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National Car Insurance Claim

96 reviews Rate This
    Network Garages3,100+
    Claim Settlement Ratio85.71%
    Emergency AssistanceAvailable 24/7
    Third Party CoverAvailable
    AccreditationAA+/Negative Rating by CRISIL
    Presence 1,730 Offices

    National Car Insurance Claim

    A car insurance claim is a procedure where insurers are liable to pay the policyholders for the damages incurred by or due to their cars. The claim amount and coverage is based on the type of the policy and sum insured of the policy. The National General Insurance provides cashless and reimbursement claim settlement procedures. The insurer offers its customers a hassle-free claim process with 78.52% of claim settlement ratio in FY 2017-18.

    Documents Required for Making A Car Insurance Claim

    • Original driving licence
    • Car’s Registration Certificate (RC)
    • Original bills of repairs (in case of reimbursement)
    • Filled and duly signed claim form
    • Copy of the police complaint (FIR), if applicable.

    In addition to these, the insurance provider can ask to produce additional documents as per the requirement.

    How To Make A Cashless Car Insurance Claim With National General Insurance

    Here are the steps to file a cashless car insurance claim with National General Insurance:

    Step 1: Intimate the insurance provider

    To request a claim, it is required to convey to the customer care team of National General Insurance about the accident of the insured’s car by dialing the toll-free number 1800 200 7710. The company will register your claim and will provide you with a claim registration number.

    Step 2: Inspection of the damaged car

    The National General Insurance will arrange an inspection and send a surveyor to examine the extent of damage incurred by the insured's car. You will be required to submit the required documents sought by the surveyor for inspection.

    Step 3: Submission of report and documents

    According to terms and conditions of the terms and conditions, the surveyor will share a report based on the inspection. The insurer will next verify its liability and notify the insured of the deductibles.

    Step 4: Repair and claim settlement

    After getting the confirmation from the National General Insurance, you can take your car to their network garages for repairs. You just need to pay for your liability amount of deductibles there and the rest will be taken care of by the insurance provider.

    How To Make A Reimbursement Claim With National General Insurance

    If you could not take your car to a car garage registered under the cashless garages of National General Insurance, then you can take it to any garage for repair. In such a case, you will be required to file a reimbursement claim with the insurance company.

    Step 1: Contact the insurance provider

    Connect with the National General Insurance Plan and convey to them about the accident at the toll-free number 1800 200 7710 and request the representative to start the reimbursement claim settlement process. The National General Insurance will reach back to you with a claim reference number and information of the documents required to be submitted and additional steps to be followed.

    Stage 2: Survey of Your Car and Documentation

    The insurance company will send a surveyor to examine your car. After that, you can take your car to a garage of your choice for repair. At this stage, submit the complete claim form as well as any documents required by the surveyor.

    Step 3: Get Your Car Repaired

    After getting a go ahead from the surveyor, get your car towed to the garage of your choice and pay for the repairs.

    Step 4: File for Reimbursement

    Submit the required documents to the insurance company to begin the reimbursement process. After deducting the applicable deductibles and depreciation, the insurer will pay you for the repairs up to the claim amount.

    Common Claim Rejection Reasons

    Here are some of the common reasons due to which a claim can get rejected:

    • Submission of incomplete claim form
    • Accident of insured’s car due to careless or rash driving
    • Accident of insured’s car while using it for some illegal activities
    • Accident of insured’s car due to the influence of alcohol on the driver
    • Wrong or partial information submitted while purchasing the policy
    • Mismatch of details between the claim form and submitted documents
    • If there is a delay in intimating the insurance provider about the accident
    • When the driver is without a valid driving licence and RC during the accident.

    National No Claim Bonus

    In a bid to offer a great car insurance deal, National General Insurance provides a No Claim Bonus (NCB) to its policyholders for making no claim in a policy year.Every policyholder should be aware of the NCB benefit during the plan purchase in order to get the most out of their car insurance plan.If driving safely and raising no claim in a policy year can lower a policyholder's next year’s policy premium, it should be termed as a great offer. The benefit is offered in terms of discount that ranges between 20% to 50% as with every claim-free year the discount rate accumulates.

    This bonus is applicable only on the premium of standalone own-damage car insurance plan or own-damage premium component of a comprehensive car insurance policy, which is offered at the time of policy renewal. Hence, it is crucial to renew your policy timely to hold the NCB benefit. It is a policyholder benefit, not a vehicle benefit, therefore you can retain it by transferring it to your new car or new car insurance policy. The best way to keep this benefit is to either accept minor car damage or get an add-on cover that protects NCB.

    Calculate Your Car Insurance

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    When did you buy your car?
    20062019
    Have you made a claim in the previous year?

    Must Read Articles before buying National Car Insurance

    National Car Insurance User Reviews

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    • Chatbox feature

      I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased...

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      B
      By Bahani Khan
      On: February 25, 2022
    • Learned about claim settlement

      I did not know how the claim settlement works. I visited Insurancedekho and learned everything. Then I made a ...

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      D
      By Debesh Roy
      On: December 21, 2020
    • Best Insurance Company in term...

      My experience has been simply WOW with National insurance. The claim department was really helpful in the sett...

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      E
      By Ekta Gupta
      On: September 10, 2020
    • Timely settlement of claim

      I recently made a claim under my National car insurance policy that I purchased for my Volkswagen Polo car. Th...

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      S
      By Suman Pande
      On: July 10, 2020
    • Easy to make claim

      InsuranceDekho helped me in making a claim last month under my National car insurance policy that I purchased ...

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      J
      By Jai Aneja
      On: July 9, 2020
    • Secured payment gateway at In...

      I purchased a National car insurance policy from InsuranceDekho for my Hyundai Verna car. It was easy to buy p...

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      N
      By Naresh Nangia
      On: July 3, 2020
    • Ease of payment

      I purchased a National car insurance policy for my Honda WRV car at an affordable premium from InsuranceDekho...

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      S
      By Shivani Joshi
      On: July 2, 2020
    • Got policy documents on time

      I purchased a National car insurance policy for my Honda jazz car from InsuranceDekho last month. I appreciate...

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      P
      By Priya Grover
      On: June 26, 2020
    • Many quotes for car insurance

      InsuranceDekho offers a great number for car insurance policies of which I chose National policy for my Maruti...

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      By Karan Talwar
      On: June 25, 2020
    • Excellent customer support

      The support team at InsuranceDekho is highly professional. It has members with experience and qualification wh...

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      A
      By Avinash Dixit
      On: June 3, 2020

    223 National Cashless Garages in India

    National Car Insurance Claim FAQs

    • What is No Claim Bonus (NCB) in a car insurance policy?

      The No-Claim Bonus (NCB) is a specific discount or bonus, which is offered by the insurance provider to reward its customers for not requesting any claim during a policy period. The NCB discount is applicable on the own-damage premium of your policy at the time of renewal.

    • I have a comprehensive car insurance policy with zero depreciation cover. Do I need to pay anything during the claim settlement?

      With zero depreciation coverage, you are exempted from paying the default depreciation applicable on your car and its parts except for tyres, tubes and batteries which are covered for depreciation at 50%. However, you will be required to pay for the compulsory and voluntary deductibles, if opted for.

    • How much bonus can I earn by not making any claim in a policy year or years?

      You can earn the No Claim Bonus (NCB) discount from 20 % to 50 % on the own damage policy premium depending on the number of claim-free years.

    • In what circumstances can I request for a claim under my comprehensive car insurance policy?

      You can request for a claim if any damage is incurred by your car due to a natural or man-made calamity such as:

      • Burglary or theft
      • Riot and strike
      • Terrorist Act
      • Fire, explosion, or lightning
      • Earthquakes, floods, typhoons, hailstorms, etc.
      • Rockslide or landslide incidents
      • Accidental external means and so on.
    • Is lodging an FIR mandatory for requesting a claim in the case of theft?

      Yes, lodging an FIR immediately with police is compulsory. You also need to submit a copy of it to the National General Insurance Company.
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