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New India Comprehensive Car Insurance Policy

New India

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Highlights
  • Only direct insurer in India to be rated A-(Excellent) by AM BEST Company since 2007
  • Pan India operation with 2452 offices
  • Pioneer in the non-life insurance segment for more than 40 years
  • Round the clock support

New India Comprehensive Car Insurance

A third party liability insurance policy has a very narrow coverage as it insures the policyholder only against third party liabilities. This limitation of the third party cover is met by a comprehensive car insurance plan which provides insurance for the car’s own damage in addition to all third party liabilities. A comprehensive car insurance plan offered by New India Assurance is a great comprehensive plan which comes with an instant and paperless purchase and renewal process.

The New India Assurance comprehensive car insurance policy also offers an option to purchase beneficial add-ons which provide additional coverage against extra premiums. A comprehensive car insurance plan is a great way of getting your car insured.

Comprehensive Car Insurance Policy vs Third Party Car Insurance Policy

Basis

Comprehensive Car Insurance

Third Party Policy

Coverage

New India Comprehensive policy cover own damage of the insured car along with third party liabilities.

New India third-party policy insures the policyholder only against third party liabilities.

Add-ons

Several add-on covers are available with New India comprehensive car insurance to enhance the protection of the vehicle.

No add-on covers are available with the New India third party liability policy

Cost

Comprehensive car insurance policy costs a little more than a third-party policy due to wider coverage.

Third party policy costs comparatively less than a comprehensive policy due to its limited coverage.

New India Comprehensive Car Insurance Coverage

  • New India Comprehensive Car Insurance Policy safeguards and covers own damage of the insured car occurred due to road accidents, natural calamity as well as man-made calamities like floods, road landslide, burglary, theft riots etc.
  • It provides a cover for all third party liabilities. This includes 50-50 compensation by the policyholder and the company in case of partial blindness or loss of a limb. 100% coverage of the compensation expenses is granted by the company in case of death/complete blindness or loss of both limbs of a third party.
  • It offers an optional personal accident insurance for the policyholder up to Rs. 15 lakh.
  • It provides compensation for third party property damage up to Rs.7.5 lakh.

New India Comprehensive Car Insurance Benefits

  • Get compensation for the damages sustained by the insured vehicle in a road mishap or from atural or man-made calamities.
  • No Claim Bonus (NCB) discounts are provided to the policyholder as a reward when not a single claim is filed during an insurance tenure. This discount accumulates over years up to a maximum of five years.
  • Policyholders can enjoy additional benefits by purchasing the add-on covers alongside the standard policy by paying an extra premium.
  • New India comprehensive policy bears towing charges of the car after an accident up to Rs.1500.
  • Easy, quick and convenient issuance and renewal of policies.

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New India Comprehensive Car Insurance FAQs

  • What is No Claim Bonus (NCB)?

    NCB is a discount offered to a policyholder when no claim is filed during the tenure of the policy. Moreover, the discount accumulates over the years (up to 5 years) for every claim-free year.
  • What is Underwriting?

    It is an assessment of material facts and the risks to decide whether to accept an insurance contract and also the rate of premium.
  • How does comprehensive plan differ from a third-party liability policy?

    A comprehensive policy offers much more than basic third-party liability coverage. Besides covering third-party liability, it also covers the vehicle against for its own damages incurred in an accident or any other mishap.
  • What is excluded from New India comprehensive car insurance policy?

    The following are not covered under the New India comprehensive car insurance policy: Wear and tear of the car (depreciation) Electrical/Mechanical breakdown Damages caused to tyre/tube/engine Accidents occurred while driving without driving license Accidents occurred under the influence of intoxicants like liquor or drugs.
  • Can I transfer my car insurance policy?

    Yes, you can transfer your car insurance policy to a new owner after filing a written request to the company following a process called ‘policy endorsement’. There is a nominal fee is applicable in case of transfer of vehicle.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.