IRDAI product register · general insurance
National Insurance Company Policy Wordings
IRDAI's non-life product register lists 14 National Insurance products and 45 add-ons, approved 2017 to 2022. Each is below with its UIN and a link to its policy wording on irdai.gov.in, grouped by line of cover.
The wording is the contract a claim is decided on; the brochure is not. Built from IRDAI's register of non-life insurance products.
Lines: Fire and property · Shop, office, home and business packages · Motor · Crop and rural · Specialty: title, warranty, drones and more
Fire and property (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Shopkeepers Insurance Policy | IRDAN058RP0099V02200001 | 29 Sep 2021 | Wording |
Shop, office, home and business packages (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| House Holders Insurance Policy | IRDAN058RP0101V02200001 | 1 Sep 2021 | Wording |
| Office Package Insurance Policy | IRDAN058RP0098V02200001 | 8 Oct 2021 | Wording |
Motor (6)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
Long Term Private Car Bundled Policy6 add-ons
| IRDAN058RP0006V01201819 | 30 Aug 2018 | Wording |
| Long Term Private Car Liability Only Policy for 3 years | IRDAN058RP0002V01201819 | 30 Aug 2018 | Wording |
Long Term Private Car Package Policy for 3 years5 add-ons
| IRDAN058RP0004V01201819 | 30 Aug 2018 | Wording |
Long Term Two Wheelers Bundled Policy5 add-ons
| IRDAN058RP0005V01201819 | 30 Aug 2018 | Wording |
| Long Term Two Wheelers Liability Only Policy for 5 years | IRDAN058RP0001V01201819 | 30 Aug 2018 | Wording |
Long Term Two Wheelers Package Policy for 5 years4 add-ons
| IRDAN058RP0003V01201819 | 30 Aug 2018 | Wording |
Crop and rural (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Pradhan Mantri Fasal Bima Yojana | IRDAN058P0001V01201617 | 30 Mar 2017 | Wording |
| Restructured Weather Based Crop Insurance Scheme | IRDAN058P0001V01201718 | 23 Jun 2017 | Wording |
Specialty: title, warranty, drones and more (3)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| National Drone Insurance Policy | IRDAN058RP0016V02202122 | 24 May 2022 | Wording |
| National Drone Insurance Policy | IRDAN058RP0016V01202122 | 2 Nov 2021 | Wording |
| Title Insurance Policy | IRDAN058P0009V01201718 | 30 Jan 2018 | Wording |
Add-ons filed on their own (25)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| Additional Customs Duty-National Bharat Laghu Udyam Suraksha Policy | IRDAN058RP0007V01202021/A0009V01202122 | 25 Jun 2021 | Wording |
| Additional Customs Duty-National Bharat Sookshma Udyam Suraksha | IRDAN058RP0008V01202021/A0011V01202122 | 25 Jun 2021 | Wording |
| Consumables Protect Add on | IRDAN058RP0038V01100001/A0001V01202223 | 10 May 2022 | Wording |
| Dewatering Expenses-National Bharat Laghu Udyam Suraksha Policy | IRDAN058RP0007V01202021/A0007V01202122 | 25 Jun 2021 | Wording |
| Dewatering Expenses-National Bharat Sookshma Udyam Suraksha | IRDAN058RP0008V01202021/A0012V01202122 | 25 Jun 2021 | Wording |
| EMI Protect Add on-National Stand Alone Private Car Own Damage Cover | IRDAN058RP0004V01201920/A0003V01202122 | 28 May 2021 | Wording |
| EMI Protect Add on-National Stand Alone Two Wheeler Own Damage Cover | IRDAN058RP0003V01201920/A0004V01202122 | 28 May 2021 | Wording |
| EMI Protect Add on-Private Car Package Policy | IRDAN058RP0034V01100001/A0001V01202122 | 28 May 2021 | Wording |
| EMI Protect Add on-Two Wheeler Package Policy | IRDAN058RP0036V01100001/A0006V01202122 | 28 May 2021 | Wording |
| Escalation Clause | IRDAN058RP0007V02202021/A0005V01202223 | 26 May 2022 | Wording |
| Escalation Clause | IRDAN058RP0008V02202021/A0003V01202223 | 26 May 2022 | Wording |
| Impact Damage due to Insured's own objects | IRDAN058RP0007V02202021/A0004V01202223 | 26 May 2022 | Wording |
| Impact Damage due to Insured's own objects | IRDAN058RP0008V02202021/A0002V01202223 | 26 May 2022 | Wording |
| Landscaping Cost Extension Add On-National Bharat Griha Raksha Policy | IRDAN058RP0009V01202021/A0015V01202122 | 25 Jun 2021 | Wording |
| Nil Depraciation Plus (Add-on to Private Car Package Policy) | IRDAN058A0008V01201718 | 22 Jan 2018 | Wording |
| Nil Depraciation Plus (Add-on to Two Wheeler Package Policy) | IRDAN058A0006V01201718 | 22 Jan 2018 | Wording |
| Nil Depreciation (Add-on to Long Term Two Wheeler Package Policy) | IRDAN058A0004V01201718 | 22 Jan 2018 | Wording |
| Nil Depreciation (Add-on to Private Car Package Policy) | IRDAN058A0007V01201718 | 22 Jan 2018 | Wording |
| Nil Depreciation (Add-on to Two Wheeler Package Policy) | IRDAN058A0005V01201718 | 22 Jan 2018 | Wording |
| Nil Depreciation Plus (Add-on to Long Term Two Wheeler Package Policy) | IRDAN058A0003V01201718 | 22 Jan 2018 | Wording |
| Obsolete Parts-National Bharat Laghu Udyam Suraksha Policy | IRDAN058RP0007V01202021/A0008V01202122 | 25 Jun 2021 | Wording |
| Obsolete Parts-National Bharat Sookshma Udyam Suraksha Policy | IRDAN058RP0008V01202021/A0010V01202122 | 25 Jun 2021 | Wording |
| Road Side Assistance (Add-on to Private Car Package Policy) | IRDAN058A0002V01201718 | 22 Jan 2018 | Wording |
| Undamaged Foundation Extension Add On-National Bharat Griha Raksha Policy | IRDAN058RP0009V01202021/A0013V01202122 | 25 Jun 2021 | Wording |
| स्मोक दमगे एक्सटेंशन एड ओन-नेशनल भारत गृह रक्षा पॉलिसी | IRDAN058RP0009V01202021/A0014V01202122 | 25 Jun 2021 | Wording |
Names in the register
IRDAI registration number 058. Filed as: National Insurance Co. Ltd..
Why the wording matters more than the brochure
A policy is the schedule, the wording and any endorsements, read together. The brochure and the insurer's web page summarise it and say so in their own footers. When a claim is disputed, the surveyor, the insurer and the Ombudsman all read the wording, so it is the document to read before renewal, not after a loss.
Below fifty crore of value at risk, fire cover is IRDAI's standard product and the wording is the same whoever sells it. Above it, and on most liability, engineering and marine covers, the wordings differ and comparing them is the point of using a broker.
Reading a UIN
Every product IRDAI approves carries a Unique Identification Number. For a general insurance product it begins IRDAN, and the three digits that follow are the insurer's IRDAI registration number, which is how this library keeps an insurer's products together through a change of name. The V01, V02 that follow mark the version of the wording. An add-on carries its parent product's UIN with its own /A suffix, or a UIN of its own where it was filed alone.
The UIN is printed on your policy schedule. Match it here and you have the wording your policy was issued on. If your schedule shows a version this library does not list, the insurer has filed a newer one since.
Frequently asked questions
Where can I find National Insurance policy wordings?
Above: every National Insurance product in IRDAI's non-life register, with the link to its wording PDF on irdai.gov.in. Match the UIN on your policy schedule.
How many National Insurance general insurance products are in IRDAI's register?
14 products and 45 add-ons, approved 2017 to 2022.
Which lines of cover does National Insurance file most?
By number of products in the register: motor 6, specialty: title, warranty, drones and more 3, shop, office, home and business packages 2, crop and rural 2.
All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.