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New India Comprehensive Car Insurance

Though having third-party car insurance is mandatory, it is still wise to consider the importance of comprehensive car insurance. Remember that when you purchase a car, it becomes one of the valuable assets of a person, it becomes the responsibility of the owner to keep it covered from any unforeseen, unwanted expenses coming out of an accident.

The New India Comprehensive Car Insurance (also known as Private Car Insurance- Package Policy) provides all-around protection by covering both third-party liabilities and own damages of a car. It offers much-needed financial support to customers if the insured vehicle accidentally causes third-party losses or injuries or sustains damage in an unplanned incident. Thus, getting comprehensive car insurance from New India Assurance is a great way to guard your vehicle against unintentional damage. Additionally, New India comprehensive car insurance provides several add-on covers that can significantly boost your existing coverage, thereby making your vehicle protected against multiple damages and calamities.

Continue reading on to learn more about the Comprehensive Motor Insurance from New India Assurance in detail!

What Features and Benefits Set Apart New India Comprehensive Car Insurance?

Though multiple add-on covers come with Comprehensive Car Insurance from New India Assurance, listed below are some of them. Let’s discuss the key features and benefits in detail!

Extensive Coverage:

It offers the car owner extensive protection because both their damages and third-party liabilities resulting from the insured car are covered. Furthermore, it provides the car’s owner-driver with personal accident insurance.

Third-Party Damage Coverage:

The New India comprehensive car insurance offers coverage of up to INR 7.5 lakh for third-party property damage.

Round-The-Clock Assistance:

Through the insurer’s website and toll-free phone number, customers have access to round-the-clock customer service.

Engine Protect Cover:

Repairing engine or gearbox components that might be harmed by water infiltration or lubricating oil leakage is expensive. With the aid of this add-on coverage, you continue to be protected and are covered if any damage to those parts results in a claim.

Loss of Belongings:

With this add-on, you are protected against the cost of loss or damage to personal property kept in the insured vehicle during a theft, burglary, accident, or any other peril.

Additional Towing Charges:

The New India Comprehensive car insurance provides towing charges of Rs. 1500 only, ensuring a hassle-free towing experience without breaking the bank.

Road Tax Cover:

In the unfortunate event of a Constructive Total Loss (damage beyond repair as a result of a significant accident) or Total Loss (theft), the customer is covered with the Road Tax costs associated with a replacement of the insured car.

Return To Invoice:

Customers with this add-on cover will be compensated for the loss of the insured vehicle with a sum assured of the invoice price, including Road Tax and Registration fees, in the event of a Total Loss or Constructive Total Loss. These fees will be the difference between the insured depreciation value (IDV) and the ex-showroom price of the insured car’s same make and model.

What are the Exclusions Under the New India Comprehensive Car Insurance?

Though there are many exclusions, we have listed some of the things not covered under the Comprehensive Car Insurance from New India Assurance.

  • The New India Comprehensive Car Insurance does not offer coverage if the damages resulted from operating the vehicle while intoxicated or high.
  • If the driver is found to be operating a vehicle without a valid driver’s licence, the insurance will not pay for any resulting legal or financial losses.
  • The New India comprehensive car insurance does not provide coverage for damages incurred when a privately insured car is used for business purposes.
  • New India comprehensive car insurance does not cover subsequent losses.
  • New India will not pay for damages if the car is harmed as a result of being attacked during a war or mutiny.
  • Any tyre damage that the insured car sustains is not covered by the New India comprehensive car insurance.
  • The customer will also not be covered if the damages result from operating the vehicle while under the influence of alcohol or drugs.
  • If the driver is found to be operating a vehicle without a valid driver’s licence, neither financial nor legal losses are covered.
  • The New India comprehensive car insurance does not provide coverage for damages incurred when a privately insured car is used for business purposes.
  • The comprehensive car insurance from New India Assurance does not provide coverage for consequential losses.
  • The insurer won’t pay out if the car sustains damage as a result of being attacked during a war or mutiny.
  • Any tyre damage that the insured car sustains is not covered by the New India comprehensive car insurance.

How To Buy the New India Comprehensive Car Insurance?

Here is the complete buying process-

  • Visit the official website of the New India Assurance.
  • After that, locate the “Products” section in the blue-coloured banner, click on it, find the motor and then click on “Private Car” and then “Know More”.
  • The moment you click on it, you will see the page. After that, you will see a “Buy Online” option on the left-hand side. Click on it.
  • Once you click on it, a dialogue box will appear, you have to click “OK” to continue with the buying process.
  • Then, you will see two options. “Buying Insurance for a New Vehicle” or “Renew Existing Policy from any Insurer”. Click on the former option to proceed.
  • After that, you will need to enter your vehicle details like year of manufacture, type of private car, date of first purchase, variant, cubic capacity, type of fuel, vehicle zone, IDV, and many other details.
  • In the next step, you will need to enter information under different sections “Coverage Details”, “Policy Period”, “Get Protection for Accessories”, “Additional Discounts”, “Additional Covers”, “Additional Discounts”, and “Contact Details”.
  • Once you have entered all the details, you will need to click on “Save & Continue”. Then, you will need to fill out additional details like your residence address, telephone number, and many other aspects.
  • In the next step, you will then need to make payment using your debit/credit card or via net banking to purchase the Comprehensive Car Insurance from New India Assurance.
  • Finally, you have purchased the New India Comprehensive Car Insurance and all the details will be sent to your registered email ID and phone number.

How to File a Claim for the New India Comprehensive Car Insurance?

Here are the steps to follow while filing a claim under different circumstances.

In Case of Accidental Damage to the Vehicle:

  • Alert the nearest office right away, who will then produce a Claim Form.
  • A claim form that has been properly filled out must be submitted, along with a copy of the registration certificate and the driver’s licence of the vehicle at the time of the accident, as well as an estimate of the cost of repairs.
  • A Surveyor that New India Assurance has appointed will inspect the vehicle and submit a report to them. A spot survey at the scene of the accident would also be scheduled by the insurer if the vehicle sustained significant damage.
  • Final invoices and cash memos must be turned in with the insured’s proper signature.
  • After the insurer has approved the claim, salvage of the damaged parts might need to be deposited.

In Case of Theft of the Vehicle:

  • Report the incident to the police right away.
  • Send a copy of the FIR to the New India office that issued the comprehensive car insurance.
  • As soon as you receive the final police report, submit it.
  • Give the surveyor and/or investigator that the insurer has hired your full cooperation.
  • After New India Assurance has approved the claim, the claimant must transfer the registration certificate into the business’s name, hand over the keys to the car, and submit a letter of subrogation and indemnity on stamp paper that has been properly notarized.

In Case of Liability Claim:

  • Report any incident that could result in a liability claim right away to New India Assurance.
  • The summons should be sent to the insurer as soon as it is received from the court.
  • You must submit a completed Claim Form along with copies of your registration certificate, diving license, and police report.

Steps to Renew New India Comprehensive Car insurance

Here are the complete renewal steps.

  • Visit the New India Assurance official website.
  • After that, click on the “Quick Help” on the top. Then, locate “Quick Renewal”. Once you click on it, you will see the page, asking you to enter “Customer ID” and “Policy No.”.
  • Once you have filled in all the details, click on “Proceed”.
  • View your details and then pay using a Credit Card/Debit Card/Net Banking.
  • On the completion of the payment, you will receive the renewal message on your registered email ID and Phone number.

Frequently Asked Questions

Yes. Due to the wider coverage, it provides the car owner, comprehensive car insurance has a higher premium than third-party car insurance.

Yes, after submitting a written request to the New India Assurance and going through the “policy endorsement” procedure, you can transfer your comprehensive car insurance to a new owner. If the vehicle is transferred, there is a small fee that must be paid

Yes, the New India Assurance comprehensive car insurance offers protection against damage to the vehicle resulting from accidents or other natural disasters like earthquakes or floods.

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