Frequently Asked Questions

General Questions

What is insurance?

Insurance is a financial agreement that provides compensation for specified loss, damage, or injury in return for the payment of a premium.

Why do I need insurance?

Insurance provides financial protection against unforeseen events, helping you cover costs that could otherwise be a financial burden for yourself.

What is a deductible?

A deductible is the amount you are responsible for paying toward an insured loss.

How do I get an insurance quote?

Please refer to the tab “Request a Quote”

Do you offer specialized insurance, like pet or travel insurance?

Unfortunately we do not

Types of Insurance

What type of insurances do you offer?

We offer a variety of insurance types, including home, auto, and business insurance.

Can I bundle multiple types of insurance for a discount?

That is possible when you bundle more than one type of insurance.

Premiums and Payments

How are insurance premiums calculated?

Premiums are calculated based on a variety of factors including the type of coverage, the risk involved, your personal history, and other variables depending on the type of insurance.

What payment options are available?

We offer several payment options including online payments and cash or swipe at our office.

Coverage and Policies

How do I know what coverage I need?

Our agents can help you assess your needs and recommend appropriate coverage levels. You can also use online tools on our website to get an estimate.

How can I change my coverage?

You can adjust your coverage by contacting our customer service team, or by passing by our office and/or your broker.

Filing Claims

What should I do if I am involved in an accident or incident?

– Call 165
– Ensure that everyone is safe
– Contact your insurance company as soon as possible
– Have all relevant information ready, such as policy number, etc.

How do I file a claim?

You can file a claim through our online portal, mobile app, e-mail, or by calling our claims department and/or your broker.

What should I do if someone files a claim against me?

Contact your insurance company immediately to report the claim and follow their guidance on how to proceed.

How long does it take to process a claim?

Processing time varies depending on the type and complexity of the claim, but we aim to resolve all claims as quickly as possible.

Renewal and Cancellations

How do I renew my policy?

You will receive an e-mail or SMS reminding you hereof.

Can I cancel my policy anytime?

Yes, you can cancel your policy at any time, though cancellation fees may apply.

Additional Services

Do you offer any coverage extension?

Yes, we offer a variety of coverage extensions that can be included in your policy for an additional fee.

How do I add or remove a driver or family member from my policy?

You can add or remove individuals from your policy by contacting our customer service team or your broker.

Customer Support

How can I get in touch with New India Assurance customer service?

Our team is available via phone, email, and WhatsApp line. Visit our “Contact Us” page for more details.

Motor Insurance

What are the different types of auto insurance coverage?

– Full Value Policy
– Smart Economy Car
– Third Party Smart
– Third Party

What is third-party liability coverage?

Third-party liability coverage protects you from legal liability toward Third Parties.

Do you offer any discounts?

Yes, we offer various discounts such as safe driver. Contact us for more information.

Can I add family members to my policy?

Yes, you can. Restrictions may apply.

Do you offer roadside assistance?

Yes, our auto insurance policies include a roadside assistance package for free.

Home Insurance

What types of home insurance coverages are available?

– Fire Only
– Fire All Extended
– Smart Economy Cas

Do you offer coverage for floods or earthquakes?

Flood and earthquake coverage is offered depending on the type of coverage you have in place.

Can I add coverage for expensive personal items?

Yes, you can add specific high-value items such as jewelry or artwork.

Liability Insurance

What types of liability insurance are available?

Various types of liability insurance are available, including General Liability, Professional Liability, and Product Liability insurance, among others.