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Navi Car Insurance Claim

109 reviews Rate This
    Network Garages1,100+
    Claim Settlement Ratio76.20% in FY20
    Emergency AssistanceAvailable 24/7
    Claim ProcessDigitally Enabled
    Zero DepreciationAvailable
    Third Party CoverAvailable

    Navi Car Insurance Claim

    Navi General Insurance has marked its presence in the market with its swift and seamless claim settlement process. The insurance company holds a user-friendly website that comprises an active chat-box option and various customer care numbers to provide support to its policyholders during the time of claim settlement. With such traits, the company managed to secure an impressive claim settlement ratio of 76.20% for the financial year 2019-20. Navi General Insurance provides a flawless cashless claim settlement process through its 1,100+ network garages.

    How to Make Navi General Insurance Cashless Car Insurance Claim?

    Navi General Insurance has an easy and flawless process for car insurance claim settlement. The policyholders can raise a cashless claim request by following the steps given below:

    Step 1: Contact Navi General Insurance

    You must inform the insurance company about the accident, theft, or any other type of damage incurred to the car within 24 hours of its occurrence. You can contact Navi General Insurance by calling their toll free number 1800 123 0004 or by sending them a mail at mycare@navi.com or through their mobile application or by visiting their nearest branch. It is also advised to click pictures of the accidental damages and find witnesses for evidence.

    Step 2: Register an Insurance Claim

    The customer care team of the insurance company will connect with you after you have intimated the company about the claim. You will have to submit the car insurance policy number and the required documents and details about the accident or mishap. After this, the customer care executive will provide you with a claim registration number which you should save for further use.

    Step 3: Survey of Damage and Loss

    The insurance company will send a surveyor to analyse the level of the damages sustained by the car due to the accident. You will have to submit the duly filled claim form, policy documents and evidence to the surveyor with which he will estimate the repair cost. Based on the assessment, the surveyor will send a report to the insurance company for claim settlement.

    Step 4: Car Insurance Claim Settlement

    After taking all the assessment into the account, the insurance company initiates the process of claim settlement approval. The claim amount will be calculated taking deductibles and depreciation value into consideration. Providing all the required details and documents are provided, the insurance company will pay for the cost of repair of the insured’s car directly to the garage.

    How to Make Navi General Insurance Reimbursement Car Insurance Claim?

    Navi General Insurance allows you to make car insurance claim settlements with reimbursement methods. The policyholders can raise a claim request for reimbursement by following the below-given steps:

    Step 1: Contact Navi General Insurance

    You should convey your insurance company immediately about the event of theft, collision, etc, sustained by your car. You can inform your insurer about the reimbursement claim by calling the toll-free number 1800 123 0004 or by sending them an email at mycare@navi.com or through the mobile application or by making a visit to the insurance company’s nearest branch.

    Step 2: Register an Insurance Claim

    The customer support executive of your insurance company will contact you after you have registered the claim. You will have to share your policy number, documents, and details about the collision or related incident. The customer care executive will explain to you about the claim settlement process and provide you a claim registration number that you should keep with you for further use.

    Step 3: Survey of the Damages and Loss

    Once you have registered the claim, a surveyor will be appointed and sent by your insurance company at the accident or mishap spot to inspect the damages sustained by the insured car. After the analysis of the extent of damage, you can take your car to any garage of your choice for repair.

    Step 4: Reimbursement of Claim

    After your car gets repaired at the garage, you will need to collect original bills and repair receipts from the garage and submit it to your insurance company. Also, you will have to produce policy documents and other related documents to proceed with the reimbursement claim request. The insurance company will verify all the details and documents. When the insurer finds everything fine, it will disburse the claim amount to you after considering the depreciation and deductibles.

    Documents Required for Navi Car Insurance Claim

    Here are the documents that are required for the settlement of the car insurance claim:

    • Car Insurance Policy
    • Repair invoice for cashless claims
    • Registration Certificate (RC) Copy
    • Rightly filled and signed claim form
    • Driving license of the person driving during the accident
    • Original repair invoice and payment receipt for reimbursement.

    Common Navi Car Insurance Claim Rejection Reasons

    There are some parameters on which Navi General Insurance approves the claim requests of policyholders. The insurance company can reject your insurance claim requests due to the below-given reasons:

    • Due to an act of negligence
    • Misinterpretation of details
    • Raise a fraud insurance claim
    • Inadequate data and facts submitted
    • Late intimation to the insurer about the mishap
    • Driving under the influence of alcohol or drugs.

    Navi Car Insurance No Claim Bonus

    Navi car insurance plan comes with a benefit known as No Claim Bonus (NCB). The NCB is offered to policyholders for not raising any claim in a policy year. This benefit is applicable to own-damage insurance plans and own-damage components of comprehensive plans only. Own-damage insurance covers provide compensation for a wide range of situations where your car gets damaged or lost. This bonus is offered to policyholders for every claim-free year which reduces their premium for the next financial year. The NCB is cumulative in nature and accumulates with every successive claim-free year, but it can rise a maximum of up to five claim-free years in a row. If a policyholder raises a claim, the benefit will be terminated right away. Therefore, to avoid losing out the NCB benefit, policyholders are recommended to bear minor claims on their own and make a claim only when the loss or damage is significant.

    Timely renewal of car insurance plans also plays a vital role in keeping the No Claim Bonus benefit active. Failing to renew the plan on time will make it null and void. To avoid such losses, policyholders can avail of the grace period that allows them to renew their car insurance plan within 90 days of the expiry date of their plan. But, after the grace period, the car insurance policy and NCB benefit, will be cancelled. In a situation, where the policyholder is switching the insurance company or selling his or her car to buy a new one, the NCB can be kept by the insured person by getting it transferred to a new policy or car as it is awarded to the policyholder for safe and responsible driving and not to the car.

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    Navi Car Insurance Claim FAQs

    • Where can I find the claim form for Navi car insurance policy?

      You can easily download the claim form for the Navi car insurance plan from the insurance company’s website. Also, you can find the claim form by visiting the nearest branch of the insurance company where you can get the hard copy of it.

    • What is the claim settlement ratio of Navi General Insurance?

      The claim settlement ratio of Navi General Insurance is 76.20% for the financial year 2019-20.

    • How many garages are available in the network of Navi General Insurance?

      There are more than 1,100 garages available in the network of Navi General Insurance where policyholders can avail themselves cashless car insurance facility.

    • How can I search for the cashless garages available near me?

      You can easily find the garages of Navi General Insurance by visiting its official website and selecting the garage tab. Once you open the garage section, you will have to choose the state and city after which the garage location will appear before you.

    • Should I submit an FIR copy at the time of requesting a claim?

      Yes, you will have to submit a copy of an FIR in case of accidental bodily injuries and car theft to raise a claim for your insurance.

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