Navi Car Insurance FAQs

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Overview

  • 1. How many add-on covers does Navi General Insurance Company offer?

    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
  • 2. What is the incurred claim ratio of Navi General Car Insurance Company?

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

  • 3. How can I check my Navi General Car Claim status online?

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

  • 4. How can I download my Navi General Car Policy Document Online?

    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.

  • 5. How long does Navi General Insurance Company Limited take to process and settle car insurance claims?

    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.

  • 6. Does Navi General Insurance Company offer pay-as-you-drive car insurance?

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

Renewal

  • 1. When should my Navi auto insurance policy be renewed?

    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.

  • 2. Is it possible to transfer my NCB from my current insurer to Navi auto insurance?

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

  • 3. Is it possible to remove an add-on cover from my policy on Navi car insurance renewal?

    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.

  • 4. Can I renew my Navi General Insurance auto insurance coverage without a policy document?

    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.

  • 5. Will Navi carry vehicle inspection If I decide to renew its car insurance policy after 90 days of its expiration date?

    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.

Claim

  • 1. How can you download the Navi vehicle insurance claim form?

    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.

  • 2. What is Navi General Insurance's claim settlement ratio?

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

  • 3. How many garages are there for cashless Navi car insurance claims?

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

  • 4. What is the best way to find Navi insurance cashless garages near me?

    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.

  • 5. hould I attach a copy of the FIR to file my Navi car insurance claim?

    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.

Policy Download

  • 1. How can I get a copy of my Navi car insurance policy document?

    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.

  • 2. How can I acquire a duplicate four-wheeler Navi insurance copy online?

    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.

  • 3. How to Get a Duplicate Navi car insurance certificate online?

    • 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.
  • 4. What are the main benefits of having the Navi insurance policy available for download?

    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.

  • 5. What are the most important things in the Navi car insurance policy?

    a. Strategy type. 

    b. Policy duration.

    c. Number of policies, premiums, and IDV.

Add On Covers

  • 1. How many optional coverages are available with Navi car insurance plans?

    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.

  • 2. Will I have to pay an additional fee to get Navi car insurance add-ons?

    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.

  • 3. Is it necessary for my Navi car insurance policy to have an add-on cover?

    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.

  • 4. When can I purchase Navi car insurance add-on covers?

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

  • 5. In a policy year, how many Navi automobile insurance add-on covers may I choose?

    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.

Comprehensive

  • 1. What are the factors considered to determine Navi car insurance premium?

    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
  • 2. Does Navi General provide a cashless payment settlement facility?

    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.

  • 3. What is all covered under the Navi car Insurance policy?

    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.

  • 4. What are the add-ons provided with Navi comprehensive car insurance?

    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.

  • 5. When should I renew my 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.

Third-Party

  • 1. If I have Navi third-party car insurance, what may I claim for?

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

  • 2. To get the Navi third party car insurance policy, what papers do I need?

    • Certificate of registration. 
    • Driving licence copy.
    • Your vehicle's registration number.
    • Address proof along with any photo id.
  • 3. Where can I learn more about Navi third-party car insurance?

    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.

  • 4. What are the benefits of buying Navi third-party vehicle insurance?

    • Easy purchase.
    •  Simple claim procedure.
    • Excellent customer services set to enhance your insurance buying experience.
  • 5. Will my Navi third-party car insurance cover me if my car is destroyed by flood?

    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.

Zero Depreciation

  • 1. Is Navi zero depreciation car insurance coverage available outside of the municipal limits?

    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.

  • 2. Will I have to pay an extra fee to purchase Navi zero depreciation coverage?

    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.

  • 3. Is it possible to get a Navi zero depreciation protection for my used car?

    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.

  • 4. What does a Navi car insurance policy with zero depreciation mean?

    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.

  • 5. With Navi zero depreciation cover, can I obtain the full value of my claim?

    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.

Own Damage

  • 1. What is a standalone Navi insurance policy?

    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.

  • 2. Is it possible to switch to Navi General Insurance and keep my NCB earned with the previous insurer?

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

  • 3. How is the cost of my Navi vehicle insurance determined?

    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.

  • 4. How can I acquire a Navi standalone car insurance policy?

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

  • 5. How do I claim Navi car insurance online?

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

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