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Get The Best Car Insurance Plans Online in India

Your Policy Type

Policy Type :

  • Bajaj Allianz
  • Bharti AXA
  • Cholamandalam
  • Future Generali
  • HDFC Ergo
  • ICICI Lombard
  • IFFCO Tokio
  • Liberty Videocon
  • LT Insurance
  • Magma HDI
  • National Insurance
  • New India
  • Oriental Insurance
  • Reliance General
  • Royal Sundaram
  • SBI General Insurance
  • Shriram General Insurance
  • United India
  • Universal Sompo General

Most Popular Policies of New India Assurance

  • New India Assurance Senior Citizen Mediclaim Policy
    New India Assurance Senior Citizen Mediclaim Policy offers coverage to the insured against hospitalization expenses for treatment of injury and illness during policy period.
    Key features of New India Assurance Senior Citizen Mediclaim Policy
    • Maximum entry-age is 80
    • Maximum renewal age is 90 years
    • Organ donor transplant expenses are covered
    • Pre-existing hypertension, diabetes melitus are covered upon additional premium
    • Ayurvedic, homeopathic and Unani treatments are covered
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  • New India Family Floater Mediclaim Policy
    New India Assurance Family Floater Mediclaim Policy covers all family members with single sum insured. The coverage is provided for expenses for the treatment of any illness or injury.
    Key features of New India Family Floater Mediclaim Policy
    • The policy comes with lifetime renewal option
    • Good health and loyalty discount are available
    • Coverage available on complications due to pre-existing conditions
    • Organ donor hospitalization expenses are covered
    • Cataract surgery is covered up to certain limits
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  • New India Assurance Janata Mediclaim policy
    New India Assurance Janata Mediclaim policy covers cost of hospitalization (more than 24 hours) expenses and treatment expenses due to injury and illness or injury.
    Key features of New India Assurance Janata Mediclaim policy
    • Good health and loyalty discount are available
    • Ayurvedic, homeopathic and Unani treatments are covered
    • Cumulative Bonus is availble
    • Free health check-up is also available
    • Day care treatments are covered up to certain limits.
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  • New India Package Motor Policy
    New India Package Motor Policy offers coverage to expenses due to injury of owner and driver and loss or damage of the insured's vehicle. The policy also covers third party death and liability.
    Key features of New India Package Motor Policy
    • Coverage for personal accident is available
    • Coverage available for expenses to fix damaged accessories
    • Coverage for passengers in the car is available.
    • Coverage is available for employees and paid drivers
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New India Assurance Two Wheeler Insurance Policy

New India Assurance Two Wheeler Insurance Policy is a comprehensive two wheeler vehicle insurance plan for private and commercial vehicles that run on public roads.

How it works?

This policy has been designed specifically for the two wheeled vehicles like bikes, scooters, mopeds, motorcycles and so on. One can opt for liability only policy coverage type or package policy type. One can also avail both of the coverage types, which can safeguard you from accidents, loss or damage of your vehicle. Added to that, the insurance policy will bear the liability of injured person or the vehicle if the fault is yours. This can also save you from any kind of legal complication.

Benefits of two wheeler insurance policy

There are two types of coverages provided in two wheeler insurance policy.

Liability only policy-

In liability only policy, coverage is provided only for the third party liability person who has been injured or the vehicle that has been damaged. The claim can be of unlimited amount depending on the IDV or Insured’s declared value.

Package policy-

Package policy is all-inclusive policy where it covers the damage or loss of the vehicle, vehicle-owner and the driver along with third party liability. It covers perils like fire, lightning, burglary, explosion, theft, housebreaking and so on. It also covers the loss or damage due to malicious or terrorist act.

Key features of two wheeler insurance policy:

  • According to the policy, the vehicle owner can get compensation against the physical injury for himself and the co-passenger
  • Liability only coverage can provide compensation for any damage caused to the third party property.
  • It also provides compensation for physical injury or death of the third party person.
  • According to the package policy, the insurer can get third party liability coverage as well as coverage of the driver and the vehicle against perils like theft, fire, explosion, earthquake, and so on
  • Towing expenses are reimbursed for a distance from the accident venue to the workshop for a maximum of 300/- for two wheeler insurance.
  • You can get extra benefits and perks if you choose to pay a little extra premium.
  • The insurer can get no-claim renewal discounts ranging from 20% to 50% based on the type of the vehicle and the year of manufacture of the vehicle.
  • An insurer can only opt for fire and theft only insurance that has restricted cover by paying low premium.

Major exclusions under the policies:

  • Normal wear and tear or breakdowns
  • Damage or loss of vehicle when driving with no or invalid driving license
  • Damage or loss when the driver was drunk
  • Consequential loss
  • Claims due to contractual liability
  • Loss due to war
  • Use of vehicle violating the legal terms on limitations of use

Deciding factors for insurance rating:

  • Insured’s declared value or IDV
  • Geographical location
  • Cubic capacity of the vehicle
  • Vehicle’s year of manufacturing/ age
  • Add on coverages opted by the insurer
  • GVW or Gross Vehicle weight of general commercial vehicles

Making claims: points you should know

  • In order to make a claim, it is important to contact the nearest insurance office and collect the claim form.
  • It is must to furnish all the information along with the bills and cash memos to initiate the claim process
  • Under third party liability policy, you can ask your insurance company to pay the compensation for the third party damages or loss.

Other policies from new India Assurance:

  • New India Assurance Overseas Mediclaim Policy
  • New India Assurance Suhana Safar Policy
  • New India Baggage Insurance Policy
  • New India Two Wheeler Insurance
  • New India Assurance Senior Citizen Mediclaim Policy

Similar policies by other insurance providers:

  • Bajaj Allianz Car Insurance Policy
  • Bajaj Allianz Two Wheeler Insurance
  • Future Generali Private Car Insurance
  • Future Generali Two Wheeler Insurance
  • HDFC ERGO Private Car Insurance
  • HDFC ERGO Two Wheeler Insurance
  • HDFC ERGO Commercial Vehicles

Frequently Asked Questions:

Why would I opt for vehicle insurance?

According to the Indian motors act of 1988, it is mandatory to get an insurance done for your vehicle. Moreover, vehicle insurance protects you and your vehicle from any kind of damage. You can also consider availing third party liability coverage where the injured third party people and the vehicle get a reimbursement from your side if you or your driver is driving the vehicle and you (maybe both) are responsible for the accident.

Who can avail this policy?

Anyone who is an Indian citizen and has his vehicle registered under the regional transport authority of India can avail the benefits of this insurance.

Who are covered in this policy?

The vehicle owner along with the driver can be covered in the policy. In order to get extra cover for the co-passengers, one has to increase the sum assured amount.

Can I decide the sum assured on my own?

No, the sum assured can be decided by the insurance policy on the basis of the make year of the vehicle, its model and its brand. If the vehicle is more than 5 years and has been obsolete, the insurance amount depends on the insured company and the terms of the insurer with the company.