordable. The claim process was done properly and the services are great.
    Was this review helpful? 0
    , mumbai
    Reviewed on Sep 06, 2019
  • National Insurance Car Insurance
    "Good Plan"
    0.5 5.0/5 "Blown Away!"
    For my Swift car 2018 model I paid Rs.15,000 per annum its fully covered because its a bumper to bumper plan. Best part whenever I face any issue with the car, I can immediately park in the vehicle in the agency, very next day they give the car. They take care of all the formalities without approaching us. We don't want to worry about all such procedure.
    Was this review helpful? 1
    , noida
    Reviewed on Aug 30, 2019
  • National Insurance Car Insurance
    "Don't take public sector policy"
    0.5 2.0/5 "Expected more"
    I had a claim experience from National insurance which is a very bad experience. They have took long time to process the claim. They did not pass my claim and i have spoke with the customer care but they said that they are not helpful. The verification person came and he asked some bribe from my end.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jul 25, 2019
  • National Insurance Car Insurance
    "Average Insurance"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from National insurance without any reason. My claim experience is good and within 15 days i got my claim and they have covered upto 40%. Through online i used to renew the policy. Their customer service is not helpful.
    Was this review helpful? 1
    , pune
    Reviewed on Jul 22, 2019
  • 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 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
    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
    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
    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
    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
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