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

New India Motor Insurance

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Policy Coverage

Customer Service

Claim Experience

Responsiveness

Cashless Garages

Headquartered in Mumbai, New India Assurance is currently the largest general insurance company in India, based on the gross premium collections. Founded in 1919 by Sir Dorabji Tata, New India Assurance currently has more than 2,300 offices and 578 branches spread across the country. New India Assurance deals with a range of insurance products - ranging from health insurance, motor insurance, travel insurance, etc.

Why Should You Buy Motor Insurance From New India Assurance

Some of the advantages of buying a motor insurance from New India Assurance are listed below:

  • In just a few clicks, customers can purchase a motor insurance policy of their choice - four-wheeler insurance, two-wheeler insurance or a commercial vehicle insurance policy.
  • Customer claim request and settlement facilities.
  • Customers subscribed to the New India Assurance car insurance can choose from a number of cashless garages to get their car serviced.
  • Customers can track their claim status online.
  • Customers can transfer their no-claim bonus from any insurance provider.
  • For any query, grievance redressal or complaint regarding the claim, customers can contact the customer care service.

Types Of Motor Insurance From New India Assurance

New India Assurance offers the below listed insurance policies for motor vehicles.

  • Four-wheeler insurance - New India Assurance has two types of four-wheeler insurance policies - Liability only insurance and Motor Package insurance. The Motor Package insurance is a comprehensive insurance policy which protects (offers coverage) the customer’s car from theft, natural calamities, man-made disasters, riots, strikes, etc. The policy also offers protection from legal liability to a third party in an accident and personal accident coverage for the owner of the vehicle. The Liability only insurance is a third-party liability policy which offers coverage only for the third-party involved in the accident.
  • Two-wheeler insurance - New India Assurance offers two types of policies for two-wheelers - Liability only insurance and Motor Package insurance. The Motor Package insurance is a comprehensive insurance and includes own-damage cover and third-party liability insurance. In case you require additional protection, you can opt for various add-ons. Customers can also opt for the Liability only insurance, which is a minimal third-party liability policy.
  • Commercial vehicle insurance - Specifically designed for commercial vehicles, such as buses, trucks, taxis, etc, the Motor Package Insurance includes third-party liability, personal accident cover and coverage for the vehicle damage. With the help of this insurance, the commercial vehicle is protected from theft, fire, explosion, riots, earthquakes, floods, accidents, malicious activities, etc. Customers can also avail direct claim settlement facility at the listed New India Assurance network garages across India. To enhance one’s protection, commercial vehicle owners can also purchase the add-on covers. In addition, New India Assurance also offers a Liability only insurance policy.

New India Assurance Liability Only Policy - Inclusions

Customers can also choose to buy a minimal level of motor insurance for his/her car, as mandated by the Motor Vehicles Act, 1988. This insurance scheme protects the policyholder from liability claims raised by a third party after an accident, which includes third-party injuries, disabilities, or death and coverage for third-party property damage. That said, the third-party risk policy offers no coverage for the vehicle or personal damage met to the insurance holder and it is advisable to hold a comprehensive motor policy instead to negate this factor.

New India Assurance Comprehensive Motor Insurance Policy - Inclusions

New India Assurance offers a comprehensive policy for private vehicles (four-wheelers and two-wheelers) and commercial vehicles.

New India Assurance Two-Wheeler Motor Package Policy- Inclusions:

  • Coverage for the damage of the vehicle following an accident.
  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Personal accident cover for the insurance holder - including injury and death.
  • Loss of damage to the vehicle caused by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.
  • Customers can also choose an extra cover to cover damages met to consumable parts (electrical and non-electrical), and personal accident cover to a passenger other that the driver.

New India Assurance Four-Wheeler Motor Package Policy - Inclusions:

  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Personal accident cover - in case of injury, loss of limbs, loss of eyesight, etc., following an accident.
  • Coverage for damages met by the vehicle following an accident.
  • Claim for damages caused either by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.
  • The New India Assurance Motor Package Policy also offers extra coverage to cover damages met to electrical and non-electrical parts.

New India Assurance Commercial Vehicle Motor Package Policy - Inclusions:

  • Personal accident cover - in case of injury, loss of limbs, loss of eyesight, etc., following an accident.
  • Protection for vehicles of different sizes and types.
  • Third-party liability coverage - including injury, death and coverage for the property of the third-party.
  • Coverage for damages met by the vehicle following an accident.
  • Reimbursement claim for damages caused either by fire, lightning, natural calamities (earthquakes, floods, cyclones, etc.), riots, strikes, theft, terrorism,etc.

New India Assurance Comprehensive Motor Insurance Policy - Exclusions

If injury, death, damage to the vehicle are met following an accident under the below listed circumstances, the insurer will not be able to avail any insurance coverage.

  • Driving under the influence of liquor/drugs.
  • Negligence leading to accidental losses.
  • Losses incurred while the vehicle was being driven by someone who is not named in the policy or isn’t the owner of the vehicle.
  • Driving without a valid license.
  • Using the vehicle beyond its limits.
  • Depreciation, wear and tear, etc.
  • Consequential losses to the vehicle.
  • Electrical or mechanical breakdown.
  • Losses from nuclear war, radiation/weapons.
  • Losses from war and other such related events.

New India Assurance Motor Insurance FAQs:

1. Does the motor insurance policies offered by New India Assurance have any add-on covers?

Yes, some of the add-on cover are:

  • Depreciation cover
  • Consumable cover
  • GAP value cover
  • Passenger assist cover

2. What documents should I submit when making a claim?

You should submit the following documents:

  • Copy of claim intimation
  • Copy of policy and premium receipt
  • Duly-filled Claim Form
  • Driving License
  • Registration Certificate of Vehicle
  • Estimate of repairs from repairer and stamped receipt
  • Bills and Cash Memo of repairs
  • Verification of road tax,
  • Police Panchanama/FIR,
  • Permit and Fitness Certificate

3. Is it possible to purchase a car insurance policy which has a tenure of a couple of years?

No, that is not available as of now. That said, you can get a multi-year insurance policy for two-wheelers.

4. Is my no-claim bonus transferable?

Yes, you can transfer your no-claim from your previous insurer.

5. How can I purchase a motor insurance policy from New India Assurance?

You can visit the website of New India Assurance, choose your policy (two-wheeler, four-wheeler, commercial vehicle policy) and make the payment for it. The payment can be made either by debit cards, credit cards, cheque, or net banking.

New India Assurance Motor Insurance Reviews

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  • HDFC Ergo Car Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    Even my car was insured with HDFC Ergo. It is a second-end car and have chosen the third party insurance. I have not done any claim so far. The premium is reasonable. It offers bumper to bumper facility and road side assistance. The policy period is 2 years.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 1
    , tirupur
    Reviewed on Jan 10, 2019
  • Tata AIG Car Insurance
    "Good Insurer"
    0.5 5.0/5 "Blown Away!"
    My financier suggested the Tata Aig general insurance, the premium is economical for the car policy. I have honda amaze car it got insured with them. The insurance company is providing 24 hours service, cash less garages, brake down service for the tenure of four years. On time I got the papers from the Tata Aig.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 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
  • ICICI Lombard Car Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    My car was insured with ICICI Lombard. Last year i have purchased this insurance policy. My wife has referred me about this policy. I pay the premium amount of Rs. 13500. They have given me a convenient IDV value. I had no claim experience so far.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 3.0/5 "Satisfactory"
    I'm not satisfied with the service provided by new India. I have bought the car insurance policy. They closed their branch on every weekends hence its difficult to renew the policy. I have been paying the premium amount of Rs. 14000 which is a competitive price. They have given the IDV value of Rs. 1.50 lakhs.
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • New India Car Insurance
    "Average Car Insurance"
    0.5 3.0/5 "Satisfactory"
    My car insured with the New India Insurance company. I have been renewing the policy with the same company for 3 years. I have paid the premium amount of Rs. 7000 and they have offered me a satisfied coverage value. The documentation process was fine
    Was this review helpful? 0
    , mangalore
    Reviewed on Jan 09, 2019
  • review Car Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    Last year I had car policy with Bharthi axa whenever I try to renew it ask my poliy no, whenever I mention the same, it shows the its incorrect. If I try to reach the customer care its not reachable. I done the claim, some minor damage back side of the car, they have processing fee 1500. Remaining all taken care by the insurer.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Great Policy"
    0.5 4.0/5 "Great!"
    ICICI Lombard has a good brand value hence i have selected the car insurance policy with this card and the dealer has also recommended about this policy. I pay the premium amount of Rs. 9000 and this is a 100% coverage with bumper to bumper facility. I'm not sure about the IDV value. Its easy to renew the policy.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jan 08, 2019
  • ICICI Lombard Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    Previously my car was insured was with ICICI Lombard and it was offered by the showroom. I got a call from the representative for the policy renewal as reminder. I got the insurance paper. I have not done done a claim. It is a comprehensive with zero dep. The premium was high so changed my insurer.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 08, 2019
  • Future Generali Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from Future Generali through online portal. The premium was reasonable and also they have provide bumper to bumper facility. The policy period is one year. There is no interaction between the customer service. I just gave my car for the claim so no experience.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 08, 2019
  • Oriental Insurance Car Insurance
    "Good insurance company"
    0.5 2.0/5 "Expected more"
    Dealer has referred me about this oriental car insurance when i purchase the vehicle. They have rejected the claim since the copy of FIT is not available. They have given me a coverage value upto Rs. 6 lakhs. For the past 3 years i have been renewed the policy with the same company.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Iffco Tokio Car Insurance
    "Good Policy and you can try"
    0.5 4.0/5 "Great!"
    Two months before, i have taken my car insurance policy with Iffco Tokio. Its a PAN India agreement policy for my Maruti Car. I don't remember about the coverage value. This is a zero depreciation policy. I paid the premium amount of Rs. 6500. I have not seen any add on and cashless garage facility.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
  • HDFC Ergo Car Insurance
    "Good service provider"
    0.5 4.5/5 "Excellent!"
    The reason to avail HDFC Ergo policy, my banker have suggest this insurer for my car. They gave me the best insured value around Rs. 6 lakhs based on the vehicle age. I have Hyundai I20 car, they are providing 24/7 helpline and cashless service.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 04, 2019
  • ICICI Lombard Car Insurance
    "Good Policy to take"
    0.5 3.0/5 "Satisfactory"
    My car was insured with ICICI Lombard. I pay the premium amount of Rs. 22000 and i have been renewing the policy continuously for 2 years. They have provided me a no claim bonus. Its covered with bumper to bumper facility. My dealer has recommended me about this policy when i purchase a car.
    Was this review helpful? 1
    , chennai
    Reviewed on Jan 03, 2019
  • Iffco Tokio Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a car insurance with IFFCO TOKYO from last 1 year, there was no claim experience so far with this insurance policy. I pay a premium of Rs 5500 for this car insurance. This is a first party insurance with 0% depreciation and the coverage value is good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 03, 2019
  • Bajaj Allianz Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a car insurance policy with Bajaj allianz from last 2 years, a premium of Rs 13000 has to be paid for this insurance policy. There was no claim experience so far with this car insurance. This policy has full coverage with 0% depreciation.
    Was this review helpful? 0
    , secunderabad
    Reviewed on Jan 03, 2019
  • Tata AIG Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I am having a car insurance with TATA AIG from last 1 year, a premium of Rs 7272 has to be paid for this car insurance policy. I did not claim anything so far from this insurance policy. I am happy with the plan benefits and policy coverage of this insurance.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 03, 2019
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