• National Motor Insurance

     4.5 / 5.0   by 149 users
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    Policy Coverage

    Customer Service

    Claim Experience

    Cashless Garages

    National Insurance Company Ltd. is the oldest general insurance company in the country. It was also the first insurer to get into partnerships with the largest automobile manufacturer in India, Maruti, and prominent two-wheeler company Hero MotoCorp. National Insurance is the pioneer in introducing bancassurance in the country through tie-ups with leading banks.

    The insurance company has a strong market presence and offers innovative insurance solutions to urban and rural customers throughout India.

    Why Should You Buy Motor Insurance From National Insurance?

    The reasons for taking motor insurance National Insurance are many. These include:

    • The insurer provides two-wheeler insurance policies with coverage terms of 1 2, and 3 years.
    • The insurer uses a highly secure payment system that ensures your confidential information is not compromised.
    • The insurer offers discounts on premium in the form of No Claim Bonus (NCB). The customer can also opt for higher voluntary excesses to bring down the motor insurance premium.
    • Discounts are offered for insuring vehicles installed with approved anti-theft devices.
    • Customers can also get discounts on the insurance premium for specially designed vehicles used by handicapped, blind, or mentally challenged individuals.
    • The coverage under the motor insurance policy from National Insurance can be improved by opting for appropriate add-on covers based on the needs of the customer.

    Types Of Motor Insurance From National Insurance

    National Insurance provides motor insurance policies for private cars and two-wheelers.

    • Private car insurance policy - This insurance plan protects the insured car against damages due to natural calamities, man-made disasters, accidents, fire, etc. The policyholder also receives personal accident cover that protects him/her from permanent disabilities/death in an accident. Additionally, the coverage under the plan includes third-party liability.
    • Two-wheeler insurance policy - This insurance policy is specifically designed for two-wheelers. It protects the insured vehicle from theft, man-made disasters, natural calamities, in-transit damage, etc. The owner-driver is also offered personal accident cover. Additionally, the insurer offers third-party liability coverage under this plan.

    National Insurance Liability Only Insurance Policy - Inclusions

    A customer can choose to buy a limited coverage insurance plan for his/her vehicle from National Insurance. This basic policy is also referred to as liability only plan and is the minimum level of insurance that every vehicle should have according to the law. If you drive a vehicle without a minimum of liability only insurance cover, you can be penalised heavily.

    The coverage under this plan includes the following:

    • Legal liability for injuries or death faced by a third party in an accident.
    • Third-party property damage (TPPD) cover of up to Rs.7.5 lakh.

    This insurance plan does not protect the insured vehicle itself or the owner-driver.

    National Insurance Package Policy - Inclusions

    A package policy from National Insurance offers more extensive coverage to the policyholder. The vehicle/policyholder is protected from the following events:

    • All damages caused to the vehicle in an accident
    • Losses incurred while in-transit via rail, road, inland waterway, lift, or air
    • Explosion, fire, lightning, or self-ignition
    • Theft, burglary, or housebreaking
    • Riots, terrorist acts, strikes, or malicious activities
    • Natural disasters such as storms, flood, landslides, rockslides, or earthquakes
    • Liability to a third-party following accidental injuries, death, or property damage

    The motor insurance policy also offers personal accident cover to the owner-driver.

    National Motor Insurance - Exclusions

    The National Insurance motor insurance plan does not include coverage for the following incidents:

    • Wear and tear of the insured vehicle
    • Consequential losses
    • Mechanical or electrical breakdown
    • Damages to the tyres unless the insured vehicle is also damaged (In case the tyre damage is accompanied by damage to the vehicle, the insurer pays 50% of the cost of replacement of tyres)
    • Driving after the consumption of liquor or drugs

    National Motor Insurance FAQs:

    1. How do I take a policy from National Insurance?
    2. You should contact the nearest office of the insurance company, either directly or with the assistance of an authorised agent. You can get in touch with an agent by contacting the office through their telephone number or email ID. Then you should fill up a proposal form and submit it to the office. The insurer will conduct a survey of your vehicle.

      The insurance company will then provide you premium estimates. The policy will be issued after the premium payment. You will receive the policy documentation through registered post. You can also request for it to be delivered directly.

    3. Can I buy National Insurance motor insurance online?
    4. Yes, the company offers the facility of purchasing motor insurance online through niconline.in website. Premium payments can be made effortlessly through credit/debit cards or through net banking.

    5. Is it possible to renew the insurance policy of another company through niconline.in?
    6. Yes, this is possible. You will have to visit the website and furnish details of your expiring policy. While renewing insurance online, you will receive the complete benefits of your accrued No Claim Bonus.

    7. Do I get any discounts for buying motor insurance online?
    8. Yes, National Insurance offers attractive discounts to customers who choose to purchase private car insurance or two-wheeler insurance policies online.

    9. How do I lodge a claim with National Insurance?
    10. You have to follow these steps to lodge a motor insurance claim with National Insurance:

      • After the loss has occurred, you should immediately file an FIR at the nearest police station.
      • Then you should intimate the insurer’s office from where the policy was issued.
      • Fill up the claim form and submit it to the insurance company. You can do this either directly or through an authorised agent.
      • You should also submit police reports, medical bills, cash memos for medicines, admission and discharge certificates from the hospital, etc. as required on a case-by-case basis.
      • The insurer may appoint a surveyor to assess the loss. The case may also be referred to a panel of doctors for further investigation.
      • The claim settlement is done in the form of a lump sum payment.
      • In some cases, the insurer may offer provisional payment to the policyholder if the final claim processing is delayed. However, this depends on the merits of the case.

    National Motor Insurance Reviews

  • Page 1 of 8 1 2 3 4 5
    • National Insurance Car Insurance
      "Good policy for car"
      0.5 3.0/5 "Satisfactory"
      I have taken a car insurance from National insurance and the premium amount is 9000. There was no bumber to bumber included with this policy as it was an old car. They include accidental insurance, and third party coverage. I have to renew the policy every year.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2018
    • National Insurance Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance with National insurance from last 10 years, i have a very good coverage value for this car insurance. I do not have any claim experience so far with this car insurance. A premium of Rs 2500-3000 has to be paid for this car insurance.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 17, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with national insurance from last 1 year, I am happy with the coverage value because they cover bumper to bumper as well as third party damages. I have no claim experience so far with this insurance and i pay a premium of Rs 17000 for this insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 11, 2018
    • National Insurance Car Insurance
      "Average Policy"
      0.5 2.5/5 "Just OK"
      I hold a car insurance with National insurance from last 1 year and it is a average insurance policy. I am not happy with the coverage of this insurance as they cover only third party damages. I pay a premium of Rs 16000 for this car insurance and there is no claim experience so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 09, 2018
    • National Insurance Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      National car Insurance service is good. The payments are through online. The process has been done through dealer. The documents process was been smooth with National car Insurance service. It was an good experience with National car Insurance service for my Maruthi car.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 23, 2018
    • National Insurance Car Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I hold a car insurance with National insurance from last 2 years and it is a good policy to use. This policy has to be renewed every year and i pay a premium of Rs 5000 for this insurance. I do not have claim experience so far with this insurance. Only third party damages are covered in this car insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 22, 2018
    • National Insurance Car Insurance
      "Best insurance"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with National Insurance from last 1 year and it is a good insurance policy. This policy has to be renewed every year and i pay a premium of Rs 7000-8000 for this insurance. I do not have any claim experience so far and they cover bumper to bumper damages.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 16, 2018
    • National Insurance Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I hold a car insurance with National insurance from last 2 years and it is a good insurance policy to use. This policy has to be renewed every year and i pay a premium of Rs 14000 for this insurance. I do not have claim experience with this insurance and they cover third party damages and bumper to bumper.
      Was this review helpful? 0
      , surat
      Reviewed on Mar 05, 2018
    • National Insurance Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a car insurance with National insurance. The service is good with National car insurance service. I purchased the service directly from the showroom. The payments will be cheques and cash. It is a good experience with National car insurance team for my Nexa car.
      Was this review helpful? 0
      , kanpur
      Reviewed on Mar 03, 2018
    • National Insurance Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken my car insurance with National Insurance and using the service for so many years. I never interacted with the customer service. There was no claim experience. I have compared the benefits are more over same like other insurance companies. I have paid around 4k per annum.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 28, 2018
    • National Insurance Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The car insurance policy is good to use with the NATIONAL INSURANCE company . I renew my insurance policy for the 5th time with the NATIONAL INSURANCE company. The customer support service is good with the NATIONAL INSURANCE , because they give intimations on time to renew the policy .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 27, 2018
    • National Insurance Car Insurance
      "Its Average"
      0.5 4.0/5 "Great!"
      National Insurance have not reached me to renew the policy, their customer service should be improved. I paid the premium around Rs.2500 for one year, I have insured Mercedes car its a second hand car. IDV value was good with third party cover and other features.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • National Insurance Car Insurance
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have directly taken a car insurance from National insurance on august month. The payments are generally through cheques but I feel they need to improve the response. There is no proper intimations regarding the payments. It is a fine experience with National car insurance service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • National Insurance Car Insurance
      "Its Best"
      0.5 4.0/5 "Great!"
      I took Car Insurance from National, the premium was economical compared to other competitor. IDV value Rs. 4.85 lakhs for my Maruthi car with third party cover, road side assistance. May thing I like in National Insurance, they are providing cashless service and the premium was standard.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • National Insurance Car Insurance
      "Best Policy to hold"
      0.5 4.0/5 "Great!"
      Car Insurance premium is good, they gave me policy cover based on the age of the vehicle. National Insurance sent me the policy copy on time. My spouse have been taking insurance from same company for long term because they give third party, road side assistance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2018
    • National Insurance Car Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have a Car insurance with National Insurance from last 4 years and it is one of the good insurance policy to use. I pay a premium of Rs 18000 for this car insurance and i do not have claim experience so far with this insurance. They cover bumper to bumper and even third party damages. Overall it is a good policy to use.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 02, 2018
    • National Insurance Car Insurance
      "Better"
      0.5 4.0/5 "Great!"
      I have insured my four wheeler with the National insurance company and am holding it from the last seven years of time. I would like to say that the customer service is good one for me with them and the coverage value is fine one for me with them.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Jan 20, 2018
    • National Insurance Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have Honda car and took the insurance with National Insurance for last 3 years. It was a nice experience. As of now, I didn't use any customer service. It is a zero value policy and the IDV is good. I used to pay yearly around 14,000 through net banking.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2018
    • National Insurance Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      When I purchased a new car that time the dealer has offered me a insurance with National Insurance. The customer service was good. I don't have any claim experience till now. I have taken a zero depth policy. This is the first time and I don't have much experience.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 19, 2018
    • National Insurance Car Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have purchased a new car and the insurance was suggested by the dealer. My car insurance taken from National Insurance. It was paid by the dealer with some discounts so am not sure about the premium value. This is the first time with National Insurance and I don't have much experience.
      Was this review helpful? 0
      , ambala
      Reviewed on Jan 17, 2018
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