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National Insurance – How to File an Insurance Complaint to National Insurance Company Limited?


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National Insurance Company (NIC) Logo
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National Insurance Company Limited was incorporated under the General Insurance Business Nationalisation Act in 1972 and it became one of the four subsidiaries of the Indian General Insurance Companies, fully owned by the government of India. In August 2002, National Insurance was delinked and became an independent company.

National Insurance provides various general insurance services like Motor insurance, health, fire, marine, engineering, rural, and government scheme-based insurance policy products and services. It also operates in foreign countries with insurance service availability.

Notice - Be alert! Don't share the financial or banking details and don't share OTP to customer care executive. Protect yourself from Frauds and Scams. Report to Cyber Crime Bureau or Call 1930 as soon as possible to protect your earnings and others.

If you are a policyholder or facing any issue with the insurance services or products of National Insurance then you can register a complaint by the given helplines of the company. Customers can call the helpline number or can lodge an online complaint about these services or products.

Products and Services of National Insurance are:

  • Personal Insurance Policies and Services: Personal accident, health insurance, household and shopkeep’s insurance, life/term insurance, and other personal insurance policies.
  • Motor Vehicle Insurance: Two-wheeler, four-wheeler, heavy vehicle insurance, and other types of vehicle insurance.
  • Rural Insurance: Livestock, Agricultural, PM Fasal Bima Yojana, and other rural product insurance.
  • Commercial & Industrial Insurance: Power plants, business entities, and establishments, industrial companies & units, to protect from fire & allied perils, accidents, natural calamities, etc.

National Insurance has a good grievance redressal system and customers can use any available method to raise a complaint. The toll-free customer care number, e-mail, and online grievance registration portals are the easiest methods to get faster redressal of issues and disputes.

The Common Insurance Issues:

  • Insurance Policy Related: Insurance Claim related issues (maturity or death claims), premium payments, online payment transaction issues, refund/deposit complaints, vehicle or claim settlement delays, due premiums, health insurance problems, branch transfer, or other related complaints.
  • Official/Business Activities: Higher charges, corruption or bribery by employees or agents, unethical practices, or other frauds in the name of India Insurance.

Note – If you have already registered a complaint with the concerned authority of National Insurance and have yet not resolved it or are not satisfied with the final order then you can escalate the grievance to the higher Grievance Redressal Officer.
Further, you can approach IRDAI (Insurance Regulatory and Development Authority of India).

How to Register a Complaint to National Insurance?

National Insurance Company is a public-sector insurance company that has a faster and more transparent integrated consumer grievance redressal mechanism. You as a policyholder or customer can use this system to raise the complaint.

You can call the customer care representative on the toll-free customer care number. Also, send an e-mail or lodge an online complaint through the mobile app or online portal of National Insurance. The issues will be resolved within the given time limit.

Complaint Registration Fee and Redressal Time Limit:

Registration Fee ₹0 (No Charges)
Redressal Time Limit 15 days

To Know more, read Citizen Charter of National Insurance

Tips – If your complaint is yet not resolved within 15 days or as specified by the officials, you can approach the higher grievance redressal officers (GROs) of the divisional office. Further, you can escalate it to the Zonal office.

Note – IRDAI is the higher authority that regulates the activities of the Insurance Companies, If you are not satisfied with the National Insurance then lodge an online complaint to IRDAI and the Insurance Ombudsman to resolve the disputes and get what you deserve.

National Insurance Customer Care Numbers and E-mails

The Toll-Free customer care numbers, e-mails, and IVRS numbers are available to resolve the queries, help, or issues of the policyholders. You can register a complaint about the insurance products and services of the National Insurance on these helpline numbers and e-mails.

Toll-Free Customer Care Numbers of National Insurance:

National Insurance Complaint Number 18003450330, 03368110000
03325370070, 04027700011
Help & Queries Helpline Number 18003454033, 03322831742
Divisional and Branch Officer Contact Numbers View/Download
Office Location and Contact Details Click to contact

E-mails to Lodge Complaints:

Types of Complaint E-mail
Help, Facility Counters, and Complaints
Other Queries and Issues
Customer Portal-Related Complaints
Intermediary agent portal queries and Issues
Report Frauds and Scams

Tips – After successful registration of your complaint, note down the reference number or complaint number to track the status and for future reference.

Provide the following details in the e-mail and to the customer care representative:

  • Policy Number and Personal Details (Name, Phone number, and address).
  • Description of the issue.
  • Any document (If asked by the officials).

Note – If your grievance is yet not resolved, you can approach the grievance redressal officers of the divisional and branch office of National Insurance or can lodge an online complaint.

File an Online Complaint

The online grievance registration portal of National Insurance has made it an easy process to file an online complaint. You just need to open the online complaint form and fill out the required details. Finally, submit it and use the reference number to track the status, or even can escalate it to the higher grievance officers.

Links of National Insurance Portal to Lodge an Online Complaint:

Register Online Complaint to National Insurance File Complaint
Log in to Lodge a Grievance Login Here
Download the Complaint Registration Form/Format View/Download
Send Feedback Click Here

Note – If your grievance is not resolved within 15 days then escalate it to the Grievance Redressal Officers at the Divisional Office and Further to the Head office.

Physical Application: You can also write a physical application as per the given complaint registration form (download from the table). Mention all the required information and submit it to the Grievance Officer or manager of the divisional branch office.

Procedure to File an Online Complaint:

Step 1: Visit the link to ‘file an online complaint’ from the table above. and register on the Grievance Management System (GMS) of National Insurance.

Online Complaint Registration Guide (Screenshot)
Online Complaint Registration Guide (Screenshot)

Step 2: Log in to the GMS portal and click ‘Post New Grievance’ to open the online form.

Online New Grienace Registration Guide, National Insurance (Screenshot)
Online New Grienace Registration Guide, National Insurance (Screenshot)

Step 3: Fill out the online grievance form with the details of the category of insurance, policy number, Insurance details, category of the grievance, description of the grievance, and other asked information.

Online Grievance form guide, National Insurance (Screenshot)
Online Grievance form guide, National Insurance (Screenshot)

Step 4: Finally submit the form and note down the reference number for future usage. To track the status of the complaint, log in again and click the view status option.

Note – Yet not resolved or unsatisfied with final redressal of complaint? Write an application/letter in the given format of the offline/physical complaint form from the above table to the zonal and head office of National Insurance. Read more from the section below.

Online Insurance Services

Important online insurance services like premium payment, applying for claims, checking the status of claims, purchasing new insurance policies, and other policy services of National Insurance.

Links of the Online Insurance Services:

SMS for Motor Claim
“MOTORODCLAIM (PolicyNumber)”
Login/Signup (Customer/ Intermediary/ BD officials) Click to login/register
Quick Renewal (Apply Online) Click to renew
Track Claim Status Track Here
Apply Online for Motor Vehicle Insurance Apply Now

Grievance Redressal Officer, National Insurance

The Grievance Redressal Officers are the higher authorities to resolve the unsatisfied and pending (more than 15 days) registered complaints of the policyholders/consumers. National Insurance ensures to take care of that each issue must be resolved within the given time limit to provide seamless and faster services.

If your complaint is yet not resolved or not satisfied with the redressal then escalate it to the zonal CRM officer, and after 15 days, further to the Grievance Officer (CRM) of head office. You can send an e-mail or can contact them by the phone numbers of the officials.

Tips – You can also write an application mentioning the complaint number or acknowledgement number of the previous complaint and policy number with a description of the issue and responses.

Level – 1: E-mail and Contact Details of the Grievance Redressal Officers (GROs), National Insurance:

Regional Officer (Manager) E-mail and Contact Numbers View/Contact

Level – 2: Head Office Contact Details of National Insurance:

If your grievance is not resolved within 15 days by the regional officers then escalate it to the CRM officer of the head office of National Insurance.

Note – Not resolved within 15 days or unsatisfied redressal of the complaint? File an online grievance to the IRDAI and Insurance Ombudsman. Get more details below.

File Compliant to IRDAI and Insurance Ombudsman

The Insurance Regulatory and Development Authority of India is the apex body that regulates insurance companies and ensures the protection of the interests of consumers and policyholders. If your complaint is not resolved or not satisfied with the final level Grievance Redressal Officers (GROs) at the Head office of the National Insurance then you can file an online complaint at the IRDAI by Bima Bharosa portal.

Note – Further, if your grievance is not resolved you can file an online petition or case to the Insurance Ombudsman (Council of the Insurance Ombudsman) with the required information (disputed value up to 30 lakh).
To file an online petition visit the link given below.

Click: File an online complaint/petition to the IRDAI and Insurance Ombudsman

Important – If the dispute is more than ₹30 lakh then you can file an online petition or case to the concerned consumer commission at the E-DAAKHIL portal. For this visit the link below.

Click: File an Online Petition to the Consumer Commission at E-DAAKHIL

Tips – If you are yet not satisfied then you may approach the legal court (High Court of the State or Supreme Court of India)

Frequently Asked Questions about National Insurance

Q. What is the customer care number of the National Insurance Company (NIC)?
A. The toll-free customer care numbers of National Insurance (NIC) are 18003450330, and 18003454033 where you can file a complaint.

Q. Where can I lodge a grievance if my complaint is not resolved by National Insurance?
A. You can lodge a grievance to the Grievance Redressal Officers (GROs) at the divisional office and further escalate it to the Head office of the National Insurance Company (NIC). Yet unsatisfied or unresolved? You can file a petition/case to the IRDAI and Insurance Ombudsman.


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