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Navi Car Insurance FAQs

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    Network Garages1,100+
    Claim Settlement Ratio76.20% in FY20
    Emergency AssistanceAvailable 24/7
    Claim ProcessDigitally Enabled
    Zero DepreciationAvailable
    Third Party CoverAvailable
    Car insurance starting from Rs. 2072/year*
    • Save upto 75%*
      Lowest Car Premiums
    • 11.5 Lakh+
      Happy Customers
    • Claim Support
      7 days a week

    *TP price for less than 1000cc four-wheeler. All savings/offers are provided by the Insurers which are subject to modification. Terms and conditions apply

    Overview

    • What are the car insurance plans offered by Navi General Insurance?

      The Navi General Insurance offers two types of car insurance plans which comprise a third party car insurance policy and a comprehensive car insurance policy.

    • What factors are considered to determine the premium of a car insurance policy?

      The amount of premium which policyholders have to pay for Navi Car Insurance is determined on the basis of the following factors:

      • Age of the car
      • Add-on covers chosen
      • Anti-theft devices in the car
      • Engine Capacity of the car
      • Discount and No Claim Bonus Earned
      • Insured Declared Value of the car.

    • Does the Navi car insurance policy provide a cashless claim settlement facility?

      Yes, with above 900 network garages across the country, Navi General Insurance offers the facility to easily get your car repaired free of cost through the cashless claim settlement facility. Policyholders can locate the nearest network garage or workshop by entering their current exact location on the official website of Navi General Insurance.

    • What all is covered under a Navi Comprehensive Car Insurance Plan?

      Navi Comprehensive Car Insurance Policy provides coverage for damages and losses arising out of road accidents, fire, theft, earthquake, flood, riot. terrorist activity, and so on. However, in order to understand the coverage details, you can look through the policy wording of your car insurance policy.

    • What are the add-on covers provided with the Navi car insurance policy?

      Navi General Insurance provides various add-on covers with its car insurance policy that includes Zero Depreciation cover, New Vehicle for Old Vehicle cover, No Claim Bonus Secure, Consumable Expenses, Engine Protector, Accidental Hospitalisation, Hospital Cash, Roadside Assistance cover, EMI protector, Emergency Transport and Hotel Stay, Key and Lock Replacement, Tyre Replacement, and so on. Policyholders can get these add-on covers by paying a little extra premium amount to enhance their car insurance policy as per your requirement.

    Third Party

    • How can I buy the Navi third party car insurance policy online?

      You can buy a Navi General Insurance third party car insurance policy online by visiting the Insurance Dekho website and entering your car’s registration number with other required details. It will show you different policy quotes to choose and compare from. You just have to pick the Navi third party policy. enter a few basic details and make the payment for the policy. Soon after the payment, the insurance company will send you the policy document to your registered email ID.

    • What documents do I need to buy the Navi Third Party Car Insurance Policy?

      To buy a Navi third party car insurance policy, you should have the given below documents:

      • The Registration Certificate
      • A copy of the valid driving license
      • The registration number of your car
      • Photo ID proof as well as address proof

    • Where do I get more information about Navi third party car insurance?

      You can get more information about Navi third party car insurance from their user-friendly website and by calling them on their toll-free number 1800-123-0004.

    • What are the advantages of purchasing Navi third party car insurance?

      There are several advantages of purchasing Navi third party car insurance policy which are as follow:

      • No paperwork involved
      • Hassle-free claim process
      • The online purchase facility
      • Helpful customer support team.

    • If my car gets damaged due to flood, will I get coverage under Navi third party car insurance?

      No, Navi third party car insurance will not provide any coverage for the damage caused to your car due to natural calamities such as flood, earthquake, storm, etc. This insurance policy is designed to cover the damage incurred by the third party only.

    Comprehensive

    • What coverage is given under Navi Comprehensive Car Insurance Policy?

      With Navi Comprehensive Car Insurance Policy, you can get coverage for the damage or loss sustained by the insured’s car and financial liabilities towards the third parties. However, by paying a little more premium you can get several add-on covers such as personal accident cover for owner-driver, etc.

    • Does Navi Comprehensive Car Insurance Policy provide a discount to policyholders?

      Yes, policyholders can find various types of discounts under Navi Comprehensive Car Insurance Policy which comprise Voluntary Excess Discount, Automobile Association Membership Discount, Anti-Theft Device Discount, Direct Discount, Family Fleet Discount, and Loyalty Discount. In addition to these, policyholders can also earn a No Claim Bonus with every claim-free year.

    • What add-on covers are available under Navi Comprehensive Car Insurance Policy?

      The Navi Comprehensive Car Insurance Policy has got multiple add-on covers that comprise Zero Depreciation Cover, New Vehicle for Old Vehicle, NCB (No Claim Bonus) Secure, Consumable Expenses Cover, Engine Protector Cover, Accidental Hospitalisation Cover, Hospital Cash Cover, Enhanced Owner Personal Accident Cover, Enhanced Pillion Rider Personal Accident Cover, EMI Protector Cover, Outstanding Loan Protector, and Roadside Assistance Cover.

    • How can I avail of roadside assistance add-on cover in case of sudden breakdown of my car?

      In case of a sudden breakdown of your car anywhere anytime, you can directly get in touch with the team of Navi General Insurance to seek road assistance by just calling the toll-free number 1800-123-0004.

    • How can I purchase a Navi General comprehensive car insurance policy?

      You can purchase the Navi General comprehensive car insurance policy by following the ways given below:

      • Through the website of Navi General Insurance
      • By calling at their toll-free number – 1800-123-0004
      • Visiting the nearest branch Navi General Insurance.

    Add On

    • How many add-on covers are offered under Navi car insurance plans?

      Navi car insurance offers 20 car insurance add-on covers, some of which are zero depreciation cover, daily conveyance allowance, roadside assistance, tyre protector, EMI protector, consumable expenses, engine protector, key and lock replacement, outstanding loan protector, NCB secure, new car for old car and so on.

    • Will I have to make additional premium payment to avail add-on covers?

      Yes, to avail car insurance add-on covers, you will be required to pay a little extra premium along with the original premium amount of your car insurance policy.

    • Is it mandatory to include an add-on cover in my car insurance cover?

      No, it is not compulsory to include add-on covers in your car insurance policy and it purely depends on your requirements and budget. These are optional benefits to enhance your policy coverage which you can opt for by paying additional premium.

    • When can I buy the add-on covers of Navi car insurance?

      You can buy the car insurance add-on covers during the time of purchasing the car insurance policy or at the time of the car insurance policy renewal.

    • How many car insurance add-on covers can I opt for in a policy year?

      There is no limit to include car insurance add-on covers that you can opt for during a policy year. It denotes that you can purchase and include as many car insurance add-on covers at a time in your policy as you want.

    Zero Depreciation

    • Which depreciable parts are covered under the Navi Zero Depreciation add-on cover?

      Navi Zero Depreciation add-on cover provides you with coverage for the repair and replacement of car parts such as rubber parts, nylon parts, plastic parts, fiberglass parts and glass parts.

    • Can I get a complete amount of claim with Navi Zero Depreciation Cover?

      No, a Navi Zero Depreciation cover is not meant to ensure getting a complete amount of claim as deductibles are considered during the calculation of claim amount. It compensates only the depreciation charges to ensure you get the maximum claim amount.

    • Can I purchase a Navi Zero Depreciation cover to cover my second-hand car?

      Yes, you can buy a Navi Zero Depreciation add-on cover to cover your second-hand car provided its age should not be more than 5 years. However, insurance companies can send someone to inspect the car for the inclusion of this add-on cover.

    • Will I need to pay an additional premium to buy a Navi zero depreciation cover?

      Yes, the car insurance premium amount will increase when you will opt for Navi Zero Depreciation cover either with a standalone car insurance plan or a comprehensive car insurance plan as you will have to pay for the add-on cover along with the standard car insurance policy.

    • Does Zero Depreciation provide cover outside the city limit?

      The Navi Zero Depreciation add-on cover will compensate for your damage or loss expenses incurred only within the pre-specified geographical zone. The insurance company will not be liable to endure the cost of any damage or loss sustained by the insured car outside the geographical location.

    Claim

    • 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.

    Renewal

    • When should I renew my Navi car insurance plan?

      You must renew your Navi car insurance policy before the due date of its expiry. However, even if you miss to renew it before expiry, the insurance company offers you a grace period to get it renewed within 90 days of the expiry date and save it from getting expired.

    • Can I transfer my NCB from my insurer to Navi car insurance?

      Yes, you are free to transfer your No Claim Bonus (NCB) from your insurance company to the Navi car insurance plan while making its purchase.

    • Can I exclude an add-on cover from my policy during the renewal process?

      Yes, you are allowed to modify your car insurance plan during the renewal process. During the renewal of the plan, you can add or remove any add-on cover from your policy for making the final payment.

    • What factors impact the premium of your car insurance policy at the time of renewal?

      Here are some factors that influence the policy premium at the time of renewal:

      • Age of the car
      • Term of the policy
      • Add-on covers added
      • No Claim Bonus earned
      • Type of the policy opted
      • Modifications made on the car

    • Can I renew my car insurance plan with Navi General Insurance without a policy document?

      Yes, you can easily renew your car insurance plan without a policy document, in case it gets lost. In such a scenario, you are required to initiate the process of renewal by entering your existing car insurance policy number at the renewal section on the website of the insurance company.

    Premium Calculator

    • Why should I use the car insurance premium calculator?

      The premium calculator is an online instrument which computes the premium amount and IDV value provided by several insurance companies in the market. This will help you opt for a better car insurance policy.

    • How can I avail the premium calculator to compute the premium amount?

      You can use the premium calculator to calculate the Insured Declared Value (IDV) and premium amount for your car insurance policy at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

    • What factors impact the premium amount of a bike insurance plan?

      Factors that influence the premium of your car insurance plan are as follow:

      • Age of the Owner
      • Anti-Theft Devices
      • No Claim Bonus (NCB)
      • Engine’s Cubic Capacity
      • Insured Declared Value (IDV)
    • Can a premium calculator calculate the insurance premium for my old car?

      Yes, the premium calculator can compute the amount of premium offered by different insurance companies for old cars, which will help you choose a car insurance plan that offers premium based on your budget and requirements. In short, the premium calculator is capable of helping you get premium amounts for new and old cars.

    • What details should I enter to compute the premium on the premium calculator?

      You will be required to enter some details on the premium calculator such as make, model and variant of your car, fuel type of your car, RTO location of your car, engine capacity of your car, registration year of your car, and so on, to get the cost of premium offered by several insurance companies.

    Calculate Your Car Insurance

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    • Maruti
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    Which city is your car registered in?
    • Ahmedabad
    • Bangalore
    • Chandigarh
    • Chennai
    • Gurgaon
    When did you buy your car?
    20072019
    Have you made a claim in the previous year?

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