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Car Insurance

Four-wheeler insurance by Reliance General Insurance - unbeatable prices and complete protection!

Car Insurance Policy Online

Car insurance premium starting at ₹​​​238/Month*

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Reviewed by  Ankit Parekh:

Ankit Parekh

Senior Vice President

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.

Buy Car Insurance Online

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... Read more

5 crore+
happy customers		 11,000+
network garages*		 100%
claims settled*		 ₹238/month
starting premium*
Car Insurance
What is Car Insurance

What is Car Insurance?

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:

  • Comprehensive Coverage
  • Affordable Premiums
  • Amazing Add-Ons
  • Pay-As-You-Drive
  • Easy Purchase and Renewal
  • Reliable Claim Process
To better understand how motor insurance policies help you, let us look at an example: ... Read more

Features of Reliance Car Insurance Plans

Affordable Car Insurance Premium

Starting at ₹238/Month*

We provide competitive insurance premiums. Get top-notch protection for your vehicle at a price that suits your budget.

100% Claim Settlement Ratio*

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.

Discount on Online Car Insurance Prices

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.

Cashless Repairs

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.

No Claim Bonus in Car Insurance

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.

Quick Claim Survey

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 As You Drive Cover

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.

Third-Party Damages

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.

Own-Damage Cover

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.

Mandatory Personal Accident Cover

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.

Wide Range of Add-Ons

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.

Buy/Renew Car Insurance Online

Zero paperwork

Enjoy simplified purchase and renewal of car insurance online. We streamline policy issuance, making it effortless for policyholders to maintain continuous coverage.

Dedicated Customer Support

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.

Types of Car Insurance Plans

Third-Party Car Insurance Policy

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:

  • This is a legal requirement for all vehicle owners under the Motor Vehicles Act.
  • The IRDAI regulates third-party insurance premiums for cars, making it a budget-friendly choice for people wanting basic coverage.
  • You can easily buy and renew Reliance General Insurance’s third-party insurance online. This helps you meet legal requirements.

Standalone Own Damage Policy

Own-Damage Insurance Meaning: The Standalone Own-Damage Insurance policy protects against vehicle damages caused by accidents, natural calamities, fire, and theft.

Features and Benefits:

  • Own Damage Insurance is a great option for people who have third-party car insurance. It offers extra protection for your vehicle.
  • Reliance General Insurance provides car insurance for damage to your vehicle. You can choose different coverage options and add-ons. One option is nil depreciation cover. This lets you customise the policy to fit your needs and budget.

Comprehensive Car Insurance Policy

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.

Features and Benefits:

  • A comprehensive insurance policy covers many types of damage and loss, including theft, natural disasters, and accidents. It also covers liabilities to other people. A single policy includes all of this.
  • The Reliance comprehensive car insurance policy offers peace of mind with complete protection for your vehicle.
  • We offer flexibility in coverage with 10+ add-ons to meet individual needs.
  • Additionally, get a personal accident cover up to ₹15 lakhs for the owner-driver.

Zero Depreciation Car Insurance Policy

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.

Features and Benefits:

  • This type of insurance is especially beneficial for new or high-end cars, where the cost of replacement parts can be high.
  • Reliance General Insurance provides zero depreciation car insurance as an extra option with comprehensive or own-damage policies.
  • Our Nil Depreciation add-on means that depreciation won't lower your claim payments. You will receive full coverage for your needs.

Pay As You Drive Insurance by Reliance General Insurance

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.

How Drive Less, Pay Less Insurance Works

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.

Benefits of Reliance Limit Sure

  • Pay As You Drive insurance lets you choose how far you will drive in a year for your policy. You can start at 2,500 km and increase it in multiples of 1,000. You only pay for the kilometres opted for.
  • Drive less to save on your premium. The less distance you choose, the lower your 'Kilometre Limit' will be, which means you'll pay less for your insurance. So, if you drive less, you pay less.
  • You won’t lose anything if you don’t use up your ‘Kilometre Limit.’ You can carry over any unused kilometres to the next policy year when you renew. If you run out of kilometres during the year, you can easily add more to restore your limit.
  • If you use up your 'Available Kilometres' during the year, you can easily add more to restore your limit. This way, you are never out of insurance coverage.

Third-Party Liability vs Comprehensive Car Insurance Plan

Parameters Third-Party Car Insurance Policy Comprehensive Insurance Policy
Meaning Covers damages to third parties caused by your vehicle Covers both third-party liabilities and damages to your vehicle.
Extent of Coverage Third-party damages include legal responsibility for injury, death, and property damage to third parties. Third-party damages, personal accident cover and damages to the vehicle, including theft, natural disasters and accidents.
Legal Requirement Yes, as per the Motor Vehicles Act. No, but it is highly recommended for comprehensive coverage.
Car Insurance Premium Generally lower as it provides basic coverage. Higher due to the broader coverage and protection.
Car Insurance Price Decided By Regulated by the IRDAI annually, varies based on the vehicle's engine capacity. Depends on various factors, including vehicle make and model, age and add-ons chosen.
Choice of Add-ons Not applicable. Optional add-ons like nil depreciation, engine protection, return-to-invoice, etc., are available.
Discount on Car Insurance Premiums Limited options are available, mainly for installing anti-theft devices. Various discounts include A no-claim bonus, anti-theft device installation and membership in automobile associations.
Third-Party Liability Cover Covers unlimited liability for injury/death and up to a certain limit for property damage. Covers unlimited liability for injury/death and up to a certain limit for property damage.
Personal Accident Cover Optional, but recommended for the owner-driver's safety. Mandatory for the owner-driver.

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.

Understand the Coverage Offered Under Car Insurance

Third-Party Liabilities

Covers financial liabilities arising from 3rd party liability claims, including damage to third-party property, injuries to individuals and death.

Accident and Collision Coverage

Reimbursement of repair or replacement costs resulting from collisions or road accidents of the insured vehicle.

Theft of Insured Car

Coverage for damages caused by theft of car or car parts based on the Insured Declared Value (IDV) of the vehicle.

Natural Calamities

Natural calamities covered by car insurance include floods, earthquakes, hurricanes, and heavy rainfall.

Why Do You Need Car Insurance?

Comply With the Motor Vehicles Act

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.

Protects from Third-Party Liability

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.

Cover Against Theft

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.

Protect from Financial Losses

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.

Cover Against Natural Calamity

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.

Personal Accident Cover

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.

Enhanced Coverage Options

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.

Network of Cashless Garages

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.

Peace of Mind

Knowing that you are protected against a wide range of incidents can provide significant peace of mind while driving.

Car Insurance Add-on Covers

Reliance car insurance add-ons enhance the coverage of your base policy. This allows for customisation according to specific needs and concerns.

Car Insurance add-ons What it means?
Pay-As-You-Drive Car Insurance Your premium adjusts based on how many kilometres you drive. You can buy extra kilometres if needed. You can also carry forward unused kilometres or get refunds.
Nil Depreciation (Bumper-to-Bumper) Insurance Zero Depreciation Cover reimburses the full cost of replaced parts. There are no depreciation deductions. It helps maintain your car’s value after repairs.
24x7 Roadside Assistance If your vehicle breaks down, get immediate help. This includes towing, fuel delivery, tyre changes and battery jump-starts. Emergency accommodation is also available if required.
Engine Protection Cover This cover protects your car’s engine. It includes repairs or replacements due to water damage, oil leaks or other engine issues.
Return-to-Invoice Cover This cover reimburses the full on-road price of your car in case of total loss or theft. You get the complete value, not just the depreciated amount.
Total Cover This cover includes the full on-road price of your car. It also covers registration fees, road tax and insurance premiums. You won’t pay anything out-of-pocket in severe damage cases.
EMI Protection Cover If repairs take more than 21 days, this cover takes care of your car loan EMIs. Thus, you get financial relief during long repair periods.
NCB Retention Cover This cover allows you to retain your No Claim Bonus even after making a claim during the policy period. You still enjoy premium discounts after a claim.
Daily Allowance Benefit This cover provides a fixed daily allowance while your car is in the garage. It also helps cover transportation costs.
Key Replacement Cover This cover helps replace lost or stolen car keys. It includes costs for new keys, locks and key cutting.
RIM Protection It covers the repair or replacement of damaged rims. This is useful for cars with high-end or expensive rims.
Tyre Protection Cover This cover includes the repair or replacement of damaged tyres. It protects against accidental damage and wear.
Consumables Expenses Covers the cost of consumables like oil, nuts and bolts after an accident. These are typically excluded from standard policies.
Loss of Personal Belongings It covers the loss of personal items stolen from your car. This includes valuables like laptops or smartphones.
Geo Extension This cover extends your car insurance to other countries. It includes coverage in Pakistan, Nepal and Bangladesh.
Electrical Accessories This cover protects electrical accessories installed in your car. It includes items like audio systems or navigation units.
Non-Electrical Accessories It covers damage or theft of non-electrical modifications. This includes items like seat covers or alloy wheels.
Emergency Hotel Accommodation This covers hotel costs if your car breaks down far from home. If you’re over 200 km from home and your vehicle is unusable, you get financial help for accommodation.
Electric Vehicle Battery Protection It covers damage or theft to your electric vehicle’s battery. This add-on protects you against the high costs of repairs or replacement.
Electric Motor Protect This cover protects your electric vehicle’s motor. It covers motor-related repairs or replacements.
Electric Vehicle Charger This cover protects your EV’s charging unit against damage or theft. It ensures your charging system remains operational.

Also Read: How Add-ons Are Useful in a Car Insurance Policy?

Factors That Affect Your Car Insurance Premium

Engine Capacity

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.

Insured Declared Value (IDV)

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.

Insurance Coverage

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

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.

Age of the Car

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.

Car Model

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.

Modifications to the Car

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

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.

Deductibles

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.

Fuel Type

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.

Geographical Location

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

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.

Car Insurance Modifications

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.

How to Calculate Car Insurance Premium

Using a Car Insurance Premium Calculator

A car insurance premium calculator is an online, simple and user-friendly tool. You just need to input a few details.

Add your car specifications, type of coverage required, and add-ons. And your car insurance premium will be right there!

Using the IDV Calculation Formula

The IDV for your car insurance can be calculated using the following formula:

IDV = [Listed selling price of the manufacturer – depreciation] + [Cost of accessories not incorporated in the list price – applicable depreciation]

Using the Own-Damage Premium Calculation

Own-Damage Premium = IDV x [Premium Rate (decided by the insurer)] + [Add-Ons] - [Acquired Discounts and Benefits]

Third-Party Car Insurance Premium

Third-party car insurance premium rates are determined by the Insurance Regulatory and Development Authority of India (IRDAI). The premium rates as of 2023 are as follows:

Single Premium For Cars - 1-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 1000 CC ₹2,094
Between 1000 and 1500 CC ₹3,416
More than 1500 CC ₹7,897

Single Premium For Cars - 3-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 1000 CC ₹6,521
Between 1000 and 1500 CC ₹10,640
More than 1500 CC ₹24,596

Single Premium For Electric Cars - 1-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 30KW ₹1,780
Between 30KW and 65 KW ₹2,904
More than 65 KW ₹6,712

Single Premium For Electric Cars - 3-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 1000 CC ₹5,543
Between 1000 and 1500 CC ₹9,044
More than 1500 CC ₹20,907

How to Reduce Car Insurance Premium?

Compare Car Insurance

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.

No Claim Bonus in Car Insurance

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.

Reduce 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.

Opt for Pay-As-You-Drive Insurance

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.

Avoid Unnecessary Add-ons

Add-ons in car insurance provide targeted and extensive coverage. However, carefully select only those that you truly require and avoid unnecessary premium additions.

Anti-Theft Devices in Car Insurance

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.

Timely Car Insurance Renewal

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.

Voluntary Deductibles in Car Insurance

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.

Factors Impacting the Insured Declared Value

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.

The IDV calculation formula is

(Car Manufacturer’s Current Listed Price - Depreciation Value) + (Cost of Additional Car Accessories - Depreciation Value of these Accessories)

However, multiple factors play a role in deciding your IDV amount. Here are some factors that have a significant impact on your IDV:

  • Age of the Car: The age of your car directly affects the estimated IDV for car insurance. Generally, the IDV decreases as your car gets older due to depreciation and wear and tear of car parts.
  • Car Make/Model: New and advanced cars usually have a higher IDV than traditional models. This is because they have a better market value and may also have specialised parts that cost more to repair/replace.
  • Place of Registration: The place where your car is registered also affects the IDV. The IDV for a vehicle registered in a metropolitan city is higher. This is because the likelihood of accidents tends to increase in cities with a high population.
  • Modifications and Accessories: Any modifications to your vehicle or added accessories that are not factory-fitted affect the IDV. The cost of these modifications or accessories is added to the IDV.
  • Deductibles: Higher deductibles result in lower IDV. This is because the policyholder is expected to bear a higher portion of the claim amount.
  • Depreciation: The depreciation rate influences the IDV for car insurance.

Depreciation Percentages for Fixing the IDV for Car Insurance

Vehicle Age Percentage of Depreciation
< 6 months 5%
> 6 months but ≤ 1 year 15%
> 1 year but ≤ 2 years 20%
> 2 years but ≤ 3 years 30%
> 3 years but ≤ 4 years 40%
> 4 years but ≤ 5 years 50%

Benefits of Buying Car Insurance Online

90% Discounts* on Premiums

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.

Zero Paperwork

The online process eliminates the need for physical documents, making the purchase of a car insurance policy online easy and eco-friendly.

Easy Comparison

Our car insurance calculator allows you to compare car insurance online - features, benefits and premiums - helping you make an informed decision.

Instant Quotes

With Reliance General Insurance, you can quickly receive four-wheeler insurance quotes online by entering your vehicle’s details on our online calculator.

Instant Policy Issuance

Once you decide to buy car insurance online with us, the policy is issued instantly with no delays in coverage commencement.

Transparent Buying Process

Our online platform ensures transparency with no hidden fees and costs. All car insurance coverage terms and conditions are clearly stated.

24x7 Customer Service

Reliance General Insurance provides 24/7 dedicated customer support to address any queries or concerns you may have when buying car insurance online.

Convenience

The comfort of purchasing or renewing your car insurance online from anywhere and at any time eliminates the need to visit an office physically.

Instant Coverage

Buying online ensures that your coverage starts the moment the payment is processed, providing instant protection for your car.

Compare Car Insurance Online

Compare Car Insurance Online: Third-Party vs Own-Damage vs Comprehensive Car Insurance Cover

Coverage

Comprehensive

Own-Damage

Third-Party
Damage To Your Own Vehicle ✓ ✓ ✕
Damage To Third-Party Vehicle / Property ✓ ✕ ✓
Customise Car IDV ✓ ✓ ✕
Damage Due To Fire ✓ ✓ ✕
Damage Due To Natural Calamities ✓ ✓ ✕
Losses Due To Theft ✓ ✓ ✕
Optional Add-Ons
Personal Accident Cover ✓ ✓ ✓
No Claim Bonus Retention Cover ✓ ✓ ✕
Daily Allowance Benefit ✓ ✓ ✕
EMI Protection Cover ✓ ✓ ✕
Nil Depreciation Cover ✓ ✓ ✕
Total Return To Invoice Cover ✓ ✓ ✕
Engine Protection Cover ✓ ✓ ✕
Return To Invoice Cover ✓ ✓ ✕

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.

How to Choose the Best Car Insurance Policy?

Pick a Suitable IDV in Car Insurance

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.

Choose the Type of Coverage

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.

Choose Your Car Insurance Add-Ons

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.

Check Claim Settlement Ratio

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.

Check Claim Settlement Process

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.

Check Network Garages

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.

Compare Car Insurance Quotes

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.

Check Car Insurance Reviews

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.

How to Buy/Renew Car Insurance Online?

Our website's process for buying and renewing car insurance online is designed to be straightforward and user-friendly.

How to Buy Car Insurance Online With Reliance General Insurance

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.

  • Visit the Website:

    Go to our Car Insurance page and enter the Car’s Registration Number, Mobile Number and Email ID. Click on ‘View Prices’.

  • Choose Add-ons, Discounts and Insured Declared Value (IDV):

    Select the add-ons, discounts (anti-theft devices/voluntary deductibles) and IDV from the range of 3 IDVs given.

  • Select the Plan:

    From the different options, select the car insurance policy online you wish to purchase. Click on ‘Buy Now.’

  • Review the Details:

    The screen will display all the details of the four-wheeler insurance policy, including the premium breakdown. Verify all the details and click on ‘Next.’

  • Confirm Final Details and Pay:

    Verify the details displayed on the screen. Click on ‘Proceed to Pay’ to buy the car insurance policy online. Select your preferred payment option and make the payment. A soft copy of the car insurance policy will be sent to your authorised email address.

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.

How to Renew Car Insurance Online with Reliance General Insurance

For car insurance renewal online for existing Reliance General insurance policies, follow the below steps:

  • Go to our official website. To navigate to the car insurance policy renewal page, click on ‘Renewal’ → ‘Renew Car Insurance’.
  • You can renew your policy with your Mobile Number or existing Policy Number.
  • Add or verify the car registration number/engine number/chassis number.
  • The screen will display the existing policy details and NCB. Verify the same.
  • This is a good time to update or modify your car insurance policy online. You can add or remove add-ons or change coverage details as displayed on the screen.
  • Proceed to pay the applicable car insurance renewal price.
  • Upon successful payment, you will receive a confirmation of your Reliance car insurance renewal, along with a digital copy of the four-wheeler insurance policy document sent to your registered email address.

How to Perform Your Expired Car Insurance Renewal Online?

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:

  • Visit www.reliancegeneral.co.in and select "Renew Car Insurance" under the Renewal tab
  • Enter your registered mobile number or policy number
  • Enter your car registration number/engine number/chassis number
  • Check your car details, personal details and premium
  • Include any applicable add-ons you desire
  • Pay to get your policy immediately

Why Should You Renew Expired Car Insurance?

Here are some disadvantages of letting your car insurance policy expire:

Legal Issues

Driving with an expired car insurance policy can lead to fines of ₹2000 for the first offence and up to ₹4000 for subsequent ones.

Loss of NCB Discount

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.

High Repair Costs

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.

How to File a Four-Wheeler Insurance Claim?

  • For a cashless claim, you can get your car repaired at a network garage, and we will directly settle the bill (up to the amount payable) with them.
  • For a reimbursement claim, you can get your car repaired at the garage of your choice, pay for the repair costs,yo and then register your claim with us to be compensated (up to the amount payable).

Reliance Car Insurance Claim Process

Step 1: Register Claim

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.

Step 2: Submit Documents

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.

Step 3: Wait for Your Claim Approval

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.

Step 4: Claim Settlement

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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Documents Required for Car Insurance Claim

  • Filled and signed car insurance claim form
  • Copy of your car insurance policy
  • Copy of your driver's licence
  • Copy of the Registration Certificate (Including your car model)
  • Copy of an FIR (For accidents/third-party involvement)
  • Copy of the acknowledged letter addressed to the RTO intimating theft and "NON-USE" of the vehicle (For theft)

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

Car Insurance Terms You Need to Know About

Third-Party Coverage

This covers financial and legal liabilities if your vehicle causes damage to a third party (individual or property) in an accident.

Own Damage

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.

Personal Accident Cover

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).

Insured Declared Value

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.

No Claim Bonus

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.

Cashless Garage

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.

Depreciation

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.

Deductible

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.

Consumables

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.

Add-On Cover

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.

Car Insurance FAQ's

  • Why do I need car insurance in India?

    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.

  • What are the types of car insurance in India?

    There are three types of car insurance policies —

    • Third-party car insurance covers third-party liabilities, such as losses and expenses caused to a third-party individual or their property. These plans are the cheapest.
    • Your own damage cover covers the cost of damage/loss caused to your insured car. It can be bought alongside a third-party plan.
    • Comprehensive car insurance plans combine the coverage offered under a third-party plan and own damage cover under one policy. These plans are slightly more expensive and also offer add-on cover options.

  • Are online and offline car insurance policies the same?

    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.

  • What are the documents required for car insurance?

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

    • Documents containing details of your car’s make/model.
    • KYC identity and address proof documents, like Aadhar, passport, bank details, voter ID, etc.
    • Car registration certificate
    • Duly filled insurance application form
    • Driver’s licence
    • Recently taken passport-sized photograph

  • What will car insurance cost?

    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.

  • My motor insurance policy expired; how can I renew my expired car insurance policy?

    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.

  • What is a total loss in car insurance?

    A total loss in car insurance refers to the instance where total repair costs exceed 75% of your car’s IDV value. Total vehicular theft cases where your car is never found also fall under the definition of total loss. When this happens, the insurer reimburses you the total IDV amount during claim settlements.

  • Is my NCB transferable?

    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.

  • 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 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.

  • What is an endorsement?

    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.

  • What changes can I make to my car insurance policy?

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

  • In the case of my job and place change, what will happen to my motor policy?

    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).

  • What happens to my 4-wheeler insurance policy if I sell my car?

    If you are planning on selling your car, 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 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 the inspection request is logged online, how long does it take to get my car 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.

  • What risks are covered under the Reliance car 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

  • What is NCB Retention Cover?

    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

    • 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 ₹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.

  • What is Nil Depreciation?

    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.

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

    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.

  • What is a Voluntary Deductible?

    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.

    Voluntary Deductible Amount Discount
    ₹2,500/- 20% on the OD premium * of the vehicle, subject to a maximum of ₹750/-
    ₹5,000/- 25% on the OD premium of the vehicle, subject to a maximum of ₹1,500/-
    ₹7,500/- 30% on the OD premium of the vehicle, subject to a maximum of ₹2,000/-
    ₹15,000/- 35% on the OD premium of the vehicle, subject to a maximum of ₹2,500/-

    *Own Damage premium

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

    No, we will issue the insurance policy only if the RTO mentions the LPG/CNG kit on the RC.

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

    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.

  • What is an ARAI-approved anti-theft device?

    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.

  • What are electrical accessories in car insurance, and how do they affect my 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.

  • In what scenarios can I make a Personal Accident claim?

    You can claim the Personal Accident cover in case the following results from an accident

    • The death of the owner-driver.
    • Permanent disablement.
    • Personal injury (to self).

    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.

  • When should I report to the police?

    You should report to the police immediately by contacting or going to the nearest police station:

    • In case there is damage to any third-party property.
    • Bodily injury to a third party or yourself.
    • Or theft of the car.

    In the event of an accident or mishap, we will provide complete assistance to get you back on the road. Keep your car insurance policy papers in your automobile at all times. This procedure applies to both reimbursement claims and cashless claims in car insurance.

  • Can I choose not to claim if the damage is minimal?

    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.

  • How can I cancel my claim?

    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.

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

    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.

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

    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.

Car Insurance

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March - 2025, COIMBATORE
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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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