Policy Highlights
- 1 National Insurance Two Wheeler Policy Introduction
- 2 National Insurance Two Wheeler Policy key Features and Benefits
- 3 National Insurance Two wheeler Policy Coverages
- 4 National Insurance Two wheeler Policy Exclusions
- 5 Additional coverages available under National Insurance Two Wheeler Policy
- 6 Rate of depreciation in National Insurance Two wheeler Policy
- 7 National Insurance Two Wheeler Policy Buying Procedure
- 8 Claim Process Involved in National Insurance Two Wheeler Policy
- 9 Documents Required In National Insurance Two Wheeler Claim Process
- 10 National Insurance Two Wheeler Premium and Maturity Calculator
- 11 National Insurance Company Customer Care Details
- 12 FAQ’s on National Insurance Two Wheeler Policy
- 13 National Insurance Two Wheeler Forms and Documents
- 14 About National Insurance Personal Accident Policy
- 15 About National Insurance Car Insurance Policy
National Insurance Two Wheeler Policy Introduction
National Insurance Company Limited is a leading Public sector Insurance Company in India. National Insurance Company Provides you more than 200 policies, it is providing almost all required policies to Indians. National Insurance Company Limited has 1000 offices and 16,000 employees across India to serve its customers.
To get National Insurance Motor Insurance, the owner of the vehicle must be a registered owner to the vehicle where he or she wants to benefit by the safety of the vehicle. National Insurance Two wheeler Policy covers the loss caused due to damage of vehicles used for social, domestic and for professional purpose.
National Insurance Two Wheeler Policy key Features and Benefits
- National Insurance Two wheeler Policy Covers the loss caused due to damage of your Two Wheeler.
- It provides additional coverage for loss of accessories.
- It provides the Legal liability to paid driver.
- It also provides you personal accident coverage.
- You can get a coverage up to Rs.7.5 lakhs for property damage of third-party.
- It provides No Claim Bonus(NCB) facility for Claim free Experience.
- It provides you an additional coverage for anti theft devices installed in your vehicle.
- The motorcycle policy can be purchased online using debit card/credit card.
- You can renew your policy through online.
National Insurance Two wheeler Policy Coverages
National Insurance Two Wheeler Policy provides you two types of coverages they are,
- Liability Only Cover.
- Package Cover.
Liability Only Cover:
It Insures you against any legal liability to your vehicle, if your vehicle involving in an accident. It does not cover any damage to your vehicle.
This policy covers the following risks only.
- Injury or Death of Third Party.
- It Covers the loss caused due to property damage of third-party up to Rs.7.5 lakhs.
Package Cover:
- It covers the Loss caused due to damage of your vehicle.
- It provides you third-party coverage as well as damage caused to your own vehicle.
- It also Provides you coverage facility for co-passengers.
This policy covers Own Damage to the Insured vehicle caused by:
- Accident by External Means Fire, Explosion, Self Ignition and Lightning.
- Transit by Road, Rail, Inland Waterway, Air, Lift.
- Burglary, Housebreaking or Theft.
- Terrorism, Riots, Strikes or Malicious Acts.
- Earthquake, Flood, Storm, Landslide, Rockslide.
National Insurance Two wheeler Policy Exclusions
- It does not cover the loss caused to your vehicle outside the geographical area.
- Generally annual policy is issued but there is an exception like long-term two-wheeler policy which continues till the fitness of the vehicle is valid according to RTA.
- It does not cover the loss caused to your vehicle due to usage of your vehicle in an unauthorised manner like, for racing, hiring, speed testing.
- It does not cover the loss caused to your vehicle, when driving the vehicle under the influence of alcohol or drugs
- It does not cover the wear and tear loss.
- It does not cover the consequential loss.
- It does not cover the loss due to mechanical or electrical breakdown failures or breakages.
- Damage to tyres unless the motor vehicle is damaged at the same time when the liability of the insurer is limited to 50% of the cost of replacement.
- It does not cover the loss due to failure of car parts which led to any accident.
- Loss or damage to accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time.
For more information regarding Tax Benefits, visit www.taxqueries.in.
Additional coverages available under National Insurance Two Wheeler Policy
Third party liability coverage:
- It Covers the loss up to 7.5 lakhs in case of third-party property damage or death / bodily injury of third-party.
- It Covers the death or bodily injury to any person including occupants carried in the insured vehicle.
- It Covers damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured.
No Claim Bonus(NCB):
No Claim Bonus(NCB) is the additional discount available on the premium of the own damage of your vehicle.
Discount on anti theft devices:
You can get a discount of up to 2.5% on ARAI(automobile research association of india) approved anti theft devices.
Voluntary higher excess:
The excess on a two wheeler insurance policy is a fixed contribution that you, as the policyholder, will have to stump up in the event of a claim.
Personal Accident Coverage:
The Company Will pay the Compensation for bodily injury or death of the owner / driver of the vehicle.
The Rate of Compensation under personal accident coverage is given below table
| Nature of Injury | Scale of Compensation |
| Death | 100% |
| Loss of two limbs or sight of two eyes or one limb and sight of one eye | 100% |
| Loss of one limb or sight of one eye | 50% |
| Permanent total disablement from injuries other than named above. | 100% |
Rate of depreciation in National Insurance Two wheeler Policy
For all rubber / nylon / plastic parts, tyre and tubes batteries and air bags – 50%.
For fiberglass components – 30%.
For all parts made of glass – NIL.
Rate of depreciation for all other parts including wooden parts will be as per the following table:
| Age of Vehicle | % of depreciation |
| Not exceeding 6 months | NIL |
| Exceeding 6 months,but not exceeding 1 year | 5% |
| Exceeding 1 year but not exceeding 2 years | 10% |
| Exceeding 2 years,but not exceeding 3 years | 15% |
| Exceeding 3 years,but not exceeding 4 years | 25% |
| Exceeding 4 years,but not exceeding 5 years | 35% |
| Exceeding 5 years, but not exceeding 10 years | 40% |
| Exceeding 10 years | 50% |
Sum Insured Declared value(IDV):
The IDV of the vehicle is fixed based on manufacturers listed selling price of the brand and model.
Depreciation for fixing the IDV of the vehicle in National Insurance Two Wheeler Policy:
| Age of the Vehicle | % of depreciation for fixing IDV |
| Not exceeding 6 months | 5% |
| Exceeding 6 months but not exceeding 1 year | 10% |
| Exceeding 1 year but not exceeding 2 years | 15% |
| Exceeding 2 years but not exceeding 3 years | 30% |
| Exceeding 3 years but not exceeding 4 years | 40% |
| Exceeding 4 years but not exceeding 5 years | 50% |
National Insurance Two Wheeler Policy Buying Procedure
You can buy National Insurance Two Wheeler Policy by giving required information
Your Details:
- Select State
- Select District
- Select pin code
- Select office
Vehicle Details
- Vehicle registration state
- vehicle type
- vehicle class
- Manufacturer
- Variant
- Body type
- Cubic Capacity
- Registration location
Nominee details.
IDV Value.
Claim Process Involved in National Insurance Two Wheeler Policy
If you have met with an accident you have to follow the below steps in National Insurance Two Wheeler Policy claim process:
- Note down the number of the vehicle involved in the accident,if any.
- Note down the name and contact details of the witness,if any.
- You can contact to National Insurance Company by its call center number 18001201430.
- Fill the National Insurance Two Wheeler Policy Claim Form.
- Submit Claim Form to the National Insurance Company Regional Office, which is nearer to you.
- The Company Surveyor Will Survey the damage of your insured vehicle.
- You have to submit required documents to the Surveyor.
- The surveyor will verify the details of your vehicle.
- After verifying and calculating the % of depreciation they will settle the bill, in case of excess amount you have to pay the excess amount.
National Insurance Two Wheeler Claim form
Documents Required In National Insurance Two Wheeler Claim Process
For Accident Claims:
- Duly signed claim form.
- Copy of the RC book.
- Copy of the driving license.
- Copy of the first two pages of the policy.
- FIR on case to case basis.
- Original estimate.
For Theft Claims:
- Duly signed Claim form.
- Copy of RC book.
- Copy of driving license.
- Policy Copy.
- Original FIR copy.
- Estimated cost of replacement.
- C.R.Diary number.
For Third party Claims:
- Duly signed Claim form.
- Police FIR copy.
- Driving license copy.
- Policy copy.
- RC copy of the vehicle.
- Full details of property damaged.
National Insurance Two Wheeler Premium and Maturity Calculator
By using National Insurance Two Wheeler Insurance Premium Calculator you can calculate the minimum premium that has to be paid to take National Insurance Two Wheeler Policy. It allows you to select the best scheme. The premium is calculated on the basis of the following details
- IDV of the vehicle.
- Cubic capacity of the vehicle.
- Zone of registration.
- Age of Vehicle.
National Insurance Company Customer Care Details
Telephone number: 22831705 / 22831706.
Call center number: 0866 257 8586.
Email.id: nic.motor@nic.co.in
Contact Address:
3 Middleton street,
Kolkata,
West bengal,
Pin code: 700071.
FAQ’s on National Insurance Two Wheeler Policy
1.Can I buy Two Wheeler Insurance Policy Online?
Ans: Yes, you can buy Two Wheeler Insurance through online by using credit card/debit card.
2.Can I renew my Policy through online?
Ans: Yes, You can renew your policy through online by simply visiting niconline.in.
3.Is policy necessary for two Wheeler?
Ans: Yes, You have to take policy for two-wheeler, according to motor vehicle act every vehicle on the road should have insurance policy.
National Insurance Two Wheeler Forms and Documents
National insurance two wheeler insurance package policy
National Insurance two wheeler liability policy terms and conditions
National insurance Two Wheeler insurance proposal form
want to do insurance of my bike. presently expired. 2 numbers
My Two wheeler insurance policy no. is 39010231146201384961. It expires on 07.07.2015. While trying to renew it through online, the message says that records are not found. How to renew it through online.?
I would like to keep my insurance going without any break. Help me as I have shifted to a rural village.
Thanks & Regards
USHA
How many days you will take for recovery of two wheeler claim
Can I claim anywhere any nearest nic office of accident place
SIR
MY PASSION PRO BIKE MODAL 19* MAR 2013 DEEPU KUMAR GUPTA 17/08/2015 KO CHORI HO GAYI HAI…
PLEASE COMP-LENT MY REQUEST..
SIR MY BIKE PASSION PRO MODAL 19/03/2013 UP 21AR 8175 17/08/2015 KO CHORI HO GAYI HAI .
PLEASE ROPORT MY REQUEST…
Tvs pep+ scooty insurance expired 29/11/2013 ( National Insurance company Ltd) .how to renew online
It is not possible to renew the any policy online from National insurance and it always asks you to visit their branch office, I have all my medical and vehicle policy from NIC. Now I am changing to other insurance companies, as the NIC portal is not user friendly. perhaps it wants to promote agent culture
regards
shankeran
Dear Sir,
I am being compelled to write you this email with a heavy heart in order to bring to your kind notice regarding the unethical/unprofessional practices carried out by the representatives of the employees of National Insurance Company ltd. and the bitter experiences and sufferings I am still facing by insuring my two wheeler vehicle from the said company. What I can realize is that I have committed a serious crime by insuring my two wheeler vehicle insurance in the said esteemed company.
In reference to my Policy No-150403/31/14/6200003550 , please note that my two wheeler vehicle (vehicle no-WB40V 5651)which met with an accident on 06/07/2015and I immediately reported to the respective department on the same(claim form attached). They sent the authorized surveyor(Mr.Ashok Das)for the inspection on 7/07/2015and he informed the authorized dealer viz.M/S Banerjee Bajaj, Durgapur-13 to provide the estimation for repairing the said vehicle.The said dealer submitted an estimation of Rs35135/-(list attached)and the surveyor told me that it will be a claim of total loss and to which he explicitly explained to me that i will be getting 75% of claim amount on my IDV, which comes to Rs31500/- on my IDV amount of Rs42000/-
On the 14/8/2015,the surveyor again called me and informed me over the phone to submit supplementary estimate in order to process for the total loss claim. Then I submitted supplementary estimate of Rs10826/- received from M/S Banerjee Bajaj, Durgapur(list attached).
Post that I regularly followed up with the surveyor to know the status. on 21/09/15 again I called him over the phone, he informed me that they were unable to process for total loss(although they did not provide me the reason for the same and surprisingly I had to call them to know such informations which clearly states their irresponsibility and negligence)and hence they will now process for cash loss to which again he explicitly explained that they are going to give me claim 70%-75% as per the authorized surveyor valuation and along with I will get back my vehicle as it is in damaged condition .The surveyor also told me that i order to process the same I have to contact to the senior Manager (Mr.Indranil Ghosh)who only has the discretion and authority to process for the cash loss. As per discussion with the surveyor ,I immediately submitted an application to the Senior Manager to settle my claim in terms of cash loss(letter attached).I followed up N number of times and they assured me that it will be done. on 2/11/15, I again visited the branch and this time they informed me that they won’t be able to process for the cash loss and I should apply for cash less to which they explicitly explained that I have to repair my vehicle at my own cost first and post that they will pay me as per their valuations. I clearly stated them that my present financial condition is not good as my work is getting suffered because of the absence of my vehicle
and hence it’s not possible for me to repair the vehicle from my own pockets.
Post the discussion with the Senior Manager, I again submitted an application for cash loss(letter attached) and the senior manager ensured me the that the cash loss will be settled.
On 1/12/2015 , when again I went to the branch to know the status of my claim, Mr. Indranil Ghosh introduced me with the Assistant Branch Manager (Mr. Samar Mistri) and told me to narrate the entire episode. After hearing to the entire episode and my harassment since last five months , both the Senior Manager and Assistant Branch Manager ensured me that either cash loss or total loss will be approved by any means and I don’t need to go for cash less.
On 3/12/15 when I again visited the branch to know the status they simply ignored /disgraced/dishonored me and I am still in the clouds about the fate of my claim.
Sir, I have badly suffered since last five months both mentally and my work has also got hampered. They are testing my patience. Even till date I am paying Rs25/- per day garage cost which comes to Rs 3750/- .who will bear this cost?
I request you to intervene and please help me to get this issue resolved as I don’t have any trust on them who are giving me contrary statements. I don’t know what personal interests they are having for this harassment which I am not being able to sense it?
Till date I don’t know what is the fate of my claim.
Kindly look into it and help me to solve the issue.
Thanks and Regards
PROLOYJIT GHOSH,
MOBILE –9232049089,
Subhas Pally,
Benachity,
Durgapur–713213,
DIST—BURDWAN,
State–West Bengal.
dear sir/madam
My honda shine insurance policy has expired today (17/02/2016). please provide us detail how to renew it through the national insurance policy.
Does insurance cover the engine damage in the accident.
i forget my policy no show can i get it beck ?
I have submitted all document related my bike thrived by thief
Any one plz tell me how many days after I will get claim amount from insurance co.
fake company h. plzzz choose other company for ur property or vehicles.
I want to renewal of my existing Two wheeler insurance policy.
Mene apni bike passion pro 14 july 2016 ke din insurance karayi national insurance company se and then 16 july morning me 5.45 am par mujhse bike thuk gayi.. Bike ko kafi nuksan hua. To ab mujhe claim kitne time k andar milega? How many months?? Plaesa sir report me
After insured my bike properly. In case After 1 day i get accident can i get two wheeler claim? In how many days?? Please answer me sir..
my policy is renewed.57020331166265000232 But I didn’t take the print out of the policy.How can I take the print out.
i tried renewing my two wheeler insurance policy online, my previous policy number consists of 18 digits where as the website is not accepting the same, it requires 20 digit policy number . how do i go about renewing my insurance policy
Please arrange some field network to Connect the people. Very difficult to approach u
Online payment… I have only 18 digit policy number in receipt… But online want to 20 digit num… What can do sir
sir,
My Two wheeler insurance policy no. is 650200/31/15/6200003591 and is expiring on 10/01/2017. While trying to renew it through online, the message says that the vehicle is more than 10years old and cannot be renewed online. Now I’m out of station and may take some to return. How can I renew the insurance on time.? Should i send the insurance copy by courier or by email to the branch (NIC Br. State bank Road, Coimbatore) and pay the amount online? Please suggest.
Best Regards
T.C.PIUS