New India Car Insurance

About New India Car Insurance

New India Assurance is a renowned name in the Indian insurance industry, having a rich legacy of over a century. Established in 1919, the company has been catering to the diverse insurance needs of individuals and businesses across the country.

The New India Car Insurance policy offers a host of benefits to its customers, making it an attractive option for car owners. The policy covers third-party liabilities, ensuring that customers are protected against any legal liabilities arising from accidents involving their cars.

The premiums for the New India Car Insurance policy are affordable, making it an accessible option for car owners across the country. The policy can be purchased online, making the process quick and hassle-free.

Customers can also avail of 24x7 customer support services offered by the company, ensuring that all their queries and concerns are addressed promptly.

Key Features and benefits of New India Car Insurance Online

The New India Car Insurance policy is a comprehensive insurance product that offers a wide range of benefits to car owners in India. Here are some of the key features and benefits of the policy:

• Comprehensive coverage: The policy provides comprehensive coverage to car owners, protecting them against financial losses arising from unexpected events like accidents, theft, fire, and natural calamities.
• Third-party liability cover: The policy covers third-party liabilities, ensuring that customers are protected against any legal liabilities arising from accidents involving their cars.
• Add-on covers: Customers can opt for add-on covers like zero depreciation cover, engine protection cover, and roadside assistance to enhance the coverage offered by the policy.
• Affordable premiums: The premiums for the New India Car Insurance policy are affordable, making it an accessible option for car owners across the country.
• Online purchase: The policy can be purchased online, making the process quick and hassle-free. Customers can easily compare different plans, choose the one that suits their needs and buy the policy in a matter of minutes.
• Quick and easy documentation: The documentation process for the New India Car Insurance policy is quick and hassle-free. Customers can submit their documents online and get their policy issued within a few hours.
• 24x7 customer support: The company offers 24x7 customer support services to its customers, ensuring that all their queries and concerns are addressed promptly.

New India Car Insurance Add-Ons

New India Car Insurance policy provides comprehensive coverage to car owners in India. The policy offers a wide range of add-on covers to enhance the coverage offered by the policy. Here are some of the add-ons available with the New India Car Insurance policy:

• Zero Depreciation Cover: This add-on cover ensures that customers receive full claim settlement without any depreciation deduction. This is particularly useful for new cars, where the cost of repairing/replacing parts can be high.
• Roadside Assistance Cover: This add-on cover assists customers in case their car breaks down on the road. The services provided under this coverage may include towing, fuel delivery, battery jump-start, and tire replacement.
• Engine Protect Cover: This add-on cover provides coverage for damages to the car engine due to events like waterlogging, leakage of lubricating oil, and hydrostatic lock. This cover is particularly useful for cars that are frequently used in flood-prone areas.
• Personal Accident Cover: This add-on cover provides coverage to the car owner/driver in case of accidental death or disability. The cover amount may vary depending on the age and occupation of the insured.
• Consumables Cover: This add-on cover provides coverage for the cost of consumables like engine oil, brake oil, and coolant that need to be replaced during the repair of the car after an accident.
• Key Replacement Cover: This add-on cover provides coverage for the cost of replacing lost or damaged car keys. The cover amount may vary depending on the make and model of the car.
• NCB Protect Cover: This add-on cover protects the No Claim Bonus (NCB) of the insured in case of a claim. This means that even if the insured claims the policy, their NCB remains intact.

You can choose the add-ons that suit your needs and enhance the coverage offered by the policy. It is always recommended that you carefully read the terms and conditions of the policy and the add-ons before purchasing.

New India Car Insurance Claim

Filing a claim can be a complex process, which is why it is important to be aware of the procedure and the documents required beforehand.

The following are the different scenarios when a claim request can be raised:

• Accidents: If the car has been involved in an accident, the car owner can file a claim request with the insurance company to get the necessary financial support to repair the damage caused to the car.
• Theft: If the car has been stolen, the car owner can file a claim request with the insurance company to get the necessary financial support to compensate for the loss of the car.
• Natural calamities: If the car has been damaged due to natural calamities like floods, earthquakes, or storms, the car owner can file a claim request with the insurance company to get the necessary financial support to repair the damage caused to the car.
• Third-party liability: If the car owner is involved in an accident that causes damage to a third party, the third party can file a claim request with the insurance company of the car owner to get the necessary financial support to repair the damage caused.

Filing a claim is an essential part of the car insurance process. It is important to know how to file a claim and the documents required to do so to ensure a hassle-free process.

How to file a car insurance reimbursement claim?

To file a car insurance reimbursement claim, customers can follow the below steps:

• Inform the insurance company about the damage caused to the car and file an FIR with the local police station if necessary.
• Collect all the relevant documents, such as the car insurance policy document, claim form, and bills/receipts of expenses incurred.
• Visit the website or mobile app of the insurance company to initiate the claim request.
• Fill in the necessary details and upload the relevant documents.
• Submit the claim request.
• Once the claim request is received by the insurance company, an authorized surveyor will be appointed to assess the damage and estimate the cost of repairs.
• The insurance company will then process the claim request and reimburse the insured for the expenses incurred, subject to the terms and conditions of the policy.

You can also file a reimbursement claim by visiting the nearest branch office of the insurance company or by contacting their customer service helpline.

Documents required for cashless and reimbursement claims

Here are the documents required for a cashless claim:

• Car insurance policy document

• Valid driving license

• Copy of the car registration certificate

• Cashless request form

Here are the documents required for a reimbursement claim:

• Car insurance policy document

• Valid driving license

• Copy of the car registration certificate

• Claim form

• Bills/receipts of expenses incurred

• FIR (in case of theft or an accident)

New India Car Insurance Claim Rejection Reasons

There are various reasons why a car insurance claim can be rejected by the insurance company, including:

• Driving under the influence of alcohol or drugs at the time of the accident.
• Non-disclosure of important information or providing false information during the claim process.
• Damage caused due to illegal activities or actions.
• Damage caused due to regular wear and tear of the car.
• Non-compliance with the terms and conditions of the policy, such as driving without a valid license.

New India No Claim Bonus

New India Assurance offers a No Claim Bonus (NCB) to its customers as a reward for not making any claims during the policy period.

• The NCB can be availed at the time of policy renewal and applies to both third-party and comprehensive policies.

• The NCB percentage can range from 20% to 50% depending on the number of claim-free years.

• If the policyholder does not make any claims during the policy term, the NCB discount increases every year.

• However, in case of a claim, the NCB will be reduced in the subsequent policy period.

• The NCB can be transferred to a new vehicle or policyholder in case of vehicle sale or change of ownership.

New India Car Insurance Premium Calculator

A car insurance premium calculator is an online tool that helps customers calculate the premium for their car insurance policy based on their specific requirements.

It takes into account various factors such as the make and model of the car, the age of the car, the location of the insured, the type of policy, and the add-ons selected, among others.

Using a car insurance premium calculator is a simple process that involves the following steps:

• Visit the website of the insurance company and navigate to the car insurance section.
• Look for the premium calculator option and click on it.
• Enter the details of the car such as the make and model, age, and registration number.
• Enter the policy details such as the type of policy and add-ons selected.
• Enter the personal details of the insured such as age and location.
• Submit the details to get an estimate of the premium for the car insurance policy.

By using the calculator, you can select a policy that meets your requirements and budget, thereby ensuring peace of mind and financial security while on the road.

Benefits of Car Insurance Premium Calculator

Here are the benefits of using a car insurance premium calculator:

• Accuracy: A car insurance premium calculator provides an accurate estimate of the premium for a car insurance policy based on the details entered.
• Time-saving: Using a car insurance premium calculator saves time as it eliminates the need to manually calculate the premium or contact the insurance company for a quote.
• Comparison: You can use the premium calculator to compare the premium for different policies and add-ons offered by the insurance company, thereby helping them make an informed decision.
• Cost-effective: You can use the premium calculator to select a policy and add-ons that meet their requirements and budget, thereby helping them save on the premium amount.

New India Contact Details

The website for New India Assurance is a comprehensive platform for customers to purchase car insurance policies, renew their policies, and make claims. It also provides detailed information about the various policies offered by the company, the add-ons available, and the terms and conditions of the policies.

The customer care executives are available 24x7 to assist customers with their queries and concerns related to policy purchases, renewal, and claims.

The website for New India Assurance is www.newindia.co.in. The customer care number for car insurance-related queries is 1800-209-1415

New India Car Insurance Policy Document

The car insurance policy document is a crucial document that contains all the terms and conditions of the car insurance policy purchased by the customer. It serves as proof of insurance coverage and contains all the details of the policy purchased by the customer.

The policy document captures important details such as the policy number, the insured vehicle's details, the name of the insured person, the coverage amount, the premium amount, and the policy period. It also contains information about the add-ons purchased by the customer and their coverage.

In case of any discrepancies or errors in the policy document, the customer must inform the insurance company immediately to avoid any issues during the claim settlement process. The policy document must also be kept in a safe and easily accessible place to avoid any loss or damage.

How to Download New India Car Insurance Policy Online Using Policy Number?

Here are the steps to download the New India car insurance policy online using the policy number:

• Visit the New India Assurance website and click on the 'Customer Portal' option.
• Login to the portal using the registered email ID and password. If you are a new user, register yourself by providing the necessary details.
• Once you have logged in, click on the 'Policy Details' option and enter the policy number of your car insurance policy.
• Verify the details of your policy and click on the 'Download' option to download the policy document.
• Save the policy document in a secure location on your device or take a printout for future reference.

It is important to note that the policy document may take some time to get generated, and it is advisable to cross-check the details of the policy before downloading it.

In case of any discrepancies, you can contact the customer care team of New India Assurance to get it rectified.

How to Get a Hard Copy of New India Car Insurance Policy

To request a hard copy or physical copy of the New India Car Insurance policy, you can follow these simple steps:

• Contact the customer care team of New India Assurance and provide your policy details.
• Request them to send a hard copy of your policy document to your registered address.
• Verify and confirm the details of your address to ensure that the hard copy is sent to the correct location.
• If there are any discrepancies in your address, provide the correct details to avoid any issues in the delivery of the hard copy.

• The customer care team will process your request and dispatch the hard copy of your policy document to your registered address.

How Can I Make Changes In My New India Car Insurance Policy Document?

If you wish to make changes to your New India Car Insurance policy document, you can do so by following these steps:

• Contact the customer care team of New India Assurance and inform them about the changes you wish to make to your policy document.
• Provide the necessary documents to support the changes requested.
• Once the customer care team has verified the details and documents, they will make the necessary changes to your policy document.
• Verify the changes made in your policy document and ensure that the details are accurate.
• If there are any discrepancies or errors in the policy document, inform the customer care team immediately.

You can make changes to your policy document such as updating personal details, adding or removing add-ons, changing the policy tenure or type, and modifying the sum insured.

It is important to ensure that the changes are made before the renewal date of your policy to avoid any issues in the future.

New India Car Insurance Renewal

The New India Car Insurance policy can be renewed annually, and it is recommended to renew the policy before the expiry date to avoid any lapse in coverage.

Renewing your policy with New India Assurance comes with several benefits, including the following:

• Continuity of coverage: Renewing your policy ensures that you continue to be covered without any gaps in insurance coverage.
• No-Claim Bonus (NCB): If you have not raised any claims during the policy period, you can avail of the NCB discount on the premium during the renewal of your policy.
• Add-ons: During the renewal process, you can add or remove any add-ons to your policy as per your requirement.

To renew your New India Car Insurance policy, you can follow these simple steps:

• Visit the official website of New India Assurance and go to the car insurance renewal section.
• Enter your policy details, including policy number, expiry date, and other necessary information.
• Verify the details and select the add-ons, if required.
• Pay the premium amount through the available payment options.
• On successful payment, your policy will be renewed, and the updated policy document will be sent to your registered email address.

It is essential to renew your policy on time to ensure uninterrupted coverage for your car.

New India Third-Party Car Insurance

Third-party car insurance is a type of insurance policy that provides coverage to the insured against any legal liability arising out of damages or injuries caused to a third party due to an accident involving the insured vehicle.

In India, all car owners must have a third-party insurance policy under the Motor Vehicles Act, of 1988. This is because third-party car insurance helps protect the interests of the public who may suffer losses or damage due to the actions of a car owner.

Without third-party insurance, car owners would be personally liable for any damage or injury caused to third parties, which can result in hefty financial burdens and legal consequences.

New India Third-Party Car Insurance Coverage

Third-party car insurance covers the insured's legal liabilities towards third parties in the event of an accident involving the insured vehicle. The policy provides coverage for the following:

• Third-party property damage: This covers the damage caused by the insured vehicle to any third-party property, including other vehicles, buildings, or any other physical property. The policy will cover the cost of repairs or replacement of the damaged property.
• Third-party bodily injury or death: This covers the medical expenses, compensation, and legal costs incurred by the insured for any bodily injury or death caused to a third party due to an accident involving the insured vehicle. In case of death, the policy will cover the compensation paid to the legal heirs of the deceased.
• Legal expenses: Third-party car insurance also covers legal expenses incurred by the insured for defending themselves in court against any legal claim filed by a third party in connection with the accident.

It is important to note that third-party car insurance does not cover damages or losses suffered by the insured vehicle or the insured person in case of an accident. For this, a comprehensive car insurance policy is required.