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For claim assistance in the cyclone affected areas of the EAST, please click here. Similarly, for assistance with claim related queries in the flood affected areas of Kerala and Himachal Pradesh please click here. To get assistance with claims for flood affected regions of Telangana and Andhra Pradesh, please click here.

Car Insurance

Reliance Car Insurance

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Get up to 70%
​​discount*​
No claim
bonus benefits
Personal Accident
cover of Rs. 15 lacs		5000+ cashless
network garages


What is Car Insurance?

Car insurance, also known as auto or motor insurance is an insurance policy that protects you against losses incurred if your car gets damaged from unforeseen events like an accident, theft, natural or man-made disaster. Car insurance also provides you with a financial shield in case any damage is done to a third-party person or property. ​

Learn more about comprehensive car insurance.


What are the Benefits of Car Insurance?

Key Features  Benefits by Reliance General

Cashless Repairs

50​​00+​ Cashless Garages

No Claim Bonus

Upto 5​​0% Discount*

Claim Process

Easy Video Claims**

Claim Settlement Ratio

98% Claims Settled

Add-Ons

7 Add-ons available

Own Damage Cover

Available

Third-Party Damage Cover

Cover for third party property/vehicle, Cover for injury caused in accident

​​​

**Based on internal assessment for the time period : April 2019 to March 2020​

Learn more about the benefits​.

 

Comparison of Car Insurance Plans

​​Features

Comprehensive Car Insurance​ Policy

Own Damage Car Insurance Policy​

​Third Party Car Insurance Policy

​Damage to your own vehicle

Covered​​

Covered​​​

​Not covered​​

​Damage Due To Fire

​Covered​​

Covered​​​

​Not covered​​

​Damage Due To Natural Causes

Covered​​​

​Covered​​

​Not covered​​

​Theft

​Covered​​

​Covered​​

​Not covered​​​​​

​Damage To Third-Party Vehicle

​Covered​​

​Not covered​​

Covered​​​

​Personal Accident Cover

Optional Add-on​

Optional Add-on​

Optional Add-on​

​NCB Protection

Optional Add-on​

 Optional Add-on​
 Not Covered​

​Engine Protection

Optional Add-on​

 Optional Add-on​

Not Covered​

Return to ​​Invoice Cover​

Optional Add-on​

 Optional Add-on​

Not Covered


Learn more.​

What are the Features of Car Insurance Policy?

It is crucial for car drivers to know and understand the features of car insurance to make the most of it. 

  • Third-Party Liability:

    • This policy covers any bodily injury or death or property damages of any third party that may arise out of an accident with your insured car. The Motor Vehicle Act mandates having this car insurance policy for every car owner, and in its absence, you will have to pay a penalty if caught by the traffic police. The policy does not cover any damage that is done to your vehicle. ​

  • Comprehensive Car Insurance Policy or Package Policy:

    • It protects you and your vehicle against a number of risks along with third-party liabilities. Any damage caused to the vehicle due to an accident, theft, natural calamity or man-made disaster is covered. Likewise, the death of the driver and/or passengers inside the vehicle in the event of an accident are covered. Though not a mandatory policy, it is advised to have comprehensive car insurance coverage for your vehicle.

  • Insured Declared Value:

    • IDVor the Insured Declared Value of your car is the sum you can claim in case of total loss or damage to your car. IDV is calculated on the basis of its depreciation rate. Calculated basis manufacturer's listed selling price after deduction of depreciation as per age of the vehicle.

  • Premium:

    • It is the amount you pay for the car insurance. It depends on many factors like the model and age of the car, its fuel type, the city where you reside, your age, profession, etc. You can use your NCB points and other discounts to cut down on your premium.

  • Cashless claim:

    • If you get your car repaired at one of our network garages, you will not have to pay for it. The repair bill will be taken care of by us. This facility is referred to as cashless claim.  ​
    ​

    What is Covered in Car Insurance Policy?

    ​
  • A​ccidents:

    • Any damage done to your car because of an accident is covered against any expenses towards repair or replacement. You can get it repaired at one of our cashless network garages, while in case of total damage, you will receive the IDV of your car as reimbursement.

     

  • Loss or damage due to natural disasters:

    • Damages caused to your car due to any natural calamity like floods, typhoon, hurricane, tsunami, lightning, earthquake, landslide, etc., are covered.

  • Loss or damage due to man-made disasters:

    • Damages caused to your car due to any riot, vandalism or any malicious acts are covered. Any damage that occurs in transit by road, rail, air or elevator, is also part of the car insurance policy's coverage.

  • Theft:

    • The car insurance policy covers your losses if your car gets stolen.

  • Personal accident cover:

    • This policy covers the expenses of the owner-drivers in cases where they get injured (or death) while driving the insured car. A similar cover for the co-passengers of the car is available and can be added to the policy by paying extra premium.

     

  • Third-party legal liability:

    • If a person, vehicle or property gets hurt or damaged due to an accident with your car, you stay protected against liability due to accidental damages.


    What is not Covered in Car Insurance Policy?
    ​

    A car insurance policy does not promise that your claims will be settled by the insurer. Your claim request can get rejected in the following situations:

  • Drunk Driving: If you are caught driving under the influence of alcohol or any other intoxicating drug, you will not be covered by the car insurance policy. It is also a punishable offense.​

  • Depreciation or any consequential loss: Any subsequent damage, which may occur as a result of the original damage, is not covered. Similarly, loss due to depreciation of the car's value is not a part of the policy coverage

  • Damage due to negligence: If your car gets damaged because of negligent behavior, like driving it through a waterlogged lane or if the damage seems intentional, the policy will not cover you

  • No requisite add-on cover: Some damages are covered only if you have a certain add-on cover. In absence of that, the standard car insurance policy will not cover such damages

  • Breach of any term or conditions: Going against the policy wording like using your personal vehicle for commercial purposes can jeopardize your policy coverage

  • Normal wear-and-tear of the car parts and any mechanical or electrical breakdown is not covered

  • Loss or damage due to war or nuclear risks is also not covered in car insurance

  • The fixed amount that gets deducted at the time of the claim, known as compulsory deductible, will not be paid by us
    • ​

    It's important to note that the depreciation cover is not applicable in cases of theft or total loss claims​​​

    Learn more about add on covers​.




    Car Insurance Add On Coverage

    ​Take a look at some of the add-on covers in car insurance at Reliance General Insurance offers:​​


    1) NCB Retention Add On Cover


    No claim bonus (NCB) is a discount, given by an insurer to a policyholder for making no claims during the policy term. NCB can be accumulated over the years and the discount ranges from 20% to 50% on the own damage premium. This is simply a general insurance company's way to reward customer's good driving behavior.

    Say at the end of 12 months, the insurer did not claim any own damage; then in that case the insurance company provides them a discount by giving NCB based discounts in their premium.​

     - Discount earned by insured for a claim-free completed year.
     - In the case of Own Damage claim, No Claim Bonus gets back to 0%
     - NCB can be Transferred in Same Class of vehicle
     - NCB Reserving letter is issued for 3 yrs from the date of sale of the vehicle

    2) Nil Depreciation


    This cover pays the amount of depreciation deducted on the value of parts replaced under own damage claim

     - The cover  operates for maximum of 2 claims during the policy period
     - Special Conditions applicable to this cover in addition to the General Conditions:
     - A claim where replacement of any part is not involved and no depreciation is deducted under its own damage claim, will not be considered as a claim under this cover.
     - Vehicle is repaired at any of our Authorized Garage / Authorized workshop / Authorized service station.

    Note: Voluntary and Compulsory Excess shall be as per normal practice.

    3) Total Cover   


    This cover pays for the amount spent on the registration fee, Octroi and/ or any other charges levied by the government authority towards the insured vehicle. Also, the insurance premium shall be paid.

     - This cover will trigger in the event of theft or total loss/ CTL.​
     - Road Tax & Insurance Premium is payable on Pro-rata basis for the unexpired duration of the policy period.


    What are the Benefits of Buying/Renewing Car Insurance Online?

    Buying or renewing a car insurance policy can be done both online and offline, however, the former is recommended for the following reasons:

  • Saves your time and energy:

    • The process of buying and renewing car insurance takes only a few minutes. You just need to follow some simple directions. The process is absolutely hassle-free as you no longer need to visit any office, fill out forms, and stand in line to buy/renew the insurance.


  • Saves you money:​

    • By buying/renewing car insurance online, you eliminate the need for an insurance agent, and thus, save yourself some money that would have otherwise gone towards paying commission. The benefit of the reduced cost of operations is passed on to customers this way.


  • Informed choice:

    • When you go online, you get to compare different offers, and therefore, can pick the one that suits your needs the most while giving you maximum benefits at a lower premium.


  • Easy customisation

    • Another customer-friendly feature is that you can add or delete the various add-on covers attached to your standard policy, at the time of renewal.


  • Transparency:

    • Since every term and condition is out on the website, there is no scope of the customer being duped by false promises. Also, all your details are kept confidential.


  • Safe documentation:

    • The possibility of losing or damaging car insurance policy papers is minimized as documents are exchanged online and can be accessed from anywhere anytime. Going paperless is so eco-friendly too!


  • Easy and secure payment:

    • Online car insurance transactions are not only quick, but there is also no fear of losing receipts. Since you make the payment through secure payment gateways online, you are safe from any kind of fraud.

    Learn more about upgrading your car insurance.

    Car Insurance Discounts

    If you think the car insurance premiums will exert stress on your budget, you will be glad to know that you can make them extremely affordable with several discounts.

  • No Claim Bonus:

    • If you have not made any claim requests in your last insurance period, you have established yourself as a safe and responsible driver, and will be rewarded with NCB points. It can decrease your payable premium by a good margin. No Claim Bonus accumulated over the years can get you a discount of up to a whopping 50%. 

    ​ No. of Years​ Discount
    One claim-free year20%
    Two consecutive claim-free years25%
    Three consecutive claim-free years35%
    Four consecutive claim-free years45%
    Five consecutive claim-free years
    ​​50%

    ​​​

  • Voluntary Deductible:

    • Opting for a voluntary deductible while buying the car insurance policy is another way of lowering premiums. A voluntary deductible is an amount that you agree to pay from the claim amount and reduce the risk factor for the insurer. Therefore, the higher the deductible amount, the lower will be your car insurance premium. 

  • You get discounts if you are a member of any recognized automobile association

  • If you install any certified anti-theft device to protect your car against theft, you are eligible for additional discounts on online car insurance

  • Another way to reduce premiums is to opt for pay as you drive insurance. In this, premiums are proportional to the kilometers for which you drive the car around. The less you use the car, the smaller will be the online car insurance premiums

    • Not sure if you need car insurance? Numbers Don’t Lie!

    The poor road conditions and a blatant disregard for traffic regulations make Indian roads one of the most dangerous in the world.

    car insurance - road accident statistics 

    These fatalities are only expected to rise in the future. We don't mean to scare you by these grim statistics. The statistics reflect the kind of dangers that the roads entail. Hence, It's better to be safe than sorry!​​

    Importance of car insurance, learn more.

    ​




    How to Claim Your Car Insurance Online?

    Filing a claim online for your car insurance is quite an easy process.

  • You can call our toll-free number +91 22 4890 3009 or mail to register a claim

  • You will be glad to know that you can do it on the Reliance Self-i App. The app also offers the facility to have a live video call with claim experts where you can learn about the status of your claim

  • To initiate the claim process, you must inform us as soon as possible and share with us the details about the accident and damage

  • You should file an FIR to register the accident at the nearest police station. It will help if you can note the time, take photos and videos of the damage, and save some contact details of key eyewitnesses

  • Once you file the claim and submit the required documents, we will assign an expert for the verification process and estimate the expenses that might arise from the repair

  • You will have to take the car to one of our network garages if you opt for the cashless facility. Here, you won't have to pay upfront for the repairs. The bills will be settled directly by us and the payment made to the service centre will be based on the car insurance policy wording

    • If you opt for a reimbursement claim, you will have to pay for repairs from your pocket, and later you can submit the bills/receipts to us along with a request for reimbursement.​

    For motor claims, we have also come up with Reliance Self-i App​ where you can intimate the claims instantly. Moreover, you can now have a live video call with our claim experts and be informed about the status in real time.​

    Learn more about strengthening your claim.

     

    How to Choose the Type of Car Insurance that Suits You the Best?

    Now that you understand the nuances of both types of Car Insurance Policies you must be contemplating about which one to choose.

    Here are some valuable recommendations to help you with your decision:

  • ​​The Third Party Liability Car Insurance policy is generally chosen by individuals who want to buy car insurance as it is mandatory by law

  • If you seek overall protection from the damages caused due to unforeseen accidents, opting for a comprehensive car insurance policy is the best option. Additionally, you can pick add-on covers for car insurance as per the risks which are more relevant to you
    • ​

    How is a Car Insurance Premium Calculated?


    Vehicle owner's age:  

    The individuals between 18 to 25 years of age have to pay more premium amount than the others.

    Fuel Type: 

    The premium for a CNG type vehicle is higher than that of petrol of diesel type vehicles.

    Geographical Location: 

    A lot depends on where you drive your car. An area with a higher density of traffic like cities will have higher car insurance premium rates.

    IDV: 

    Insured Declared Value (IDV) is the maximum amount to be paid to the insured person in case of any damage. This is decided by RTO details, brand, selling rice and affects own damage cover.

    Cubic capacity: 

    The cubic capacity of your car will affect the premium rate you pay to get your vehicle insured.

    Other factors:

    Factors like car insurance add-on covers, discounts, purpose of the vehicle and safety features such as airbags and anti-theft devices will also be taken into consideration while calculating your car insurance premium.​

    Types of Car Insurance Policy:


    Third-party Cover: 

    In India, this is a mandatory cover and there are strict fines if a person does not have a Third-Party cover. These cover the financial losses or other kinds of losses to the third party which is involved in any kind of accident with your car. It does not cover your expenses. TPL depends on the car's capacity and is issued by the Insurance Regulatory Authority of India.

    Own Damage Cover: 

    This is the best car insurance cover which also covers your vehicle from any kind of damage even due to natural calamity. This means that it will have a higher premium. As the car grows older the IDV decreases and premium decreases too. It is calculated by the percentages of IDV.

    Formula to calculate IDV is equal to the showroom price of the car added to any additional accessories that may have been installed in the car subtracted by the depreciation value of the car with every passing year.

    This makes the formula to calculate OD as IDV multiplied by premium rate decided by insurer added to any kind of add-ons which could be in the form of bonuses subtracted by the discounts and benefits like no claim bonus or theft discounts.

    Personal Accident Cover: 

    The car insurance goes beyond protecting your car and also safeguards and cover your personal injury costs as well. This is a vital part of being completely protected. With rising prices of medical health care, the insurance must cover even any basic injury caused by the accident which could ease out the financial burden.

    As the sum insured to the person goes higher, and the premium rate also keeps on increasing similarly . Use Our Car Insurance Calculator to calculate your premium easily!  

    Learn more about types of car insurance.​

    How to Save on Car Insurance Policy Premium?


    Know Your Car's IDV

    The value of your car depreciates overtime. Hence it is important to know your IDV. A lower IDV attracts a lower premium.​

    Claim Your No Claim Bonus:

    The No Claim Bonus is your rightful reward for being a responsible driver. Earn discounts of up to 50% on your car insurance premium year-on-year.

    Become AAI Member:

    Become a member of the Automobile Association of India and you can secure a concession on personal-damage premium.

    Increase the Voluntary Deductible

    A voluntary deductible is the amount you agree to pay out of your pocket. The higher your voluntary deductible, the lesser will be your premium.   Know what are deductibles for car insurance before purchasing. ​

    Learn more about how to reduce premiums. 

    How to Renew Car Insurance Policy If It Has Expired? ​

    There could be many reasons that your online car insurance policy could have lapsed and you need to renew the policy before the expiration date to continue driving your vehicle safely. Thus, you must keep in mind to renew expired car insurance as fast as possible to avoid any kind of legal action and also to have safe coverage for you and your vehicle.

    If due to any reason your car insurance has expired here are the steps to follow: 

    Getting in touch with the agent

    In case the policy is expired car insurance the first thing to do is to get in touch with your agent through which you got the insurance or to fill the renewal form online. The form is always available on the website of the insurance provider. An experienced agent has good knowledge of the working of online car insurance and things to do after the insurance has expired and may guide you through the process smoothly. Online renewal can save a lot of time if you are already familiar with the basics and don't need an agent to renew your insurance, this process is convenient too. It is important to keep in mind that wasting time is useless as you may have to pay a high premium at a later stage and also could face a penalty while driving on the road without insurance. 

    ​

    Do Not Drive

    While the car insurance is expired and is in the process of renewal it is important not to drive the vehicle. This is the reason why it is advised to apply for renewal before the expiration of the previous insurance. Driving without insurance is like driving at higher risk and in case of an accident you would have to pay the third party for the damages. As well as for vehicular loss without any coverage from the insurer. 

    Choosing Policy

    Driving without motor insurance is illegal thus you must renew the insurance as quickly as a possible and quickest way is renewing the insurance online. Choose a car insurance policy suitable for you. You can even switch the company and the features. This will allow you to compare various insurance and make an informed decision about the product. 

    Keeping the documents ready

    After you have decided which policy you want to go for, all the documents must be kept handy and a call should be given to the insurer. The documents include a copy of the previous policy and registration certificate of the vehicle which is needed to renew the car insurance. Additional details may also be required depending on the insurer. As fast as you provide these details faster would be the process of generation of insurance.

    Expired car insurance renewal is not a difficult process. The process is easy with some basic understanding of the document and can be done online at home. Click here to renew expired car insurance easily​.

    Learn more about the documents required.​


    ​
     

    Got some questions? You can call us on +91 22 48903009​ regarding any queries while buying car insurance online.​

    *T&C apply. ​All the Toll Charges will be borne by Customer. Towing Services are free of charges for Garages present with in 25 kms from breakdown location. Towing to Garages beyond a radius of 25 km from breakdown location will be chargeable. ​Discount is applicable on OD premium. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. ​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.​​

    ​

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    Car Insurance Articles​

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    Car Insurance FAQ

    Why do I need insurance for my vehicle?

    Under IPC, it is mandatory to have at least a third-party liability insurance cover. Also, in case of an unprecedented event such as an accident, your car might get damaged; it can get stolen as well. To stay guarded against these losses and expenses, one should buy car insurance.​

    What are the types of car insurance in India?

    There are three types of car insurance policies—a third-party plan, which covers the loss and expenses that occurred to a third party; own damage cover, which covers the cost of damage or loss to own cover; and a comprehensive plan, which covers both third-party losses and own damage costs.​


    What are the different types of vehicles that can be insured online?

    Private Car Insurance can be bought online for two-wheelers and four-wheelers. You can check your car insurance quote with the help of your registration number. Apart from this, commercial vehicle insurance can also be bought online.​​

    What are the documents required to buy car insurance online?

    To buy car insurance online you will require the following documents:

    • Car registration number

    • Car make year and model details

    • Personal details such as your address, age, photo and identity proof

    • Preferred insurance type and plan

    • Preferred add-ons

    • Insured Declared Value, in case of a comprehensive car insurance plan​

    What are the benefits when you buy car insurance online?

    Ease of buying

    One of the biggest advantages of buying car insurance online is that it is convenient and it simplifies your purchase decision. You can do it anywhere according to your comfort,

    • Compare different four-wheeler insurance policies available in the market
    • Find competitive car policy rates
    • Simply click a button and buy a four-wheeler vehicle policy online

        • Since there is a long list of general insurance companies offering online car insurance, finding the best automobile insurance that suits your needs and gives you maximum benefits is easier.

        Added Benefits

        Also, online car insurance offers other facilities like Renewal reminder Secure payment gateway and tracking

        Getting an Estimate of your car insurance policy premium

        You can also calculate your car insurance quote/premium online and get an idea of the kind of expense you would need to bear for buying the plan.

        Pay for your car policy in minutes

        You can pay your premium using either of the options like net banking, debit card or credit card. You can also use other payment options like UPI and Paytm.​

        ​​​

    ​

    Can I renew my car insurance policy online?

    Yes, you can. You can now renew your car insurance online in the comfort of your home. Here are the steps that you need to follow-
    • Visit the renewal page by clicking ​here​​
    • Enter your car insurance policy and Registration / Engine number and click on ‘Renew My Policy’ to proceed
    • You will then see the details of your policy. If needed, you can update your contact details here
    • Post  confirming the details you can choose several add-ons and optional coverage as per your needs
    • Next, you will be presented with the final premium amount along with the associated break-ups
    • Your car ​​and nominee details are fetched from the system. You just need to confirm all your details and click on ‘Pay’ to go to the payment page
    • Once the payment is successful, your car insurance policy renewal is complete
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    My motor insurance policy expired; how can I renew in case of break-in of my policy?

    ​If your car insurance policy has expired, you can renew the policy by making payment online through our website or the Selfie App​

    • You can now Inspection Yourself
    • Upload photos of your car and get your policy instantly
    • ​Your Inspection ID will be generated and post satisfactory inspection and recommendation by surveyor your policy will be issued

    Note this is applicable only for Private Car & Two-Wheeler policy and not for Third Party Liability​.

    Once the inspection request is logged online, how long does it take to get the car policy?

    Once a request is logged in, the inspection process takes place within 24 hours.

    A successful inspection is followed by an online recommendation made to you, by the surveyor. Within 48 hours following that recommendation, you will have to 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.

    What is a No Claim Bonus (NCB)?

    ​No Claim Bonus (NCB)​ is the discount in your car insurance premium enjoyed by you for not having made a claim in the previous year(s). This discount can be accumulated on a yearly basis starting from 20% at first claim free renewal, 25% in the second, 35% in the third, 45% in the fourth and 50% in the fifth and continued for subsequent claim free years.

    Reliance General Insurance has introduced the No Claim Bonus retention add-on cover with private car insurance. This helps you to retain your valuable No Claim Bonus at a small additional premium.​​

    Is my NCB transferable?

    Yes, it is!

    If you have accumulated NCB, at the time of renewing your existing 4 wheeler insurance policy, you can transfer the NCB within 90 days of your renewal due date. If you wish to change your insurance provider at the time of renewing your car policy, you can enjoy your NCB discount by getting it transferred as well.​

    What is the rate at which NCB is transferred?

    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 while renewing your car policy. However, remember to provide the No-Claim Bonus certificate from your previous insurance company to ensure the transfer.

    In case of my job and place change, what happens to my motor policy?

    The policy remains more or less unaffected even if you move. Details you need to change your contact details i.e.

    • Your new address and
    •  Phone number
    This can be done online or at any Reliance General Insurance branch closest to you.
    Your car insurance premium might change depending on the city you're moving to. This is simply because motor insurance rates are fixed based on the registration zone of the car. All metro cities (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune) are part of Zone A, which has a higher rate of premium than the rest of the country (Zone B). So, if you're moving from a Zone B city to a Zone A city, your motor car insurance premium will increase and vice versa.

    How do I get a copy of my car insurance policy online? Will the printout of the softcopy serve as the original document?

    Just log on to www.reliancegeneral.co.in​ or your Selfi App and click on your profile. A soft copy of your four-wheeler policy document will be available for download. A print out of this document definitely serves as the original policy document.​
    ​​

    ​

    What is an endorsement? What is premium and non-premium bearing endorsement?

    ​An endorsement is a written proof of an agreed change in the auto insurance policy, as and when the need arises. There can be 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, addition of LPG / CNG kit, change of RTO location, etc.

    In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy. For example, correction in contact details, correction in name, correction in engine / chassis number, addition of hypothecation, etc.

    What changes can I make in my car insurance policy? How do I send that for endorsement?

    You can make changes to your car policy only in the following cases:

    • Either the name, registration number, engine number, chassis number or model number of your four wheeler vehicle has to be corrected.

    • There is a change or correction in your address

    • There is a change in car, RTO or registration number of your vehicle

    • There is an addition of LPG / CNG kit, electrical / non-electrical accessories, anti-theft device, addition or change of hypothecation in your car.

    • There is a NCB recovery or change.For an endorsement, you simply need to raise a service request online, by logging onto our website: www.reliancegeneral.co.in.

    What happens to the 4 wheeler insurance policy, if I sell my car?

    Then you can do one of the following two things.

    • You can transfer your existing automobile insurance policy to the new owner of the car.​

    • You can cancel this policy and tell the new owner to buy a new policy for the car.

    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 date of cancelling / transferring the old policy.

    What is loading?

    Loading is an additional cost that is added to the car insurance premium when a policy is renewed. This additional cost only comes into effect if the risk to the car policy owner is judged as ‘higher than normal’.

    What risks are covered under Reliance motor insurance policy?

    The auto insurance policy covers damage or loss to the car due to:
    • Accident
    • Fire
    • Lightening
    • Self-Ignition
    • Explosion
    • Theft
    • Riot & Strikes and / or Malicious Acts
    • Terrorism
    • Earthquake
    • Flood
    • Cyclone
    • Inundation
    • Transit by Rail, Road, Air and Elevator
    Apart from this, your car insurance policy covers policyholder against any accident or mishap. It can also cover a third-party entity, if the option is availed. We recommend that you opt for a Third-Party Liability Cover because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. ​​​
    Finally, we also bring to the table some add-on covers that will help to customise your motor insurance policy, just like you’ve customised your car. The additional covers that you can choose to add-on are for:
    • Electrical or Electronic Accessories
    • Non-Electrical Accessories
    • Bio-Fuel Kits Comprising LPG/CNG Systems
    • Legal Liability to Employee, Paid Driver, Cleaner & Conductor
    • Racing & Speed Tests
    • Dexterity Trials & Hill Climb Extensions​

    ​What do you mean by Add-On Cover?

    Add-on covers add extra protection and cover benefits to your car insurance policy. It helps you customise your policy based on your requirements.
    Some of the add-on covers we recommend and offer to you are:

    • No-Claim Bonus Retention Cover
    • Nil Depreciation Cover
    • Personal Accident Bundle Cover
    • Motor Secure Plus Cover
    • Motor Secure Premium Cover


    ​What is NCB Retention Cover?

    This add-on cover 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 car policy period​.

    There are a few conditions though!

    • The coverage is available only for private cars.  
    • The age of the car should be 2 years and above.
    • The NCB percentage of the vehicle should be 25% and above. 
    Also, the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to Rs. 10 Lacs only.

    For example, assume that you have earned 20% NCB on your previous year's car policy and the IDV of your car is Rs. 10 lakhs. Now on this car, if you've made any claim up to Rs. 2.5 lakh, you will still be eligible for a 20% NCB if renewed with us.

    If you want to avail of this facility, all you need to do is pay a small amount of additional premium.​


    What is Nil Depreciation?

    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 fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts.

    Note - We cover only private cars and two wheelers, with a maximum of two claims in one policy period. This cover is applicable only for select make and models.​


    ​What is the Total Cover add-on? How is it beneficial?

    Total cover add-on is very beneficial in case your car gets completely damaged in an accident or if it is stolen. In such case, the total sum of the expenses paid for the vehicle insurance, registration charges and road tax is reimbursed proportionately.​

    What is a Voluntary Deductible?

    ​Voluntary deductible is an amount that you agree to pay towards a claim (in addition to the compulsory deductible) before the insurance company picks up the balance. It is a fixed and 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 automobile insurance premium. 

    For example, if your claim amount is Rs. 20,000 and the voluntary deductible is Rs. 3,000 then you have to bear the first Rs. 3,000 and the claim will be worth Rs.17,000.

    We will award you with a suitable discount based on the following table.

      *Own Damage premium.​

    ​What risks are not covered under Reliance Motor Insurance Policy?

    The risks that we don’t cover in this car insurance policy are as follows​:

    • Normal wear-and-tear of the car
    • Mechanical and electrical breakdown
    • Cars being used outside of the limitations placed on the usage
    • Damage to / by person driving without a valid driving license
    • Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
    • Loss or damage due to depreciation of the car’s value
    • Loss or damage due to war or nuclear risks
    • Consequential loss i.e. any indirect losses caused due to the car’s damage / loss
    • Compulsory deductibles i.e. a fixed amount that the insurer will have to bear

    What is Third-Party Liability Cover? Is it part of my policy?

    The most important reason to get third-party policy is that it is compulsory by law and you might end up paying hefty fines if you don't have it. As the name says, it covers all third-party damage. There is always a chance of getting in an accident with a third party in certain circumstances, and with this a policy like this, you can prevent such scenarios since it covers all liabilities incurred to the third party.​

    ​What is Personal Accident Insurance cover?

    This personal accident cover provides compensation in case of death or permanent disabilities due to an accident involving the insured vehicle.

    Coverages:

    CPA ( Compulsory Personal Accident –Owner Driver ) for 1 Yr

    •  Mandatory Cover
    •  Unbundled recently by IRDAI
    •  Policy Duration 1 Year
    •  One CPA policy covers the insured for all the vehicles owned by him/ her.
    • To be eligible for Compulsory Personal Accident
    • The insured has to be the owner of the  vehicle
    • Should have a Valid Driving License
    • SA Limit is Min 15 lacs. (In case insured has other PA policies differential SA can be opted by insured)

    Customer can opt-out of this cover if he already has other PA cover covering (Death & Permanent Disability) up to the extent of minimum 15 lacs or is covered with other CPA policy under motor insurance in other vehicles owned by him.

    In what scenarios can I make a Personal Accident claim?

    ​You can claim the PA cover only if the car Insurance Policy is in your name and you are the registered owner of the car & have an owner-driver, paid-driver or unnamed passenger cover.

    ​Am I eligible for a discount if I am a member of Automobile Association of India?

    Yes, we do offer car insurance discounts to members of certain associations.
    So, if you’re a member of any of the following automobile associations, you are eligible for a discount:

    • Automobile Association of Eastern India
    • The Western India Automobile Association
    • The Automobile Association of Southern India
    • The Automobile Association of Upper India
    • The Uttar Pradesh Automobile Association

    What is IDV and how is it calculated?

    IDV stands for Insured's Declared Value (IDV). This is the present market value of a car.
    It is calculated by adjusting the current manufacturer's listed selling price of the car with depreciation percentage as listed in the table below:

    What are electrical and non-electrical accessories? How do you calculate their value?

    ​Electrical accessories are any electronically powered accessories that are part of your car. This could include accessories such as music systems, LCD etc. which are not manufacturer fitted.

    You can protect electrical accessories, which are not factory fitted, by paying an extra premium of 4% on the value of the item. The value of the item is as stated by you i.e. the insured.

    Non-electrical accessories include anything from wheels to seat covers, which are not manufacturer fitted. Protection for these can be achieved by paying an extra premium on the invoice value of your car insurance quote​.

    What is meaning of the phrase ‘legal liability of the paid driver’?

    ​A paid driver is obviously someone you have appointed to drive your car. If this driver meets with an accident while driving your car, you will need to compensate him / her or that person’s family for the injury or loss of life.
    If you choose to include the option of ‘legal liability for paid driver’, then we, the insurance company, will pay this compensation amount. This cover is easily included with an additional premium of Rs. 50/- irrespective of any period of insurance, not exceeding 12 months.

    If I have LPG or CNG kit fitted in the car, but it’s not endorsed in the RC book, will it be covered in the policy?

    ​No, we will issue the insurance policy only if the LPG / CNG kit is incorporated on the Registration Certificate (RC) by the concerned RTO.

    If I purchase new accessories for my car, can I get them insured in the middle of the insurance policy term?

    Yes, you can!

    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.​


    Which factors affect / reduce the premium or insurance quote of my car?

    Factors that affect / reduce car insurance quote are​:

    • Insured Declared Value or IDV (present market value of the car)
    • Cubic Capacity (CC) of the car
    • Place of registration (Zone A / Zone B)
    • Type of model
    • Age of the car
    • Type of cover - whether you want comprehensive or third-party vehicle insurance cover only
    • Add-on covers chosen by you
    • No-Claim Bonus retention (this gets you a discount on the premium)

    What is an ARAI-approved car-theft device?

    ​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 maximum of Rs. 500.

    What are the different modes of payment accepted online? Are there different schemes?

    Online Payments for your car insurance definitely make life easier​. At Reliance General Insurance, you can pay your car insurance premium in following ways​:

    • Credit Card​
    • Netbanking
    • Debit Card using ATM PIN
    • Debit Card using 3D secure

    We accept all Visa, Mastercard, American Express cards and other international credit cards. You can also use other payment options like UPI and Paytm.​

    Am I eligible for a car insurance discount if I install anti-theft alarm and locking system?

    Yes, you are!

    When you mention the anti-theft and locking system installed on your car, the car insurance quote decreases relatively. We award a discount on the Own Damage premium if your car is fitted with an ARAI-approved anti-theft alarm and locking system.​


    Does the car model affect the cost of Car insurance?

    Yes, it does. The brand, make and model of the car dictates the car’s price. Since the car insurance premium is directly linked to the sum insured, the car model has an impact on the insurance cost. To know the premium for your car insurance policy, simply fill in your details and the vehicle registration number. A car insurance quote will be generated to give you an estimate of the premium.

    Check out: Car Insurance By Brand​ And Model​

    How do I register my claim?

    ​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.

    What documents are required to file a claim?

    ​Here’s a list of document you should keep ready while making a claim.
    Accident Damages:

    • Completed claim form
    • Proof of Automobile Insurance - Policy / Cover Note copy
    • Copy of Registration Book, Tax Receipt (Original required for verification)
    • Copy of Motor Driving License (with original) of the person driving the vehicle at the material time
    • Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
    • Estimate for repairer, where the vehicle is to be repaired
    • Repair bills and payment receipts after the job is completed
    • Any other document as required by the insurer


    Theft Cases:

    • Original Certificate/Vehicle Policy Document
    • Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
    • Previous Insurance Details
    • Policy number
    • Insuring office / company
    • Period of insurance
    • All the sets of keys/service booklets/Warranty card
    • Police Panchanama / FIR and final investigation report/JMFC report
    • Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
    • Any other document as required by the insurer

    When should I report to the police?

    You should report to the police immediately by contacting or going to nearest police station in case there is damage to any third-party property, bodily injury to third party or self, or theft of the car.

    In the event of an accident or a mishap, be assured of complete assistance from us to get you back on the road. Keep your car insurance papers in your automobile at all times.​


    What to do if my car is stolen?

    You should immediately report to the police before registering any claim as a delay in reporting will affect your claim, as an insurance company could deny liability.​

    What is cashless and non-cashless / reimbursement claim?

    ​Cashless Claim: 

    A cashless claim is one, where physical cash does not have to exist during the settlement of the claim. We, the insurers, will pay the repair charges of the car directly to the garage.

    However, this is possible only if the garage is part of our listed network of garages.


    Non-Cashless / Reimbursement Claim: 
    This type of payment or settlement occurs when you choose a garage that is not part of our network. In this case, you need to make the complete payment to the garage at the time of the repairs.

    Later, you can get this amount reimbursed by submitting the original bills and payment receipts to our office.


    Can I choose not to claim if the damage is minimal? What do I gain out of it?

    ​If the damage to the car is minimal, it is always a good idea not to make a claim on your car insurance plan. This will help you to benefit from the 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 No-Claim Bonus.

    How can I cancel my claim?

    You can cancel your claim by calling any of the following helpline numbers:

    Paid Number: ​+91 22 48903009​


     

    Where can I view the list of cashless garages in my city?

    What do you mean by Constructive Total Loss?

    ​If the repair cost of your car (in case of an accidental loss or damage) is more than its current value, it is known as a constructive total loss.

    A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV.​

    If I lodge my claim after the vehicle insurance policy expires for the event that occurred during the policy term, will the claim be valid?

    ​Yes!
    If the event of loss or damage took place during the policy period, you will be eligible for the claim even after the policy has expired.​

    Car Insurance Reviews and Ratings

    Average Rating:

    4.8(Based on 446 ratings)

    Showing 10 reviews

    • “Fully satisfactory service”

      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

      Prabodh Chugh14 September 2022, Karnataka
    • “Satisfied with the services of Reliance General Insurance”

      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.

      Ogifa Khatun16 August 2022, Assam
    • “Services are excellent”

      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.

      RAHUL BAGDE2 July 2022, Delhi
    • “Happy with the services of Reliance General Insurance”

      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.

      ABBAS VALLIAMBALIYASANA30 June 2022, Gujarat
    • “Motor Claim Intimation”

      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.

      Manish Virmani12 March 2022, Delhi
    • “Motor Claim Intimation”

      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.

      Mr. Kranthi Kumar6 November 2021, Bangalore
    • “Print Policy”

      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.

      Mr.Yazershereef4 November 2021, Bangalore
    • “Health Claim Status”

      The experience with Reliance General Insurance is very good. I have reliance covid-19 protection insurance where they have settled my claim smoothly. They have easily handled my query related to claim. I habe even communicated through email and have recieved a quick response. I made the claim and it was promptly taken care of. Thanks to Reliance for settling my claim in appropriate period of time. I'm very happy with Reliance general insurance.

      Dr Smita Abhijit Gaikwad16 October 2021, Ahmednagar
    • “Good Service and the Process was Pretty Smooth”

      Reliance has given me good service and the process was pretty smooth and easy. Brobot provided a very prompt response to my query and assisted me with the required details. Thank you so much, for providing such time savings service which is most important in todays situation.....Good Job. It was very good Connecting With Brobot.

      ARPIT  DUBEY10 October 2021, Varanasi
    • “Print Policy”

      I was looking for policy copy and then I visited your website to get my policy copy. I have got all the facilities and It has become so easy for us to download policy copy through website. I am really satisfied with overall service. Reliance General Insurance has one of the best website to get the information so fast and smooth. Don't have to wait for the call to get connected in customer care . Thank you Reliance for making the website user friendly .

      Mr. Virendra Yadav8 October 2021, Andheri
      • See all reviews