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National Comprehensive Car Insurance Policy

Driving a four-wheeler in India requires to have at least a third-party or liability-only cover. It protects the owner/driver from any third-party liabilities, like bodily injury or property damage. 

However, since the cover provides limited protection, having it is not always the best course of action. For expanding coverage, it is extremely crucial to have comprehensive car insurance, like National Comprehensive Car Insurance (also known as Private Car-Package Policy), that offers protection for the policyholder’s own damages along with third-party coverage. 

The Comprehensive Car Insurance from National General is a perfect amalgamation of own damage and third-party liability cover. The insurance may have a larger premium amount than other car insurance, but it will offer the owner adequate coverage. The key selling points of National Comprehensive Car Insurance are the add-ons. Customers who purchase add-on insurance can take advantage of 0% depreciation, engine protection, invoice protection, and NCB protection, among other benefits. They have to pay an additional premium payment to purchase these add-ons.

Features & Benefits Of National Comprehensive Car Insurance

Let’s take a quick look at some of the key highlights of the insurance:

Add-On Cover Benefits:

One can choose any of the following add-on covers to enhance the coverage of the insurance:

  • Pick and Drop 
  • Fuel Flip Flop 
  • Daily Allowance 
  • RSA (Roadside Assistance)
  • Consumables Protect 
  • EMI Protect 
  • Engine Protect 
  • Invoice Protect 
  • Lock & Key Protect 
  • Loss of Driving Licence and Vehicular Documents 
  • Loss of Personal Belongings 
  • NCB Protect 
  • Nil DEP (Depreciation) Cover
  • Nil DEP Plus Cover

Special Benefits For New Cars:

For new cars purchased on or after 1st September 2018, the National Comprehensive Car Insurance offers 1 year of own damage cover and 3 years of liability cover.

Third-Party Coverage:

For private cars, the Comprehensive Car Insurance by National General Insurance would offer compensation if the covered vehicle causes third-party property damage. Additionally, the insurance will pay for whatever the court determines to be the car owner’s liability to a third party as a result of unintentional deaths or injuries brought on by the owner’s vehicle.

Coverage For Wide Range Of Accidents:

The insurance offers coverage for a wide range of accidental damages or losses to the car that occurred due to the following reasons:

  • Fire, explosion, self-ignition or lightning
  • Riot and strike
  • Burglary, theft, or housebreaking
  • Malicious act
  • Terrorist act
  • Earthquakes, floods, storms, tempests, landslides, cyclones, etc.
  • Accidental damages due to external means
  • Whilst in transit by road, inland waterway, lift, elevator, or air

NCB Discounts:

When renewing the insurance, no-claim reductions on the own damage premium are possible. These savings range from 20% to 50%, depending on the number of years in a row without filing a claim.

Exclusions Under National Comprehensive Car Insurance

The following conditions and expenses are not covered under the insurance:

  • Normal wear and tear
  • Mechanical and electrical breakdowns
  • Consequential loss
  • Loss or damage when driving with an invalid driving license
  • Loss or damage when driving under the influence of alcohol, drugs, and other intoxicating substances
  • Loss or damage due to war, civil war, mutiny, etc.
  • Contractual liability
  • Use of a vehicle outside of the “limitations as to use” (such as using a private vehicle as a taxi)

How To Purchase National Comprehensive Car Insurance?

To purchase the Comprehensive Car Insurance from National General, follow the listed below steps:

  1. Go to the homepage of National General Insurance.
  1. Click on “Motor” under the “Products” section and then press “Get Quote/Buy Policy”.
  1. Click on “Private Car” on the list on the next page.
  1. Enter all the required information on the next page, such as vehicle type, model, registration number, and mobile number, and select add-ons if you wish to have one. After this, press “Quick Quote”.
  1. Make the payment online through any of the preferable methods. Once you are done with payment, you can download the insurance copy and receipt for further convenience.

Claim Process Of National Comprehensive Car Insurance

The National Comprehensive Car Insurance has a simple claim procedure. One must do the following if they wish to file an insurance claim:

  1. Notify the insurance provider as quickly as possible after the damage.
  1. In the event of an accident or third-party obligations, an FIR must be filed at the neighborhood police station.
  1. Pick up a claim form at the office or download one from the National Insurance General’s website. Complete the claim form accurately.
  1. Send the claim form and the necessary paperwork to the insurance provider. A copy of the registration certificate, a driver’s license, etc. may be among these documents.
  1. Give the insurance provider’s investigator complete cooperation.
  1. The claim will be settled once it has been approved.

How To Renew National Comprehensive Car Insurance?

For renewing National Comprehensive Car Insurance, follow the below-mentioned steps:

  1. Visit the homepage of National General Insurance.
  1. Press “Motor” under the “Products” section and then press “Renew Policy”.
  1. Now enter the existing policy number, captcha answer, and then press “Renew Policy”.
  1. The insurance details will be displayed on the screen. You can modify your insurance at this time, such as you can select add-ons as per your requirement. After modification, check the recalculated premium amount and make payment online.
  1. Once the payment is done, the insurance will be renewed successfully.

Frequently Asked Questions

Yes, in order to claim the insurance, a valid driver’s license is required.

Yes, they can do so. Customers can gather information by visiting the office about the same.

Yes. There are compulsory deductibles under the insurance. The amount that the insured must pay for each and every claim is as follows:

  • For private cars up to 1500cc: Rs. 1000/-
  • For private cars more than 1500 cc: 2000/-

Yes. The coverage also covers towing fees up to a maximum of Rs. 1500 for cars from the scene of the accident to the workshop. It is also possible to choose greater towing fees with the payment of an additional premium.

To find the answer to this question, let’s take a look at the below table!

No Of Claim Free YearsNCB Allowed
00
120
225
335
445
5 Or More50

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