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

     4.5 / 5.0   by 170 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 9 1 2 3 4 5
    • 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? 1
      , 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? 0
      , 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? 0
      , 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
    • National Insurance Car Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      My car is insured with National Insurance, I pay a premium of 13000 Per year, starting 20000. The IDV value is good. It also offered Bumper to bumper to coverage. I am happy with the services so far. Premium payment date should be intimated through Emails and text messages.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jun 25, 2018
    • National Insurance Car Insurance
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      I've bee using the National Insurance Car insurance policy for a while now. My Swift is insured with the National Insurance., I am paying 12000 per year and never had any claim experience with the policy. The policy also offers bumper to bumper coverage. So far it has been a good experience with them and no troubles yet.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 20, 2018
    • National Insurance Car Insurance
      "Best"
      0.5 4.0/5 "Great!"
      I have insured my car with the National Insurance company. I would like to say that the customer service is good one with them and the premium value is also good too. Coverage value is nominal one for me with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 08, 2018
    • National Insurance Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance from NATIONAL INSURANCE. The policy premium was nearly 25000. The customer service with the policy was good. They provides the benefits includes cashless garage, road assistance, bumber to bumber. Till now there is no claim experience.
      Was this review helpful? 0
      , aligarh
      Reviewed on May 31, 2018
    • National Insurance Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      National Insurance is my car insurance provider. I never had any claim experience with the policy. I'll have to wait and see how they respond to my claim requests in the future. Overall it is a useful policy to have.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 30, 2018
    • National Insurance Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance from NATIONAL INSURANCE and the premium was 11000. The policy benefits include bumber to bumber, cashless garage and third party coverage, road assistance. Not much familiar with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 29, 2018
    • National Insurance Car Insurance
      "NATIONAL INSURANCE policy"
      0.5 3.0/5 "Satisfactory"
      From NATIONAL INSURANCE i have taken a car insurance They provide accidental coverage and third party coverage and also for theft and for damage.. I have to renew the policy every year.No claim for the car.
      Was this review helpful? 0
      , chandigarh
      Reviewed on May 29, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my car insured with National Insurance from almost 1 year, i pay a premium of Rs 18000 for this insurance which has to be paid every year. I am happy with the coverage value of this insurance policy and i do not have claim experience so far with this insurance.
      Was this review helpful? 0
      , lucknow
      Reviewed on May 23, 2018
    • National Insurance Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a car insurance with National Insurance from last 2 years, i am happy with the coverage value of this insurance policy as they cover bumper to bumper damages. A premium of Rs 14000 has to be paid for this insurance and there was no claim experience so far.
      Was this review helpful? 0
      , noida
      Reviewed on May 17, 2018
    • National Insurance Car Insurance
      "Car insurance from National Insurance"
      0.5 3.0/5 "Satisfactory"
      From NATIONAL INSURANCE i have taken a car insurance policy were the policy benefits include, accidental coverage and third party coverage.Other benefits with them , i am not sure.There is no claim experience with the insurance policy.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on May 17, 2018
    • National Insurance Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I hold a car insurance with National Insurance from last 9 months and it is a good policy to use. I pay a premium of Rs 5000-6000 for this insurance every year. I have not claimed anything so far from this insurance and they cover bumper to bumper damages.
      Was this review helpful? 0
      , indore
      Reviewed on May 16, 2018
    • National Insurance Car Insurance
      "need to improve on claim process"
      0.5 3.0/5 "Satisfactory"
      I hold a car insurance with National insurance from last 3.5 years, i am not happy with the renewal process as it is very slow. I pay a premium of Rs 3000 for this insurance policy. I do not have claim experience with this insurance. The website is very slow but i will recommend this policy only because the claim rate is very good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • National Insurance Car Insurance
      "Car insurance with NATIONAL INSURANCE"
      0.5 3.0/5 "Satisfactory"
      I have taken the car insurance from NATIONAL INSURANCE. The premium is 14000 for an year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. No claim experience till now.
      Was this review helpful? 0
      , srinagar
      Reviewed on May 13, 2018
    • National Insurance Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken the car insurance from NATIONAL INSURANCE.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. No claim experience till now.
      Was this review helpful? 0
      , faridabad
      Reviewed on May 13, 2018
    • National Insurance Car Insurance
      "Good policy from National Insurance"
      0.5 4.0/5 "Great!"
      I bought a car two years before that time I got a policy National car insurance. I don't have any claim experience so far. I used to pay Rs. 9000 once in a year. I don't remember about the policy coverage. I would say that I made a wise decision to go with this National Car Insurance because they offer wide range of features based on the price.
      Was this review helpful? 0
      , chennai
      Reviewed on May 11, 2018
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