National Car Insurance Claim

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Insurance policy for cars is made mandatory by the law in India. A National car insurance policy protects vehicle owners financially by allowing them valid compensation for a variety of losses in exchange for the premium paid. So, in case policyholders face financial and legal liabilities owing to an accident involving their insured vehicles, they can file a National car insurance claim to get the compensation. National Insurance will investigate your claim by sending the surveyor to the accident site. The surveyor will prepare a report and send it to the insurance company. National Insurance will approve your claim only if it is found to be valid as per the findings of the surveyor report. 

But you may ask - how can I file a National car insurance claim? More so, if you are new to car insurance. We help you in this by showing you how to do it.

List of Documents Required During National Car Insurance Claim Settlement

National Insurance needs certain documents from you to validate and approve your claim. Apart from filling the form correctly, you must provide the company with all the essential documents. The list of documents would vary depending on the type of policy you purchase and the kind of liability you face. 

Documents Required in Case of Accidental Car Damage

  • A copy of the registration certificate.
  • A driving licence copy of the person driving the vehicle while meeting with an accident.
  • Repair estimates.
  • A duly filled claim form.

Don’t take your car to the garage till the surveyor appointed by National Insurance checks it . 

Documents to Submit in Case of Car Theft

  • A first information report (FIR) filed with the police.
  • Final report of the police.
  • A duly filled claim form.

Please provide correct answers to the questions that the investigator appointed by National Insurance may ask. 

Documents Required for Third-Party Liability Claims

  • A copy of the registration certificate, driving licence and an FIR.
  • A filled claim form.

How to Make National Car Insurance Claim Online?

Whether you want to claim for third-party or comprehensive car insurance, the procedure for filing a claim online is outlined below. 

  • Notify Your insurance company

 The first step of claiming National Insurance is to notify the company immediately about your claim. Thankfully, you can file a National car insurance claim online. Just email your claim intimation to National Insurance at nic.motor@nic.co.in. Make sure you have a copy of the policy with you when you file a claim.

  • Get Vehicle Inspection Performed

After notifying the insurance company, a claim surveyor will come to your home to check the claim's legitimacy. Your vehicle will be thoroughly inspected by the officer.

  • Submit Documents to the Surveyor

The surveyor will ask you for certain documents such as a copy of your policy, an accident report, a driver's license, a copy of your registration book, and an estimate of repairs.

  • Claim Approval Process

The surveyor will hand over the report to National Insurance to take further course of action. If your National car insurance claim proves legitimate, you will get approved for that. Soon, you will receive the claim amount.

How to Make National Insurance Cashless Car Insurance Claim?

You can do a cashless National car insurance claim by following these simple steps:-

Step 1: If your car has been damaged due to an accident or natural or man-made disasters, notify National Insurance immediately. Wait for the surveyor to visit the site of car damage before getting the vehicle towed to the nearest network garage for cashless National car insurance claim settlement. The list of network garages can be found on the company’s website or in your motor policy manual.

Step 2: Fill in and submit the policy paper for cashless repair approval. You may also be required to pay for depreciation on certain elements of your vehicle.

Step 3: After the repair work is done, the garage will submit an invoice to National Insurance along with the relevant documentation. The company would issue the payment after analyzing and validating the paperwork.

Step 4: The insurance company will only pay for the damages covered under the insurance policy. The policyholder is responsible for any additional repair costs.

How To Make National Reimbursement Car Insurance Claim?

Following are the step-by-step claim procedure for filing a reimbursement claim with National Insurance:

  • You can file a claim by contacting the National insurance company's toll-free number, visiting its website, or sending an email.
  • The insured person obtains a claim registration number once his claim is approved, which can be used for future reference and contacts.
  • Here also, you need to wait for the surveyor to come and inspect your vehicle and the legitimacy of your claim. Hand over the documents to the surveyor. 
  • If the concerned officer deems your claim eligible, take your damaged car to a garage for repairs.
  • Subsequently, the car insurance company acknowledges your claim and begins the compensation process.

Common National Insurance Car Insurance Claim Rejection Reasons

National car insurance claims can be rejected on the following grounds -

  • Fraudulent Evidence

National Insurance offers insurance coverage for legitimate claims only. But it can deny your car insurance claim if you try to fabricate a fraudulent claim scenario.

  • Drink and Drive Scenario

The insurance company will review the matter, and if it is determined that you were drunk at the time of the accident, the claim might get rejected.

  • Invalid Driving License

If you are caught driving without a driver's license, you will be considered equally responsible for any accidents that occur. In this instance, the National car insurance claim will get denied.

  • National Insurance No Claim Bonus

To encourage car owners to drive safely and make fewer claims, National Insurance provides you with a unique reward by allowing you to reduce your premium. You might be wondering how this reward works. 

Well, it's a no claim bonus (NCB) that helps reduce your premium on renewal on not filing a claim during the policy year. No claim filing in the first insurance year, you will receive a 20% NCB discount. So, if you don’t claim for five straight policy years, your National car insurance no claim bonus would go up to 50%. 

However, the premium applicable to the own damage component would only reduce and not the one to third-party liability cover. So, standalone own damage and comprehensive car insurance policyholders of National Insurance could get NCB and not the ones who only hold a third-party liability cover with the insurance company. Both standalone and comprehensive policies come with premiums for the car damage component.

Edelweiss No Claim Bonus

The no-claim bonus cover allows policyholders to submit a specified number of car insurance claims throughout the policy year and yet keep their NCB discount. If you wish to make a claim while simultaneously protecting your NCB discount, this add-on is beneficial. 

National Car Insurance Claim FAQs

  • 1. What are the main documents required to file a National car insurance Claim?

    To file a claim, you need a copy of an incident report, proof of identification, domicile proof, policy information, etc.

  • 2. Can I make a claim even if my National car insurance policy has recently expired?

    You can’t file a National car insurance claim in that case. Therefore, it is critical to renew the insurance before it expires.The genuine and bona fide claims will be processed within 24 hours of receipt of all needed documentation and information.

  • 3. Are damages from natural calamities covered under a National car insurance claim?

    Yes, you can raise a National car insurance claim for damages caused to your vehicle due to natural calamities. Edelweiss claim settlement ratio for the year 2021 was 97.01%

  • 4. Can I re-claim for compensation if my claim was once rejected by National Insurance?

    After carefully pointing out your mistakes and rectifying them, you can again file for a new claim.

  • 5. What is a cashless National car insurance claim settlement?

    A claim is settled in a cashless manner whenever the repair is done at an insurance provider's network garage.

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