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Motor Insurance Online

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Motor Insurance Online

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Enjoy comprehensive coverage with Reliance Motor Insurance plans

Motor insurance protects you from third-party liabilities and covers damages to your vehicle. With the high cost of motor repairs, even minor damage can be expensive. Vehicle insurance safeguards against risks like accidents and natural disasters.

Whether you own a car, truck or bike, having a motor insurance policy is essential. It ensures legal compliance, financial security, and peace of mind.

Reliance General Insurance understands this and offers customised motor vehicle insurance plans to suit your needs.

Motor Insurance

What is Motor Insurance?

Motor insurance is a type of insurance policy that can financially secure your vehicle against damages. It covers risks such as accidents, natural disasters, man-made calamities, and more. Additionally, it covers damages to a third party.

You can buy motor vehicle insurance for private four-wheelers and two-wheelers or commercial vehicles.

Types of Motor Vehicle Insurance in India

In India, you can choose between third-party, standalone own-damage and comprehensive motor vehicle insurance policy types. It is important to understand the different plans when choosing the best vehicle insurance.

Comprehensive Motor Vehicle Insurance

Standalone Motor Own Damage Policy

Third-Party Motor Insurance

Comprehensive motor insurance offers extensive financial coverage. It covers third-party damages, including legal and financial losses. It protects your vehicle from different types of perils. Get coverage for accidents, natural and man-made calamities, theft, fire and animal attacks. It also offers personal accident cover and optional add-ons to enhance the comprehensive vehicle insurance coverage. Own damage insurance covers only your vehicle against unexpected incidents that can damage it. It offers extensive coverage but does not cover third-party liabilities. The motor OD insurance cover can be further enhanced with optional add-ons. It is ideal for high-value vehicles that require costly repairs. Third-party motor insurance is the most basic insurance policy. It is mandatory in India as per the Motor Vehicles Act. It covers damages or injuries caused to third parties in an accident involving your insured vehicle. Third-party motor insurance safeguards you from legal expenses if you injure another person. It is extremely affordable. The Insurance Regulatory and Development Authority (IRDAI) declares the third-party insurance premiums annually.

Motor Insurance Coverage By Reliance Vehicle Insurance

Reliance Car Insurance

Car insurance, or four-wheeler insurance, protects you from third-party damages, accidental damages or losses to your car.

We provide third-party, standalone own-damage and comprehensive car insurance online. We also offer a wide range of optional add-ons.

  • Up to 90% discount* on online Reliance Car Insurance premium
  • 10,000+ cashless network garages
  • Personal Accident Cover of up to ₹15 lakhs
  • Usage-based Pay-as-you-drive insurance
  • Customisable long-term car insurance
  • Dedicated Electric Car Insurance add-ons

Reliance Two-Wheeler Insurance

Motorbike insurance is a precaution and a necessity to cover various risks that bike owners face.

Bike insurance, or two-wheeler insurance, provides financial protection for your bike. It covers damages caused by your insured bike and damages to your bike.

We offer third-party, standalone own-damage and comprehensive bike insurance online.

  • Up to 80%discounts on Reliance Two-Wheeler Insurance premium
  • Instanttwo-wheeler insurance online quote
  • 10,000+ cashless network garages#
  • Quick and hassle-free bike insurance claims settlement
  • Dedicated Electric Bike Insurance add-ons

Reliance Commercial Vehicle Insurance

Our commercial vehicle insurance offers coverage for your commercial vehicles.

We cover goods-carrying vehicles, passenger-carrying vehicles, trucks, buses, taxis, etc.

  • Coverage for major goods and passenger-carrying vehicles.
  • Targeted coverage for commercial risks and damages

Features and Benefits of Reliance Motor Insurance

Motor Insurance Features and Benefits Vehicle Insurance Details

Extensive Cover

Secure extensive coverage on a broad range of plan options

Affordable Premiums

View competitive pricing at budget-friendly premium rates

Personalised Solutions

Enhance and personalise your coverage with a wide range of optional add-ons

Vast Expanse of Cashless Garages

Explore over 10,000+ network of garages for cashless repairs across India

Free Fall of Discounts

Benefit from discounts for purchasing motor insurance online, installing anti-theft devices, opting for higher deductibles, No Claim Bonus and more.

Reliance Self-i App

Log in to our Reliance Self-i App or call us on our paid helpline number, +91 22 48903009. Get a quick survey and claim settlement. Our app also allows you to track claims in real time.

Instant Policy Purchase

Browse online, compare features of motor vehicle insurance options, select your policy and enjoy instant policy issuance

24/7 Customer Support

Reach out to our dedicated customer support team to address your queries promptly at any time.

Compare Reliance Motor Insurance Plans

Coverage Features

Third-Party Motor Insurance

Own-Damage Motor Insurance

Comprehensive Motor Insurance

Repair or replacement of vehicle parts caused by accidents
Damages caused due to natural disasters
Damages caused due to man-made calamities
Damages caused by fire
Loss or damage due to vehicle theft
Third-party injuries and death
Third-party property damage
Optional Add-Ons

Why Should You Buy a Vehicle Insurance Policy?

Mandatory As Per Law

Under the Motor Vehicles Act, third-party vehicle insurance is mandatory for driving a vehicle on Indian roads. Further, as per a 2018 Supreme Court order, new cars must have a three-year third-party motor insurance policy. Additionally, new bikes must have a five-year third-party motor insurance policy.

Third-party Damages

With third-party motor insurance, you can manage legal and financial implications arising out of third-party liabilities. These include injuries, death and property damages.

Accidental Damages and Theft

A comprehensive motor insurance policy covers you against third-party liabilities as well as various risks and perils to your vehicle. These include theft, accidental damages, fire, natural disasters, man-made calamities and more.

Personal Injuries

With a motor vehicle insurance plan, you can also secure a personal accident cover of up to ₹15 lakhs. This covers injuries, disabilities, or even death caused to the owner-driver.

Why is Motor Vehicle Insurance Mandatory in India?

Rising Number of Accidents

With the increase in the number of vehicles, the number of accidents has also increased dramatically over the years.

To Promote Responsible Driving

Mandatory motor vehicle insurance makes people more accountable and helps them practise responsible driving.

To Promote Public Safety

With motor vehicle insurance coverage, accident victims are assured of financial compensation for their losses. This reduces the financial strain on the families.

Reliance General Motor Insurance Cover - Inclusions & Exclusions

Motor Vehicle Insurance Inclusions

What is Covered in Motor Insurance Plans? Details

Accidents

Repair or replacement of vehicle parts caused by accidents

Third-party liabilities

Third-party injuries, death and property damages

Fire

Damages caused by fire outbreak, explosion, self-ignition or lightning

Natural disasters

Damages caused due to natural disasters, such as floods, earthquakes, hurricanes, landslides, and more

Man-made calamities

Damages incurred to your vehicle due to man-made calamities, such as terrorism, vandalism, riots, terrorism, etc.

Theft

Loss or damage due to vehicle theft, including housebreaking and burglary

Animal attacks

Damages incurred due to animal attacks, such as rat bites

In-transit damage

Damages incurred to your vehicle while being transported through inland waterways, airways, roadways and railways.

Personal accident cover

Personal accident cover against accidental disabilities or death for the owner-driver.

Motor Vehicle Insurance Exclusions

What is Not Covered in Motor Insurance Plans? Details

Regular wear and tear

Normal degradation and ageing of the vehicle and its parts

Depreciation

Depreciation, unless covered by the nil depreciation or return-to-invoice add-ons

Pre-existing damages

Damages incurred before purchasing the vehicle insurance policy

Driving outside geographical limits

Damages incurred driving outside the specified geographical boundaries

Illegal driving

Driving without valid documents, such as a driver's licence, using the vehicle for illegal races, or driving in restricted areas

Driver’s negligence

Reckless driving or not abiding by the traffic rules

Intoxicated driving

Driving under the influence of alcohol or drugs

War

Damages caused by wars, such as nuclear or civil wars, invasions, etc.

Mechanical breakdown

Mechanical or electrical damages incurred due to your own vehicle’s mechanical failure

Add-on Covers Under Reliance Vehicle Insurance

Motor insurance add-ons provide additional protection and differ based on the type of policy you have chosen. At Reliance General Insurance, we offer a diverse range of add-ons to enhance your motor insurance policy coverage.

Car Insurance Add-ons

Two-Wheeler Insurance Add-ons

Commercial Vehicle Insurance Add-ons

  • Pay-As-You-Drive Car Insurance
  • Nil Depreciation or Bumper-to-Bumper Insurance
  • 24/7 Roadside Assistance
  • Engine Protection Cover
  • EMI Protection Cover
  • Total Cover
  • Return-to-Invoice Cover
  • EMI Protection Cover
  • NCB Retention Cover
  • Daily Allowance Benefit
  • Key Replacement Cover
  • Tyre Protection Cover
  • RIM Protection
  • Consumables Expenses
  • Geo Extension
  • Loss of Personal Belongings
  • Electrical Accessories
  • Non-Electrical Accessories
  • Emergency Hotel Accommodation
  • Electric Vehicle Battery Protection
  • Electric Motor Protect
  • Electric Vehicle Charger
  • Consumables Expenses
  • Additional Third-Party Property Damage Cover
  • Additional Personal Accident Cover for the Owner-Driver
  • Emergency Medical Expenses
  • Return-to-Invoice Cover
  • Depreciation Allowance
 

Things to Consider While Buying Motor Insurance

Types of Coverage Offered

Find the different types of coverage and the specific plan options offered. Ensure to check if the motor insurance policy will suit your requirements.

Premium Rates

Calculate the applicable premium rates across the different options to choose the best and most affordable motor insurance policy.

Add-on Covers

Examine the range of add-on covers offered to seek additional protection specific to your requirements.

Motor Insurance Policy Terms and Conditions

Take time to carefully review the terms of the online motor insurance policy. Understand the inclusions and exclusions to prevent claim rejections.

Deductibles

Deductibles affect your out-of-pocket expenses during claims, so strike the right balance between premium savings and claim expenses.

Reputation of the Insurance Provider

Research the reputation of the insurance provider by reviewing customer feedback, claim settlement ratios, and the ease of their online vehicle insurance claim procedure.

Network Garages

Check the insurance provider’s network of cashless garages to ensure convenience and access to quality repair services.

How to Buy Motor Insurance Online?

  • Step 1: Visit our official Reliance General Insurance website.
  • Step 2: Under the ‘Explore Products’ tab, choose between the different types of motor insurance plans, such as car insurance, commercial vehicle insurance, two-wheeler insurance, and more.
  • Step 3: Provide your vehicle registration number, mobile number and Email ID.
  • Step 4: Compare and choose a suitable motor insurance policy and customise it, if necessary, using the available optional add-on covers.
  • Step 5: To complete the process of buying motor vehicle insurance online, pay the applicable premium using any of the convenient digital payment methods.

Quick Links

Buy Car Insurance Buy Bike Insurance Buy Scooter Insurance Buy Commercial Vehicle Insurance
Buy Electric Car Insurance Buy Electric Bike Insurance Buy Electric Scooter Insurance  

Benefits of Online Motor Insurance Policy Renewal

Zero Paperwork

By renewing vehicle insurance online, you can avoid the hassle of physically gathering and securing the necessary documents.

Convenient and Instant Process

Renewing motor insurance online is a simple and convenient process that is quick and instant.

Easy to Modify

You can gain access to policy updates and effortlessly modify your existing vehicle insurance plan by choosing optional add-ons.

Instant Premium Quote

When you renew motor insurance online, you will receive an instant premium quote with a detailed breakdown.

Additional Discounts

As you keep processing motor renewal insurance online, you might become eligible for additional discounts.

Secure Online Platform

We offer a secure platform for motor policy renewal to ensure your transactions are safe and your financial information remains protected.

Factors That Determine Your Vehicle/Motor Insurance Premium

Type of Motor Vehicle Insurance Coverage

The type of motor insurance policy, whether third-party, standalone own damage or comprehensive car insurance, determines your base premium.

Vehicle Make and Model

The make, model variant, and engine’s cubic capacity significantly affect your motor insurance policy premium.

Age and Insured Declared Value (IDV)

Newer vehicles with a higher IDV incur higher premium costs. You can compare motor vehicle insurance premiums across the different plans based on the IDV to understand its impact.

Choice of Optional Add-Ons

The overall premium increases with the choice of add-ons included in your motor insurance policy.

Location

Vehicles used in accident-prone or high-theft areas may face higher premiums due to increased risk.

No Claim Bonus and Driving Record

A good driving record and a high no-claim bonus reflect your responsible driving behaviour. These can greatly reduce your premium.

Deductibles

Opting for a higher deductible for your motor insurance can reduce your premium rate.

Quick Links

Car Insurance Premium Calculator Two-Wheeler Insurance Premium Calculator

How to Reduce Motor Insurance Premium?

Buy Motor Insurance Online

Purchasing motor insurance online can offer substantial discounts and savings on your premium.

Include Only the Necessary Add-Ons

Evaluate your driving requirements and vehicle conditions to choose only the essential add-ons for your motor insurance policy.

Avoid Claims for Minor Damages

Avoid raising claims for minor damages to maintain your No Claim Bonus and reduce your premium.

Install Anti-Theft Devices

Installing anti-theft devices can lower the risk of theft and, consequently, reduce your motor insurance price considerably.

Compare and Make Well-Informed Decisions

Compare the motor vehicle insurance plans to find the best coverage. The ideal coverage should you reduce your premium and meet your requirements.

Steps to Claim Motor Insurance

  • Step 1: File a Claim by calling us on our paid helpline number or +91 22 48903009. You can also log into our Reliance Self-i App. We will respond within 48 hours for the vehicle survey.
  • Step 2: For cashless claims, take your vehicle to any one of our network cashless garages. For reimbursement claims, you can get your vehicle repaired at any authorised garage of your choice.
  • Step 3: Our surveyor will investigate your claim and examine the vehicle for damages. You can submit the necessary supporting documents to the surveyor.
  • Step 4: We will analyse your motor vehicle insurance claim and confirm the liability.
  • Step 5: In case of a cashless claim, we will directly settle the applicable amount with the garage.

    The process is different for a reimbursement motor vehicle claim. You will need to pay the expenses upfront and submit the bills and payment receipts to us. We will examine your claim and reimburse you for the eligible amount.

After registering your claim, you can check your claim status online by providing your policy or claim number.

Quick Links

Car Insurance Claims Two-Wheeler Insurance Claims Commercial Vehicle Insurance Claims

Documents Required to Buy
Motor Insurance Online

Buying online vehicle insurance is a straightforward process that requires minimal documentation, making it quick and hassle-free.

To get started for the motor policy online, all you need are the following documents:

  • Vehicle Registration Documents
  • Proof of your Identity
  • Proof of your Address
  • Previous Insurance Details, if applicable

In some scenarios, a vehicle inspection might be required. It could demand for additional documents specific to your vehicle’s condition.

Here is a complete list of motor insurance claim documents.

Frequently Asked Questions (FAQs)

  • Yes, under Indian Motor Laws, it is mandatory to purchase at least a third-party motor insurance policy for your vehicle.

  • If you install a CNG kit in your automobile, first inform the RTO to update your vehicle registration certificate. Then, notify us regarding the change. We will adjust the coverage and revise your motor insurance premium accordingly.

  • If you don’t have motor insurance, you could face legal penalties if caught driving without it. You will also have to pay for repair costs yourself if you are in an accident.

  • At Reliance General Insurance, we offer car insurance, bike insurance, and commercial insurance products. Within these, we offer third-party, standalone own-damage and comprehensive insurance coverage.

  • A liability policy in motor insurance refers to a third-party motor insurance plan that covers third-party liabilities. It includes injuries, death and property damages.

  • Yes, you can opt to switch to a different motor insurance provider for better coverage and features. However, it is best to switch at the time of renewal for a smooth transition experience.

  • A motor insurance policy cover is generally valid for a period of one year. However, you can buy long-term motor insurance plans that can be valid for three or five years, based on the type of policy.

  • You can change your details by submitting an endorsement request. Remember to share the necessary proof of the change.

  • No, your existing motor vehicle insurance policy will not transfer to a new vehicle. You are required to buy a new motor vehicle insurance policy when acquiring a new vehicle. However, you can transfer certain benefits, like the No Claim Bonus, to your new motor vehicle insurance policy.

  • Yes, you can transfer the motor insurance policy from the buyer. It should be done within 14 days of the sale. Provide the necessary application forms (Forms 29 and 30). Additionally, submit the transfer documents - vehicle registration certificate and proof of ownership transfer.

    Here is how to transfer car insurance while buying a second-hand car.

  • A pre-policy vehicle inspection is generally carried out in the following circumstances:

    • Third-party insurance needs to be converted to comprehensive vehicle insurance.
    • There is a break-in insurance observed.
    • Insurance needs to be obtained for imported vehicles.
    • Payment received after a bounced cheque
  • IDV is the highest amount you can get for your vehicle if it is completely lost or damaged beyond repair. It is calculated by subtracting applicable depreciation from your vehicle’s current market value.

  • A personal accident policy in car insurance can cover the owner-driver, paid drivers, conductors, cleaners and other insured named persons.

  • The choice of motor insurance policy should depend on your vehicle, usage and personal circumstances. For example, suppose you own an old vehicle and use it less frequently. In this case, a basic third-party motor insurance policy would suffice.

    On the other hand, suppose you own a luxury vehicle and travel long distances frequently. Then, choosing comprehensive motor insurance with extensive cover is essential.

  • The motor insurance premium is calculated based on various factors. These include make and model variants, engine cubic capacity, IDV, location, optional add-ons chosen, deductibles, and more.

    You can use our online premium calculators specific to the type of motor insurance plans. It helps you compare the different options and determine the premium to make a wise decision.

  • In motor insurance, a no-claim bonus is a discount applied to the premium for every claim-free year. It can be accumulated for up to 50% in five consecutive years.

  • Yes, a service tax applicable under the current laws will be added to the premium when you buy a motor insurance policy.

  • In the event of an accident, inform the Police and file the First Information Report (FIR) immediately. Take photographs and videos of the damages, gather details of the third party and their vehicle involved in the accident, and raise the motor insurance claim.

  • Yes, you can call us at our paid helpline number - +91 22 48903009 and cancel a claim if you find it unnecessary.

Motor Insurance

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Mr. SWAMINATHAN DHINAGARAN

September - 2024, COIMBATORE

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Mrs. CHITTOJU JANAKI

August - 2024, Nalgonda

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Mr. TALLAPALLI NARENDER REDDY

September - 2024, Hyderabad

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Mr. THANGARAJ K

August - 2024, Coimbatore

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Mrs. AVULA SAROJANA

August - 2024, Mansoorabad

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Mrs. LAVUDI SEENAMMA

September - 2024, Nalgonda

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Mr. SRINIVASAN VELUSWAMY

August - 2024, Kanchipuram

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Mrs. NARAYANAREDDY RAMYA

September - 2024, Bangalore

Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy – Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819.
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.

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