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Start every journey with confidence and your #CarKaYaar. With Reliance General Insurance car insurance policies, you get comprehensive protection for your vehicle. Secure your peace of mind and drive worry-free with us today! Enjoy tailor-made coverage that fits your specific needs, whether it is third-party liability or comprehensive car insurance. Plus, take advantage of our hassle-free claims process and 24x7 customer support.
Trust us to keep you and your car safe on the road, ensuring that your driving experience is always smooth and secure. We understand that every driver and vehicle has unique needs, which is why we offer a range of car insurance add-ons such as Nil Depreciation and 24x7 Roadside Assistance.Our four-wheeler insurance policies are designed not only to meet legal requirements but also to provide extra layers of protection that enhance your driving safety and comfort. Whether you are commuting to work, travelling on a family vacation or just running errands, our car insurance solutions provide the security and flexibility you need. With competitive premiums and easy online policy management, you can customise your coverage and handle all your insurance needs with just a few clicks. Make the smart choice for your car insurance policies with Reliance General Insurance, and experience the perfect blend of coverage, convenience and care.
Car insurance, or four-wheeler insurance, is not just a legal contract between you - the policyholder - and a general insurance company; it is a financial plan designed to protect your vehicle and offer financial relief in times of unexpected events. This legal agreement ensures your peace of mind by covering damages from accidents, theft and third-party liabilities.Having motor insurance is not just a prudent financial decision; it is a legal requirement. As per the Motor Vehicles Act of India, having a valid third-party liability auto insurance plan is compulsory for all vehicles on the road.
To better understand how four-wheeler insurance policies help you, let us look at an example: Imagine driving your new car, a shiny red beauty that represents your hard-earned investment. Despite your cautious driving, a truck swerving into your lane leads to an unavoidable collision. With Reliance General’s comprehensive car insurance policy, the financial impact of this accident, from repairing damages to the car and covering your medical expenses, would be significantly mitigated. This scenario underscores the importance of having a solid four-wheeler insurance plan in place to provide financial protection in unavoidable circumstances. With Reliance General, securing your vehicle against the unexpected is easy and reliable. Whether you are looking to buy car insurance online for the first time or seeking car insurance renewal online, our tailored policies, affordable prices and dedicated customer service ensure your vehicle is in good hands.
Car Insurance by Reliance General stands out for its comprehensive coverage, customer-centric features and competitive pricing.
Starting at ₹238/Month*
Reliance General provides competitive car insurance prices, ensuring affordability without sacrificing coverage. This approach guarantees top-notch protection for your vehicle at a price that suits your specific budget.
8,500+ Cashless Garages*
Gain access to the extensive network of Reliance cashless garages nationwide. The service includes free transportation of your car to and from the garage, emphasising convenience and efficiency in repairs.
Up to 50%*
Enjoy up to a 50% discount* on car insurance premiums after five claim-free years with Reliance General's NCB in insurance. This reward system encourages safe driving and claim-free records.
Up to 80%*
Reliance General offers premium discounts for car insurance online purchases. This digital convenience allows policy comparison and procurement from home, making savings accessible with a few clicks.
Easy Video Claims
We boast a 100% claim settlement ratio* for FY 2023-24. Our claims settlement process is enhanced by transparent video claims and real-time tracking, ensuring a smooth and reassuring experience for policyholders.
48 hours only
Report a claim and receive a call for a survey within 48 hours from us. This prompt response guarantees a swift, efficient and seamless claim settlement process, prioritising your convenience.
Pay only for the distance driven
The Pay-As-You-Drive option aligns your premium with your car's mileage. This innovative approach offers a fair and flexible premium system, ensuring you pay proportionately to your vehicle's usage.
Coverage for third-party property and persons
Reliance General covers all third-party liabilities, offering comprehensive protection against legal and financial consequences of damages, injuries or deaths caused to others by your vehicle.
Complete coverage for your vehicle
This coverage safeguards your car against damages from accidents, theft, fire, vandalism, and both natural and man-made disasters, ensuring your peace of mind in a range of scenarios.
Up to ₹15 lakhs
A mandatory cover providing financial protection for the owner-driver in the event of death or permanent disability resulting from an accident involving the insured vehicle, emphasizing safety and security.
10+ car insurance add-ons available
Customise your comprehensive car insurance with various add-ons like Nil Depreciation, Engine Protection and Return to Invoice among others, for enhanced coverage tailored to your specific needs.
Zero paperwork
Reliance General simplifies the process of purchase and car insurance renewal online. This convenience streamlines policy issuance, making it easy for policyholder to maintain continuous coverage effortlessly.
24x7 expert help
Reliance General's customer support is available round-the-clock to assist with purchases, claims, enquiries and any other insurance-related needs, ensuring you have the support you need, whenever you need it.
Reliance General offers a variety of car insurance options to suit the diverse needs of vehicle owners. Understanding the different types of policies can help you make an informed decision. Here are the three main types of four-wheeler insurance plans available:
Third-party car insurance meaning: A third-party liability insurance policy covers you against liabilities to third parties for injuries, death, and property damage when your vehicle is involved in an accident.
Features and benefits:
Own-damage insurance meaning: The Standalone Own Damage Insurance policy protects against vehicle damages caused by accidents, natural calamities, fire, and theft.
Comprehensive coverage meaning: Comprehensive Car Insurance also called first-party car insurance, offers the most extensive coverage. It combines third-party liability with own-damage protection and optionally includes add-ons like zero depreciation car insurance.
Meaning of zero depreciation car insurance: Zero depreciation car insurance, also known as nil depreciation cover, ensures that you receive the total cost of replacing car parts without deducting for depreciation in the event of a claim.
Choosing the right four-wheeler insurance policy depends on your specific requirements, the value of your vehicle, and how much protection you seek.
Reliance General strives to provide policies that cater to the unique needs of every car owner, ensuring safety, security and peace of mind on the road.
Both four-wheeler insurance types have their advantages and disadvantages, and the choice between third-party liability and comprehensive insurance policy depends on the level of coverage you seek and your budget.
Third-party car insurance is ideal for those seeking a cost-effective solution to meet legal requirements without the need for comprehensive vehicle protection. It is suitable for older cars or vehicles with lower usage.
Conversely, comprehensive coverage, or first-party car insurance, is recommended for new or high-value car owners looking for extensive coverage against both third-party liabilities and damages to their own vehicles. Comprehensive four-wheeler insurance is also ideal for those who want targeted protection with add-on covers.
Reliance General four-wheeler insurance policies are designed to offer comprehensive protection for your vehicle, ensuring peace of mind during your journeys.Our car insurance coverage includes:
While Reliance General car insurance offers extensive coverage to protect your vehicle, certain scenarios and damages are typically not covered.Understanding these four-wheeler insurance exclusions is crucial for you to navigate your coverage effectively and understand the limitations:
Covers financial liabilities arising from 3rd party liability claims, including damage to third-party property, injuries to individuals and death.
Reimbursement of repair or replacement costs resulting from collisions or road accidents of the insured vehicle.
Coverage for damages caused by theft of car or car parts based on the Insured Declared Value (IDV) of the vehicle.
Natural calamities covered in car insurance include floods, earthquakes, hurricanes and heavy rainfall.
Coverage for damages due to man-made events like riots, vandalism, strikes, terrorism and malicious acts.
Coverage for damages due to fire outbreak or explosion, including incidents while parked or in motion.
Coverage for animal attacks or rat bites in car insurance includes protection against such threats in the insured vehicle.
Protection against damages while the car is being transported by road, rail, inland waterway, air or lift from one place to another.
Compensation up to ₹15 lakhs for the owner-driver in case of accidental death or permanent total disability arising from a car accident.
The decrease in the car’s or car parts’ value due to wear and tear is not covered unless nil depreciation or return-to-invoice add-ons are opted for.
Damages resulting from a mechanical or electrical breakdown or failure caused by the vehicle's own mechanical failures are not covered.
Any damage caused while driving illegally, such as using the car for illegal races or in restricted areas, is not covered.
Damages/accidents caused by reckless driving or failure to follow the traffic rules by the owner-driver will not be covered.
Accidents/damages occurring when driving without a valid driving licence or necessary documents are not included.
Accidents occurring while the driver is under the influence of alcohol or drugs are not covered.
Damages or accidents occurring outside the geographical boundaries specified in your car insurance policy are not covered.
Any damage to the vehicle that existed prior to the start of the four-wheeler insurance policy is not covered.
Any damages caused by war (nuclear wars, civil wars, etc.), invasion, acts of foreign enemies, and so on will not be covered.
The usual degradation of the vehicle over time, including minor scratches, dents not caused by a covered event, and ageing of parts, is not included.
Damages to electrical components not caused by a covered peril (such as an accident or external damage) might not be covered.
For comprehensive coverage, consider add-on covers, such as nil depreciation, return-to-invoice, engine secure, etc., that can enhance your four-wheeler insurance policy and provide more extensive coverage.
Car insurance is a crucial lifesaver that protects you and your vehicle from various risks and uncertainties. Accidents, thefts, damages and liabilities can result in significant financial losses, but four-wheeler insurance offers a safety net that helps you mitigate these risks. It also helps to comply with legal requirements and offers peace of mind while driving on the roads.
Here are some top reasons why you should buy car insurance:
Car insurance is not just a legal formality but an essential part of your financial plan. It is a crucial investment in your financial security and peace of mind. It ensures that you, your vehicle and others on the road are protected against various risks and uncertainties.
Reliance General car insurance add-ons enhance the coverage of your base policy, allowing for customisation according to specific needs and concerns. Each four-wheeler insurance add-on offers specific benefits, ensuring a more comprehensive financial cover for your vehicle.
Some of our popular add-ons in car insurance are:
Also Read: How Add-ons Are Useful in a Car Insurance Policy?
Understanding the factors that affect your premium is vital for making informed decisions and ensuring the most cost-effective car insurance coverage.
The capacity of your car's engine will affect its insurance premium. The higher the engine's cubic capacity, the higher the premium.The Insurance Regulatory and Development Authority of India solely determines third-party insurance premium rates in India, and they are based on the engine's cubic capacity.
IDV refers to the current market value of your car after adjusting for depreciation. IDV for car insurance is the total value that you can claim in case of theft or complete damage to your car.Cars with higher IDV attract a higher premium.
The type of car insurance coverage, whether third-party car insurance, standalone own-damage car insurance, comprehensive car insurance, or zero-depreciation car insurance, is a significant factor in determining the cost.
Add-ons to car insurance offer enhanced coverage. However, they are available at an additional yet reasonable cost.The premium will increase based on the type and number of car insurance add-ons included in your policy.
The IDV for car insurance will reduce due to depreciation as your car ages. It means a brand-new car with a higher IDV will incur a higher premium compared to an older car.
Every car model has a distinct specification that determines factors such as safety ratings, repair expenses, and the cost of purchasing specific parts.These factors shape the risk profile for your car, which in turn affects your four-wheeler insurance premium.
Certain fuel types incur higher repair costs for specified parts. Additionally, the market value of the car and, thus, its IDV is determined by its fuel type.For this reason, they can increase your four-wheeler insurance premium.
Claims history is yet another important factor affecting your four-wheeler insurance premium. If you have not registered a claim during the previous policy year, you are eligible for a No-Claim Bonus.With the no-claim bonus in car insurance, you can benefit from progressive discounts that reduce your renewal premium for every claim-free year.
A car insurance deductible is the percentage of the claim amount that you will pay out of your pocket. If you choose a higher voluntary deductible in car insurance, you can benefit from a lower premium.However, a higher deductible means you will bear a higher proportion of the car insurance claim. Therefore, ensure that you strike the right balance based on your affordability.
Any modifications to your coverage, such as adding/deleting add-ons to the base cover, modifying IDV, using NCB discount or losing NCB due to claims, will affect your four-wheeler insurance premium.
Suppose you drive your car frequently in an accident-prone zone, flood-prone zone, or other similar riskier areas.Your car insurance premium will increase due to the higher probability of claiming insurance for car damage more extensively than in other places.
Anti-theft devices installed in your car can prevent unauthorised access and theft. By reducing the chances of theft, they can also reduce your car insurance premium.
As discussed here, your car insurance premium is determined based on your car's engine cubic capacity, make and model, accessories, and other specifications.Therefore, a modification to your car that can affect these factors will increase or decrease the risks involved and, apparently, the premium.Modifications that increase the risks will attract a higher premium. On the other hand, if more safety accessories or features are included, it can lower your premiums.
While insurance policies may have fine print that includes terms, conditions, exclusions, and special cases, the premium is the upfront cost that requires a closer look. It is more than just a number. You need to dig deep to get a thorough understanding of how that number really landed or what kind of calculation process is required.Now that you have seen the different factors that affect the four wheeler insurance premium, you estimate the car insurance premium cost for yourself! It helps you compare the different product solutions and choose the best car insurance policy for all your financial needs.Here are a few methods to calculate your car insurance premium.
● Using a car insurance premium calculator
A car insurance premium calculator is an online, simple, and user-friendly tool. You just need to input a few details, such as your car specifications, type of coverage required, and add-ons. And your car insurance premium will be right there! It is the most suitable method to calculate new car insurance.
● Using the IDV calculation formula
The IDV for your car insurance can be calculated using the following formula:
IDV = [Listed selling price of the manufacturer – depreciation] + [Cost of accessories not incorporated in the list price – applicable depreciation]
● Using the own-damage premium calculation
The formula to calculate the own-damage premium amount is:
Own-Damage Premium = IDV x [Premium Rate (decided by the insurer)] + [Add-Ons] - [Acquired Discounts and Benefits]
● Third-party car insurance premium
Third-party car insurance premium rates are determined by the Insurance Regulatory and Development Authority of India (IRDAI). The premium rates as of 2023 are as follows:
Single Premium For Cars - 1-Year Policy
Single Premium For Cars - 3-Year Policy
Single Premium For Electric Cars - 1-Year Policy
Single Premium For Electric Cars - 3-Year Policy
Reducing your car insurance premium is possible with several strategic choices and an understanding of the factors that influence premium costs. Here are some popular and easy ways to reduce your four-wheeler insurance cost:
Buying car insurance online with Reliance General Insurance not only simplifies the process but also brings a host of benefits tailored to enhance customer experience and satisfaction. Here are the advantages of buying four-wheeler insurance online:
Reliance General Insurance’s commitment to leveraging technology to enhance customer service can be seen in these online features. If you are looking to check car insurance online, buy a car insurance policy online or simply access your policy details anytime, we help you make it all more accessible and manageable.
The process to buy and renew car insurance online through our website is designed to be straightforward and user-friendly, enabling customers to secure their four-wheeler insurance coverage with ease.
Follow the below process to buy a car insurance policy online or renew an existing four-wheeler insurance policy from other providers with us.
A soft copy of the car insurance policy will be sent to your authorised email address.
You can visit our Self-Help Corner, download the Reliance Self-i App or simply call our 24x7 helpline for any assistance during or after you buy car insurance.
For car insurance renewal online for existing Reliance General insurance policies, follow the below steps:
Comparing car insurance plans online has significantly simplified the decision-making process for vehicle owners.Reliance General Insurance offers intuitive online calculators and purchase/renewal processes that compare car insurance policies side by side, along with their individual features.This makes it easy for you to clearly compare car insurance quotes, features and benefits of each plan, helping you make an informed choice that suits your specific needs.
Disclaimer: The above table is a simplified overview of the popular types of four-wheeler insurance policies based on general features. The actual coverage and benefits can vary based on specific policy terms and conditions.
Check the Policy Wordings for Reliance General car insurance plans to explore the complete list of features and coverages offered. Make an informed decision that provides the best protection for your website.
Choosing the right car insurance policy requires considering various factors to ensure you get the best protection that meets your needs and budget.
When selecting a four-wheeler insurance policy, keep the following points in mind:
The Insured Declared Value (IDV) represents the maximum amount you can claim in case of total loss or theft of your vehicle. Opting for a higher IDV increases the policy premium but ensures better coverage, while a lower IDV reduces the premium cost but offers lesser coverage.
Reliance General Advantage: We offer a choice of 3 IDVs, so you can choose based on your budget and coverage preference.
Compare car insurance policies and decide between comprehensive, third-party and own-damage cover. Third-party insurance satisfies the legal mandate but offers limited coverage. Own-damage insures the vehicle but does not cover third-party liability. Comprehensive covers damages to your own vehicle along with third-party liabilities.
Reliance General Advantage: We offer all three types of coverage, along with a range of bundled plans and coverage options for you to choose from.
Add-ons in car insurance enhance the coverage of your base policy and provide targeted protection against specific circumstances. However, only choose the necessary add-ons to avoid exorbitant car insurance prices.
Reliance General Advantage: Reliance General offers 10+ add-ons to choose from, including Nil Depreciation, 24x7 Roadside Assistance and even EV-based add-ons.
A higher ratio indicates that the insurance company is reliable and has a good track record of settling claims. This provides assurance of financial protection when needed.
Reliance General Advantage: We recorded a high claim settlement ratio of 100% for FY 2023-24.
Review the insurer's claim process for simplicity and efficiency. Look for a straightforward and quick claim settlement process that reduces hassle during stressful times.
Reliance General Advantage: We initiate a claim survey within 48 hours of you filing a claim. Additionally, we offer a quick and transparent claim process with live claim tracking.
A wide network of garages ensures easy accessibility to cashless repair services across the country, adding convenience to your experience.
Reliance General Advantage: You can choose from 8500+ Reliance General Insurance’s network garages for a cashless and seamless claim experience.
Use online car insurance calculators to compare car insurance prices and features across different policies. This helps in finding a four-wheeler insurance plan that offers the best value for the coverage provided.
Reliance General Advantage: You can compare car insurance quotes, features and benefits of different policies seamlessly on our website and choose the best coverage.
Look for customer reviews and testimonials about their experience with the insurance provider, focusing on aspects like customer service, claim settlement and overall satisfaction.
Reliance General Advantage: Our customer-centric process, tailor-made policies, and 24/7 customer support are trusted by 3-crore+ satisfied customers.
Pay-as-you-drive car insurance, or Pay-as-you-go car insurance, by Reliance General, represents a modern and efficient approach to car insurance. Under this policy, the premium you pay is directly linked to the number of kilometres you drive.Called the Limit-Pay Sure by Reliance General Insurance, this innovative four-wheeler insurance product is designed for drivers who want their insurance costs to reflect their actual vehicle usage, embodying the principle of "drive less, pay less” in car insurance.The Limit-Pay Sure Pay-As-You-Drive Insurance is available as an add-on with Reliance General Insurance’s Standalone Own-Damage Car Insurance Plan.
You stay in a traffic-prone area and prefer using your two-wheeler or public transport. As a result, your car usage is limited to only 2,500 kilometres every year.Here, instead of buying a regular car insurance plan, you can opt for a Pay-As-You-Go car insurance.When you buy Reliance Limit-Pay Sure Pay-As-You-Drive Insurance, you opt for the ‘Kilometre Limit’ or ‘Available Kilometre’ in varied slabs beginning from 2500 kilometres, which is ideal in your case.You will have to declare your odometer reading and note the start kilometre to help determine whether you have stayed within the provided ‘Kilometre Limit’.If you drive less than 2500 kilometres, the' Carry-Forward' feature allows you to carry the difference to the next policy year. However, if you exceed the 2500 mark, you can opt for the ‘Top-Up Limit’ feature in multiples of 1000 with your own-damage car insurance plan.Reliance Limit-Pay Sure offers a Grace Kilometre limit of 125 kilometres to allow you enough time to top-up/renew before your coverage runs out.
It is important to note that this benefit is exclusively available with the own-damage policy component of car insurance, providing a flexible and user-centric solution to traditional four-wheeler insurance models.Reliance General's Pay As You Drive Car Insurance stands out as a smart choice for modern drivers who prioritise efficiency and adaptability in their four-wheeler insurance coverage.
To file a four-wheeler insurance claim, you must present all the essential documents that indicate the genuineness of your request.The car insurance documents for filing a claim predominantly include:
Once you submit the documents required for an insurance claim, a surveyor is sent to verify all these details. You may also be asked to share the repair bills incurred due to the car's damages.Once the insurer approves your final settlement amount, you are paid the due claim amount according to the policy terms.Also Read: Details & Documents for Filing a Claim
With Reliance General, you can choose between two types of car insurance claim processes – Reimbursement Claims and Cashless Claims.
With that said, here are our car insurance claim rules and claims process laid out for your reference:
Register your claim by making a video inspection using the Reliance Self-i App or calling (022) 4890 3009 (Paid Number). Once your vehicle is reported to the garage, the garage can also register the claim on your behalf using the Garage Portal.
You need to do this as soon as possible, preferably within 24 hours of the incident and before getting any repairs done, as waiting too long can make your claim inadmissible.
Click here for a quick demo!
We will dispatch a surveyor to assess the extent of damage and estimate repair costs before you can proceed with your repairs.
Next, you need to submit the documents required for your car insurance, such as your Vehicle Registration Certificate (RC), Driving licence (DL) and Car Insurance Policy Copy to the surveyor.
For road accidents or third-party involvement, you must report the incident at a nearby police station and get a copy of your FIR – to submit during your car accident insurance claim process.
Remember to keep all repair bills and receipts; you will need to submit them for reimbursement claims.
After submitting your documents, wait for the claim to be evaluated and approved. You can check the progress of the process in the Reliance Self-i App or through our website.
Once approved, we will either settle the bill directly with the network garage for a cashless claim or pay the reimbursement amount for a reimbursement claim. You will be covered for the loss or damage that happened after the claim and final settlement amount is approved.
Also Read: Know When to File and When Not To File Car Insurance Claim
This refers to financial and legal third-party liability coverage the insurer offers in cases like road accidents where your vehicle has caused damage towards a third party (individual and/or property).
This refers to repair costs for damages caused to your car covered by the insurer. E.g., accidental damage from car accidents, collisions, man-made/natural disasters covered by the policy, etc. However, it will not cover depreciation costs; you need a Zero Depreciation add-on cover for that.
This is a compulsory cover that the owner-driver must buy. A PA cover for the owner-driver covers medical expenses for injuries, permanent disability and death of the owner-driver resulting from car accidents up to ₹15 lakhs (per IRDAI guidelines).
IDV in car insurance is the current market value of your car and the maximum payout amount the insurer can pay you if your car is stolen or needs major repairs from severe accidents. The IDV amount is calculated based on the car’s ex-showroom price, age, model, make, and depreciation rate.
This is a discount offered on your car insurance premium for not making any claims in the previous policy year(s). It can be accumulated on a yearly basis starting from 20% at the first claim-free renewal, 25% in the second, 35% in the third; up to a maximum of 50% in the fifth year. If you happen to make a claim within your policy period, the NCB dips down to zero.
These are specific garages we have tie-ups with where you can get your car repaired without having to pay upfront for the expenses. We settle the repair bills directly with the network garage, making the process convenient and hassle-free for you. You can use our garage locator tool to find your nearest Reliance General Insurance network garage.
This refers to the decline in a car’s value over time due to wear and tear. Car depreciation rates are calculated based on a vehicle’s age, miles travelled and overall condition. Depreciation starts from the day a vehicle is sold from the showroom.Car depreciation costs are also not covered during claims unless you have a zero depreciation car insurance cover.
An amount the policyholder must pay out of their pocket during claims. The deductible meaning can be split into two types - compulsory and voluntary.Compulsory deductibles in car insurance are charged for every claim filed and are set by the IRDAI based on the car’s engine cubic capacity (cc). The insurer may also impose additional charges above this amount for older vehicles or if there is a high frequency of claims.
This refers to a deductible that you can opt for during policy purchase and must pay alongside the compulsory deductible amount during four-wheeler insurance claims. Voluntary deductibles in car insurance can help reduce your overall premiums, but you must be sure of your ability to pay the amount before opting for them.
Consumables in car insurance are items that need to be replaced regularly due to wear and tear. They can include things like engine oil, brake oil, distilled water, AC refrigerant, nuts, screws, bolts and other similar items, except fuel.Consumable expenses in car insurance are generally not covered unless you have a consumables add-on cover.
Car insurance add-ons are additional coverage that you can get by paying an additional premium. They are also only available under comprehensive plans.Some popular add-ons in car insurance include zero depreciation / bumper-to-bumper insurance, NCB protection, return-to-invoice, roadside assistance, etc.
A car insurance policy is an important asset for car owners and timely renewals within the 30-day grace period ensure sustained protection against legal and financial liabilities. Here are some pitfalls of letting your car insurance policy expire:
If you are caught driving your car with an expired car insurance policy, you will be subject to fines ranging between ₹2000 (first offence) up to ₹4000 (subsequent offences) by traffic authorities.
Letting your car policy lapse also results in the loss of any accumulated NCB discounts. This means if you had accrued any NCB discounts, policy expiry resets the discount back to 0%, and you will have to start all-over again.
You will have to bear any and all repair costs resulting from accidents. Moreover, major repairs or total loss due to theft can result in a huge financial loss since there will be no compensation for these events without valid four-wheeler insurance.
You can perform car insurance renewal after expiry either through the Reliance Self-i App, by visiting the Reliance General Insurance website, or by calling us at +91 22 4890 3009. Here are some quick steps to renew your car insurance online:
Your IDV value for car insurance has a direct impact on your overall insurance premiums. So, it's essential to choose an IDV that accurately depicts the current market value of your car while also not being too high. The IDV calculation formula is
(Car Manufacturer’s Current Listed Price - Depreciation Value) + (Cost of Additional Car Accessories - Depreciation Value of these Accessories)
However, multiple factors play a role in deciding your IDV amount. Here are some factors that have a significant impact on your IDV:
Having car insurance protects you financially from any losses that an accident or injury brings. Moreover, it is mandatory under Indian law to have at least a third-party liability insurance which financially protects another individual’s car or property.
There are three types of car insurance policies —
Yes, they are. They both function the exact same way; the only difference between them is how they are priced.
Offline plans are slightly more expensive as intermediary parties like agents are involved in selling the policy, and they get a cut of the sales that they make. Online plans cut out the middleman, so they are a little cheaper.
To buy car insurance onlin, you will require the following documents:
Car insurance costs are calculated based on the car’s age/make/model, engine cubic capacity (cc), Insured Declared Value (IDV), policy add-ons (if applicable), and no-claim bonus (NCB) discount (if applicable and considered only at the time of renewal).
Other factors like your claims history, location, any modifications made to the vehicle and the policy type you choose will also play a role in deciding your overall car insurance cost.
Bumper-to-bumper insurance is simply a comprehensive car insurance policy that comes bundled with a zero/nil depreciation cover. These plans allow you to claim the full repair cost since the insurer automatically covers the depreciation costs for parts that need to be repaired/replaced.
For newer cars, luxury/imported cars and cars that have specialised parts like EVs, we recommend getting a comprehensive plan as it will offer you all-around coverage in your time of need. It is considered the best car insurance for new car owners.
For older models or if you live in a place with low traffic and/or are an experienced driver, a third-party car policy, sometimes paired with an own damage cover (if needed), is often enough, as the chances of accidental damage are quite low.
You can renew your expired car insurance policy online through our website or the Reliance Self-i App.
Once the inspection of your vehicle is complete by our surveyor your policy will be issued and made ready. Please note that this is applicable only in the case of an own-damage or comprehensive insurance policy and not for third-party insurance.
A total loss in car insurance refers to the instance where total repair costs exceed 75% of your car’s IDV value. Total vehicular theft cases where your car is never found also fall under the definition of total loss.
When this happens, the insurer reimburses you the total IDV amount during claim settlements.
Yes, it is transferable. If you have accumulated an NCB discount under a policy from a different insurer, you can transfer your NCB discount within 90 days of your renewal due date when renewing your policy with us at Reliance General Insurance.
You must provide the No-Claim Bonus certificate from your previous insurance company to make this transfer admissible.
The NCB will be transferred to Reliance General Insurance at the same rate you are entitled to get from your previous car insurance company provider when renewing your car policy. This means the discount percentage will not change after you transfer your NCB to Reliance General Insurance.
However, remember to provide the No-Claim Bonus certificate from your previous insurance company to ensure the transfer.
An endorsement in car insurance is written proof of an agreed-upon change in the auto insurance policy as and when the need arises. There are two types of endorsements: premium-bearing and non-premium-bearing.
In a premium-bearing endorsement, you will be charged an additional premium for things like transfer of ownership, electrical accessories in car insurance (addition of LPG / CNG kits), change of RTO location, etc.
In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy, such as a correction in contact details, a correction in name, a correction in engine/chassis number, the addition of hypothecation, etc.
You can make changes to your car policy only in the following cases:
For an endorsement, you simply need to raise a service request online by logging onto our website: www.reliancegeneral.co.in
In case you change your location, your policy will remain unaffected. However, your insurance might change at the time of renewal if you moved from a Zone B location (which include non-metro cities) to a Zone A location (that are metro cities like Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune).
If you are planning on selling your car, you can do one of the following two things.
However, the policy can only be cancelled once we receive a copy of the new policy.
This is because it is mandatory for any car to be insured, at least against third-party liability.
Also keep in mind that you can enjoy a No-Claims Bonus on the premium for your new vehicle, if you purchase it within 3 years from the date of cancelling / transferring the old policy.
Once a request is logged in, the inspection process takes place within 24 hours.
A successful inspection is followed by an online recommendation from the surveyor. Within 48 hours of that recommendation, you must log in to the website and convert your auto insurance policy.
Failing to convert your policy within that time frame means that you have to go through the entire process again.
The auto insurance policy covers damage or loss to the car due to:
The NCB Retention Cover is an add-on cover that helps you to retain your earned No-Claim Bonus (NCB) percentage, even after you’ve made a claim. Without this additional cover, your NCB would drop to 0% if you've made a claim in the previous policy year.
There are a few conditions though!
Also, the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to ₹10 Lakhs only.
For example, assume that you have earned 20% NCB on your previous year's car policy and the IDV of your car is ₹10 Lakhs. Now on this car, if you've made any claim up to ₹2.5 Lakh, you will still be eligible for a 20% NCB if renewed with us.
If you want to claim this facility, all you need to do is pay a small amount of additional premium.
This add-on cover entitles you to get 100% repayment on the depreciated parts (other than tyres and tubes) at the time of claim settlement. You can opt for a Nil Depreciation Cover when you get a new car insured or for two subsequent renewals.
By paying a minimal, additional charge on your car insurance quote, you can benefit by availing repairing costs of fibreglass, rubber, tyres, batteries, air bags, nylon, and plastic parts.
Note - We cover only private cars, with a maximum of two claims in one policy period. This cover is applicable only for select make and models.
Total cover add-on in car insurance reimburses you for the amount spent for the registration fee, octroi, road tax and insurance premium paid until the event of a total loss, constructive total loss or theft of your car.
This add-on ensures that you receive the full amount mentioned on the original invoice of your car, including all associated costs, in case of a total loss in car insurance.
The voluntary deductible is an amount that you agree to pay towards a claim (in addition to the compulsory deductible) before we pick up the balance. It is a fixed minimum amount that you declare to pay when you make a claim.
This amount is inversely proportional to your premium. The higher your Voluntary Deductible amount, the lower is your car insurance premium.
For example, if your claim amount is ₹20,000, the compulsory deductible is ₹2,000 and the voluntary deductible is ₹3,000, then you have to bear the ₹5,000 out of pocket while we cover the remaining ₹15,000.
At Reliance General Insurance, we will award you with a suitable discount based on the following table.
*Own Damage premium
The risks that we don’t cover in this car insurance policy are as follows:
Third-Party Liability Cover is an insurance policy that covers damages done to a third party. It is a part of your Reliance General car insurance policy.
Furthermore, according to the IRDAI, all new car owners must hold third-party car insurance for 3 years, either as a separate plan or bundled under a comprehensive plan.
No, we will issue the insurance policy only if the LPG / CNG kit is incorporated on the Registration Certificate (RC) by the concerned RTO.
Yes. However, you will have to make a written request to us and share the details of the accessories. Depending on the accessories, you may also need to pay an extra premium on your automobile insurance.
Factors that affect / reduce car insurance quote are:
ARAI stands for Automotive Research Association of India. If you have installed an ARAI-approved anti-theft device in your vehicle, whose installation is certified by the agency, you can get a discount of 2.5% on the OD (Own Damage) premium subject to a maximum of ₹500.
Insurers encourage the use of ARAI-approved anti-theft devices in car insurance as it helps to reduce your vehicle’s overall risk profile, thereby helping to reduce your car insurance premiums.
These are amenities/devices fitted to your car that enhance your comfort and driving experience. Some examples include an LPG or CNG kit, alloy wheels, anti-theft devices, interior fitments like seat covers, and high-end stereo systems.
Electrical accessories in car insurance can increase your premiums, so it is important to communicate any modifications you have made to your car to your insurer at the time of policy purchase or renewal to ensure coverage.
When it comes to some modifications like anti-theft devices in car insurance, insurers often encourage their adoption as they often offer a discount on car insurance premiums – 2.5% on the OD (Own Damage) for cars that have them.
As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately (Paid Number- +91 22 48903009). You can also directly register your claim online. Click here to download the form.
Once the vehicle is reported to the garage, the garage can also register the claim on behalf of the insured using the Garage Portal.
You can claim the Personal Accident cover upon the death of the owner-driver, permanent disablement or personal injury (to self) that results from an accident.
In the event of death settlement claims, you must be listed as the policy beneficiary in order to be paid the ₹15 lakhs sum assured amount.
For personal injury and disablement, the PA cover will only cover you – the registered owner of the car/policyholder. Coverage for your passengers is not mandated under the personal accident cover, so you will need to get a separate add-on to cover them.
You should report to the police immediately by contacting or going to the nearest police station in case there is damage to any third-party property, bodily injury to a third party or self, or theft of the car.
In the event of an accident or mishap, we will provide complete assistance to get you back on the road. Keep your car insurance papers in your automobile at all times.
This procedure applies to both reimbursement claims in car insurance and cashless claims in car insurance.
If the car's damage is minimal and does not affect its overall performance, it is always a good idea not to file a claim. This can help you easily build towards a No-Claim Bonus (NCB) for every claim-free year.
If you don't make any claim on your car insurance policy for a few years, the NCB can reduce your premium cost to half the price. In fact, it could very well be the case that the amount you spend on small repairs occasionally is lesser than the amount you stand to lose as a No-Claim Bonus.
You can cancel your claim by calling our Paid Number: +91 22 48903009. You can also cancel your claim by contacting the designated claim manager and submitting a formal request (mail) to withdraw the claim.
You can use our garage locator tool to find your nearest cashless garage. Click here to find out the address of your nearest cashless garage list.
Yes, if the loss or damage occurred during the policy period, you will be eligible for the claim even after the policy has expired.
The maximum delay allowed in claim intimation is 7 days. A delay of more than 7 days should be accompanied by a valid explanation from the Insured.
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It was fully satisfactory feedback and fully satisfactory service provided by you and all my queries are explain to me in the most short, most precise and most accurate manner and whatever doubt given, you have explained it very nicely. Thank you very much
14 September 2022, Karnataka
I called your contact center for motor claim intimation. They provided me excellent service regarding my query. Also, survey has been done on time for my claim. I am really satisfied with the services of Reliance General Insurance.
16 August 2022, Assam
I am policy holder of Reliance General Insurance. Whenever I need Motor, Health or any other insurance, first I choose Reliance general Insurance. Also, I always refer my colleagues with the same. Reason behind this is the services are excellent. Till now I haven't not faced any kind of problem in terms of services with your company.
2 July 2022, Delhi
I have a motor policy with Reliance General Insurance from last 3 years and I did not face any kind problem in services. Recently, I renewed my policy. Also, received policy copy on my email id immediately. I am very Happy with the services of Reliance General Insurance.
30 June 2022, Gujarat
Overall services are excellent in Reliance General Insurance. I have registered my motor claim through speechbot. Process was good and smooth. I was able to register easily through speechbot without any problems.
12 March 2022, Delhi
Brobot is very good in terms of handling customers. I bought family health insurance from Reliance General Insurance and their team maintained professionalism with courteous demeanor which was absolutely impressive. I would definitely like to get in touch with Reliance for more plans. I'm very much happy with brobot service where I have a raised a claim for my car. I'm happy with how the claim approval was done. Even price is very less as compared to other insurance company.
6 November 2021, Bangalore
Reliance General Insurance is one of the trusted company. I have been using my car insurance for a long time and till now I have not faced any problem. Website is maintained in such a way, where I can easily get any information at any point of time. I was looking for policy copy and have downloaded policy copy through portal very easily. Also, I don't need to remember renewal date as they remind me every time through reminder calls and messages.
4 November 2021, Bangalore
Disclaimer: *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819; Engine Protector (Private Car), UIN: IRDAN103RP0010V02100001/A0009V02201314; Engine Protector for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0036V02201819; Engine Protector for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0011V01201920; Consumables Expenses (Private Car), UIN: IRDAN103RP0010V02100001/A0007V02201314; Consumable Expenses for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0027V02201819; Consumables for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0005V01201920. Nil Depreciation for Private Car UIN No. IRDAN103RP0010V02100001/A0003V01200910; Nil Depreciation for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0030V01201819; Nil Depreciation for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0013V01201920; Key Protect Cover (Private Car) UIN No.: IRDAN103RP0010V02100001/A0008V02201314 and Key Protect Cover for Private Car- Bundled , UIN: IRDAN103RP0007V01201819/A0037V02201819; Key Protect Cover for Private Car for Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0012V01201920. Reliance Limit Sure - Pay As You Drive UIN No.: IRDAN103RP0007V02201829/A0033V01202223. NCB Retention Cover for Private Car UIN No.: IRDAN103RP0010V02100001/A0012V02200910; NCB Retention Cover for Private Car- Own Damage, UIN: IRDAN103RP0001V01201920/A0008V02201920. NCB Retention Cover for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0033V02201819. EMI Protection for Private Car, UIN No.: IRDAN103RP0010V02100001/A0006V02201415; EMI Protection for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0039V01201819; EMI Protection for Private Car- Own Damage, UIN: IRDAN103RP0001V01201920/A0014V01201920.
Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us ₹238/month (2,853/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, and age of the vehicle.
Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 as per public disclosure of Reliance General Insurance Co. Ltd.
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