National Car Insurance FAQs

National Insurance Company is one of the leading general insurance companies in India. The company is well-known for providing a wide range of add-on covers for their customers to pick and choose. These add-on covers can be added to the base policy in order to avail additional coverage for their car insurance policy. The add-on covers is a cushion that offers additional protection against the damages or losses to the car thereby ensuring peace of mind. These add-on covers can be added by paying a minimal extra premium. 

The add-on covers offered by National Insurance Policy are as under:

• Nil Depreciation
• Invoice Protect
• Engine Protect
• NCB Protect
• Towing Charges

The Incurred Claim Settlement Ratio of National Insurance Company for motor insurance claims as per IRDA Annual Reports for FY 2018-19 is 121.67%.

National Insurance Company has a dedicated portal where customers can check their claim status within seconds. Visit https://nationalinsuranceindia.nic.co.in/portal/page/portal/Corporate/Home/ClaimsDetailsFromEbao and you can easily track the claim status.

You need to fill in details like Customer ID, Claim No, Policy Number, Date of loss, etc. to get the relevant details.

To download a car policy document online you need to first register yourself to National Insurance Company’s website. You can register yourself by providing necessary information like name, surname, policy number, email id, address, etc. Once you register your User ID and Password will be generated with which you need to re login and register a service request for a policy document. The customer support executive upon receipt of the service request shall send the policy document to your registered email ID from where you can easily download it.

As per IRDA guidelines and regulations, the insurance company has to settle the car insurance claims within 30 days of receiving all the documents and verification. If any further investigation is required the claim settlement process should be completed within 6 months starting from the date of filing the claim in writing. However, the Nation Insurance Company usually takes 7 working days to settle the claim.

No, National Insurance Company does not offer a pay-as-you-drive car insurance facility.

In case you file a claim during a policy year,  you will get premium discounts on National car insurance renewal. But a revision in third-party liability premiums by the IRDAI, as and when it deems fit to do so, could raise your National car insurance premium rates on renewal. In addition, if you have been fined repeatedly for violating traffic rules, driving under the influence of intoxicants such as liquor, National Insurance could raise the premium.

Your car will remain uninsured against unforeseen car damage expenses and third-party liabilities until the policy is renewed.

A facility like this is not available as of now. In India, car insurance contracts are typically available for a year, and you must pay the entire amount upfront rather than in installments.

Online policy renewal is safe and convenient at National Insurance. You can instantly renew the policy and start getting the benefits out of it.

You can renew your plan without internet Banking. You can make the payment with a debit card, credit card or UPI. 

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

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.

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%

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

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

Yes, you can dial the toll-free number, which is 1800-200-7710, for the said purpose. However, the number can change with time. So, you should refer to the company’s website to know the updated number.

You can show the document to be able to ride safely and legally. While meeting with an accident or facing damage/loss due to an accident or natural or man-made disasters, you will need to produce your policy doCcument for getting a National car insurance claim with ease. 

If you happen to delete your digital policy document by mistake, you can download it again using your policy number on the insurer’s website.

There is no limit to the times you can download your digital policy documents.

Yes, your National car insurance policy document will contain details regarding the inclusions and exclusions.

National car insurance add-on covers provide additional protection on your vehicle insurance policy, which can help you supplement the coverage provided by your regular car insurance policy. You need to pay the premium for the add-ons as well as the one you do for the standard National car insurance policy. These add-ons can be attached to both standalone own damage and comprehensive plans offered by National car insurance.

Yes, you can choose from a variety of add-ons when purchasing National car insurance.

While purchasing National car insurance add-on covers is not mandatory, doing so only helps widen your financial coverage against unforeseen events related to your vehicle. Since these add-ons come at an extra premium, select the one that you would need mostly.

The claim procedure does not change from one add-on to another. You will need to intimate National Insurance, which will be followed by a surveyor visit, relevant document submission, claim approval (if all goes well) and the subsequent disbursal of the claim amount.

Choosing from a range of National car insurance add-on covers depends on your actual needs. But add-ons such as zero depreciation, engine protection and roadside assistance cover are must to have. Vehicles will depreciate sharply over time, resulting in far less claim disbursal amount in case of damage to the car. Other add-ons mentioned also add value by protecting you against unforeseen expenses. 

Yes, having a valid driving licence is mandatory to claim the insurance.

According to a source, the claim settlement ratio is 85.7%.

Yes, those interested in buying add-ons need to pay a separate amount for that.

Yes, customers can visit the office and collect the information.

Any car owner who wishes to protect his/her vehicle can buy National third-party insurance. 

In such a scenario, you'll have to pay a fine. Therefore, it's always advised to buy insurance. 

No. third-party insurance doesn't allow adding riders to the base policy.

Third-party insurance is less costly than comprehensive insurance because the former provides very limited coverage compared to the latter.

A National third-party car insurance policy covers property damage of the third person for up to INR 7.5  lakh. Whereas bodily injuries, disability or death of the third party do not have a  predefined coverage limit as the court decides the compensation amount for the same.

No, the zero depreciation add-on cover of National Insurance does not cover electrical/mechanical breakdown. 

How much money can I save with National zero depreciation car insurance add-on cover?

No, National zero dep car insurance does not cover any depreciation to the bi-fuel kit.

You can buy a zero depreciation add-on cover for your second-hand car if it is not older than 5 years.

No, National zero depreciation car insurance offers no coverage against stolen vehicles.

Yes, you can buy the standalone car insurance on the official website of National Insurance Company.

The National standalone car insurance policy can be bought offline by visiting the nearest office of the company.

The National standalone car insurance policy has the facility of a no claim bonus for policyholders.

National car insurance claim settlement ratio represents the entire claims settled under the company’s various policies, including its standalone variant.

Yes, a standalone car insurance policy is affordable as compared to a comprehensive plan.