New India Assurance Comprehensive Car Insurance

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.

Operating in 28 countries, New India Assurance Co. Ltd. is a renowned general insurance provider around the world. Established in 1919 by Sir Dorabji Tata, it is headquartered in Mumbai, India, and has a strong presence in the UAE and other countries as well. 

You can certainly rest assured about coverage if you plan to buy New India Assurance comprehensive car insurance, with the company offering excellent plans and services at affordable rates. Its high standards are also marked by its ratings, including an A- (Excellent-Stable) from AM Best, AAA/Stable by CRISIL since 2014, and more.

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New India Assurance Comprehensive Car Insurance vs Third-Party Car Insurance - A comparison

With New India Assurance comprehensive car insurance, you can have coverage for both third-party damages/injuries as well as damages to your own vehicle. You can also get coverage in case of accidents, fires, theft, and other such events. 

Third-party automobile insurance, on the other hand, only covers losses to third-party property, vehicles, or individuals caused by you, the policyholder. With this type of car insurance in UAE, you won’t get coverage for your own vehicle damages as the policyholder. 

As per UAE traffic laws, third-party car insurance is mandatory to drive in the country. However, for complete coverage, it’s advisable to go for comprehensive motor insurance. 

For a more detailed perspective, listed below is a comparison breakdown of the two insurance policies - 

Category New India Assurance Third-Party Car Insurance New India Assurance Comprehensive Car Insurance
Legal requirement Mandatory in the UAE Not mandatory but better suited for complete coverage
Car Type Suitable if you have a low-value or old car or use it rarely If your car is new and/or expensive, this type of plan would be more suitable.
Coverage Only covers damages accidentally caused by the policyholder to third-party property, vehicles, or persons - less than a comprehensive plan Covers the claims of the third party as well as the damage to the policyholder’s car
Premium Relatively inexpensive as it does not cover the damages to your vehicle On the higher side due to better coverage

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An Overview of New India Assurance Comprehensive Car Insurance Plans

The comprehensive car insurance plan of New India Assurance in the UAE is Motor Comprehensive Insurance. However, it must be noted that the company also offers Motor Fleet Comprehensive Insurance, which covers commercial vehicles in a fleet (usually of a particular business/organisation).

Here are the standard features of the mentioned plans - 

Plan Name Features
Motor Comprehensive Insurance
  • Accident and collision cover
  • Damages due to malicious behaviour of the third party
  • Theft and burglary cover
  • Fire and select natural disaster-related damages
  • In-transit damages
Add-ons are as follows -
  • Personal accident cover (for driver and passenger)
  • Roadside assistance
  • Car rental
  • Windscreen damages
  • Agency repairs
  • Cover for natural disasters
  • Off-road cover
Motor Fleet Comprehensive Insurance
  • Third-party fleet insurance
  • Comprehensive fleet insurance

Benefits of Buying Comprehensive Car Insurance from New India Assurance in UAE, Dubai

With the best comprehensive car insurance plans from New India Assurance, you can enjoy the following benefits - 

  • Cost-Effective Protection: New India Assurance comprehensive car insurance policies offer great coverage at affordable rates. With this, you can safeguard your finances in case of an accident or theft without spending high amounts on premiums. 
  • Wide Range of Benefits: With New India Assurance’s comprehensive motor insurance, you can expect coverage against accidents, natural disasters, in-transit damages, theft, and more.
  • Customisable Plans: You can have plenty of add-ons to choose from with New India Assurance. With add-ons related to personal accident cover, off-roading, roadside assistance, windscreen damage, agency repair, and more, you can easily modify and enhance your comprehensive and fleet motor insurance plans
  • Swift Claim Process: The easier the claim procedure, the faster the assistance. New India Assurance car insurance policies have a pretty straightforward motor insurance claim procedure, which ensures the timely provision of help when you require it the most. 

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Inclusions of New India Assurance Comprehensive Car Insurance

Here are the standard inclusions of New India Assurance comprehensive car insurance -  

  • Damages incurred by third-party vehicles
  • Death or injuries of the third-party person – both driver and passengers
  • Damages incurred by own car in an accident
  • Damages incurred by own vehicle due to a collision
  • Damages caused by fire, explosions, and self-ignition
  • Losses incurred due to theft or burglary 
  • Damages caused due to malicious acts of the third-party
  • Damages incurred by the car when in transit

New India Assurance Comprehensive Car Insurance Exclusions 

Listed below are the general exclusions of New India Assurance comprehensive car insurance -  

  • Damages caused when driving under the influence of drugs or other intoxicating substances
  • Damages caused or incurred due to involvement in illegal activities
  • Damages caused or incurred when driving without a valid UAE driving licence 
  • Intentional damages
  • War, radioactivity, and nuclear explosion-related damages
  • Damages caused when using personal/private vehicles for commercial purposes
  • Normal wear and tear of the car

FAQ's

Which types of vehicles can come under fleet insurance plans from New India Assurance?

Fleet insurance plans are primarily made for commercial vehicles like buses, trucks, vans, pick-up vehicles, and more. However, if your group of vehicles includes 6 or more vehicles, you can have them covered under New India Assurance Motor Fleet Insurance.

What is the minimum number of vehicles that can be insured under the fleet insurance plan from New India Assurance?

You need at least 6 vehicles to be eligible for the fleet insurance plan from New India Assurance.

Are there any legal consequences for driving without valid car insurance in the UAE?

Yes, driving your car without valid car insurance in UAE can bring penalties like hefty fines, black points on licence, and vehicle confiscation.

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