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Motor Insurance Online
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Motor insurance protects you from third-party liabilities and covers damages to your vehicle. With the high cost of motor repairs, even minor damage can be expensive. Vehicle insurance safeguards against risks like accidents and natural disasters.Whether you own a car, truck or bike, having a motor insurance policy is essential. It ensures legal compliance, financial security, and peace of mind.Reliance General Insurance understands this and offers customised motor vehicle insurance plans to suit your needs.
Motor insurance is a type of insurance policy that can financially secure your vehicle against damages. It covers risks such as accidents, natural disasters, man-made calamities, and more. Additionally, it covers damages to a third party.You can buy motor vehicle insurance for private four-wheelers and two-wheelers or commercial vehicles.
In India, you can choose between third-party, standalone own-damage and comprehensive motor vehicle insurance policy types. It is important to understand the different plans when choosing the best vehicle insurance.
Car insurance, or four-wheeler insurance, protects you from third-party damages, accidental damages or losses to your car.
We provide third-party, standalone own-damage and comprehensive car insurance online. We also offer a wide range of optional add-ons.
Motorbike insurance is a precaution and a necessity to cover various risks that bike owners face.
Bike insurance, or two-wheeler insurance, provides financial protection for your bike. It covers damages caused by your insured bike and damages to your bike.
We offer third-party, standalone own-damage and comprehensive bike insurance online.
Our commercial vehicle insurance offers coverage for your commercial vehicles.
We cover goods-carrying vehicles, passenger-carrying vehicles, trucks, buses, taxis, etc.
Under the Motor Vehicles Act, third-party vehicle insurance is mandatory for driving a vehicle on Indian roads. Further, as per a 2018 Supreme Court order, new cars must have a three-year third-party motor insurance policy. Additionally, new bikes must have a five-year third-party motor insurance policy.
With third-party motor insurance, you can manage legal and financial implications arising out of third-party liabilities. These include injuries, death and property damages.
A comprehensive motor insurance policy covers you against third-party liabilities as well as various risks and perils to your vehicle. These include theft, accidental damages, fire, natural disasters, man-made calamities and more.
With a motor vehicle insurance plan, you can also secure a personal accident cover of up to ₹15 lakhs. This covers injuries, disabilities, or even death caused to the owner-driver.
With the increase in the number of vehicles, the number of accidents has also increased dramatically over the years.
Mandatory motor vehicle insurance makes people more accountable and helps them practise responsible driving.
With motor vehicle insurance coverage, accident victims are assured of financial compensation for their losses. This reduces the financial strain on the families.
Motor insurance add-ons provide additional protection and differ based on the type of policy you have chosen. At Reliance General Insurance, we offer a diverse range of add-ons to enhance your motor insurance policy coverage.
Find the different types of coverage and the specific plan options offered. Ensure to check if the motor insurance policy will suit your requirements.
Calculate the applicable premium rates across the different options to choose the best and most affordable motor insurance policy.
Examine the range of add-on covers offered to seek additional protection specific to your requirements.
Take time to carefully review the terms of the online motor insurance policy. Understand the inclusions and exclusions to prevent claim rejections.
Deductibles affect your out-of-pocket expenses during claims, so strike the right balance between premium savings and claim expenses.
Research the reputation of the insurance provider by reviewing customer feedback, claim settlement ratios, and the ease of their online vehicle insurance claim procedure.
Check the insurance provider’s network of cashless garages to ensure convenience and access to quality repair services.
By renewing vehicle insurance online, you can avoid the hassle of physically gathering and securing the necessary documents.
Renewing motor insurance online is a simple and convenient process that is quick and instant.
You can gain access to policy updates and effortlessly modify your existing vehicle insurance plan by choosing optional add-ons.
When you renew motor insurance online, you will receive an instant premium quote with a detailed breakdown.
As you keep processing motor renewal insurance online, you might become eligible for additional discounts.
We offer a secure platform for motor policy renewal to ensure your transactions are safe and your financial information remains protected.
The type of motor insurance policy, whether third-party, standalone own damage or comprehensive car insurance, determines your base premium.
The make, model variant, and engine’s cubic capacity significantly affect your motor insurance policy premium.
Newer vehicles with a higher IDV incur higher premium costs. You can compare motor vehicle insurance premiums across the different plans based on the IDV to understand its impact.
The overall premium increases with the choice of add-ons included in your motor insurance policy.
Vehicles used in accident-prone or high-theft areas may face higher premiums due to increased risk.
A good driving record and a high no-claim bonus reflect your responsible driving behaviour. These can greatly reduce your premium.
Opting for a higher deductible for your motor insurance can reduce your premium rate.
Purchasing motor insurance online can offer substantial discounts and savings on your premium.
Evaluate your driving requirements and vehicle conditions to choose only the essential add-ons for your motor insurance policy.
Avoid raising claims for minor damages to maintain your No Claim Bonus and reduce your premium.
Installing anti-theft devices can lower the risk of theft and, consequently, reduce your motor insurance price considerably.
Compare the motor vehicle insurance plans to find the best coverage. The ideal coverage should you reduce your premium and meet your requirements.
After registering your claim, you can check your claim status online by providing your policy or claim number.
Buying online vehicle insurance is a straightforward process that requires minimal documentation, making it quick and hassle-free.To get started for the motor policy online, all you need are the following documents:
In some scenarios, a vehicle inspection might be required. It could demand for additional documents specific to your vehicle’s condition.Here is a complete list of motor insurance claim documents.
Yes, under Indian Motor Laws, it is mandatory to purchase at least a third-party motor insurance policy for your vehicle.
If you install a CNG kit in your automobile, first inform the RTO to update your vehicle registration certificate. Then, notify us regarding the change. We will adjust the coverage and revise your motor insurance premium accordingly.
If you don’t have motor insurance, you could face legal penalties if caught driving without it. You will also have to pay for repair costs yourself if you are in an accident.
At Reliance General Insurance, we offer car insurance, bike insurance, and commercial insurance products. Within these, we offer third-party, standalone own-damage and comprehensive insurance coverage.
A liability policy in motor insurance refers to a third-party motor insurance plan that covers third-party liabilities. It includes injuries, death and property damages.
Yes, you can opt to switch to a different motor insurance provider for better coverage and features. However, it is best to switch at the time of renewal for a smooth transition experience.
A motor insurance policy cover is generally valid for a period of one year. However, you can buy long-term motor insurance plans that can be valid for three or five years, based on the type of policy.
You can change your details by submitting an endorsement request. Remember to share the necessary proof of the change.
No, your existing motor vehicle insurance policy will not transfer to a new vehicle. You are required to buy a new motor vehicle insurance policy when acquiring a new vehicle. However, you can transfer certain benefits, like the No Claim Bonus, to your new motor vehicle insurance policy.
Yes, you can transfer the motor insurance policy from the buyer. It should be done within 14 days of the sale. Provide the necessary application forms (Forms 29 and 30). Additionally, submit the transfer documents - vehicle registration certificate and proof of ownership transfer.
Here is how to transfer car insurance while buying a second-hand car.
A pre-policy vehicle inspection is generally carried out in the following circumstances:
IDV is the highest amount you can get for your vehicle if it is completely lost or damaged beyond repair. It is calculated by subtracting applicable depreciation from your vehicle’s current market value.
A personal accident policy in car insurance can cover the owner-driver, paid drivers, conductors, cleaners and other insured named persons.
The choice of motor insurance policy should depend on your vehicle, usage and personal circumstances. For example, suppose you own an old vehicle and use it less frequently. In this case, a basic third-party motor insurance policy would suffice.
On the other hand, suppose you own a luxury vehicle and travel long distances frequently. Then, choosing comprehensive motor insurance with extensive cover is essential.
The motor insurance premium is calculated based on various factors. These include make and model variants, engine cubic capacity, IDV, location, optional add-ons chosen, deductibles, and more.
You can use our online premium calculators specific to the type of motor insurance plans. It helps you compare the different options and determine the premium to make a wise decision.
In motor insurance, a no-claim bonus is a discount applied to the premium for every claim-free year. It can be accumulated for up to 50% in five consecutive years.
Yes, a service tax applicable under the current laws will be added to the premium when you buy a motor insurance policy.
In the event of an accident, inform the Police and file the First Information Report (FIR) immediately. Take photographs and videos of the damages, gather details of the third party and their vehicle involved in the accident, and raise the motor insurance claim.
Yes, you can call us at our paid helpline number - +91 22 48903009 and cancel a claim if you find it unnecessary.
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Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS 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.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, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
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