National Insurance Two Wheeler Insurance Policy

The different types of Insurance plans available are as follows:  

1. Third-party Liability Only Insurance Policy : Third-party Liability Insurance is a fundamental form of two-wheeler coverage. It is designed to address legal claims arising from accidents where the insured bike is at fault. It is a mandatory requirement during the purchase of a new vehicle to promote responsible road usage. The policy offers two options: an Annual Third-party Liability-only Policy, providing one-year coverage with the flexibility of annual renewal, and a Long-term Third-party Liability-only Policy, extending coverage for 2 or 3 years, eliminating the need for frequent renewals. These options ensure that policyholders meet legal obligations while accommodating preferences for coverage duration, offering financial protection against third-party claims. 
2. Comprehensive Insurance Policy: The Comprehensive Two-Wheeler Insurance Policy by National General Insurance offers extensive coverage, safeguarding against loss, theft, and damage to the insured two-wheeler. Notably, it goes beyond asset protection by also covering liabilities arising against third parties due to the insured bike. National General Insurance provides two variants of this comprehensive policy to cater to different preferences and needs.  

• The Annual Package Policy ensures comprehensive coverage for a one-year duration, encompassing protection against a range of potential risks. This variant requires annual renewals, offering policyholders the flexibility to adjust their coverage based on evolving needs. 

• On the other hand, the Long-Term Package Policy provides a more extended solution, offering comprehensive coverage for 2 or 3 years. This variant eliminates the hassle of annual renewals, providing policyholders with sustained protection and convenience over an extended period. 

1. Bundled Plan : The Comprehensive Two-Wheeler Insurance Plan from National General Insurance provides a bundled solution that seamlessly integrates coverage for own damages over a one-year period with third-party liability coverage extending for a remarkable 5 years for new vehicles. This comprehensive approach ensures that policyholders not only safeguard their own assets against potential losses, damages, and theft but also maintain a robust shield against liabilities arising from third-party incidents for an extended duration. The key advantage of this bundled plan lies in its ability to offer a holistic and extended coverage solution within a single package. It is particularly advantageous for individuals seeking a comprehensive and hassle-free insurance option that efficiently addresses both their own damages and third-party liabilities. The convenience of a combined coverage plan simplifies the insurance process, making it an attractive choice for those looking for an all-encompassing and extended protection solution for their two-wheelers. 

1. Standalone Own Damage : The focus of this particular two-wheeler insurance policy is exclusively on covering damage to your own vehicle, making it a specialized form of coverage tailored to protect your personal assets. Unlike comprehensive policies that include third-party liability coverage, this plan is specifically designed to address the financial implications of damages, losses, or theft incurred by your own two-wheeler. It's important to note that third-party liabilities are not covered under this plan. This means that any legal or financial obligations arising from incidents involving third parties are not included in the coverage. However, a noteworthy condition is that this policy can be purchased only if you already have third-party liability cover in place. This condition ensures that, even though this plan is focused solely on protecting your own vehicle, there is a baseline of third-party coverage in effect, ensuring a more comprehensive insurance portfolio overall. 

National Two-Wheeler Insurance Plan Features and Benefits

The benefits and key features of the plan are discussed below:  

1. Effortless Policy Issuance : Seamless Online Process: Acquiring a two-wheeler insurance policy from National is a streamlined process. By visiting the company's website, customers can swiftly input relevant details, submit necessary documents, and make the premium payment, culminating in the prompt delivery of the policy document to their registered email. 
2. 24/7 Emergency Assistance : Immediate Support: National Insurance Company extends 24/7 emergency assistance within city limits for accidents. In the event of an accident, policyholders can contact the customer service department to not only register their claim but also request essential roadside assistance, including the towing of their vehicle to the nearest garage. 
3. Convenient Renewal Process: Hassle-free Renewals: National Insurance facilitates a hassle-free renewal process. Policyholders can easily renew their policies by visiting the official website, entering the requisite details, and completing the premium payment. This straightforward approach ensures the efficient renewal of the insurance policy. 
4. Efficient Claim Process: Simplicity and Speed: National's two-wheeler insurance policy boasts a claim settlement process characterized by its simplicity and ease. Policyholders have the flexibility to choose between cashless settlement at any of the network garages or claim reimbursement for damages to their vehicle. For swift resolution, direct communication with the insurance company is recommended, emphasizing a commitment to efficient customer service. 

National Two-Wheeler Insurance Claims Process

The insurance can be claimed by following the instructions given below:  

Step 1 - As soon as you become aware of damage to your two-wheeler, it is crucial to notify the insurance company promptly.  

Step 2 - In cases of theft or accidents, it's imperative to file a First Information Report (FIR) with the police immediately. This step is crucial for the documentation and verification process. 

Step 3 - Once the insurer is informed, the next step involves submitting the necessary documentation. This includes filling out and signing the claim form provided by the insurance company. 

Step 4 - Essential documents such as the policy document, vehicle registration certificate, a copy of the driving license of the person operating the vehicle during the incident, and an estimate of the repair costs should be compiled and submitted. 

Step 5 -The Insurance Regulatory and Development Authority of India (IRDAI) will conduct a survey to assess the extent of the damage to your two-wheeler. 

Step 6 -  A licensed surveyor, appointed by the insurance company, will physically inspect the vehicle and evaluate the damage. This inspection is a critical step in determining the validity and extent of the insurance claim. 

Step 7 - Following the inspection, the licensed surveyor will provide a report to the insurance company, verifying the details of the claim. 

Step 8 - Once the claim is verified and approved, the insurance company will proceed to settle the claim. This involves providing the necessary financial compensation or covering the repair costs as per the terms of the two-wheeler insurance policy. 

Step 9 - National General Insurance Company offers a user-friendly online platform where policyholders can track the status of their claims. This allows for transparency and keeps the policyholder informed about the progress of their claim. 

Step 10 - By regularly checking the claim status online, you can stay updated on any developments and ensure a smoother resolution process. 

National Two-Wheeler Insurance Renewal Information

You can follow the steps given below to renew your NATIONAL Two-Wheeler Insurance:  

Step 1- Recognize the Renewal Requirement: Understand the importance of renewing your insurance policy in a timely manner. This ensures continuous coverage for your two-wheeler and compliance with insurance guidelines. 

Step 2 - Visit the Company's Website: To initiate the renewal process, go to the National General Insurance Company's website . The online renewal portal can be accessed at https://nicportal.nic.co.in/nicportal/online/home. 

Step 3 - Online Renewal Process: Navigate to the section dedicated to policy renewal on the company's website.  

Step 4 - Follow the prompts and provide the necessary information to renew your two-wheeler insurance policy online. This can include details such as policy number, vehicle information, and personal details. 

Step 5-Avoid Policy Lapse: Renew the policy before its expiration to avoid a lapse in coverage. If the policy lapses, your two-wheeler will be without insurance, and you'll lose the protection it provides. 

Step 6 - Grace Period and No Claim Bonus (NCB): National General Insurance Company typically offers a grace period for policy renewal. During this period, the no-claim bonus (NCB) remains active, providing additional benefits. 

Step 7 - Be aware of the expiration date of the grace period. If the policy is not renewed within this time frame, the accumulated no-claim bonus may lapse. 

Step 8 - Renewal After Grace Period: If the grace period expires, and your policy has lapsed, contact National General Insurance Company immediately. 

Step 9 -The company will conduct a fresh inspection of your vehicle to assess its condition. Based on the inspection, you will be provided with a new insurance quote.  Step 10 - Premium Payment: Pay the premium for the renewed policy. This can typically be done online through the company's secure payment portal. 

Step 11 - Policy Renewal Confirmation: Once the premium is paid, your lapsed policy will be officially renewed. You will receive confirmation and updated policy documents reflecting the renewed coverage for your two-wheeler. 

Documents Required for National Two Wheeler Insurance Claims

The following documents are needed to claim National Two-Wheeler Insurance:  

1. A completely filled out and signed claim form. 
2. A copy of the driver's license. 
3. Certificate of Registration for the insured vehicle. 
4. Contact details and name of the insured party. 
5. First Information Report (FIR) report in case of theft or criminal activity. 
6. Original invoices for repair bills. 
7. Photographs depicting the damage to the insured vehicle. 
8. The full address of the location where the loss or damage occurred. 
9. Two-wheeler Insurance Policy number, including the schedule, endorsement, and clauses. 

National Insurance Toll-Free Telephone Number

If you need assistance with respect to the motor insurance policy offered by National Insurance Company, you may call on the below-mentioned toll-free number.

Toll-Free Telephone Number: 18002007710

National Insurance Branch Offices in Important Indian Cities

National Insurance Branch Offices in New Delhi

National Insurance Two Wheeler Insurance Customer Care in Ahmedabad

National Insurance Two Wheeler Insurance Customer Care in Tilak Road

National Insurance Two Wheeler Insurance Customer Care in Chandigarh

National Insurance Two Wheeler Insurance Customer Care in Bengaluru

National Insurance Two Wheeler Insurance Customer Care in Kochi

National Insurance Two Wheeler Insurance Customer Care in Mumbai

National Insurance Two Wheeler Insurance Customer Care in Pune

National Insurance Two Wheeler Insurance Customer Care in Jaipur

National Insurance Two Wheeler Insurance Customer Care in Jodhpur

National Insurance Two Wheeler Insurance Customer Care in Chennai

National Insurance Two Wheeler Insurance Customer Care in Coimbatore

National Insurance Two Wheeler Insurance Customer Care in Madurai

National Insurance Two Wheeler Insurance Customer Care in Hyderabad

National Insurance Two Wheeler Insurance Customer Care in Kolkata