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National Third Party Car Insurance Overview

There are types of National Third Party plans

  1. Third-party liability plans-these plans are mandatorily required on all cars as per the directives of the Motor Vehicles Act, 1988. A third-party liability policy covers third-party liability which incurs when you physically hurt an individual or damage someone else’s property. Third-party plans might also have a personal accident cover which covers the owner/driver of the car against accidental deaths and disablements.

National Claim Settlement Ratio

86%

National

94.67%

Industry Average

Car claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. National has a claim settlement ratio of 86%, as compared to the industry average of 94.67%.

National Premium Calculator

Use our National car insurance premium calculator to estimate National car insurance premium for your car within 30 seconds

Add-ons Available Under National Car Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the Car insurance policy. National Car insurance plans offer the following types of add-ons with the comprehensive policy:

Nil depreciation which removes the effect of depreciation applicable on the car’s parts in case of a claim

Nil depreciation plus which adds an extra advantage to the nil depreciation add-on

Invoice protect which promises to pay the invoice value of the car in case of total loss or theft

Engine protect which covers the damages suffered by the engine of the car due to water-logging and consequent water seepage

NCB protect which protects the accumulated no claim bonus even when a claim is made under the policy

How To Raise A Claim Under National Third Party Car Insurance

  1. If there is a third party claim

If you have harmed a third party or damaged someone’s property, the claim process would be as follows:

  1. Inform the insurance company immediately after a claim
  2. File an FIR with the local police authority
  3. The claim would be handled by the motor accidents tribunal
  4. The tribunal would rule the liability that you have incurred for the damages caused
  5. The liability would then be paid by the insurance company and the claim would be settled
    1. If your own car is damaged

If your car itself suffers damages, it is called own damage claim. In that case, the steps are as follows

  1. Inform the insurance company immediately. When you do so the company would mention the nearest tied-up garages where you should take your car. If the car is taken to a non-preferred garage, the claim is settled on reimbursement. You are required to bear the charges and the charges are then reimbursed by the insurer.
  2. Once the car is in a preferred garage, the insurer’s surveyor would visit and assess the damages and prepare a report
  3. The insurance company approves the claim based on the surveyor’s report
  4. The repairs are then done on the car
  5. Once the repairs are complete, the insurance company settles the garage bill. You have to pay any excess cost to take delivery of the car.
    1. If the car is stolen

In case you lose your car to theft, the following steps would have to be taken

  1. Inform the insurance company immediately
  2. Inform the police and file an FIR
  3. The police would try to trace your car and if they are unsuccessful, they would issue a non-traceable certificate
  4. Present this certificate and the insurance company would settle your claim.

Another alternative for getting your car insurance claim settlements is through Turtlemint. Turtlemint offers you easy assistance in getting your claim settled at the earliest possible time. All you have to do is inform Turtlemint at their toll-free number 1800 266 0101 or at their email id claims@turtlemint.com. Once Turtlemint’s claim team is notified of the claim they would take the necessary steps to get your claim settled and you would be spared the hassles.

Documents Required For Claims

When you raise a claim for your car insurance policy, various documents are required. These include the following

  1. Claim form
  2. Copy of RC book of the car
  3. Copy of PUC certificate
  4. Copy of your driving license
  5. Your KYC documents
  6. Police FIR for third party and theft claims

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