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New India Assurance Car Insurance
  • 3000 Cashless garages

  • Plan starting @ ₹ 2094#

  • 95% Claim settlement ratio

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      New India Assurance Car Insurance

      Purchasing a New India Assurance car insurance policy is a good way of protecting your car from any unanticipated events like fire, theft, collision, etc. This car policy by New India Assurance Company also offers third-party coverage along with additional covers like PA Cover, NCB Protect and many more.

      Read more

      About New India Assurance Company

      The New India Assurance Co. Ltd is a wholly-owned subsidiary of the Indian Government, a multinational insurance contributor present in 25 countries, and a market leader in the general insurance sector in India, based in Mumbai.

      Strong domestic and international presence, a wide range of insurance plans, effective and advanced technology, and an integrated complaint management structure are some of the keys to the company’s success. Last but not least, The New India Assurance Co. Ltd is the only insurer considered a direct insurer in India.

      The insurance company ensures that all misfortune events are well covered under its car insurance plans.

      Key Features of New India Assurance Car Insurance

      Features Coverage and Benefits
      Third-Party Coverage Yes
      Claim Settlement Ratio 95%
      Personal Accident Insurance Up to Rs. 15 Lakh
      Network Garages 3,000
      No Claim Bonus Yes
      No. of Zero Dep Claims
      No. of Non-ZD Claims Unlimited

      Benefits of New India Assurance Car Insurance

      Here are some of the benefits of the New India Assurance car insurance policy:

      • New India Assurance has a large network of garages you can visit to repair your damaged car. They will pay the bill on your behalf, except for the deductibles.
      • To enhance your coverage, you can choose from the available add-ons by paying an extra premium per the cost.
      • The insurance company provides 24*7 assistance to the policyholder.
      • The New India Assurance car insurance claim settlement ratio is 95%

      Types of New India Assurance Car Insurance Policy

      New India Assurance car insurance offers three types of car insurance plans. They are as follows:

      1. Liability-Only Car Insurance

        A liability-only plan is a third-party car insurance policy that provides coverage to the policyholder for third-party liabilities only. Liability is covered for an unlimited amount with respect to death or injury and damage to third-party property for Rs 7.5 lakh.

      2. Comprehensive Car Insurance

        The package plan is a comprehensive car insurance policy that provides coverage for the car's own damages and third-party liabilities. Damages from accidents, calamities, fire, and theft are covered under this plan. With this plan, a policyholder can also purchase add-ons to enhance its coverage.

      3. Standalone Own Damage Policy

        A standalone OD policy for private cars can be purchased if you already have a third-party policy and want to extend coverage to your own car as well. This plan covers the insured vehicle against damages arising out of unforeseen incidents like theft, fire, road accidents, etc.

      New India Assurance Car Insurance Premium Calculator

      Before purchasing the New India Assurance car insurance policy, you have the option of calculating the premium amount using the online premium calculator to check if the car insurance plan fits your budget.

      Coverage Under New India Assurance Car Insurance

      • Theft: This plan covers the expenses arising from burglary, housebreaking or theft.
      • Fire: The New India insurance plan covers expenses incurred by fire, explosion, self-ignition, and lighting.
      • Malicious Act: The package plan covers even malicious acts such as strikes and riots as well.
      • Natural Calamities: Natural calamities like earthquakes, cyclones, tornadoes, and hurricanes are covered.
      • Accidental Damage: Accidental damages by external means such as a road accident.
      • Consequential Loss: The company does not provide coverage for any consequential loss.
      • Wear and Tear: Normal wear and tear of the car is not covered under the New India Assurance car insurance policy.
      • Invalid Driving Licence: If the driver of the car is found driving the car without a driving licence at the time of the accident
      • Drunk Driving: If the driver was under the influence of alcohol. 
      • Loss Due to Civil War: The insurer will not provide coverage for any loss or damage to the car caused by a civil war or war-like situation.
      • Usage Beyond Private Purposes: The insurer will not provide coverage if the car gets damaged while being used for commercial purposes.
      • Usage Beyond Specified Borders: If the car gets damaged beyond the area specified in the policy documents, the insurer will not provide coverage/.
      • Damage Due to Race: Any loss or damage caused to the car while participating in an organised race.

      New India Assurance Car Insurance: Add-Ons
      Zero Depreciation Cover

      Zero Dep add-on cover provides coverage against the depreciation amount of your car. 100% coverage

      for the metal and plastic parts but 50% coverage for tyres, tubes, and batteries.

      Read more
      No Claim Bonus Cover

      The percentage of NCB offered by the insured for not raising a claim during a policy year becomes nullified as soon as you raise a claim. This can be avoided by purchasing an NCB Cover.

      This add-on lets you retain your NCB even if you have raised a claim during a policy year. This way, you can keep receiving NCB benefits even after raising a claim.

      Read more
      Return to Invoice Cover

      With the return to invoice add-on, the policyholder can get the invoice price for the car after raising a claim, meaning the insurer pays the amount you paid when you purchased the vehicle. This add-on is applicable in case of total vehicle loss.

      However, the insurance company only offers this add-on for cars less than Rs. 20 lakh as the invoice price.

      Read more
      Engine and Gearbox Protection Cover

      Engine protection add-on cover provides coverage for the engine and gearbox in case of oil leakage as well as the ingress of water.

      However, the policyholder cannot purchase this add-on if the car is over 5 years old since it came out of the showroom.

      Read more
      Roadside Assistance Cover

      In case the insured car gets stuck on the road, the insurer provides coverage for the required roadside assistance and sends them to that location.

      This add-on offers assistance for low fuel, tyre bulge, minor repairs, battery jumpstart, etc.

      Read more
      Personal Belongings Add-on

      This add-on covers the loss or damage of personal belongings in case of theft or accident.

      However, coverage of up to Rs 20,000 is provided, plus 20% of the sum insured.

      Read more
      View more Add-ons

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
      Car Insurance
      Zero Depreciation Car Insurance
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      Compulsory Personal Accident Cover
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      Bumper to Bumper Insurance
      Car Insurance
      NCB Protector Add-On Cover
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      Bundled Policy
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      Return To Invoice Cover in Car Insurance
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      Multi-Year Car Insurance
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      Engine Protection Cover
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      Personal Possessions Cover
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      Voluntary Deductible in Car Insurance
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      Key Replacement Cover
      Car Insurance
      Daily Allowance Cover
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      Tyre Protector Cover
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      Rim Damage Cover
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      Car Accessories Cover

      How to Renew New India Assurance Car Insurance Online?

      New India car insurance policy has a validity of 1 to 3 years. It is important to renew the car insurance policy before the expiry date to keep getting the coverage benefits. Here are the steps to renew the New India insurance policy from Policybazaar.com.

      Step 1: Go to the official website of Policybazaar Insurance Brokers Private Limited

      Step 2: Select the “Car Insurance” tab from the homepage

      Step 3: Enter your car number in the given form

      Step 4: The details of your four-wheeler will now be auto-populated. 

      Step 5: From the given New India Assurance car insurance renewal plans, choose the desired plan along with add-ons and accessories

      Step 6: Now you will enter the payment page where you can make the payment for the renewal of your car insurance policy by using a debit/credit card, UPI or net banking.

      Step 7: Once the payment is complete, the insurer will renew your New India car insurance policy and send it to your registered email ID and address.

      How to File a Claim Under New India Assurance Car Insurance?

      To raise a claim under New India Assurance car insurance, follow the steps given below:

      1

      Inform the Insurance Company:

      Make sure to inform your insurer about the mishap so that they can begin with the claim registration process.

      2

      Take Pictures:

      It is suggested that the pictures of damages be clicked as it helps the insurer further process.

      3

      Do Keep your Documents Handy:

      To begin the claim process, you must fill out the claim form and attach the required documents. Therefore, it is advised that the documents be kept ready to make the process quicker.

      4

      Inspector’s Visit:

      Once you have submitted the claim form, the insurer will send a team of inspectors to inspect the loss and damage caused

      5

      Compensation Provided:

      If you get your car repaired in one of the network garages, the insurer pays for the repair on your behalf. However, if you get your vehicle repaired in a non-network garage, you have to pay the repair bill, and later, the insurer provides reimbursement for the paid amount.

      Documents Required to Raise a Claim Under New India Assurance Car Insurance

      These documents that are to be submitted at the time of registering a New India car insurance claim are as follows:

      • Duly filled claim form
      • Copy of Driving License
      • Certificate of Registration
      • Police FIR
      • Claim intimation received by the insurer
      • An estimate of repairs and a stamped receipt 
      • Fitness certificate
      • Repair bills done at authorised garages

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      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
      Average Rating
      (Based on 63 Reviews)
      Claim Assurance Program

      New India Assurance Car Insurance Reviews & Ratings

      4.5 / 5 (Based on 63 Reviews)
      (Showing Newest 10 reviews)
      Rajan
      Chandigarh, February 21, 2024
      Attractive features
      I came across Policybazaar while browsing through car insurance plans for my Honda city car and I was able to compare a lot of plans with ease. I found New India Assurance plan the best fit as it includes roadside assistance coverage since I travel a lot to mountaneous areas.
      Srinath
      Mahabalipuram, February 07, 2024
      Easy to compare
      I finally found the best coverage for my new Kia seltos HTX car at a very low cost. Everyone I talked to regarding car plan suggested me Policybazaar and Mr. Naresh agent helped me on choosing me comprehensive plan of new india assurance company was giving me all the features I wanted such as accidental damage, engine protection cover and zero dep.
      Rajbir
      Ambala, January 29, 2024
      Multiple payment options
      After comparing a lot of options I purchased New India Assurance Car Insurance Policy for my Swift Dzire. They have several secured payment options which I think is the most important thing. I found it very convenient making the payment and got all the facilities and a great work done here.
      Ritesh
      Chandigarh, January 27, 2024
      Geat Plan
      While searching for best options for a car insurance for my Toyota Glanza 2022 make model, I saw many positive reviews of Policybazaar. Bought New india assurance own damage plan for my car from them. Great coverage and amazing support!
      Rudar
      Nagpur, December 08, 2021
      Less paperwork
      Earlier I used to think that buying a policy takes a lot of time and paperwork but when I went to Policybazaar for car plan, an executive told me that I do not have to do much paperwork and can easily buy the plan. i bought new India car plan from policybazaar.
      Dev
      Chamba, November 26, 2021
      Renewal is easy
      I did not have much knowledge of policy. I contacted the customer care of Policybazaar to know about the documents required for renewal and the executive told me that the renewal process does not require any paperwork and I renewed my car policy easily.
      Pashu
      Lucknow, November 10, 2021
      Problem resolving
      I am using new india assurance car Insurance which i had taken from Policybazaar and sometime back I was facing some issue for which I contacted customer care. I must say that the staff of Policybazaar is very good in customer management. i got the solution in a single conversation
      Sonakshi
      Shimla, November 02, 2021
      Cashless repair
      Last year I bought New India Assurance Car Insurance from Policybazaar. I had a minor accident sometime back and my policy helped me get cashless repairs for my insured car and as it had coverage for the driver, so i got cashless treatment as well
      Mehar
      Gandhinagar, October 07, 2021
      No claim bonus
      Last week i was renewing my new india assurance car insurance which i had taken from Policybazaar and while renewing i got no claim bonus as i did not raised any claim request. Policybazaar provided me too good service.
      Yagnesh
      Mangalore, September 08, 2021
      Good service
      I recently bought a new car and a friend of mine suggested me to insure my car. after searching a lot, i connected with Policybazaar and got the New India assurance car insurance from here. they provided me very good service.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *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.

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