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Have you made a insurance claim in the previous year?


  • Why should I switch my car insurance policy to NIC?

    National Insurance is a top brand to begin with. You can avail several benefits when you have opted for NIC as your preferred motor insurance partner. Here’s a few:

    • Buying or renewing policy online is a quick and seamless experience
    • Settling claims is easier done than thought. It’s quick and hassle-free
    • Avail 24*7 assistance
    • Diverse list of add-ons to choose from
    • National Insurance offer discounts other than zero depreciation

  • How do I purchase a NIC car insurance policy?

    Gone are the days when you had to drop by a branch and make payments for your insurance premium. Give us a call on 7551196989. You can compare from multiple options and make payment online via credit card, debit card or net banking

  • Settling claims with National Insurance – Is it easy?

    Yes, it is! To request for a claim, you must begin by informing the insurance company. A surveyor is appointed, followed by a thorough survey of the insured vehicle. Repairs and replacements are done, and your claim is settled. In case of non-cashless, the agreed claim amount is reimbursed soon after the repairs are completed

  • Do I need to have a motor insurance policy from National Insurance?

    It is mandatory to insure your vehicle with a liability only policy at-least. Buying motor insurance from NIC benefits you in n number of ways. You can avail the advantage of 24*7 assistance, hassle-free claim settlement, convenient and seamless shopping experience and others

  • How to make changes to an existing car insurance policy from National Insurance?

    Making changes to an existing policy is not as hard as it sounds. It is important to maintain communication with the insurance company. Alteration of a name, modifications in a car, change of communication address, phone number and so on so forth is done by the insurer. The process is known as endorsement

  • I have recently purchased a used car. Can I still get my insurance from National Insurance?

    Yes, you can! National Insurance offer insurance plans for all types of vehicles

  • I am eager to buy a Personal Accident Cover for my policy online. Will NIC provide it?

    IRDA has mandated customers to have Personal Accident Cover in their motor insurance policies. Give us a call at 7551196989 and we will help you to buy a personal accident cover along-with your policy online

  • What other discount offers can I avail when renewing my policy with National Insurance?

    The company rewards you with added discount if:

    • Car Registration Number
    • You are a member of The Automobile Association
    • You have secured your car by installing approved anti-theft devices
    • Opted for higher voluntary deductibles although this will result in you paying a fixed amount in case of any claim

Zero Depreciation

  • I have a comprehensive car insurance policy along with zero depreciation add-on cover. Will it cover electrical/mechanical breakdown?

    No, the zero depreciation add-on cover does not offer protection against electrical/mechanical breakdown. For that, you would need to buy the Engine Cover add-on.

  • How much can I save with the zero depreciation add-on cover?

    You can save a hefty amount with the zero depreciation add-on cover. For example, the depreciation of fibre glass parts is 30%. This means you can do away with the liability of bearing this 30% expense.

  • I have a CNG kit installed in my car, will it be covered under my zero depreciation cover?

    No, depreciation of any bi-fuel kit is not covered under the zero depreciation insurance policy.

Third Party

  • Can I buy a car insurance policy from National Insurance online?

    Yes, you can buy the National Third Party Car Insurance online from the company’s website or via our platform InsuranceDekho which enables you to compare policies offered by all leading insurance companies in India.

  • What are the exclusions under the third-party car insurance policy?

    A third party car insurance does not provide coverage for the following: Damages incurred by the insured vehicle in an accident/natural calamity or any other mishap. Bodily injuries of the policyholder Death of the policyholder in case of no purchase of a personal accident cover.

  • Which is more beneficial – comprehensive or third-party insurance?

    Though having a third-party cover ensures necessary security at reasonable premium rates, opting for a comprehensive car ensures a complete and all-around coverage of your car against any kind of possible damage along with loss due to theft of the car.


  • What do I need to do with the ‘Code text box’ after filling the policy number?

    The characters are meant for verification. Just type the alphanumeric characters displayed there and hit ‘Renew Policy’ to proceed with payment. The payment can be done using a debit/credit card or via Net Banking.

  • I have Liability Only policy, it is compulsory to renew that every time?

    Since it is compulsory for every vehicle owner to have insurance for their vehicle and the most basic insurance coverage is against third-party liabilities, it becomes mandatory by law to keep that policy active. Expiration of policy is finalized after a period of 90 days given for renewal of the same.

  • Will I get claim if the accident offered after expiration of my car insurance policy?

    No, National Insurance will not be liable to sanction any claim if your policy has expired before the occurrence of an accident. Hence it is advisable to renew your policy on time to avoid such uncertainties.


  • Can I opt for a 3 year comprehensive car policy under the National General Insurance Company?

    Yes, you can choose for a 3 year comprehensive car policy only if your car is purchased on or after 1-9-2018.

  • When can I avail the No-Claim Bonus under National Comprehensive Car Insurance?

    Under the National Comprehensive Car Insurance, if you successfully manage to maintain a claim-free driving year, then you can avail this No-Claim Bonus benefit at the time of policy renewal.

  • What are the add-on covers that I can include in my comprehensive policy?

    You can include the following add-ons in your comprehensive car policy by paying extra premium:

    • Zero Depreciation Cover
    • Invoice Protection Cover
    • NCB Protection Cover
    • Engine Protection Cover etc.

  • What are the payment modes available at Insurance Dekho with which I can pay my premium?

    You can pay your premium through debit card, credit card, and net banking at Insurance Dekho. The availability of UPI and Wallet payment methods vary from insurer to insurer.

  • What are the compulsory deductibles which I will have to bear for every requested claim?

    The amount of the deductible is dependent on the cubic capacity of the car in the following manner:

    • Rs 1,000 for cars up to 1500 cc
    • Rs 2,000 for cars more than 1500 cc.


  • 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.

Must Read Articles before buying National Car Insurance

National Car Insurance User Reviews

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