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

New India Assurance Car Insurance Claim

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Car Insurance
  • Get both third-party cover and comprehensive cover
  • Choose from a variety of zero depreciation and roadside assistance covers
  • 3100+ cashless garages

Overview

New India Assurance Car Insurance offers policies for all types of vehicles. You can avail of two types of cover: Liability only which covers third party damages or injuries, and Package policies which provides additional cover for your own vehicle. Enjoy benefits of no-claim discounts in the range of 20% to 50% when you renew your policy. You can also opt for add covers that extends your insurance to accessories, drivers, employees, and passengers in the vehicle.

How to Make a Car Insurance Claim?

The process for making a claim depends on the type of claim being made. You can make a claim under three categories.

  • Accidental damage to the vehicle
  • Theft of the vehicle
  • Liability claim

Claim in Case of Accidental damage to the vehicle

  • Inform the nearest New India Assurance office. You will receive a claim form.
  • Fill up the form and submit it.
  • You will need to provide the following documents:
    • Driving license of the person who was driving the vehicle at the time of the accident.
    • Registration Certificate
    • Estimate of repairs
  • The vehicle will then be surveyed by an authorised surveyor who has been appointed by New India Assurance.
  • The surveyor will submit his report to New India Assurance.
  • In case the vehicle has been damaged to the point it cannot be moved, a spot survey will be arranged where the surveyor will visit the site of the accident.
  • Cash memos and final bills will have to be signed and submitted.
  • Any salvaged parts of the vehicle that are damaged might have to be handed over to the insurance company after the claim is approved.

Claim in Case of Theft of the Vehicle

If your vehicle has been stolen, the process for claiming insurance will be different. As there is no vehicle to inspect for damages and recovery, the insurance company will have to investigate the situation and the incident.

  • You need to lodge an FIR as soon as possible with the police.
  • Inform New India Assurance about the theft.
  • You will be required to submit the following documents:
  • A copy of the FIR
  • Final Police Report as soon as it is issued
  • A surveyor will investigate the case.
  • After the claim is approved, you will be required to transfer the registration certificate to New India Assurance.
  • You will have to hand over the keys to the vehicle.
  • Finally, submit a letter of Subrogation and Indemnity on stamp paper duly notarized.

Claim in Case of Liability

In case you are liable to pay a third party in the event of damages or injury caused by your vehicle, you can follow this process.

  • Inform New India Assurance immediately of the incident.
  • Please note, you should inform the company if any incident occurs wherein a liability claim can be made.
  • When you receive a summons from court, you should send the same to the insurance company.
  • You will need to submit the following documents:
    • Claim Form
    • Copies of Registration Certificate
    • Driving License
    • FIR

New India Assurance Car Insurance Coverage

Your eligibility to make a claim will depend on the policy you have chosen, liability only or package policy. Before you make a claim for insurance, it is important to know if the damage or theft is covered in your policy. Policyholders can make a claim in the following cases.

Liability Only policies

  • Damage to third party property.
  • Death or bodily injury to a third party person.

Package Policy

  • Damage to third party property
  • Death or bodily injury to a third party person
  • Earthquake (Fire and Shock) Damage
  • Flood, Hurricane, Typhoon, Tempest, Storm, Cyclone, Inundation, and Hailstorm
  • Accidental external means
  • By landslide/Rockslide
  • Fire, self-ignition, explosion, or lightning
  • Strike and Riot
  • Burglary, housebreaking or theft
  • Terrorist Act
  • Malicious Act
  • Whilst in transit by road, lift, elevator, inland waterway or air

In addition to the above, the policy will also cover towing charges up to Rs. 1,500 for four wheeler vehicles.

Add on coverage

You can also opt for add ons by paying a higher premium.

Add on covers include:

  • Personal accident cover under private car policies for:
    • Passengers
    • Paid driver
  • Loss or damage to accessories fitted in the vehicle such as air-conditioners, fans, stereos, etc.
  • Legal liability to non-fare paying passengers in commercial vehicles.
  • Legal liability to employees.

Exclusions of the New India Assurance Car Insurance Claim Process

You cannot make a claim for insurance in the following cases. In the event that you do file for insurance, the company has the legal right to reject your claim.

  • Loss when driving with invalid driving license.
  • Loss when driving under the influence of alcohol.
  • Wear and tear
  • Mechanical and electrical breakdowns
  • Consequential loss
  • Claims arising out of contractual liability.
  • Loss due to war, civil war, etc.
  • Use of vehicle not complying with “limitations of use”. For example, using a private passenger car as a taxi.
  • Gross negligence on the part of the owner or driver can also be considered in case of theft or damages to the vehicle.

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

Claim Reviews

Page 1 of 10 1 2 3 4 5
  • New India Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    In 10 years of experience I didn't face any claim. I have wagon R, the premium cost was economical, I paid around Rs. 5000 for one year, they gave me the comprehensive 100% protection plan, they got tie up with the dealer and they do have ncb features.
    Was this review helpful? 2
    , mumbai
    Reviewed on Dec 03, 2018
  • New India Car Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy almost three years back and i had been paying the premiums online in annual basis. The payment method with them has been convenient and there has not been any hassles. The insurance covers bumper to bumper as well.
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 27, 2018
  • New India Car Insurance
    "Premium should be economic"
    0.5 3.0/5 "Satisfactory"
    I found premium is very high with low coverage value. I have Wagon R car, I took comprehensive plan with 100% of coverage and with third party liability. Its gives protection for loss, damage, theft etc. But I suggest to should reduce to the cost as per the market.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Nov 26, 2018
  • New India Car Insurance
    "Good policy"
    0.5 5.0/5 "Blown Away!"
    My Maruthi Swift car got the insured declared value of Rs. 5 lakhs with New India company. I have comprehensive plan with bumper to bumper it covers loss, damage, accidental cover with life cover for the driver for maximum of one lakh. If we pay Rs.50 rupees extra with the premium.
    Was this review helpful? 1
    , chennai
    Reviewed on Nov 12, 2018
  • New India Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have my car insurance with national insurance and i have taken this policy for 1 year. A premium of Rs 16000-17000 has to be paid for this insurance policy. I have not claimed anything so far from this insurance policy and this policy has full coverage with 0% depreciation,.
    Was this review helpful? 0
    , jodhpur
    Reviewed on Oct 31, 2018
  • New India Car Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    The experience with them so far had been good and i had been paying the premium annually. The premium amount of 5700 has been nominal and i had been paying the premium offline and it had been convenient. The policy covers bumper to bumper.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Oct 31, 2018
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken a car insurance policy with New India Assurance for 1 year, i am not aware of the premium amount for this insurance policy. This policy covers third party damage and i have not claimed anything so far from this insurance policy.
    Was this review helpful? 0
    , pune
    Reviewed on Oct 30, 2018
  • New India Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance policy with New India assurance from last 4 years, i am happy with the coverage value of this insurance policy. I have no claim experience so far with this insurance I pay a premium of Rs 10000 and they cover bumper to bumper damage.
    Was this review helpful? 1
    , kochi
    Reviewed on Oct 15, 2018
  • New India Car Insurance
    "Good Policy"
    0.5 3.5/5 "Pretty good"
    My car is insured with New India Assurance from last 3 years, i am happy with the coverage value of this insurance policy. A premium of Rs 6300 has to be paid for this insurance policy. This policy has a full coverage. I had a claim experience in the month of September where the bill amount was Rs 60000 out of which they covered Rs 40000.
    Was this review helpful? 1
    , bangalore
    Reviewed on Oct 11, 2018
  • New India Car Insurance
    "Best Policy"
    0.5 5.0/5 "Blown Away!"
    I have take car insurance from the New India assurance based on the befits and comfortable premium amount . They are giving Bumper to bumper coverage . They explained the policy benefits and claiming process . Overall am satisfied with my policy and service .
    Was this review helpful? 1
    , chennai
    Reviewed on Oct 02, 2018
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken car insurance policy with New India Assurance for 1 year, a premium of Rs 29000 has to be paid for this insurance policy. This policy covers full coverage and i am happy with the coverage value. Customer service was good as they explained about the insurance terms and conditions.
    Was this review helpful? 0
    , pune
    Reviewed on Sep 08, 2018
  • New India Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    MY car insurance is with NEw India Assurance from last 4 years and it is a good policy to use. I am not sure about the premium amount but they cover bumper to bumper damage. My claim experiecnce was good with this insurance policy. Customer service was good with this insurance and they responded on time.
    Was this review helpful? 1
    , chennai
    Reviewed on Sep 05, 2018
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My car is insured with New India Assurance from last 2 years and it is a good policy to use. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 3000 every year for this insurance and it has only basic coverage.
    Was this review helpful? 2
    , erode
    Reviewed on Aug 28, 2018
  • New India Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I was having a car insurance with New India Assurance for 1 year, i used to pay the premium of Rs 7000 for this insurance policy. I have not claimed anything so far from this insurance policy. The coverage value is good and they cover bumper to bumper damage.
    Was this review helpful? 2
    , jaipur
    Reviewed on Aug 27, 2018
  • New India Car Insurance
    "Good Service"
    0.5 4.5/5 "Excellent!"
    My car is insured with the New India Assurance. I am paying a premium of 10000, they also gave a very low IDV vale for my car and there hasn't been any claim experience with the policy. So far I haven't faced any issues with their services.
    Was this review helpful? 2
    , hyderabad
    Reviewed on Aug 04, 2018
  • New India Car Insurance
    "Good prodct, service needs some improvement"
    0.5 4.0/5 "Great!"
    With the New India assurance company, I have insured my car from the last five years of time, Customer service is an average one too. I would like to say that everything is an average one too with the New India assurance company.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 27, 2018
  • New India Car Insurance
    "Good Service"
    0.5 5.0/5 "Blown Away!"
    I've two cars and one of my car is insured with the New India Assurance. It has got No additional features, I never had any claim experience with the policy. I never faced any issues with their services too. So far it has been a good experience with the policy and I'll have to wait and see how they respond to my claims in future.
    Was this review helpful? 2
    , new delhi
    Reviewed on Jun 20, 2018
  • New India Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    Got my Car insurance from new India assurance , i have chosen this policy mainly because of the budget .It has good policy coverage and benefits. Customer service and response is good regarding documentation . I came to know through on-line website about this policy .I pay annually through on-line banking.overall am satisfied with this insurance policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jun 19, 2018
  • New India Car Insurance
    "Okay "
    0.5 3.0/5 "Satisfactory"
    I have insured my four wheeler with New India Assurance company. Customer service is okay one with them. Response is also okay one with the New India Assurance company. Plan benefits are fine one with the New India Assurance company.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jun 12, 2018
  • New India Car Insurance
    "Good discount "
    0.5 5.0/5 "Blown Away!"
    Recently I took a insurance policy for my car .The service provided by the company is good and the discount which we can avail is high which is a great initiative and helpful for the customers .I recommend to take policy with new India .thank you
    Was this review helpful? 1
    , visakhapatnam
    Reviewed on Jun 09, 2018
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