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National Comprehensive Car Insurance
A National comprehensive car insurance plan by National General Insurance Company provides policyholders with many benefits. It assures the customer of complete coverage against own damages and third-party liabilities are also covered. Damages arising out of accidents, theft, fire, etc, are included in policy coverage.
Benefits of National Comprehensive Car Insurance
Several benefits are already covered under a comprehensive car insurance plan. You can avail of more services by purchasing add-ons. They further improve the benefits of your insurance plan. The benefits are listed below:
- Excellent Protection: The insurance company assures the insured vehicle and the policyholder to provide complete protection. The company is responsible for compensating for all the financial needs of the policyholder in a time of crisis.
- Third-party Coverage: All the third-party liabilities and any damage to the property are entertained under a comprehensive car insurance plan. When the policyholder is at fault during the mishap, he/she need not worry about the expenses.
- Own Damage: If any damage occurs to the insured vehicle by natural or artificial calamities, thefts, or any accident, the repair cost will be covered under the insurance.
- Single Premium: The third-party liabilities and personal damage are covered under the same premium, making the process easy and quick. There are no complications, and the plan works smoothly.
- Add-ons and No-claim Bonus: Different add-ons can be purchased along with the comprehensive car insurance policy to enhance the insurance benefits. The policyholder also receives a no-claim bonus for all the claim-free years.
Coverage Under National Comprehensive Car Insurance
- Damages to third-party property, along with third-party death and disability
- Accidental damages to the insured four-wheeler due to collision or road accident
- Damages sustained by the insured car due to earthquakes, typhoons or other natural calamities.
- Manmade acts like strikes and riots causing damages to the insured vehicle
- Total or partial loss due to theft or fire is also covered.
- Damages to the insured vehicle when being driven without a driving license
- Accidental damages to the insured car when the driver was drunk driving
- Claims arising out of the use of a personal car for commercial purposes are not entertained
- Damages to the insured car when driven outside the specified geographical location
- Contractual liabilities of the owner/driver of the insured vehicle
How to Purchase a National Comprehensive Car Insurance Policy?
Follow these steps to buy or renew car insurance online from Policybazaar.com:
- From the homepage, select “Car Insurance” tab
- On the given form, enter your car number or select the “Brand New Car” option
- If its car insurance renewal, all your car details will be auto-fetched
- If it's a brand-new car, you will be required to select RTO, car make, model, variant, fuel type and registration year
- Now select the National comprehensive car plan from the list
- Select add-ons that you wish to include in your plan
- Pay the final premium amount via UPI, net banking or bank cards
- As soon as you make the payment, your comprehensive car insurance plan will be instantly mailed to you.
Add-ons Under National Comprehensive Car Insurance
The following add-ons can be purchased along with a National comprehensive car insurance policy:
- NCB Protect Cover
- Personal Baggage Cover
- Roadside Assistance Cover
- Engine Breakdown Cover
- Tyre Protect Cover
Documents Required to Raise a National Comprehensive Car Insurance Claim
To successfully raise a comprehensive insurance claim with National car insurance, you are required to keep the following documents handy:
- Duly filled and signed claim form.
- Car’s registration certificate
- Copy of driver’s driving license
- Repair Bills and estimates of repair
- Copy of Police FIR (for theft and third-party claims)
- Car insurance policy copy
National Comprehensive Car Insurance Policy FAQs:
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Q1. What are the add-ons offered with a National comprehensive car insurance policy??
Ans: The add-ons to your policy can enhance the benefits you eradicate from car insurance. These add-ons include:
- Roadside assistance
- Zero depreciation cover
- NCB cover
- Bi-fuel kit etc.
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Q2. What is NCB?
Ans: A no-claim bonus is offered on the own car damage in the plan. The NCB is awarded to the policyholder in case of a claim-free year. The NCB is 20% for the first year. It increases to 50% in 5 year.
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Q3. How can I reduce the premium on my comprehensive car insurance plan?
Ans: Some ways to reduce the car insurance premium are as follows:
- Drive sensibly to earn no claim bonus
- Drop unnecessary add-ons
- Renew the policy before the expiry date
- Try to raise no claim for minor damages, as it can lead you to have no claim bonus
- Try to avail of the discounts
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Q4. How is car insurance premium calculated?
Ans: The car insurance premium includes the cost of the own damage premium, third-party liabilities, and the cost of add-ons. The NCB and add-ons can prove to be beneficial in reducing the premiums.
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Q5. Is comprehensive car insurance mandatory?
Ans: No, you can drive without comprehensive car insurance. Third-party insurance is a legally necessary document, whereas comprehensive car insurance provides extensive coverage and can be more beneficial for you.
Car Comprehensive Insurers
Bajaj Allianz Comprehensive Car Insurance
Chola MS Comprehensive Car Insurance
Digit Comprehensive Car Insurance
Future Generali Comprehensive Car Insurance
HDFC Ergo Comprehensive Car Insurance
ICICI Lombard Comprehensive Car Insurance
IFFCO Tokio Comprehensive Car Insurance
Liberty Comprehensive Car Insurance
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Car insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.