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Four-wheeler insurance by Reliance General Insurance - unbeatable prices and complete protection!
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Ankit Parekh
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A seasoned insurance professional with 22 years extensive experience in motor underwriting. Having experties in Risk Management, policy development, contributing to sustainable growth and profitability. Known for analytical acumen and customer focused approach.
Start every journey with confidence and your #CarKaYaar. Reliance car insurance policy offers comprehensive protection, tailor-made coverage and a hassle-free claims process.Enjoy tailor-made coverage that fits your specific needs, whether it is third-party liability or comprehensive car insurance. Plus, take advantage of our easy claims process, unique add-ons and 24x7 customer support.
Our policies go beyond legal requirements. We provide extra protection for your safety and comfort. 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, also known as four-wheeler insurance, serves as a financial safety net for your vehicle. It helps cover repair and replacement costs if an accident damages your car if it is stolen, or if it causes harm to others.In India, basic third-party insurance is required by law under the Motor Vehicles Act. However, a comprehensive car insurance plan is advisable for more all-round coverage. It covers the car, owner, and third-party liabilities. Our comprehensive car insurance policy offers:
Imagine driving your new car. Despite your careful driving and no mistakes, a sudden collision occurs. With Reliance General Insurance’s comprehensive motor insurance, the financial burden of repairs and medical expenses would be covered.This example shows why having a solid car insurance policy is essential for protecting yourself in unexpected situations. Reliance General Insurance makes it easy to get vehicle insurance, whether you are buying a policy for the first time or renewing it online. Our tailored plans, affordable prices and dedicated customer service protect your car when you need it most.
Starting at ₹238/Month*
We provide competitive insurance premiums. Get top-notch protection for your vehicle at a price that suits your budget.
Seamless Claim Process
For FY 2023-24, we boast a 100% claim settlement ratio*. Our claims settlement process has transparent video claims and real-time tracking for a smooth experience.
Up to 90%*
We offer premium discounts when you buy car insurance online. This digital convenience allows comparison and purchase from home, making savings accessible with a few clicks.
11,000+ Cashless Garages*
Gain an extensive network of Reliance cashless garages nationwide. The service includes free transportation of your car to and from the garage for convenience and efficiency in repairs.
Up to 50%*
With Reliance's NCB in car insurance, enjoy up to a 50% discount* on insurance premiums after five claim-free years. This reward system encourages safe driving and claim-free records.
48 hours only
Report a claim and receive a call for a survey within 48 hours from us. This guarantees a swift, efficient and seamless claim settlement process, prioritising your convenience.
Pay only for the distance driven
The Pay-As-You-Drive (PAYD) option aligns your premium with your car's mileage for a fair and flexible premium system. With PAYD, you pay proportionately to your vehicle's usage.
Coverage for third-party property and persons
We provide third-party liability insurance. This insurance protects you from legal and financial problems. It covers damages, injuries, or deaths caused by your vehicle to others.
Complete coverage for your vehicle
This coverage protects your car from damage. It covers accidents, theft, fire, vandalism and disasters, giving you peace of mind in many situations.
Up to ₹15 lakhs
Mandatory coverage that provides financial support to the owner-driver. It covers death or permanent disability from an accident that involves the insured vehicle.
10+ car insurance policy add-ons available
You can customise your car insurance policy. Choose from different add-ons like Nil Depreciation and Return to Invoice. This way, you get coverage that fits your needs.
Zero paperwork
Enjoy simplified purchase and renewal of car insurance online. We streamline policy issuance, making it effortless for policyholders to maintain continuous coverage.
24x7 expert help
Our customer support is available 24x7 to assist with purchases, claims, enquiries and any other insurance-related needs. You have the support you need whenever you need it.
Third-Party Car Insurance Meaning: A third-party liability insurance policy protects you from claims made by others. It covers injuries, death, and property damage when your vehicle is 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: A Comprehensive Car Insurance Policy, 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 cover, or nil depreciation cover, guarantees you get the full cost to replace car parts. This happens without any deductions for depreciation when you make a claim.
Pay-as-you-drive car insurance is a new and smart way to buy car insurance. Under this policy, the number of kilometres you drive directly affects the premium you pay.Reliance General Insurance offers a product called Reliance Limit Sure - Pay As You Drive. This car insurance is for drivers who want to pay based on how much they use their vehicle. It enables you to enjoy "drive less, pay less” with car insurance.The Reliance Limit Sure - Pay As You Drive Insurance is available as an add-on with our Standalone Own-Damage Car Insurance Plan.
If you drive your car only 2,500 kilometres a year, Pay As You Go insurance is a better choice than a regular plan. With Reliance Limit Sure Pay As You Drive Insurance, you select a kilometre limit starting at 2,500.Report your odometer reading. If you drive less than the limit, the ‘Carry-Forward’ feature lets you roll over unused kilometres. If you exceed it, use the ‘Top-Up Limit’ to add more. The policy also provides a Grace Kilometre limit of 125 km to top-up or renew before coverage ends.This benefit is only available with the own-damage part of a car insurance policy.
A third-party policy is cost-effective for meeting legal requirements. It is also ideal for older or low-use vehicles.
Comprehensive insurance is recommended for new or high-value cars. It offers broader protection, covering both third-party liabilities and your own vehicle’s damages. It is also suitable for those seeking extra protection through add-on covers, ensuring extensive security for their car.
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 by 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 outbreaks or explosions, 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 from one place to another. It covers roads, rail, inland waterways, air, and lifts.
Compensation up to ₹15 lakhs for the owner-driver. It covers accidental death or permanent total disability arising from a car accident.
The decrease in the value of the car or car parts due to wear and tear is not covered. For this coverage, you need to opt for nil depreciation or return-to-invoice add-ons.
Our insurance plan does not cover damages resulting from a mechanical breakdown, electrical breakdown or vehicle's mechanical failures.
Reliance car insurance does not cover any damage caused while driving illegally. This includes using the car for illegal races or in restricted areas.
Reliance four-wheeler insurance does not cover accidents caused by reckless driving or failure to follow the traffic rules.
Accidents/damages occurring when driving without a valid driving licence or necessary documents are not included.
Our policy does not cover accidents occurring while the driver is under the influence of alcohol or drugs.
Reliance four-wheeler insurance does not cover Damages or accidents occurring outside the geographical boundaries specified in your policy.
The car insurance policy does not cover any damage that existed before the policy came into effect.
Our policy does not cover damages caused by war, invasion, acts of foreign enemies, or other such events.
Our insurance plan does not cover the usual degradation of the vehicle over time. This includes minor scratches, dents not caused by a covered event, and ageing of parts.
You do not get coverage for damages to electrical components not caused by a covered peril.
The Motor Vehicles Act mandates at least third-party car insurance for your vehicle. Buying a third-party insurance policy helps you avoid legal penalties and fines.
Car insurance covers your responsibility towards 3rd parties for any injuries, death or property damage. This protection is crucial to safeguard against potential financial and legal repercussions.
Car insurance provides financial cover in the event of your vehicle's theft. You are reimbursed the current market value of the car, ensuring you are not left bearing the full financial burden.
Accidents can result in major financial losses. A four-wheeler insurance covers repairs to your vehicle or the cost of replacement in case of total loss.
Natural disasters like floods, earthquakes, heavy rainfall and landslides can cause extensive damage. Car insurance helps manage these costs, protecting you from the cost of repairs or replacement.
Four-wheeler insurance policies offer personal accident cover for the owner-driver. This covers medical treatment in case of injuries or compensation to the family in the event of death.
With add-ons, you can customise your car insurance policy to suit your specific needs. You can also get targeted and comprehensive coverage beyond the base policy.
Get access to a wide network of cashless garages. Our repair process is easy and hassle-free, and we provide quality service without upfront payments.
Knowing that you are protected against a wide range of incidents can provide significant peace of mind while driving.
Reliance car insurance add-ons enhance the coverage of your base policy. This allows for customisation according to specific needs and concerns.
Also Read: How Add-ons Are Useful in a Car Insurance Policy?
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 determines third-party insurance premium rates in India 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 is a significant factor in determining the cost. Third-party, standalone own-damage, comprehensive and zero-depreciation will affect your premium differently.
Add-ons 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 with depreciation as your car ages. This means that a brand-new car with a higher IDV will incur a higher premium than an older car.
Every car model has distinct specifications that determine premiums. These include 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 policy premium.
Your car's engine cubic capacity, make and model, accessories, and other specifications affect your premium. Therefore, modifying your car to 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, your premiums can be lower.
Claims history is yet another important factor affecting your policy premium. If you have not registered a claim during the previous policy year, you are eligible for a No-Claim Bonus. A no-claim bonus in car insurance provides 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.
Certain fuel types incur higher repair costs for specified parts. Additionally, the fuel type determines the car's market value and, thus, its IDV. For this reason, they can increase 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 because of the higher probability of claiming insurance for car damage.
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.
Any modifications to your coverage will affect your four-wheeler insurance premium. Common modifications include modifying add-ons, changing IDV, using NCB discount or losing NCB.
A car insurance premium calculator is an online, simple and user-friendly tool. You just need to input a few details.Add your car specifications, type of coverage required, and add-ons. And your car insurance premium will be right there!
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]
Own-Damage Premium = IDV x [Premium Rate (decided by the insurer)] + [Add-Ons] - [Acquired Discounts and Benefits]
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:
Before renewing or buying, compare car insurance plans online. Using online tools and calculators can help you find the best car insurance at the lowest price, tailored to your requirements.
Get up to 50% discount on premiums for 5+ consecutive claim-free years. Consider buying the NCB Protection Cover add-on to protect this bonus, even after making up to 2 claims.
Consider paying for minor claims out of pocket instead of filing a claim for every small incident. Frequent car insurance claims can increase your premium, whereas lower claims ensure NCB discounts and lower premiums.
If you drive less, choose the Pay-As-You-Drive car insurance plan. This plan adjusts the premium based on the actual distance you drive, ensuring savings for low-mileage drivers.
Add-ons in car insurance provide targeted and extensive coverage. However, carefully select only those that you truly require and avoid unnecessary premium additions.
Installing approved anti-theft devices in your vehicle can reduce your premium. It reduces the risk of theft, which insurers consider when calculating your premium.
Renewing your four-wheeler insurance before it expires can prevent any penalties and fines associated with lapsed coverage. Also, you can enjoy discounts for uninterrupted coverage.
If you are confident about your driving and the condition of your vehicle, opt for a higher voluntary deductible. A higher deductible reduces the insurer’s risk, thereby reducing your premium.
Your IDV value for car insurance has a direct impact on your overall insurance premiums. So, it is essential to choose an IDV that accurately depicts the current market value of your car.
(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:
The operational savings from online transactions are passed on to you, resulting in up to 90% lower premiums when you buy a car insurance policy online.
The online process eliminates the need for physical documents, making the purchase of a car insurance policy online easy and eco-friendly.
Our car insurance calculator allows you to compare car insurance online - features, benefits and premiums - helping you make an informed decision.
With Reliance General Insurance, you can quickly receive four-wheeler insurance quotes online by entering your vehicle’s details on our online calculator.
Once you decide to buy car insurance online with us, the policy is issued instantly with no delays in coverage commencement.
Our online platform ensures transparency with no hidden fees and costs. All car insurance coverage terms and conditions are clearly stated.
Reliance General Insurance provides 24/7 dedicated customer support to address any queries or concerns you may have when buying car insurance online.
The comfort of purchasing or renewing your car insurance online from anywhere and at any time eliminates the need to visit an office physically.
Buying online ensures that your coverage starts the moment the payment is processed, providing instant protection for your car.
Disclaimer: The above table provides a simplified overview of the popular types of four-wheeler insurance policies based on general features. Actual coverage and benefits can vary based on specific policy terms and conditions.
Check the policy wordings for Reliance 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.
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 Insurance Advantage: We offer a choice of 3 IDVs so that 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 coverage satisfies the legal requirement but offers limited coverage. Own-damage insures the vehicle but does not cover third-party damages. Comprehensive covers damages to your vehicle along with third-party liabilities.
Reliance General Insurance Advantage: We offer all three types of coverage and a range of bundled plans and coverage options.
Add-ons 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 Insurance Advantage: Reliance General offers 10+ add-ons, including Nil Depreciation, 24x7 Roadside Assistance and even EV-based add-ons.
A higher ratio indicates that the car insurance company is reliable and has a good track record of settling claims. This assures financial protection when needed.
Reliance General Insurance 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 Insurance 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 nationwide network of garages ensures easy accessibility to cashless repair services, adding convenience to your experience.
Reliance General Insurance Advantage: You can choose from 11,000+ Reliance General Insurance’s network garages for a cashless and seamless claim experience.
Use online car insurance calculators to compare 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 Insurance Advantage: Our website seamlessly allows you to compare insurance quotes, features and benefits of different policies 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 Insurance Advantage: Our customer-centric process, tailor-made policies, and 24/7 customer support are trusted by more than five crore satisfied customers.
Our website's process for buying and renewing car insurance online is designed to be straightforward and user-friendly.
Follow the below process to buy a comprehensive car insurance policy online or renew an existing four-wheeler insurance policy from another insurance provider with us.
For assistance during or after your purchase, you can visit our Self-Help Corner, download the Reliance Self-i App or simply call our 24x7 helpline.
For car insurance renewal online for existing Reliance General insurance policies, follow the below steps:
You can renew your car insurance after expiry either through the Reliance Self-i App, visit the Reliance General Insurance website, or call us at +91 22 4890 3009. Here are some quick steps to renew your car insurance online:
Here are some disadvantages of letting your car insurance policy expire:
Driving with an expired car insurance policy can lead to fines of ₹2000 for the first offence and up to ₹4000 for subsequent ones.
Letting your policy expire resets your No Claim Bonus (NCB) discount to 0%, meaning you’ll lose any accumulated savings and have to start over.
Without valid insurance, you’ll bear the full cost of repairs after an accident. In cases of major damage or theft, the financial loss could be significant as there will be no compensation.
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 making any repairs, as waiting too long can make your claim inadmissible.
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
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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
This covers financial and legal liabilities if your vehicle causes damage to a third party (individual or property) in an accident.
This includes repair costs for damage to your car from accidents, natural/man-made disasters, etc. However, it does not cover depreciation; you’ll need a Zero Depreciation add-on for that.
Mandatory for the owner-driver, this cover provides up to ₹15 lakhs for medical expenses, permanent disability, or death caused by accidents (as per IRDAI guidelines).
IDV is your car’s current market value and the maximum payout in case of theft or major repairs. It’s calculated based on factors like the car’s ex-showroom price, age, model and depreciation rate.
NCB is a discount on your premium for not filing any claims. It starts at 20% for the first claim-free year and can go up to 50% by the fifth year. If you file a claim, your NCB drops to zero.
Reliance General Insurance has tie-ups with specific garages where you can repair your car without paying upfront. The insurer settles bills directly with the garage, making repairs easy. Use the garage locator tool to find a network garage near you.
This refers to the decrease in your car’s value over time due to wear and tear. Depreciation isn’t covered in claims unless you have a zero depreciation add-on.
A deductible is an amount you must pay out-of-pocket during a claim. There are two types. Compulsory Deductible is set by the IRDAI, based on the car’s engine cubic capacity (cc). Voluntary Deductible is an optional amount you choose, which helps reduce your premiums but requires you to pay more during a claim.
Items like engine oil, brake oil, nuts, bolts, etc., need regular replacement due to wear and tear. These aren’t covered unless you have a consumables add-on.
Comprehensive plans offer additional coverage options. Popular add-ons include zero depreciation, NCB protection, return-to-invoice and roadside assistance, which enhance car insurance but require an extra premium.
Having car insurance protects you financially from any losses that an accident or injury causes. Moreover, it is mandatory under Indian law to have at least 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 same way; the only difference between them is their pricing. Offline plans are slightly more expensive because intermediary parties like agents are involved in selling the policy and get a cut of the sales they make. Online plans cut out the middleman, so they are cheaper.
To buy car insurance online, 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, such as your claims history, location, any modifications made to the vehicle, and the policy type you choose, will also affect your overall cost.
You can renew your expired car insurance policy online through our website or the Reliance Self-i App.
Once our surveyor completes the inspection of your vehicle, your policy will be issued and made ready. Please note that this applies only to an own-damage or comprehensive insurance policy and not to a third-party policy.
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. Suppose you have accumulated an NCB discount under a policy from a different insurer. In that case, 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 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
If you change your location, your policy will remain unaffected. However, your insurance might change at the time of renewal if you move from a Zone B location (which includes non-metro cities) to a Zone A location (which includes 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 any car must be insured, at least against third-party damages. 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 of cancelling / transferring the old policy.
Once a request is logged in, the inspection process takes place within 24 hours. An online recommendation from the surveyor follows a successful inspection. Within 48 hours of that recommendation, you must log in to the website and convert your auto insurance policy. If you fail to convert your policy within that time frame, you will 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 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 claimed 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 earned 20% NCB on your previous year's car policy and that your car's IDV 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 you renew with us. If you want to claim this facility, you only need to pay a small additional premium.
This add-on cover entitles you to get 100% repayment on the depreciated parts 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 premium, you can benefit from the repair costs. The covered car parts are fibreglass, rubber, tyres, batteries, airbags, 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 to select makes and models.
The Total Cover add-on reimburses you for the costs of registration fees, octroi, road tax, and insurance premiums. This coverage is offered when your car is lost, stolen, or damaged beyond repair.
This add-on offers the full amount mentioned on your car's original invoice. This includes all associated costs in case of a total loss in car insurance.
The voluntary deductible is an amount you agree to pay towards a claim 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 your car insurance premium.
For example, suppose your claim amount is ₹20,000, the compulsory deductible is ₹2,000, and the voluntary deductible is ₹3,000. In this case, 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
No, we will issue the insurance policy only if the RTO mentions the LPG/CNG kit on the RC.
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.
ARAI stands for Automotive Research Association of India. Suppose you have installed a certified ARAI-approved anti-theft device in your vehicle. In that case, 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. These help reduce a vehicle’s overall risk profile, thereby reducing 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, seat covers and high-end stereo systems.
Electrical accessories can increase your premiums. It is important to communicate any modifications to your car at the time of policy purchase or renewal.
You can claim the Personal Accident cover in case the following results from an accident
For death claims, you must be listed as the policy beneficiary.
For personal injury and disablement, the PA cover will only cover you—the registered owner of the car/policyholder. Personal accident cover does not mandate coverage for your passengers. 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 the event of an accident or mishap, we will provide complete assistance to get you back on the road. Keep your car insurance policy papers in your automobile at all times. This procedure applies to both reimbursement claims 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.
The NCB can reduce your premium cost by half. Just don't make any claim on your car insurance policy for a few years. In fact, the amount you spend on small repairs occasionally is less than the amount you stand to lose as a No-Claim Bonus. In fact, the amount you spend on small repairs occasionally is less 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. Additionally, you can contact the designated claim manager and submit 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 the address on your nearest cashless garage list.
March - 2025, COIMBATORE
January - 2025, Nalgonda
February - 2025, Hyderabad
December - 2024, Coimbatore
January - 2025, Mansoorabad
March - 2025, Nalgonda
December - 2024, Kanchipuram
February - 2025, Bangalore
Disclaimer: *T&C apply. For more details on risk factors, terms and 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 excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 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, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
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 without claims outstanding at the start of the financial year, as per Reliance General Insurance Co. Ltd's public disclosure.
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