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National Comprehensive Car Insurance Policy

When it comes to car insurance, at least a Third Party / Liability Only Cover is mandatory to have in India. But, merely fulfilling the eligibility is not always the best way out. The Third Party Cover provides coverage for the third party’s property damage or bodily injury or death, which have occurred due to your car. But, to get your car insured for its own damages as well, it is recommended to extend the insurance coverage by opting for a comprehensive car insurance cover.

The National Comprehensive Car Insurance Policy tends to offer coverage for the own-damages sustained by your car in addition to the third-party coverage. The policy also offers an optional cover known as personal accident cover. By adding the personal accident cover to your policy, you can also get the coverage for injuries or death suffered by you in an accident.

Although, it is not mandatory, but imperative to have this policy. It safeguards you from bearing a hefty amount due to your car’s involvement in an accident. In addition to availing these benefits of National Comprehensive Car Insurance Policy, you can opt for some add-ons too like zero depreciation cover, roadside assistance cover, engine cover and so on.

Comprehensive Policy vs Third Party Cover


Comprehensive Policy

Third Party Cover


It offers coverage for the loss or damage to the insured’s car in addition to bodily injury or death of the third party and third party’s property damage up to Rs. 7.5 Lakh.

It offers coverage for bodily injury or death to third parties for an unlimited amount and for third party property damages up to Rs. 7.5 Lakh.


Multiple add-on covers are available with this cover.

No add-on cover is available with the third party cover.


With extended coverage, it costs comparatively a higher amount.

With basic coverage, it costs comparatively a lower amount.

What Is Covered Under National Comprehensive Car Insurance Plan

  • Loss incurred by the insured’s car in the following events:

1. Burglary or theft
2. Riot and strike
3. Terrorist Act

4. Fire, explosion, or lightning
5. Earthquakes, floods, typhoons, hailstorms, etc.
6. Rockslide or landslide incidents
7. Accidental external means and so on.

  • Injury or death of third party due to an accident involving the insured’s car
  • A compensation of up to Rs 7.5 lakh for third party property damages.

National Comprehensive Car Insurance Policy Benefits:

  • Optional personal accident cover of up to Rs. 15 Lakh for the insured
  • Optional coverage for the co-passengers in the insured’s car for up to Rs. 2 Lakh
  • No-claim discounts ranging from 20% to 50% are applicable on own damage premium
  • Availability of add-on covers like Zero depreciation, Engine protect, NCB protect etc.,
  • Fast cashless claim settlement procedure at network garages of National General Insurance.

Must Read Articles before buying National Car Insurance

National Car Insurance User Reviews

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What users are saying
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  • Chatbox feature

    I was having some queries in my mind regarding my National insurance bike insurance policy which I purchased for my Honda Activa Scooter. I decided to use the chatbox feature of, to get my question answered. And I was so happy to see that all of my queries were solved with a quick response my questions were answered within a few minutes

    By Bahani Khan
    On: February 25, 2022
  • Learned about claim settlement

    I did not know how the claim settlement works. I visited Insurancedekho and learned everything. Then I made a claim under my National car insurance policy for my Honda CR-V and it got settled instantly.

    By Debesh Roy
    On: December 21, 2020
  • Best Insurance Company in term...

    My experience has been simply WOW with National insurance. The claim department was really helpful in the settlement and was polite and respectful which I was not expecting from the govt. company.

    By Ekta Gupta
    On: September 10, 2020
  • Timely settlement of claim

    I recently made a claim under my National car insurance policy that I purchased for my Volkswagen Polo car. The claim settlement process was smooth, hassle-free, and timely. I thank InsuranceDekho’s team for the help.

    By Suman Pande
    On: July 10, 2020
  • Easy to make claim

    InsuranceDekho helped me in making a claim last month under my National car insurance policy that I purchased for my Maruti Suzuki Ciaz car. I am really thankful to the staff.

    By Jai Aneja
    On: July 9, 2020
  • Secured payment gateway at In...

    I purchased a National car insurance policy from InsuranceDekho for my Hyundai Verna car. It was easy to buy policy at the portal and I paid online via secured payment gateway.

    By Naresh Nangia
    On: July 3, 2020
  • Ease of payment

    I purchased a National car insurance policy for my Honda WRV car at an affordable premium from InsuranceDekho. The portal offered me easy payment options and I paid through a secured payment gateway.

    By Shivani Joshi
    On: July 2, 2020
  • Got policy documents on time

    I purchased a National car insurance policy for my Honda jazz car from InsuranceDekho last month. I appreciate their process as I got my policy documents on time.

    By Priya Grover
    On: June 26, 2020
  • Many quotes for car insurance

    InsuranceDekho offers a great number for car insurance policies of which I chose National policy for my Maruti Suzuki Brezza car. The policy is high on benefits and yet is affordable.

    By Karan Talwar
    On: June 25, 2020
  • Excellent customer support

    The support team at InsuranceDekho is highly professional. It has members with experience and qualification who assisted me a lot to avail National Insurance and to secure Tata Tigor EV car.

    By Avinash Dixit
    On: June 3, 2020

223 National Cashless Garages in India

National Comprehensive Car Insurance FAQs

  • Can I opt for a 3 year comprehensive car policy under the National General Insurance Company?

    Yes, you can choose for a 3 year comprehensive car policy only if your car is purchased on or after 1-9-2018.

  • When can I avail the No-Claim Bonus under National Comprehensive Car Insurance?

    Under the National Comprehensive Car Insurance, if you successfully manage to maintain a claim-free driving year, then you can avail this No-Claim Bonus benefit at the time of policy renewal.

  • What are the add-on covers that I can include in my comprehensive policy?

    You can include the following add-ons in your comprehensive car policy by paying extra premium:

    • Zero Depreciation Cover
    • Invoice Protection Cover
    • NCB Protection Cover
    • Engine Protection Cover etc.
  • What are the payment modes available at Insurance Dekho with which I can pay my premium?

    You can pay your premium through debit card, credit card, and net banking at Insurance Dekho. The availability of UPI and Wallet payment methods vary from insurer to insurer.

  • What are the compulsory deductibles which I will have to bear for every requested claim?

    The amount of the deductible is dependent on the cubic capacity of the car in the following manner:

    • Rs 1,000 for cars up to 1500 cc
    • Rs 2,000 for cars more than 1500 cc.
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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.