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1st November 2017, 02:07 PM
Super Moderator
Join Date: Aug 2012
Re: National Insurance Company Limited Car Insurance Policy

As you want to know more about National Insurance Company Limited, Private Car Insurance Policy here I will gather details.

The Private Car Insurance Policy covers Vehicles used for social, domestic and for professional purpose (excluding carriage of goods other than the registered owner ) of the insured or used by insureds employees.

You may also cover additional cover for Loss of accessories, Legal liability to paid driver, Personal Accident to the occupants as also Increased legal liability to property damage of third party for a limit of Rs 7.5 lakhs

The policy has Provision of No Claims bonus for claims free experience. Discount for opting higher voluntary excess

Discount for approved anti-theft devices installed in the vehicle. Concession for specially designed/modified vehicle for blind, handicapped and mentally challenged persons

There are 2 types of covers available:
Injury or Death of Third Party

Property Damage (TPPD upto Rs. 7.5 Lacs)

The policy covers Own Damage to the Insured vehicle caused by:-
Accident by External Means Fire, Explosion, Self Ignition and Lightning

Transit by Road, Rail, Inland Waterway, Air, Lift

Burglary, House breaking or Theft

Terrorism, Riots, Strikes or Malicious Acts

Earthquake, Flood, Storm, Landslide, Rockslide

Policy does not cover following points
Consequential loss, wear and tear, mechanical or electrical breakdown, failures or breakages

Damage to tyres unless the motor vehicle is damaged at the same time when the liability of the insurer is limited to 50% of the cost of replacement ;

Any accidental loss or damage suffered whilst the insured or any person driving with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.

Cost of part/s and allied labour , failure of which led any accident.

National Insurance Company Limited
3, Middleton Street, Prafulla Chandra Sen Sarani , Kolkata, West Bengal, 700071.


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