New India Assurance Car Insurance Claim

New India Assurance is a multinational general insurance company headquartered in Mumbai, India. At present, the company has an extensive network in 28 countries and offers multiple insurance products such as motor, liability, property, engineering, marine cargo, and other business insurance products.

Besides these offerings, another remarkable feature of the company is its swift claim process and customer satisfaction. In this article, we will exclusively discuss its car insurance and understand the New India Assurance car insurance claim process in detail.

Claim Process of New India Assurance Car Insurance in UAE

The process for making a New India Assurance car insurance claim is a hassle-free and effortless one.

Nevertheless, you must ensure to carry out the process precisely to avoid any issues later. This is because if you make any mistakes in the claim process, chances are that your provider will reject the claim.

Here is the set of instructions for filing a car insurance claim -

• Step1- The first step here is to obtain a police report. Go to your nearest police station and inform them about the entire situation.
• Step2- To tow your car to a car repair station, get connected with your provider’s free roadside assistance officials.
• Step3- Immediately inform your provider to initiate the claim process.
• Step4- Download the insurance claim form from your insurance provider’s website and fill it out correctly.
• Step5- Upload and attach all the necessary documents and send them via email.
• Step6- The concerned authorities of the car repair station will analyse your car's damages and create an invoice for the same.
• Step7- They will send the invoice to your insurance provider for final approval.
• Step8- Upon approval from the insurer’s end, the servicing of your car will begin.
• Step9- You will receive a message regarding the expected date of car delivery.
• Step10- Collect your car from the repairer and complete further documentation (if any). 

List of Documents Required During New India Assurance Claim Settlement

While filing a New India Assurance car insurance claim, it’s important to submit the following list of documents -

• A valid copy of the police report
• A valid copy of the Emirates ID card of the individual driving the vehicle at the time of the accident (both sides)
• A valid copy of the vehicle registration (both sides)
• A valid copy of the driving licence of the person driving the vehicle at the time of the accident (both sides)

How to File a New India Assurance Car Insurance Claim?

You can simply visit the official website of the New India Assurance and download the insurance claim form online to file a claim.

How to File Your Car Insurance Claim in the UAE

Common New India Assurance Car Insurance Claim Rejection Reasons

Car insurance is a crucial aspect of owning a vehicle in the UAE. Mandatory for car owners, car insurance provides financial protection in case of accidents, theft, or damage to your car. However, at times, your insurance claim may not be approved due to several reasons.

For your reference, we have mentioned some of the common reasons for car insurance claim rejections in the UAE -

• Reason1:- Policy Exclusions - One of the most common reasons for claim rejections is policy exclusions. Insurance policies have specific exclusions or limitations that are clearly mentioned in the policy document. If the cause of the claim falls within these exclusions, the claim will likely be rejected.
• Reason2:- Unpaid Premiums - Failing to pay your insurance premiums on time can lead to a rejection of your claim. Car insurance companies in the UAE have strict rules regarding premium payments — if your policy lapses due to non-payment, any claims made during that period are typically denied.
• Reason3:- Providing Incorrect, Incomplete, or False Information - Providing incorrect or false information when purchasing your insurance policy can result in claim rejections. This includes factors such as providing inaccurate information about your driving history, the intended use of the vehicle, or modifications made to the car. Insurance providers rely on this information to calculate premiums and assess risk, meaning that any misrepresentation can lead to a claim being denied.
• Reason4:- Delayed Reporting - Promptly reporting an incident to your insurance company is crucial. This is because delays in reporting accidents or damage can raise suspicions and lead to claim denials. Most insurance policies have specific timeframes within which incidents must be reported, so be sure to adhere to these timelines.
• Reason5:- Lack of Documentation - Insufficient documentation is a common reason for claim rejections. When filing a claim, you must provide all necessary documents, including a police report (in case of accidents or theft), photographs of the damage, repair estimates, and any other relevant evidence. Without proper documentation, the insurer may not be able to process your claim effectively.
• Reason6:- Driving Without a Valid Licence - Driving without a valid driver's licence is not only illegal but can also lead to claim rejections. If you are involved in an accident and don’t have a valid driving licence (or have an invalid one), your insurer may reject your request to cover the damages.
• Reason7:- Driving Under Influence - Driving under the influence of alcohol or drugs is a serious offence in the UAE. If you are found to be intoxicated at the time of an accident, your insurance claim can be rejected. This is because driving under such influence is a breach of the terms and conditions of insurance policies as well as UAE traffic regulations.
• Reason8:- Non-Compliance with Vehicle Regulations - UAE has specific regulations governing vehicle modifications. If your car does not meet these regulations and is involved in an accident, your claim may be denied. Modifications that were not disclosed to the insurance provider can also result in claim rejections.
• Reason9:- Unauthorised Drivers - Allowing an unauthorised driver to operate your vehicle can lead to claim rejections. Insurance policies typically specify who is allowed to drive the insured vehicle. If an accident occurs with an unauthorised driver behind the wheel, your claim may be denied.
• Reason10:- Pre-Existing Damage - Trying to file a claim for pre-existing damage is a common reason for claim rejections. Insurers assess the condition of the vehicle at the time the policy is issued, and any damage that existed before that is not covered. Trying to pass off pre-existing damage as a recent incident can lead to a claim being denied.
• Reason11:- Acts of Negligence - If the insurer determines that the accident or damage occurred due to your negligence, your claim is likely to be rejected. This includes actions like racing or reckless driving.
• Reason12:- Third-Party Disputes - Sometimes, claims get rejected due to disputes with third parties involved in an accident. If there is disagreement about liability or the circumstances of the accident, the insurer may withhold payment until the dispute is resolved.

New India Assurance Car Insurance Contact Details

You can get in touch with New India Assurance authorities by calling, sending queries online, or visiting their branch in person.

• Call: +97126440428
• Online: Visit the official website of the provider and scroll below to send your complaints and queries.
• Branch address: Ground Floor, Salem Saif Saqer Al Mehairbie building, Off Salam Street,  Beside KM Hypermarket, Tourist Club Area, Abu Dhabi

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