Navi Car Insurance FAQs

Customers can customise their car insurance policy by opting one or many add-ons covers as under:

1. Zero Depreciation Add-on
2. Roadside Assistance Add-on
3. NCB Protection Add-on
4. Return to Invoice Add-on
5. Enhanced Owner Personal Accident: 
6. Enhanced Occupant Personal Accident
7. Consumables Cover Add-on:
8. Accidental Hospitalisation
9. Engine Protector
10. Key and Lock Replacement
11. Personal Belonging Protector
12. Daily Conveyance Allowance
13. Hospi Cash

The incurred claim ratio of Cholamandalam MS Car Insurance Company for FY 2018-2019 is 29%.

You can call the toll-free customer service number at 1800 123 0004 and check the Car Claim status.

You will receive a copy of your car insurance policy upon applying for car insurance. Alternatively, you can contact the customer service department, they will revert the car policy document to your registered email ID.

Post completing all the documentation formalities the Navi General Insurance Company initiates the claim settlement process immediately. Usually, the claim is settled within 7 working days.

No, the company does not offer pay-as-you-drive car insurance.

Your Navi auto insurance coverage must be renewed before its expiration date. Even if you forget to renew the policy before it expires, Navi will allow you to renew it within 90 days of the expiration date to avoid it getting lapsed and losing the coverage.

Yes, you may transfer your No Claim Bonus (NCB) from your current insurance carrier to the Navi auto insurance plan during the buying process.

Yes, you may change your auto insurance policy during the renewal process. You can add or remove any add-on coverage from your insurance during the renewal process.

Even if you lose your policy paper, you may easily renew your Navi car insurance plan. You can refer to your email and find a soft copy of your policy document entailing your policy number and other details. Just input the same when renewing your Navi car insurance policy.

Yes, it will carry out an inspection to check the condition of the vehicle, and if its condition is found to have deteriorated, the premium will most certainly rise and you will lose the accumulated NCB benefits.

The claim form for the Navi auto insurance plan may be simply downloaded from the insurance company's website. Additionally, you can obtain a physical copy of the claim form by visiting the insurance company's local location.

For the fiscal year 2019-20, Navi General Insurance's claim settlement ratio is 76.20 percent.

Under Navi General Insurance, there are over 1,100 network garages you can send your car for cashless repairs.

Navi General Insurance's garages are easily located by visiting the company's official website and selecting the garage option. Once you've opened the garage area, you'll need to select your state and city before the garage location will show.

Yes, you will need to present a copy of an FIR to file a claim for your insurance in the event of unintentional bodily injury or car theft.

When you apply for Navi car insurance, you will receive a copy of your policy. You may also contact the customer service department, which will send the auto policy paperwork to your registered email address.

You can contact Navi Insurance on the company’s email address to obtain a duplicate insurance copy online or download a soft copy from the internet.

• Go to the insurance company's website.
• Choose an insurance type from the drop-down menu of options.
• Enter information about your insurance, such as the policy number and your name.
• Your policy will be ready to download and print after these documents are completed.

Users may download and read all of the insurance policy specifics, and if there are any ambiguities, they can be resolved too. The policy specifics include the coverage, the premium payable, renewal date, etc.

a. Strategy type. 

b. Policy duration.

c. Number of policies, premiums, and IDV.

NCB secure, zero depreciation cover, daily conveyance allowance, tyre protector, consumable expenses, roadside assistance, engine protector, new car for an old car, etc, are some car insurance add-on covers offered by Navi.

Yes, you will need to pay a small additional premium in addition to the initial premium amount of your car insurance policy to obtain additional coverage.

No, adding add-on coverage to your car insurance policy is not required; it is entirely up to you and your budget. These are optional advantages that you may add to your insurance coverage by paying an extra premium.

You may purchase car insurance add-on covers at the time of purchase or renewal of your vehicle insurance policy.

There are no restrictions on the number of automobile insurance add-on covers you may choose throughout a policy year. You can choose as many Navi car insurance add-on covers as you desire.

The amount of premium that policyholders must pay for Navi comprehensive car insurance is calculated using the following factors:

• Car's age
• Add-on covers 
• Anti-theft equipment in the automobile 
• Engine capacity
• No-claim bonus

Yes, Navi General Insurance's cashless claim settlement option allows you to get your automobile fixed for free at any network garage. By inputting their exact current position on Navi General Insurance's official website, policyholders can find the nearest network garage or workshop.

Third-party liabilities, road accidents, fire, theft, earthquakes, floods, riots, terrorist activity, and other events are covered under the Navi comprehensive car insurance policy. However, you can read the policy wording of your auto insurance policy to learn more about the coverage details.

Zero depreciation, no claim bonus, consumable expenses, engine protector, accidental hospitalization, assistance cover, hospital Cash, emergency transport and hotel stay, roadside EMI protector, tyre replacement, and so on are some of the add-on covers offered by Navi comprehensive car insurance policy.

You must renew your Navi auto insurance policy before its expiration date. However, even if you forget to renew it after it expires, the insurance company will give you a grace period to renew it within 90 days of the expiration date to avoid it being invalid/lapse.

You can claim for a third-party death or physical injury, damage to third-party property or vehicles  

• Certificate of registration. 
• Driving licence copy.
• Your vehicle's registration number.
• Address proof along with any photo id.

You can learn more about Navi third-party auto insurance by visiting the user-friendly website of the insurance company or dialing its toll-free number 1800-123-0004. Remember, the toll-free can be changed, so you need to check the same on the website before dialing.

• Easy purchase.
•  Simple claim procedure.
• Excellent customer services set to enhance your insurance buying experience.

No, Navi third-party auto insurance does not cover damage to your vehicle caused by natural disasters like floods, earthquakes, and storms. This insurance coverage is solely intended to cover damage caused to a third party by your insured car.

Only within the pre-specified geographical zone, the Navi zero depreciation add-on cover reimburses for any damage or loss. Outside of the geographical location, the insurance company will not be liable for any damage or loss caused to the covered automobile.

Yes, when you choose Navi zero depreciation protection with a solo vehicle insurance plan or a comprehensive car insurance plan, you will have to pay for the add-on cover in addition to the basic car insurance policy.

Yes, you may get a Navi zero depreciation add-on protection for your used car as long as it is less than five years old. The insurance company, on the other hand, can send someone to examine the vehicle to assess the validity of this add-on cover.

If you have zero depreciation coverage, you may recover the full cost of replacing auto parts in the event of an accident. The claim amount will not be reduced by the depreciation value of the damaged parts.

No, a Navi zero depreciation policy does not guarantee that you will get the whole value of your claim because deductibles are taken into account when calculating the claim amount. Only depreciation charges are compensated, ensuring you receive the maximum claim amount.

As the name implies, Navi standalone own-damage car insurance is a policy that covers only your own vehicle's damages and losses resulting from crashes, natural disasters, fires and thefts.

Yes, you may transfer your NCB to Navi General Insurance without losing it.

The premium you pay will be determined by elements like the type of automobile you own, its insured declared worth, where you live, add-on coverage you want, NCBs (if applicable), coverage quantity, etc.

Navi General Insurance offers standalone car insurance that you can acquire by downloading their app and applying online.

To file a claim for Navi car insurance online, go to the main website and fill out the form.