National Insurance Motor Insurance

Drive with Confidence. Protect Your Vehicle with Comprehensive Insurance.

National Insurance Motor Insurance, offered by National Insurance Company Limited (NICL), provides comprehensive protection for private cars, two-wheelers, and commercial vehicles against accidents, theft, fire, natural calamities, and third-party legal liabilities. You can choose from Comprehensive Motor Insurance, Third-Party Liability Insurance, or Standalone Own Damage Insurance to suit your protection needs.

Key Highlights

• Comprehensive protection for private cars, two-wheelers, and commercial vehicles
• Mandatory Third-Party Liability Insurance as per the Motor Vehicles Act
• Own Damage Cover against accidental loss or damage
• Cashless repairs at authorized network garages
• Personal Accident Cover for Owner-Driver
• No Claim Bonus (NCB) for claim-free years
• Optional add-on covers for enhanced protection
• Easy policy renewal and claim support
• Nationwide service network

Why Choose National Insurance Motor Insurance?

Comprehensive Vehicle Protection

Protect your vehicle against financial losses caused by:

• Road Accidents
• Theft and Burglary
• Fire and Explosion
• Flood, Cyclone, Storm and Earthquake
• Riots, Strikes and Malicious Acts
• Transit Damage (as per policy terms)

Third-Party Liability Cover

Third-party insurance is mandatory in India and protects you against legal liabilities arising from injury, death, or property damage caused to a third party.

Cashless Repairs

Enjoy hassle-free cashless claim settlement at authorized network garages, subject to policy terms.

Affordable Premiums

Choose from a range of plans for private vehicles, two-wheelers, and commercial vehicles with flexible coverage options.

Types of Motor Insurance

Comprehensive Motor Insurance

Covers:

• Own Damage
• Third-Party Liability
• Theft
• Fire
• Natural Calamities
• Man-made Perils
• Personal Accident Cover for Owner-Driver

Third-Party Liability Insurance

Provides coverage for:

• Third-Party Bodily Injury or Death
• Third-Party Property Damage

(Mandatory for all vehicles on Indian roads.)

Standalone Own Damage Insurance

Suitable for vehicle owners who already have a valid Third-Party Liability Policy and want protection for their own vehicle.

What's Covered?

✔ Accidental Damage

✔ Fire & Explosion

✔ Theft & Burglary

✔ Flood, Cyclone, Storm & Earthquake

✔ Riots & Malicious Damage

✔ Third-Party Legal Liability

✔ Personal Accident Cover for Owner-Driver

✔ Transit Damage (subject to policy terms)

Optional Add-On Covers

Enhance your policy with optional add-ons such as:

• Zero Depreciation Cover
• Engine Protect Cover
• Return to Invoice Cover
• Roadside Assistance
• No Claim Bonus Protection
• Consumables Cover

Availability of add-ons depends on the policy selected.

No Claim Bonus (NCB)

Earn a No Claim Bonus on the Own Damage premium for every claim-free year. NCB can generally be transferred when renewing with another insurer, subject to applicable rules.

Who Should Buy This Policy?

Ideal for:

• Private Car Owners
• Two-Wheeler Owners
• Commercial Vehicle Owners
• Taxi Operators
• Fleet Owners
• First-Time Vehicle Buyers

Benefits at a Glance

Documents Required

• Vehicle Registration Certificate (RC)
• Previous Insurance Policy (for renewals)
• Aadhaar Card
• PAN Card
• Identity Proof
• Address Proof
• Passport-size Photograph (if required)

Why Buy Through Us?

• Expert guidance in selecting the right motor insurance
• Competitive premium options
• Hassle-free policy issuance and renewal
• Assistance with claim documentation
• Cashless claim support
• Dedicated customer service throughout the policy period