New India Car Insurance FAQs

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Overview

  • 1. Can I skip renewing my New India car insurance policy regularly?

    You must renew your New India car insurance policy within the stipulated period regularly before it expires.

  • 2. How many cashless garages are there in India run by New India Assurance?

    New India Assurance runs more than 250 cashless garages all across India.

  • 3. Is it possible for a New India Assurance executive to be present in court at the time of a third-party hearing?

    You can request for the presence of a New India Assurance company executive at the third-party court hearing.

  • 4. Is it necessary to buy add-ons on top of a base New India insurance policy?

    It is recommended to buy add-ons with your base policy as there are certain aspects of accidental damage that your base policy might not cover. An add-on covers specific damages, providing additional coverage.

  • 5. How do I renew my expired New India policy offline?

    You can renew your policy offline by visiting the New India Assurance office near you. You can meet the customer representative and request for a renewal form, and complete the formalities in person. You can also make payments in cash and collect renewed policy document in physical form.

Renewal

  • 1. How much discount does one get with New India no claim bonus?

    No claim bonus is important while applying for New India car insurance renewal as one gets discounts ranging from 20% to 50% based on the type of car and the number of years for which no claim has been made.

  • 2. What is the price of car insurance renewal New India price?

    The cost of car insurance renewal New India depends on the history of the insured car and its previous insurance policy. Insurers may increase the price at the time of policy renewal based on the policyholder's claims types under the policy. Also, suppose the previous New India car insurance policy had already lapsed for a considerable amount of time. In that case, there may also be an increase in the premium amount on insurance policy renewal.

  • 3. What are the details required for New India car insurance policy renewal?

    For New India car insurance policy renewal, the policyholder will be asked to enter the following details in the renewal form:

    • Policy holder's name (as on official documents)
    • Policy holder's contact number and e-mail id
    • Policy holder's vehicle registration number
    • The existing policy number of the insured car
  • 4. What are common reasons that a request for car insurance renewal New India can be declined?

    Following are some of the common reasons for the rejection of your New India car insurance renewal:

    • Imported model car
    • Improper documents
    • Theft or fraudulent prone area where you reside
    • You being associated with motoring offences in the past
    • Lapsed policy
  • 5. How to check New India car insurance renewal due date?

    You can find the due date of your New India car insurance renewal in the policy documentation provided by the insurer. Also, you can make a call to the company and request the same.

Claim

  • 1. What is the New India car Assurance insurance claim settlement ratio?

    The New India Car insurance claim settlement ratio is approximately 89.6%.

  • 2. Can I claim car insurance New India if my car is damaged in the riots?

    That depends on the policy you have purchased. New India comprehensive car insurance policy covers damage suffered by the vehicle in a riot.

  • 3. Who decides the claim amount in case a third-party suffered loss during an accident?

    In case of third-party loss, the claim amount is evaluated by the Court of Law. 

  • 4. What proofs to show during New India car insurance claim if the vehicle is stolen?

    In the case of a stolen insured vehicle, a copy of FIR plus non traceable certificate are compulsory while claiming the insurance amount.

  • 5. How much discount does one get with New India no claim bonus?

    No claim bonus is important during the renewal of policy as one gets discounts ranging from 20% to 50% based on the type of car and the number of years for which no claim has been made.

Policy Download

  • 1. Does the copy of the New India car insurance policy contain the details regarding the no claim bonus?

    Yes, the copy of the New India car insurance policy contains the details regarding the no claim bonus.

  • 2. What details does the New India car insurance policy document contain?

    The following details are provided in the New India car Insurance policy:

    • Your full name and age
    • Your policy number
    • Date of purchasing
    • Date of expiry
    • Sum insured details
    • Inclusions and exclusions
    • No claim bonus details
    • Grievance process
    • Details of the add-ons, if any
    • Insured Declared Value (IDV) details
  • 3. How many times can I download the New India car insurance policy?

    You can download the New India car insurance policy as many times as you lose it.

  • 4. What information is needed for the New India car policy download?

    To download the policy document, you will need only to enter a registered mobile number and your policy number.

  • 5. What if I do not have my New India insurance documents with me?

    Driving without a policy document can make you pay a heavy fine of INR 2,000 and/or imprisonment of up to 3 months.

Add On Covers

  • 1. Can I opt for a single add-on cover with my New India car insurance policy?

    Yes, according to your requirement, you can request them for a single add-on cover.

  • 2. How much extra premium do I need to pay to buy New India car insurance add-on covers?

    It will depend on the type of add-on you buy and the terms and conditions of the policy you get from the company.

  • 3. Are there any terms and conditions for claiming and purchasing New India car insurance add-on covers?

    New India Assurance can place certain terms and conditions regarding add-on covers. You can read about them while checking your New India car insurance policy document. 

  • 4. What factors New India Assurance may consider before allowing you car insurance add-ons?

    New India Assurance may consider the age of the car & model, as well as your residence before allowing you add-on covers. 

  • 5. Will my New India car insurance add-ons expire if I don’t renew my policy?

    Yes, they will expire in that case. Renewal is important to continue add-on covers. 

  • 6. What should I consider before buying New India car insurance add-on covers?

    Firstly, you need to assess your insurance requirements. Secondly, check your budget. If the add-ons meet your needs for the amount you can afford for them, consider buying them for an additional premium. 

  • 7. Can I cancel my New India car insurance add-ons?

    Yes, you can opt out of add-ons while renewing your New India car insurance policy. In that case, only the base policy premium you will need to pay. 

  • 8. How can I buy New India car insurance add-on covers?

    You can buy these add-ons while buying a New India car insurance policy on the company’s website or visit its branch to do so. In case you could not buy add-ons while purchasing the policy, you can do that on renewal. 

Comprehensive

  • 1. Who can buy the New India comprehensive car insurance policy?

    Any four-wheeler vehicle owner whose vehicle is registered with their name in the Regional Transport Authority of India is eligible to buy the New India comprehensive car insurance.

  • 2. How can I extend New India four-wheeler comprehensive insurance policy with add-ons?

    You can extend the New India four-wheeler comprehensive insurance to cover several additional risks, such as damage due to accessories fitted in the car or passenger injury, by paying the extra premium.

  • 3. What factors affect the cost of the New India comprehensive four-wheeler insurance?

    The cost of the New India comprehensive car insurance policy depends upon the following factors:

    • Insured Declared Value
    • Cubic capacity
    • Age of the car
    • Model of car
    • Add-on covers
    • Geographical zone
  • 4. Can I renew my New India comprehensive car insurance online?

    You can renew your New India comprehensive four-wheeler insurance online by simply visiting the official portal of New India Assurance and filling out the form with the required details.

  • 5. What documents are needed while lodging a New India comprehensive car insurance claim?

    While filing your New India comprehensive four-wheeler insurance claim, the insurer will expect you to show the following documents:

    • A duly-filled claim form
    • Receipt of the paid premium
    • Registration Certificate
    • Copy of FIR
    • Bills and repair proof
    • Copy of New India comprehensive car insurance policy
    • Driving Licence

Third-Party

  • 1. Is it compulsory to buy New India third-party car insurance policy?

     Yes, New India third-party car insurance is mandatory to buy as per Motor Vehicles Act, 1988. 

  • 2. Who can take the New India third-party car insurance policy?

    Any car owner whose vehicle is registered with his or her name in the Regional Transport Authority of India is eligible to buy the New India third-party car insurance.

  • 3. What are the cost factors of New India third-party four-wheeler insurance?

    New India third party car insurance policy cost depends upon the following factors:

    • Insured Declared Value
    • Age of the Vehicle
    • Cubic Capacity
    • Model ofCcar
    • Add-on Covers
    • Geographical Zone
  • 4. What documents are needed while lodging a claim for New India third-party car insurance?

    While filing your New India third-party car insurance claim, the insurer will expect the following documents-

    • Claim Form
    • RC or Registration Certificate
    • Copy of FIR 
    • Bills and Repair Proof
    • Receipt of the Premium Paid
    • Copy of New India third-party car insurance policy
    • Driving Licence
  • 5. What is the claim process of New India third-party car insurance?

    For that, you need to inform the insurer that you have met with an accident that caused the third party's loss/damage/injury and provide the information such as the date and time of the event, details of insurance and policyholders involved, photographs of the incident, eyewitnesses, etc. The insurer will assess all evidence and documents to settle the claim with a third party accordingly.

Zero Depreciation

  • 1. Is it compulsory to buy New India zero depreciation cover?

    No, it is not compulsory to buy a zero depreciation cover. However, buying it only extends your car’s protection.

  • 2. Can I opt for only a zero depreciation add-on with my New India car insurance policy?

    Though New India Assurance offers add-on covers in bundles to optimize a customer's policy coverage yet, you can request the insurer for only zero depreciation add-on cover if you require that specifically.

  • 3. What documents are needed while lodging a claim for New India zero dep car insurance?

    While filing your New India zero dep car insurance claim, the insurer will expect you to show the following documents-

    • A duly filled claim form
    • Receipt of the premium paid
    • Registration certificate
    • Copy of FIR 
    • Bills and repair proof
    • Copy of the New India zero depreciation add-on cover 
    • Driving licence
  • 4. Who should purchase a New India zero dep car insurance?

    A person who has a new car, a luxury car, or a sports car must purchase New India zero depreciation cover add-on. Also, a person who lives in an accident-prone area should expand their insurance policy with this add-on cover.

Own Damage

  • 1. Is it mandatory to buy a New India standalone car insurance policy?

    No, buying the New India standalone car insurance policy is not mandatory. However, as per the Indian traffic rule, every car owner must have at least third-party insurance.

  • 2. What are the factors that affect New India standalone four-wheeler insurance premiums?

    The premiums of the New India standalone car insurance policy depend upon the following factors:

    • Cubic capacity
    • Insured Declared Value
    • Age & model of the vehicle
    • Geographical zone
    • Add-on covers
  • 3. What documents are needed for lodging a New India standalone car insurance claim?

    While filing your New India standalone car insurance claim, you must submit the following documents-

    • A duly filled claim form
    • Registration Certificate
    • Receipt of the premium paid
    • Bills and repair proof
    • A copy of the FIR 
    • Copy of New India standalone car insurance policy
    • Driving License
  • 4.Does New India standalone car insurance cover towing charges?

    New India standalone car insurance policy covers towing charges up to 1500 INR from the place of accident to the garage.

  • 5. How can I pay the premium of New India standalone car insurance?

     You can do so either online or offline modes. You can visit the website of New India Assurance to pay the premium using any of the net banking/debit card/credit card/UPI. Those not comfortable paying the premium online can visit the branch of the insurer to do so. They can pay the premium in cash, cheque or demand draft. 

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