IRDAI product register · general insurance
The New India Assurance Company Policy Wordings
IRDAI's non-life product register lists 15 New India Assurance products and 36 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 · Liability · Motor · Crop and rural · Specialty: title, warranty, drones and more
Fire and property (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| New India Solar Energy Insurance Policy | IRDAN190CP0017V01201819 | 30 Jul 2018 | Wording |
Shop, office, home and business packages (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| New India Bharat Flexi Griha Raksha Policy | IRDAN190RP0032V01202223 | 26 Aug 2022 | Wording |
Liability (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| PROTECTION AND INDEMNITY INSURANCE | IRDAN190RP0002V02201718 | 4 Dec 2018 | Wording |
| PROTECTION AND INDEMNITY INSURANCE | IRDAN190P0002V01201718 | 16 Feb 2018 | Wording |
Motor (8)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Bundled Motor Policy for Private Cars | IRDAN190RP0023V02201819 | 16 Feb 2020 | Wording |
| Bundled Motor Policy for Private Cars | IRDAN190RP0023V01201819 | 30 Aug 2018 | Wording |
| Bundled Motor Policy for Two Wheelers | IRDAN190RP0022V02201819 | 16 Feb 2020 | Wording |
| Bundled Motor Policy for Two Wheelers | IRDAN190RP0022V01201819 | 30 Aug 2018 | Wording |
| Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies | IRDAN190RP0058V02201819 | 16 Feb 2020 | Wording |
| Compulsory Personal Accident (Owner-Driver) under Motor Insurance Policies | IRDAN190RP0058V01201819 | 12 Dec 2018 | Wording |
| Five Years Long Term Motor Two Wheeler Package Policy | IRDAN190RP0020V01201819 | 30 Aug 2018 | Wording |
| Three Years Long Term Motor Private Car Package Policy | IRDAN190RP0021V01201819 | 30 Aug 2018 | Wording |
Crop and rural (2)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| Pradhan Mantri Fasal Bima Yojana (PMFBY) | IRDAN190P0002V01201617 | 23 Mar 2017 | Wording |
| SARAL SAMPURNA KISAN BIMA | IRDAN190RP0033V01202223 | 22 Sep 2022 | Wording |
Specialty: title, warranty, drones and more (1)
| Product | UIN | Approved | Policy wording |
|---|---|---|---|
| New India Unmanned Aircraft System (UAS/UAV/RPAS/Drone) Insurance | IRDAN190RP0036V01202223 | 12 Oct 2022 | Wording |
Add-ons filed on their own (36)
Add-ons whose parent product is not itself in the register, or which were filed without one.
| Add-on | UIN | Approved | Policy wording |
|---|---|---|---|
| 1 Spoilage Material Damage cover | IRDAN190RP0011V02202021/A0013V01202223 | 12 Jul 2022 | Wording |
| 1 Spoilage Material Damage cover | IRDAN190RP0012V02202021/A0022V01202223 | 12 Jul 2022 | Wording |
| 2 Loss of Rent | IRDAN190RP0011V02202021/A0014V01202223 | 12 Jul 2022 | Wording |
| 2 Loss of Rent | IRDAN190RP0012V02202021/A0023V01202223 | 12 Jul 2022 | Wording |
| 3 Immediate Repair | IRDAN190RP0011V02202021/A0015V01202223 | 12 Jul 2022 | Wording |
| 4 Brands & Trademarks clause | IRDAN190RP0011V02202021/A0016V01202223 | 12 Jul 2022 | Wording |
| 4 Brands & Trademarks clause | IRDAN190RP0012V02202021/A0020V01202223 | 12 Jul 2022 | Wording |
| 5 Impact Damage | IRDAN190RP0012V02202021/A0021V01202223 | 12 Jul 2022 | Wording |
| 5 Impact Damage due to Insured’s own Rail/Road Vehicles | IRDAN190RP0011V02202021/A0017V01202223 | 12 Jul 2022 | Wording |
| Brokerage for Alternate accommodation | IRDAN190RP0010V02202021/A0011V01202223 | 12 Jul 2022 | Wording |
| Claims Preparation cost | IRDAN190RP0010V02202021/A0009V01202223 | 12 Jul 2022 | Wording |
| Claims Preparation cost | IRDAN190RP0011V02202021/A0003V01202223 | 12 Jul 2022 | Wording |
| Claims Preparation cost | IRDAN190RP0012V02202021/A0027V01202223 | 12 Jul 2022 | Wording |
| Consumable Items Cover - Add on Cover under Two Wheeler Package Policy | IRDAN190RP0043V01100001/A0011V01201819 | 24 Jul 2018 | Wording |
| Deterioration of stock in cold storage premises | IRDAN190RP0011V02202021/A0005V01202223 | 12 Jul 2022 | Wording |
| Deterioration of stock in cold storage premises | IRDAN190RP0012V02202021/A0029V01202223 | 12 Jul 2022 | Wording |
| Engine Protect Cover - Add on Cover under Passenger Carrying Commercial Vehicle Package Policy | IRDAN190RP0044V01100001/A0013V01201819 | 24 Jul 2018 | Wording |
| Engine Protect Cover - Add on Cover under Two Wheeler Package Policy | IRDAN190RP0043V01100001/A0010V01201819 | 24 Jul 2018 | Wording |
| Escalation Cover | IRDAN190RP0011V02202021/A0001V01202223 | 12 Jul 2022 | Wording |
| Escalation Cover | IRDAN190RP0012V02202021/A0025V01202223 | 12 Jul 2022 | Wording |
| Immediate Repair | IRDAN190RP0012V02202021/A0019V01202223 | 12 Jul 2022 | Wording |
| Immediate Repairs for Building | IRDAN190RP0010V02202021/A0008V01202223 | 12 Jul 2022 | Wording |
| Inconvenience Allowance Cover-Add on cover under Passenger Carrying Commercial Vehicle Package Policy | IRDAN190RP0044V01100001/A0016V01201819 | 24 Jul 2018 | Wording |
| Involuntary betterment | IRDAN190RP0011V02202021/A0004V01202223 | 12 Jul 2022 | Wording |
| Involuntary betterment | IRDAN190RP0012V02202021/A0028V01202223 | 12 Jul 2022 | Wording |
| Key Protect Cover - Add on cover under Passenger Carrying Commercial Vehicle Package Policy | IRDAN190RP0044V01100001/A0014V01201819 | 24 Jul 2018 | Wording |
| Leakage & Overflow Oils & Chemicals | IRDAN190RP0011V02202021/A0002V01202223 | 12 Jul 2022 | Wording |
| Leakage & Overflow {Oils and Chemicals | IRDAN190RP0012V02202021/A0026V01202223 | 12 Jul 2022 | Wording |
| Loss Minimization Expenses | IRDAN190RP0010V02202021/A0007V01202223 | 12 Jul 2022 | Wording |
| Nil Depreciation Add on cover for Passenger Carrying Commercial Vehicle (upto 1+9 seater) | IRDAN190RP0044V01100001/A0002V02201415 | 24 Jul 2018 | Wording |
| No Claim Bonus (NCB) Protection Cover - Add on Cover under Two Wheeler Package Policy | IRDAN190RP0043V01100001/A0009V01201819 | 24 Jul 2018 | Wording |
| Omission to Insure additions, alterations or extensions | IRDAN190RP0010V02202021/A0010V01202223 | 12 Jul 2022 | Wording |
| Return to Invoice Cover - Add on Cover under Passenger Carrying Commercial Vehicle Package Policy | IRDAN190RP0044V01100001/A0012V01201819 | 24 Jul 2018 | Wording |
| Return to Invoice Cover - Add on Cover under Two Wheeler Package Policy | IRDAN190RP0043V01100001/A0008V01201819 | 24 Jul 2018 | Wording |
| Road Tax Cover - Add on Cover under Two Wheelers Package Policy | IRDAN190RP0043V01100001/A0007V01201819 | 24 Jul 2018 | Wording |
| Tyre & Alloy Cover - Add on Cover under Passenger Carrying Commercial Vehicle Package Policy | IRDAN190RP0044V01100001/A0015V01201819 | 24 Jul 2018 | Wording |
Names in the register
IRDAI registration number 190. Filed as: The New India Assurance 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 New India Assurance policy wordings?
Above: every New India Assurance 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 New India Assurance general insurance products are in IRDAI's register?
15 products and 36 add-ons, approved 2017 to 2022.
Which lines of cover does New India Assurance file most?
By number of products in the register: motor 8, liability 2, crop and rural 2, fire and property 1.
All insurers · comparing wordings · what to do when a claim is disputed · claim settlement ratios.