Get covered with Navi Motor Insurance
Fast & Easy Policy Issuance
Instant Policy Access
Direct Purchase. No Extra Costs
Why Navi Motor Insurance?
Quick & Hassle-Free Policy Issuance
Get your motor insurance policy instantly with minimal documentation
No Middlemen. No Extra Charges
Buy directly and save more with transparent pricing
24/7 Claims Support
Round-the-clock support provided by our claims relationship manager
Instant Policy Access
Instant coverage anywhere in India
Tailored Protection
Choose coverage that fits your driving needs and vehicle type
Navi Motor Insurance Coverages
Third-Party Liability Cover
Protects you against legal and financial liabilities arising from damage or injury to third parties
Own Damage Protection
Covers accidental damages to your vehicle including collision, fire, or natural calamities
Easy Add-On Options
Customize your coverage with optional add-ons tailored to your driving needs
Personal Accident Cover
Provides financial protection for the owner-driver in case of accidental injury while driving
24/7 Nationwide Assistance
Support available across India for claims, repairs, and policy services
Third-Party Liability Cover
Protects you against legal and financial liabilities arising from damage or injury to third parties
Own Damage Protection
Covers accidental damages to your vehicle including collision, fire, or natural calamities
Easy Add-On Options
Customize your coverage with optional add-ons tailored to your driving needs
Personal Accident Cover
Provides financial protection for the owner-driver in case of accidental injury while driving
24/7 Nationwide Assistance
Support available across India for claims, repairs, and policy services
How to Buy Motor Insurance?
Get the Navi App
Download the Navi App from Play Store or App Store
Enter Vehicle Details
Share your vehicle registration number or other basic details
Get Instant Quote
Receive a personalized quote based on your vehicle information
Make payment
Complete your payment securely through the app
Get Policy Instantly
Access your motor insurance policy instantly on the Navi app
Enjoy Hassle-free Claim Settlement!
Cashless claim process
- Call our toll-free number 7406012341 to register your claim
- We'll arrange an inspection to capture damage details and photos.
- After approval, get your car repaired at a Navi network garage.
- Pay nothing at the time of repair - Navi settles directly with the garage.
Reimbursement Claim Process
- Call our toll-free number 7406012341 to register your claim
- We'll inspect the vehicle and approve the estimated damages
- You can then proceed with repairs at your preferred garage
- Once verified, Navi reimburses the approved claim amount directly to your bank account
Frequently Asked Questions
What if I drive with an expired policy?
Driving with an expired policy is illegal in India. You face heavy fines (up to ₹5,000) and potential imprisonment. More critically, if you cause an accident, you'll be personally liable for all damages or injuries to others, leading to huge financial and legal burdens. Don't risk it!
What's a Third Party motor insurance?
It's a mandatory insurance that protects you from financial and legal liabilities if your vehicle causes damage, injury, or death to a 'third party' (another person, vehicle, or property). It doesn't cover damages to your own vehicle.
How are Third Party premiums calculated?
Third Party premiums are fixed by IRDAI (India's insurance regulator). They are primarily calculated based on your vehicle's engine cubic capacity (cc) and vehicle type (e.g. car, bike). The price for the same vehicle and term is identical across all insurers, ensuring transparency.
What is not covered in a Third-Party policy?
A Third-Party policy does not cover damages to your own vehicle or personal injuries to you, the owner-driver, unless you specifically add a Personal Accident cover. It also excludes normal wear and tear of the vehicle or any kind of mechanical breakdown.
What is Own Damage (OD) Motor Insurance?
OD Motor Insurance protects your own vehicle against damages caused by accidents, fire, theft, or natural disasters.
Is Own Damage cover mandatory?
No, OD insurance is optional. What's mandatory by law is Third-Party Liability cover. However, combining both gives you comprehensive protection.
What is not covered in an OD policy?
Own Damage insurance does not cover third-party liabilities, which require a separate Third-Party policy. It also excludes regular wear and tear, pre-existing damages, and any loss arising from using a private vehicle for commercial purposes. Additionally, claims are not valid if the accident occurs due to illegal driving, such as driving without a valid license or under the influence of alcohol or drugs.
What is Comprehensive Motor Insurance?
It's an all-in-one policy that covers both third-party liabilities (mandatory by law) and damages to your own vehicle.
What is not covered in a Comprehensive policy?
A Comprehensive plan does not cover regular wear and tear, pre-existing damages, or losses arising when a private vehicle is used for commercial purposes. It also excludes claims resulting from illegal driving, such as driving without a valid license or under the influence of alcohol or drugs.
Product Documents
Navi General Insurance Limited
IRDAI REGISTRATION NO: 155
CIN: U66000KA2016PLC148551
Vaishnavi Tech Square, 10th Floor, Iballur Village Taluk, Bagalur, Begur, Bengaluru, Karnataka 560102
CIN: U66000KA2016PLC148551
Vaishnavi Tech Square, 10th Floor, Iballur Village Taluk, Bagalur, Begur, Bengaluru, Karnataka 560102
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