Navi General Car Insurance

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Intro to Navi General Insurance Company

Navi General Insurance Company Limited was formerly known as DHFL General Insurance Company. The company has taken over the general insurance business of DHFL General Insurance Company and has been independently dealing with general insurance products. The company is also known by its acronym ‘Coco’. The main motive of Navi General Insurance Company is to provide a wide range of general insurance products and services as per the insurance needs of its customers. The company is gearing up to provide sustainable insurance products to satisfy all the insurance needs of customers. 

Types of Car Insurance Plans offered by Navi General Insurance Company

Coco-Navi General Insurance Companies offers a wide range of general insurance products ranging from Health insurance, Travel Insurance, Two-wheeler Insurance, Motor Insurance, and Home Insurance Products. All these products are designed by keeping in mind the insurance and safety needs of customers. The Motor Insurance plan is designed to offer coverage for Private cars. Motor Insurance is a mandatory insurance in India. It is illegal to drive a vehicle on Indian roads without a valid motor insurance plan. Coco- Navi General Insurance Company offers two types of car insurance plans as under:

  • Third-Party Plans: 
    A third – party car insurance policy is legally binding on all car- owners as per the Motor Vehicle Act, 1988. This plan is solely designed to offer insurance coverage against damages caused by the insured vehicle to third – party vehicles or life. This plan also covers the legal obligations that might arise due to an accident that involves insured vehicles and third – parties.

     
  • Own Damage Policy: 
    This car insurance plan is designed to cover the expenses caused due to damages or losses caused to own vehicle. Any loss or damage caused due to an accident to vehicle or self is covered under their own damage policy. In the event of the death of the car owner in an accident while driving the insured vehicle the nominee is eligible to receive 

     
  • Comprehensive Car Insurance package: 
    A comprehensive car insurance policy is designed to offer insurance coverage for damages caused to third- party as well as own vehicle. The comprehensive car insurance package is a better buy as it covers for the losses or damages caused to property or life of self or third – party. 

Benefits of Car Insurance Plans offered by Navi General Insurance Company

Navi General Insurance Company Limited is one of the leading general insurance companies offering top-notch motor insurance plans that takes care of all the expenses incurred in the event of any losses or damages. Buying Navi General Car Insurance is advantageous as it offers the following benefits:

  1. Insurance Coverage: 
    The Navi General Car insurance coverage takes care of the damages or losses caused to third-party or self in the event of an accident. 
  2. Legal Liability: 
    The insurance cover helps you to cover any legal liability arising thereof. The insurance cover fulfils the cost of the entire legal expense.
  3. Financial Security: 
    Buying a Navi General Car Insurance Policy ensures financial security as it takes care of all the damages caused to the vehicle.
  4. Affordable premiums: 
    The premium amount of Navi General car Insurance policy is affordable.
  5. Add-on Covers: 
    Customers can widen the insurance coverage of their car insurance policy by opting add-on covers to the base policy. Add-on covers are helpful as they cover specific events and cover the entire expense related to it. Additionally, they can be included in the base policy at an affordable premium amount. The following are the various add-on covers available under Navi General Car Insurance Policy:
    • Zero Depreciation Add-on: 
      Usually, the depreciation cost is not covered under a car insurance policy, therefore, in the event of a mishap, the insurance provider deducts the depreciation cost of the vehicle or its parts. This deduction reduces the amount of claim, therefore, to secure oneself against this deduction opt zero depreciation add-on cover. If you have opted zero depreciation add-on cover the insurance company shall pay you the full claim amount without deducting any depreciation cost.
    • Roadside Assistance Add-on: 
      As the name suggests, under this cover you shall receive 24*7 assistance from the insurance provider in the event of a car breakdown. 
    • NCB Protection Add-on: 
      NCB stands for No Claim Bonus Protection Add-on Cover. This is a bonus that the insurance provider offers in case no claim was filed by you in a policy year. For every claim-free year, you are entitled to this bonus and it increases yearly. However, if a claim is filed you shall not be entitled to a bonus. However, if you have NCB protection add-on cover you shall be entitled to receive the bonus even if you file a claim.
    • Return to Invoice Add-on: 
      In the event of an accident resulting in total damage of the vehicle or in the event of theft this add-on, the cover helps to receive the invoice amount of the car thereby helping you to get the maximum claim amount.
    • Enhanced Owner Personal Accident: 
      Compensation will be paid in the event of injury to the owner-driver while travelling or driving the insured vehicle
    • Enhanced Occupant Personal Accident: 
      Compensation will be paid in the event of injury caused to the occupant while travelling in the insured vehicle.
    • Consumables Cover Add-on: 
      This add on will cover the expense incurred for replacement of consumables arising in the event of an accident to the insured vehicle.
    • Accidental Hospitalisation: 
      In the event of hospitalisation due to an accident, the medical expenses incurred shall be covered. 
    • Engine Protector: 
      As the name suggests this add-on covers the repair and replacement expenses caused to the engine and its parts due to loss or damage.
    • Key and Lock Replacement: 
      In the event of theft or loss of keys where the vehicle has been broken into, the insurance provider will reimburse the cost of new keys and locks. 
    • Personal Belonging Protector: 
      This cover shall pay for the loss or damage of personal belongings of the owner/driver/occupants while driving the insured vehicle.
    • Daily Conveyance Allowance: 
      If your vehicle is out in the garage for repair works due to damage then the company shall provide for daily conveyance allowance for a maximum period of 15 days.
    • Hospi Cash: 
      In the event of an accident, if you or driver or occupant suffer injury leading to hospitalisation then the insurance company will provide for hospitalisation expenses for maximum 5 days.

What is Covered in Car Insurance Plans offered by Navi General Insurance Company?

The coverage obtained under the Navi General Insurance Company Car Insurance Policy takes care of the expenses in event of loss or damage caused to the insured vehicle in the following circumstances:

  • Man-made events like theft, burglary, riot, etc
  • Natural events like earthquakes, floods, cyclones, etc.
  • Damages caused to the vehicle while in transit
  • Third-party liability arising due to damage to third party vehicle or loss of third-party life
  • Accidental death or disability caused to the owner while driving the vehicle

What is Not Covered in Car Insurance Plans offered by Navi General Insurance Company?

The damages or losses that are not covered under the insurance coverage are called exclusions. The following are the exclusions under the Navi General Car Insurance Plan:

  • Damages caused while driving the insured vehicle without a valid driving license
  • Damages caused due to accident caused while driving under the influence of drugs or alcohol
  • Depreciation or normal wear and tear of the vehicle due to ageing
  • Consequential Losses
  • Damages caused due to war or nuclear perils
  • Violation of the limitation of use of the vehicle i.e. private car used as a taxi

How to Apply For a Navi General Car Insurance Plan?

Buying a car insurance policy from Navi General Insurance Company Limited is simple, quick and hassle-free. Customers who intend to purchase the car insurance policy can apply in two ways namely:

  • Online mode: 
    Under this mode, the proposer needs to visit the official website of the Navi General Insurance Company and fill the required relevant information asked on the company’s official website. Once all the information is entered an online quote will be generated. If the proposer is satisfied with the terms and conditions of the policy they can go ahead and pay the premium amount.
  • Offline Mode: 
    Under this mode, the proposer can apply for Navi General Car insurance plan by submitting an application either to the company directly or to the authorised agents of Navi General Insurance Company

To apply for Navi General Car Insurance Plan the proposer has to submit the following documents:

  • Duly filled proposal form
  • Copy of RC
  • KYC Documents

Navi General Car Insurance Claim Process 

Navi General Insurance Company Limited has a quick and hassle-free claim settlement process. The company starts the claim settlement process as soon as they receive all the required documents. Usually, the claim is settled within 7 working days starting from the date of receipt of all documents. Navi General Insurance Company claim process is carried in two ways namely:

  • Cashless Claim: 
    Under this type, the car owner needs to carry out the repair works of the vehicle in the network garage and all the expenses incurred shall be settled directly between the insurance provider i.e. Navi General and the Network Garage.
  • Reimbursement Claim: 
    Under this type, the car owner can carry out the repair work on the vehicle at the garage of his/her choice and pay the bill. Post payment the owner can submit the invoice and bills to the insurance provider and claim reimbursement of the claim.

The following are the steps involved in the claim process:

  • Claim Registration: It is the first step where the car owner has to notify the insurance provider about the incident and register claim. The claim registration can be done in the following manner:
    • Call Navi General Insurance Company Limited Toll-free number at 1800 123 0004, or
    • Send an email at mycare@navi.com, or
    • Log in to the official website of Navi general at www.cocogeneralinsurance.com, or
    • Use the Navi General Mobile App, or
    • Visit the nearest Navi General Branch office
  • Take the vehicle for repair
    • The next step involves taking the damaged vehicle to the garage for repair works. Kindly note the car owner needs to carry certain documents while taking the vehicle for repair as a vehicle inspection shall be carried out by an authorised surveyor. Following is the list of documents that the car owner must carry along with.
      • Duly filled claim form
      • Copy of RC
      • Copy of Car Driving License
      • Police Report in case of theft or third – party damage
      • KYC documents of the car owner 
  • Claim Settlement: Claim settlement is the last step where the payment of the claim is made either directly to the network garage or is paid to the car owner in case of a reimbursement claim. 

How to Renew Your Lapsed/Expired Navi General Car Insurance Policy Online?

An active car insurance policy is very important as holding an expired or invalid car insurance policy is deemed to be illegal in India. Therefore, keeping your car insurance policy updated and active is mandatory. However, if you have missed paying the premium amount within the stipulated time it goes into a lapsed state. However, the good news is you can renew your lapsed car insurance policy. However, the first step towards it is to convey the insurance provider that your car insurance policy has lapsed. Upon receiving the request for renewal of lapsed policy the company will send an authorised surveyor who will inspect the health of your car. If the surveyor is satisfied with the fitness of the vehicle only then you can renew your lapsed car insurance policy. For renewal you need to pay the premium amount and submit the copy of the following documents:

  • Duly filled Proposal Form
  • KYC Documents of the proposer or the car owner
  • Copy of RC Book
  • Copy of lapsed car insurance policy

Once you submit the above-required documents along with the premium amount your lapsed car insurance policy will be reinstated and your car insurance policy will be valid.

Navi General Car Insurance Review:

The car insurance policy offered by Navi General Insurance Company is very popular as it is designed to cover all the car insurance needs. The policy also offers additional cover by way of add-ons. The company offers a wide range of add-ons covers to widen the scope of insurance coverage of the car insurance policy. Additionally, the buying of insurance policy is simple and hassle-free. Customers can buy insurance cover online or can visit the nearest branch office. The car premium rates are competitive and good insurance coverage can be purchased at an affordable premium amount. Apart from the insurance policy, the company is also well-known for providing top-notch customer service and quick claim settlement. The customer service department is dedicated and they extend help at the earliest. Similarly, the claim settlement process is quick and hassle-free. Thus, these factors contribute to the popularity of Navi General Insurance Company Limited’s car insurance policy.

Navi General Insurance Customer Care Number

Navi General Insurance Company Limited has a dedicated customer service department which solves all the queries of their customers. Customers can connect with the company in the following ways:

  • Customers can call the toll-free number at 1800 123 0004 between 8 AM to 8 PM to get their queries resolved.
  • Customers can email their queries to Navi General Insurance Company Limited at mycare@navi.com
  • Navi General Insurance Company Limited has created a dedicated cell for senior citizen customers where their queries are quickly attended and addressed. So if you are a senior citizen you can drop your query at seniorcare@navi.com
  • Customers can locate the nearest branch office on the official website of Navi General Insurance Company Limited and visit it for resolving their queries
  • Customers who intend to reach the company through letter can write and send the letter to the following address:

Navi General Insurance Limited

402,403 & 404, A & B Wing, 4th Floor,

Fulcrum, Sahar Road, Next to Hyatt Regency,

Andheri (East), Mumbai – 400099. Maharashtra

Frequently Asked Questions
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