New India Assurance Car Insurance

Types of New India Assurance Car Insurance

New India Assurance offers car insurance in uae across two primary types — comprehensive and third-party plans. 

1- A comprehensive motor insurance plan secures your vehicle and you against not only third-party liabilities but also the losses or damages to your vehicle due to accidents, fires, theft, and more. Here are the major benefits of New India Assurance comprehensive car insurance plans —

• Damages to your insured vehicle due to accidents or fire covered
• Accident, overturning, or collision
• Property damage because of riots or vandalism
• Loss of a car or theft
• Cover for natural calamities – floods, earthquakes, and storms
• Third-party liabilities in case of injuries

2- Third-party insurance makes your insurance company liable to compensate the third party in case your vehicle causes an accident. It’s worth keeping in mind that your own car is not covered under this policy. Here is what is covered under the third-party policies from the provider –

• Legal liability for third-party death or injuries
• Third-party property damage cover

Features and Benefits of New India Car Insurance

New India Assurance offers extensive coverage and is committed to ensuring customer satisfaction with every motor insurance policy. Here is what makes New India car insurance policies exceptional —

• 24/7 roadside assistance across the UAE
• Seamless claim process
• Expert assistance 
• Affordable premiums
• Personalised insurance solutions
• Easy New India car insurance renewal online
• Third-party liability coverage

Car Insurance Calculator for New India Assurance 

Car insurance calculators are rather nifty tools that can help you get an instant idea of the estimated cost of your new car insurance plan. All you need is the car make, model, year of manufacturing and variant of the car to calculate the estimated premium you will be paying for its insurance. Use Policybazaar.ae free online car insurance calculators. You can take advantage of these tools to see if the plan fits your budget. 

New India Assurance Car Insurance Inclusions

Given below are basic inclusions for New India Assurance third-party and comprehensive car insurance plans:

• Damages incurred by the third-party vehicle
• Injuries, death or disability of the third-party person – both driver and passengers
• Damages incurred by own car in an accident
• Damages incurred by own car due to a collision
• Emergency treatment for injuries sustained by the owner-driver of the car in an accident
• Damages caused by fire, explosions and self-ignition
• Damages caused by select man-made calamities
• Theft of the car or present car accessories
• Damages caused due to malicious acts of the third-party
• Damages incurred by the car when in transit

New India Car Insurance Add-ons 

Here are the main add-ons for car insurance in Dubai and across the UAE by New India — 

• Personal accident cover for the driver and passengers
• Rent a car
• 24/7 roadside assistance and agency repair —
  • Accident towing service
  • Battery boosting service
  • Flat tyre fixing service
  • Mechanical breakdown towing service
  • Lock-out service assistance
  • Fuel delivery service 
• Off-road cover 
• Windscreen damage cover

New India Assurance Car Insurance Exclusions

• Any damages caused to third-party vehicles when driving under the influence of drugs or other intoxicating substances
• Injuries caused when driving under the influence of intoxicating substances
• Damages caused or incurred by own vehicle when the car is involved in illegal activities
• Damages caused or incurred when driving without a valid UAE driving license 
• Damages caused to own car due to voluntary negligence of the owner-driver
• Consequential damages 
• Damages caused by war, acts of war, radioactivity and nuclear explosions
• Damages caused when using personal/private vehicles for commercial purposes
• Normal wear and tear of the car

Documents Required

Following is a list of all the documents you may need to purchase your New India Insurance car insurance plan in the UAE:

• Passport and resident’s visa for UAE residents 
• Emirates ID for all applicants
• A valid UAE driving license 
• Vehicle registration documents or details
• GCC specification certification of the car 
• No claim bonus certificate, if you have had a car insurance plan before

How to Renew New India Assurance Insurance

You can easily renew your New India Assurance car insurance plans online as well as offline. Given below are details for the same:

Online Renewals

Your car insurance plans can be easily renewed using the online renewal platform of the provider or Policybazaar.ae, your aggregator. Simply visit our website and sign in using your credentials. Locate your previously bought plans and find the renewal portal for your car insurance plan. Select the plan that you want to continue with when you begin the renewal process. Add or remove any available add-ons you like. Upload all required documents and pay the premium to finish the renewal process. If a vehicle inspection is required for your car, book an appointment and get it done. Upload the inspection report on the designated space and complete the renewal process. Similar kind of steps can be followed to renew your New India car insurance plan via the official provider website as well. 

Offline Renewals

To renew your car insurance plans offline, simply find a nearby branch office of your New India Assurance and visit it or connect with your insurance agent. Talk to an executive present at the branch to provide you with a renewal form. Fill out with required details and submit with necessary documents. Pay the premium due and renew your plan. You can change the plan on this form if you want to change your coverage. If you have an insurance agent, ask them to get the necessary documents for car insurance renewal. Yet again, fill out the form, pay the premium and get your renewal done. Your insurance agent will submit your renewal documents for you. 

How to File a New India Car Insurance Claim in the UAE?

To file a New India motor insurance claim, here’s what you need to do — 

• Take the vehicle to any of the approved garages
• Send the complete documents to the email IDs mentioned below —
  • Policies issued by Abu Dhabi office — mtrclmsnia@newindia-uae.com
  • Policies issued by the Dubai office — claimregistration@nia-dubai.com
• You can also reach out to the broker who assisted you in purchasing the policy

Documents to File a Claim

• Valid police report copy
• Copy of Mulkiya on both sides
• Copy of a driving licence (on both sides)
• Emirates ID copy 

The garage will then provide a repair estimate and evaluate the loss. If required, a surveyor will inspect and finalise the repair costs. 

Note —

• If the repair costs are above AED 5,000 (for non-agency repairs) and AED 10,000 (for agency repairs) for recovery cases, the LPO (Local Purchase Order) issuance can take up to 72 business hours from the time the third-party insurer is notified. This timeline is as per the guidelines of the Emirates Insurance Association.
• Total loss cases are handled separately. In this case, the provider will suggest an alternative procedure for these cases.
• LPO is released if everything is in place to start the repair. 

Once the repairs are complete, the garage will notify you. Pay the policy excess (if applicable) at the garage when you pick up the vehicle, once the repairs are complete. Finally, inspect your car and then sign the Discharge receipt or satisfaction note. 

New India Assurance Car Insurance Customer Care & Contact Details

FAQs

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