Hassle-Free Buying Process
24*7 Customer Support
Compare Different Plans Easily
Add-Ons for Customization
National Comprehensive Car Insurance
The comprehensive car insurance plan from National Insurance gives wide protection to both you and your car. It combines the benefits of third-party insurance and own-damage (OD) insurance.
This plan covers costs caused by theft, fire, accidents, natural disasters, man-made damage, or harm to others and their property. Buying a comprehensive car insurance plan is a good choice because it gives you better protection and financial safety.
Features of National Comprehensive Car Insurance
Here are the main features of the comprehensive car insurance plan from National Insurance:
- 01
Government-Owned Company
National Insurance is a government-owned company known for its trust and reliability.
- 02
Cashless Garage Network
You can repair your car at more than 3,100 cashless garages across India without paying money up front.
- 03
Covers Natural Disasters
This plan protects you from financial loss caused by floods, earthquakes, storms, or other natural disasters.
- 04
Add-on Options
National’s Comprehensive Car Insurance offers many add-ons for extra protection. You can include them by paying a small extra premium.
- 05
24/7 Customer Support
The customer service team is always available to help you with your queries and problems.
- 06
Complete Coverage
This plan covers both third-party damage and damage to your own car, giving full protection.
Motor Insurance Plans By National
Add-ons Available with National Comprehensive Car Insurance
Add-ons are extra covers you can add to your National Comprehensive Car Insurance plan for better protection. Here are the add-ons you can choose from:Zero Depreciation Cover
With this, you can get the full claim amount without any deduction for car part wear and tear.
Consumables Cover
This add-on covers the cost of small items like nuts, bolts, oil, and screws during repairs.
Return to Invoice Cover
If your car is stolen or completely damaged, you get the full invoice value of the car.
Engine Cover
It protects your car’s engine from damage caused by water or oil leakage.
Roadside Assistance Cover
Helps you if your car breaks down by providing towing or on-spot repair services.
Personal Belongings Cover
Covers loss or damage to personal items kept inside your car.
What is Covered and Not Covered in National Comprehensive Car Insurance
What it Covers
Car Theft
If your car is stolen, National Insurance will pay you the car’s current market value (IDV).
Fire Damage
If your car catches fire and gets damaged, the insurance will cover the repair or replacement costs.
Natural Disasters
Covers damage caused by floods, earthquakes, cyclones, or landslides.
Accidental Damage
Pays for repairs or loss if your car is damaged in an accident.
Third-Party Losses
Covers injury, death, or property damage caused to someone else by your car.
Man-made Incidents
Covers damage due to riots, strikes, or terrorist acts.
Vandalism
If someone intentionally damages your car, this insurance pays for the repairs.
In-Transit Damage
Covers damage if your car is being transported by road, rail, water, or air.
Personal Accident Cover
Provides financial help if the car owner or driver is injured or dies in an accident.
What Does it not Cover
Drunk Driving
No coverage if the driver was under the influence of alcohol or drugs.
Driving Without a Licence
If the driver doesn’t have a valid licence, no claim will be paid.
Normal Wear and Tear
Everyday use or aging of the car is not covered.
Depreciation
Loss in the car’s value over time is not covered.
Electrical or Mechanical Breakdown
If the engine or electrical parts stop working on their own, you must pay for repairs.
Negligence by Owner
If you ignore warnings (like driving during floods or cyclones), the damage won’t be covered.
Tyre or Tube Damage (Non-Accidental)
If tyres or tubes get damaged without an accident, the insurance would not pay.
War or Nuclear Risks
Damage caused by war, war-like events, or nuclear weapons is not covered.
FAQs
If you do not make any claim during your policy year, you can get a No Claim Bonus (NCB) when you renew your car insurance. This gives you a discount on your next premium.
You can add extra covers to get more protection, such as:Zero Depreciation CoverInvoice Protection CoverNCB Protection CoverEngine Protection Cover, and more.
You can pay your premium using a debit card, credit card, or net banking on the Square Insurance website. UPI and wallet payments may also be available, which totally depends on the insurance company.
A compulsory deductible is the amount you must pay yourself when you make a claim.Rs. 1,000 for cars up to 1500 ccRs. 2,000 for cars above 1500 cc.
A No Claim Bonus helps you save money because you get a discount on your premium if you drive safely and don’t make any claims during the year.