National General Car Insurance

National General Car Insurance

National General Insurance is one of the top companies offering Car Insurance in UAE. It is rated “A-(Excellent)” by AM Best. NGI has prominent and financially strong shareholders, such as Emirates Commercial Bank of Dubai and NBD. NGI has Generali, Hannover Re, CCR and SCOR as its reinsurance partners.

National General Insurance offers insurance plans across a wide variety of insurance segments, such as motor, construction, engineering, marine, property and casualty, savings, investment life protection, and medical/health insurance.

The insurer aims to pursue excellence and win the trust of its insurance buyers by offering insurance solutions and services that surpass their expectations.

Offered Services by National General Insurance

National General Insurance’s experienced and qualified professionals are dedicated to provide quality customer support. They have a multi-lingual staff that caters to the needs of their diverse clients. The claims process is streamlined in order to approve settlements on time. National General Insurance has branch offices in Sheikh Zayed Road, Bur Dubai, Dubai Investment Park, Abu Dhabi and Sharjah.

National General Insurance offers vehicle insurance In UAE by focusing on customer satisfaction. It offers plans with long-term benefits to its insurance buyers.

Features of NGI Motornet

National General Car Insurance offers Motornet, a hassle-free and flexible motor insurance coverage. In addition to comprehensive auto insurance coverage, it offers the following features:

  • Agency-Borne Repairs - It offers free repairs at agency/dealer authorized workshop for 2 years from the date of registration.
  • Natural Calamities Cover - It offers financial protection against expenses incurred due to flood, hurricane storm, and earthquake etc.
  • Third-Party Cover - It offers third-party property damage coverage up to  AED 10,00,000
  • No Claims Discount - For every claim-free year, No Claims Discount is offered upon renewal. No claims discount is the reward offered by NGI to the policyholder for not filing a claim in a policy year.
  • No Excess - This plan comes with no excess for windscreen claims up to AED 2000.
  • No Claims Discount Entitlement - In case a claim is filed due to windscreen damage, it doesn’t affect No Claims Discount and the policyholder is entitled to get NCD upon renewal.
  • Off-Road Cover- Off-road coverage is offered specifically for 4WD.
  • Rent a car- AED 100 per day up to 7 days is offered as cash settlement when you rent a car while the insured vehicle is undergoing repairs.
  • Special Terms - For a large fleet of automobiles, coverage is offered at special terms.

Benefits of NGI Motornet

Here are the perks of having benefits of NGI Motornet:

S.No

Features

Availability

1.        

Excess Fee

Covered up to AED 2000

2.        

Agency Repair

Up to 2 years

3.        

Passenger Cover

Optional

4.        

Online Renewal  

Yes.

5.        

Roadside Assistance 

Yes

6.        

Off-road Cover

Yes

7.        

Personal Accident Cover

Optional

8.        

GCC Cover

No

9.        

Car Hire

Optional

 

National General Car Insurance Extended Coverage

In order to offer the best car insurance in Dubai to its insurance buyers, Motornet plan offers extended coverage, such as medical expenses cover, personal effects cover and free insurance cover for Oman.

Here are the details:

  • Emergency Medical Expenses - In case of an accident, emergency medical expenses are covered up to AED 5,000
  • Personal Effects Cover - It offers protection to personal effects and clothing stored in the car against theft, collision, and fire up to AED 2,000.
  • Extended Coverage - It offers extended coverage to the Sultanate of Oman.

Quality Garages

National General Car Insurance makes every effort to set a new benchmark in terms of quality of services offered to the insurance buyers. It beats its own record by offering best insurance solution; it has included reputed garages in its network listed garages.

Quality Services

While their automobile is undergoing repairs as per NGI’s policy terms and conditions, the policyholder can hire an automobile similar to the insured automobile at a NGI subsidized price. This, however, is an optional service.

Claims Process

Here is the claims process for National General Car Insurance:

Step-1 In case of theft or accident, report the incident at a nearby police station without any delay.

Step-2 Inform the Auto Insurance Department of National General Insurance about the damage. Here are the contact details:

  • Helpline number- +971 4 211 5800
  • Email id- customerservice@ngiuae[dot]com

Step-3 Fill out the claim form, attach the required documents (bills, payment receipts, driving license, emirates id, registration certificate etc.) and submit it.

FAQs

As per the law, it is mandatory for every vehicle owner in UAE to buy auto insurance for their vehicles plying on the roads. Otherwise, they could be penalized.

A comprehensive insurance cover offers third-party liability cover, personal accident cover, and own damage cover, whereas a third-party liability cover offers coverage against the damages or bodily injuries caused to a third-party.

National General Insurance has an excellent reputation thanks to its rating in the insurance market. It offers one-stop insurance solutions, as well as easy and smooth claim experience to its insurance buyers. Its friendly insurance professionals make claim process a cake walk.