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New India Car Insurance
The New India Assurance Company was founded by Sir Dorabji Tata on 23 July 1919. This is a leading public sector general insurance company headquartered in Mumbai, Maharashtra. This company operates under the Ministry of Finance, Government of India.
By offering a wide range of insurance products such as motor, health, travel, and commercial insurance, it is trusted nationwide. New India Insurance Company is popular for its reliability and financial strength.
Key Features of New India Insurance
Here are some of the key features of New India Insurance:| Key Features | Description |
|---|---|
| Policy Type | Offers Third-Party, Comprehensive, and Own Damage car insurance plans. |
| Cashless Garages | 3000+ network garages available across India. |
| Claim Settlement | Fast and easy digital claim process. |
| Add-on Covers | Options like Zero Depreciation, Engine Protect, Roadside Assistance, and Return to Invoice. |
| No Claim Bonus (NCB) | Up to 50% discount for claim-free years. |
| Roadside Assistance | 24x7 help in case of breakdowns or emergencies. |
| Coverage | Covers damage from accidents, theft, fire, and natural or man-made disasters. |
| Personal Accident Cover | Rs. 15 lakh cover for the owner-driver. |
| Customer Support | 24/7 assistance for queries and claims. |
| Digital Services | Easy online purchase, renewal, and claim tracking. |
Motor Insurance Plans By New India
Benefits of New India Insurance for a Car
Here are the main benefits you get with New India Car Insurance:
- 01
Complete Coverage
New India Assurance offers full protection for both your vehicle and third-party liabilities under one plan. It covers damage caused by accidents, theft, fire, and natural disasters.
- 02
Wide Network of Cashless Garages
The company provides access to more than 5,900+ cashless garages across India, ensuring quick and convenient repair services without upfront payments.
- 03
Flexible Add-on Covers
You can enhance your policy with useful add-ons such as Zero Depreciation, Engine Protection, Roadside Assistance, Key Replacement, and Return to Invoice cover, giving you extra peace of mind.
- 04
Easy and Transparent Claim Process
New India Assurance ensures a fast and hassle-free claim settlement through its digital process, allowing customers to raise and track claims easily online.
- 05
Attractive No Claim Bonus (NCB)
Policyholders can enjoy up to a 50% discount on the premium for not making any claims during the policy term, rewarding safe driving habits.
- 06
24/7 Roadside Assistance
In case of emergencies, the insurer offers round-the-clock roadside help for towing, flat tyre repair, or battery jump-starts.
- 07
Reliable Customer Support
Their 24/7 customer service team helps with queries, claim support, and policy-related issues, ensuring smooth assistance whenever needed.
- 08
Trusted Government-Owned Insurer
Being a public sector company with a long-standing reputation, New India Assurance is known for its reliability, strong financial backing, and customer-friendly approach.
Inclusions and Exclusions of New India Insurance
The New India Assurance car insurance policy clearly lists its inclusions and exclusions to help policyholders understand the protection they receive. Here are the inclusions and exclusions of the New India Car Insurance plan:
What it Covers
Accidents, theft, fire, or natural disasters (like floods, cyclones, and earthquakes).
Third-party liability, such as injury or death of others or damage to others’ property, is also covered.
Malicious acts, riots, strikes, or vandalism damage.
Protects while the vehicle is in transit (road, rail, inland waterways).
Coverage for personal accident for the owner-driver.
What Does it not Cover
Normal wear and tear of parts, mechanical or electrical breakdowns.
Consequential losses (loss of use of the vehicle, business losses because the vehicle is out of service).
Driving the vehicle while drunk or under the influence, or without a valid driving licence.
Using the vehicle beyond permitted use (for example, a private car used as a taxi).
Loss or damage caused by war, nuclear risks, rebellion, or civil war.
Damage outside the geographical area specified in the policy.
Available Add-ons in New India Car Insurance
Here are the names of available add-ons in New India Car Insurance and what they cover: Zero Depreciation Replaced car parts without deducting depreciation.Roadside Assistance Breakdowns on the road, like towing or fuel delivery.Engine Protection Repair or replacement costs of a damaged engine.Return to Invoice Full invoice value of the stolen or totally damaged car.Key Replacement Lost or stolen car keys and reprogramming locks if needed.Consumables Cover Screws, oils, nuts, and bolts when you raise a damage claim.Accessories Cover Non-standard accessories fitted in your car (like a stereo or special wheels).Tyre & Alloy Protection Cover Replacement of tyres and alloys due to cuts, bursts, or bulges.Personal Belongings Cover Personal items kept inside the car (laptop, phone, etc.) in case of theft or damage.Battery Protect Cover Battery in case of a claim for theft or damage.Road Tax Cover Helps recover road tax paid when your car is totally lost/theft and you are replacing the vehicle.Key & Lock Replacement Cover Loss, theft, or damage of the lock mechanism.No Claim Bonus (NCB) Protection Cover Lets you protect your NCB benefit even when you claim the policy term.
Documents Required for Buying New India Insurance for Cars
Here are the documents that you need to buy New India car insurance:Vehicle Registration Certificate (RC)Valid Driving LicencePrevious Insurance Policy (if applicable)Address ProofIdentity ProofPassport-size PhotographPollution Under Control (PUC) Certificate
How to Buy New India Car Insurance?
Here are the steps to buy New India Insurance for cars:Step 1 Visit the official New India Assurance website or any trusted insurance aggregator platform.Step 2 Click on ‘Products’, then navigate to ‘Motor Insurance’ and select the type of car you own.Step 3 Enter your car details such as registration number, make, model, and year of manufacture.Step 4 Choose the type of policy: Third-Party, Own Damage, or Comprehensive.Step 5 Select add-on covers if you wish to enhance your policy.Step 6 Review the premium amount and make the payment online.Step 7 Now, you will receive the policy document instantly at your registered email.
FAQs
New India Car Insurance is a policy offered by New India Assurance that protects your vehicle against damage, theft, and third-party liabilities.
You can buy New India Insurance for your car online through the official New India Assurance website or by visiting the nearest branch office.
New India Car Insurance offers Third-Party, Own Damage, and Comprehensive insurance plans.
Yes, you can easily renew your New India Car Insurance policy online using your policy number and vehicle details.
Some popular add-ons include Zero Depreciation, Roadside Assistance, Engine Protection, and Return to Invoice.
You can file a claim online by visiting the New India Assurance website, filling in your policy details, and submitting the required documents for quick settlement.