Car Insurance in Ernakulam

Ernakulam is a famous district in Kerala, owing to its metros, beaches and trade centres. It is a densely populated city with a high vehicle count and heavy traffic jams reported in the Vytilla, Kakkanad, and Edappally areas. As the number of cars keeps increasing, so does the number of accidents.

This highlights exactly why Car Insurance In Ernakulam is essential and why Reliance General Insurance should be your number-one choice when you buy car insurance in Ernakulam.

Stats About Ernakulam Traffic

Vehicular Density:

Ernakulam, the commercial capital of Kerala, has one of the highest densities of vehicles in a district in the state. In 2023, there were over 12 lakh registered vehicles in the district, with an annual growth rate of approximately 8-10%.

Road Congestion:

Two of the metro city’s major junctions, Vyttila and Edappally, have earned a reputation for decades of wheel jams. Apparently, Vyttila Junction, the connector between butterflies and other routes, is the core junction of Kerala, as more than 1.2 lakh vehicles pass through here in a day.

Accident Rates:

There are so many road accidents (i.e. per year) in Ernakulam. Reports from the Kerala Police Department state that this district had 2,500 accidents in 2023, and therefore, it was needed to fortify the vehicles to keep them safe.

Traffic Growth:

With Kochi Metro and other urban development works continuing, Ernakulam is likely to see up to 15% traffic growth in the coming years, emphasising the need for car insurance to mitigate financial risk.

Why Should You Buy Car Insurance in Ernakulam?

High Traffic Congestion:

Dense traffic exists in commercial and residential areas like MG Road or Edappally Junction, and accidents are frequent there. Car insurance provides a safety net that can protect you from situations that lead to unexpected losses and liabilities.

Frequent Monsoons:

With its tropical weather, Ernakulam faces rampant floods and water logging, especially during the monsoon season, as can be seen with people walking around in knee-high water. Comprehensive car insurance provides coverage for damage in case of floods, water logging, or any natural calamity.

Urban Expansion:

With rapid urbanisation and the subsequent development of Kochi Metro, the number of vehicles in the district has also gone up, and so have the chances for accidents. It is always a good habit to have some car insurance coverage so that you can remain on time if something terrible comes about.

Legal Mandate:

According to the Motor Vehicles Act, every car owner must have a minimum of third-party car insurance. Driving without insurance can result in fines or legal repercussions in Ernakulam.

Types of Reliance Car Insurance in Ernakulam

Key Features and Benefits of Reliance Car Insurance in Ernakulam

Reliance Car Insurance Price in Ernakulam

Get affordable car insurance policies in Ernakulam at Reliance General Insurance without compromising on coverage. Here is a breakdown of premium rates and the tools available to calculate them.

Using the Reliance Premium Calculator

Using the Reliance Car Premium Calculator, customers can find out their estimated car insurance premium:

1. Visitthe Website: Visit the Reliance General Insurance website and go to our car insurance page, which is listed under Explore Products.
2. Enter your Details: ​Enter your registration number, mobile number and email ID, and click View Prices.
3. Compare your Quotes: Here, you’ll be presented with several different car insurance quotes based on your car model.
4. Review, Modify and Buy: You can continue to modify the coverage options until you get a plan and price you’re satisfied with. After which, you can directly proceed to buy your car insurance plan from us.

Third-Party Car Insurance Premium Rates in Ernakulam (IRDAI 2023-2024)

Inclusions and Exclusions of Reliance Car Insurance Policy in Ernakulam

Inclusions

• Accidentsand Collisions: This provides coverage against loss or damage that occurred after an accident or collision.
• Natural Calamities: Offers coverage against the risk of floods, cyclones, earthquakes, etc.
• Man Made Calamities: Includes damage caused by riots, strikes, or vandalism.
• Fire and Explosions: Covers loss caused by fire or accidental explosions
• Animal Attacks: Covers from damage caused by the bites of animals (e.g., rat bites).
• In-Transit Damage: It provides for damages that occur to the car during transportation through road, rail, air or waterways.
• Theft: Protects in case of theft of the insured vehicle.
• Liability to Third Parties: ​Provides coverage for legal liability arising from injury, death or property damage to third parties.

Exclusions

• Driving Outside Limits: Damage occurring outside the geographical limits of the policy.
• War/Civil Disturbance: Cra damage through war, civil commotion or nuclear perils
• Depreciation: Depreciation of vehicle components and repair costs due to normal wear and tear.
• Electrical and Mechanical Breakdown: Damage from mechanical or electrical failure is not covered unless added specifically
• Driving Negligence: Claims denied if driving under the influence or without a valid licence.
• Pre-Existing Damage: ​Damage existing before the start of the insurance policy.

Reliance Car Insurance in Ernakulam Add-On Covers

The add-on covers offered by Reliance Car Insurance Ernakulam aim to increase your vehicle's protection with customised benefits as per your requirements. These make sure that you are protected against any additional perils your car might face in Ernakulam.

How to Buy and Renew Reliance Car Insurance In Ernakulam?

In Ernakulam, buying and renewing Reliance car insurance is a fairly simple process. The online steps are easy for all, irrespective of whether you buy a new policy or renew your car insurance in Ernakulam.

How to Buy Car Insurance in Ernakulam:

• Step 1: Go to the Reliance General Insurance ​website and navigate to our Car Insurance page by clicking on Explore Products and then “Car Insurance”.
• Step 2: Fill in the details of your vehicle, such as the registration number of your car in Ernakulam and click View Prices.
• Step 3: Select insurance type according to your needs (third-party and comprehensive)
• Step 4: Choose relevant add-ons (for instance, Pay As You Drive or Electric Vehicle Battery Shield) to customise your policy.
• Step 5: Finalise your premium amount and pay online. Once done, the policy will be emailed instantly to you.

How to Renew Car Insurance in Ernakulam?

• Step 1: Visit the "Renew Policy" area on the Reliance General Insurance site by clicking on Renewal → Renew Car Insurance.  
• Step 2: Enter your current policy no. or your mobile number along with other details required.
• Step 3: Review your existing policy details and modify them with add-ons or an NCB discount if required or applicable.
• Step 4: Verify the renewal premium and make the payment.
• Step 5: You will receive an email with your renewed policy without delay.

Documents Required:

• Certificate of Registration (RC)
• Policy information and details of old policy (in case of Renewal)
• Proof of identity (Aadhaar, PAN or passport.)
• Bank information (in case of EMI alternatives)
• Passport sized photo

How to Choose the Best Car Insurance in Ernakulam?

The best way to go about finding car insurance in Ernakulam is to identify your needs and evaluate the choices you have at hand. Follow this structured guide to assist you:

1. Identify Your Vehicle's Insurance Requirements

• NewCar Owners: Choose either comprehensive or third-party car insurance in Ernakulam to protect your new purchase from unanticipated damages or accidents.
• For Older Cars: If the market price of the car has reached a stage where it is not worth anywhere near what it was before, a third-party liability insurance plan may be sufficient to cover minimum needs for lower premiums.
• Weekly Travellers: ​Geo extension, roadside assistance, etc., are power adders to other long-distance journeys from Ernakulam to neighbouring countries.
  

2. Use Reliance’s Premium Calculator

Reliance General Insurance provides a premium calculator to compare premiums for different plans online. So, this tool makes it easy for you to find cheaper policies according to the model and usage of your car — as well as its location in Ernakulam.

3. Compare Claim Settlement Processes

Opt for an insurer with a good claim settlement where the process is hassle-free. Reliance Car Insurance Ernakulam boasts efficient settlement processes, providing peace of mind during emergencies.

5. Check the Cashless Garage Network

Check if your chosen insurance company offers several network garages in Ernakulam. There's a wide network of cashless garages available around you with Reliance General Insurance, which can help facilitate quick repairs without upfront payments.

6. Look for Additional Benefits

• 24/7 Customer Assistance: This is vital in the case of accidents, claims assistance and other emergencies where you may need guided support. We at Reliance offer 24/7 assistance via phone, text and email.
• Pre-Expiry Discounts: Save on premiums by renewing policies ahead of expiry.
• Digital Accessibility: ​Reliance General Insurance provides easy and seamless online services for buying, renewing, or managing insurance policies.

Factors Affecting Car Insurance Premium Ernakulam

Many things affect the pricing of car insurance premiums in Ernakulam. It is imperative to know such fundamentals so that when a policyholder selects or renews their insurance, they can do so without hassle. The key factors and their determiners are:

1. Vehicle-Related Factors

• Typeof Vehicle: High-end or luxury cars attract a higher premium because the repair and replacement cost of parts is also higher.
• Type of Fuel: ​Diesel vehicles tend to be at a higher end of the premium range than petrol or electric ones.
• Vehicle Age: A lower IDV (Insured Declared Value) of older vehicles means lower premiums, and the higher market value for new cars means higher premiums.

2. Driver Profile

• Driving History: The safest drivers pay less. Tons of claims or mishaps raise the costs.
• Age & Gender: Younger, less experienced drivers may face higher premiums compared to older, more experienced drivers.
• Purpose of Use: Private cars that are driven to work every day or vehicles used for commercial purposes tend to have higher premiums than those not used regularly.

3. Geographical Impact

• Traffic Density: Ernakulam, being a commercial hub, experiences heavy traffic. This increases the likelihood of accidents, influencing premiums.
• Climatic Conditions: The monsoon in Ernakulam brings with it a bag of risks, including flooding, which incites more claims. The silver lining here is that your insurance premiums take into account the risk involved.
• Theft-Prone Areas: ​Driving your vehicle in an area known for higher rates of auto theft crime may lead to a more expensive premium.

4. Policy and Add-Ons

• Type of Coverage: Third-party liability policies are the cheapest. The more extensive the coverage, the higher your premiums will be.
• Selected Add-Ons: Add-ons such as engine protection, roadside assistance, and tyre cover raise the premium but offer better coverage.
• Deductibles: Choose higher deductible levels for lower premiums but more out-of-pocket during claims.

5. Insurer-Related Factors

• Insured Declared Value: The IDV, reflecting the vehicle’s current market value, directly impacts the premium. Higher IDV means higher premiums.
• No Claim Bonus: ​You can earn a maximum of 50% discount on your premium for each year you do not file a claim.

How to File a Reliance Car Insurance Claim in Ernakulam?

No matter how you choose to settle the claim — on a cashless basis at network garages or through reimbursement — the below steps ensure that it is as hassle-free an experience as possible.

Cashless Claims:

1. Reportthe Incident Immediately: Call Reliance General Insurance and inform us of all the details about the accident or damage that has occurred.
2. Surveyor Appointment: A surveyor visits the vehicle at the garage and approves repairs
3. Book a Repair for Network Garage: Get your vehicle repaired at any Reliance cashless garage in Ernakulam.
4. Submit Necessary Documents: Submit documents, i.e., claim form, copy of the policy and FIR Copy (in some cases)
5. Verification and Approval: Upon approval, we will settle your repair bills directly with the garage.

Reimbursement Claims

1. Repair at Your Preferred Garage: First, inform us of the incident and have the vehicle repaired at any garage that you choose.
2. Pay the Repair Bill: Settle the bill out of pocket and collect an itemised invoice.
3. Submit Documents for Claim: You can upload all necessary documents, such as the repair bill, payment receipt, policy copy, and claim form, through the website.
4. Verification: We will verify your claim and supporting documents.
5. Reimbursement: Once approved, the claim amount is credited to your bank account.

Documents Required

• Claim form (available to download online)
• Policy copy
• Driving licence
• RC (vehicle registration certificate)
• Copy of FIR (in case of theft or major accidents)
• Repair bills and receipts (for reimbursement)

To ensure a simplified claims process, make sure you check the complete list of documents required on our website.

Cashless Network Garages for Car Insurance in Ernakulam

One of Reliance General Insurance's many benefits is its excellent network of cashless garages all over Ernakulam. These garages can help you get your car repaired easily and painlessly without cash payments! They can take care of anything—repairs or damage, big or small—with seamless service, including direct billing to Reliance.

The Advantages of Opting for Cashless Garages in Ernakulam

• EasyRepairs: Reliance car insurance pays the garage directly – with little to no out-of-pocket payments.
• Genuine Service: Get repairs from trusted and recommended garages using genuine parts installed by professionals.
• Streamlined Claim: Lesser documentation and speedy claim approval.

How to Locate Cashless Garages in Ernakulam?

Step 1: Visit our website and use our Garage locator Tool

Step 2: Type in your city or pin code to find a complete list of network garages in Ernakulam.

Third-Party Vs Comprehensive Plans for Car Insurance in Ernakulam

Traffic Do’s & Don’ts in Ernakulam

Do’s:

• Speed limits apply in specific areas of Ernakulam, such as Marine Drive and MG Road. Watch for speed signs.
• Always buckle up while driving. Enforcement is strict within the city.
• Use designated lanes on busy roads like Edappally Bypass and NH-66. Lane discipline is crucial to avoid accidents.
• Signal as early as possible before changing lanes or turning, especially in heavy traffic.
• Stop for Pedestrians at zebra crossings near important junctions like Kaloor and Vyttila.
• Major junctions, including Edappally and Thrippunithura, have strict traffic light enforcement.
• Always keep your driving licence, your RC book, your pollution certificate and valid insurance.
• Areas like Kadavanthra can get waterlogged with rain. Drive carefully and maintain distance.

Don’ts:

• Kerala follows a zero-tolerance policy for drink-and-drive cases, imposing heavy fines and penalties.
• Phone usage while driving is illegal and dangerous, especially on busy roads like MG Road.
• Avoid driving against traffic, particularly in one-way zones near junctions like Palarivattom.
• Honk only when necessary, as noise pollution rules are enforced in residential and hospital zones.
• Park only in designated spots, especially in busy areas like Lulu Mall and Broadway Market.
• Always ensure space for ambulances and emergency vehicles.
• Ensure passenger and load limits are within permissible standards.

Frequently Asked Questions (FAQs)

1. How does Ernakulam’s coastal location affect car insurance?

   Coastal cities (for example, Ernakulam) have more humidity, which increases the risk of car corrosion. If so, your insurance premium might be affected. Comprehensive plans with add-on coverage, such as Engine Protection, can protect against these risks.

2. Does Reliance Car Insurance offer insurance for vehicles frequently using ferries in Ernakulam?

   Yes, comprehensive car insurance covers all damage during transit—even on a ferry, which is common in the Kochi and Vypin Island areas.

3. Is Pay As You Drive insurance suitable for Ernakulam residents?

   If you use your car for short commutes and weekend travels in Ernakulam, this add-on can save you money since it charges premium amounts based on actual usage.

4. Does street parking cause damages in Ernakulam covered?

   Comprehensive insurance will cover damages like theft, vandalism, or minor accidents while parked on Ernakulam’s streets. Add-ons like Tyre Protection are ideal for frequent parking in high-traffic areas.

5. How does the high traffic on NH66 in Ernakulam impact my insurance premium?

   An increased risk of accidents on highways like NH66 can translate into higher premiums — but only slightly. Choosing a comprehensive plan with accident-related add-ons can provide peace of mind.

Disclaimers:

*T&C Apply. Please read the policy wording and CIS carefully before concluding a sale for more details on risk factors, terms and conditions, brochure, and exclusions.

Customer Count: The total number of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workers' Compensation and Crop Insurance, Weather LOB, and fire LOB provided by the IRDAI count, which is the master policy count. In addition to these LOBs, we have also provided data for the number of certificates issued.

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.

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 based on vehicle specifications, the No Claim Bonus discount, and the Geographic location of the vehicle to be insured. Discounts have been calculated using the rates prescribed under the erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section, and discounts may vary depending on the vehicle's make, model, RTO, age, and add-ons like Reliance Limit Sure-Pay As You Drive.

Comprehensive Car Insurance/Car Insurance UIN: 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.

Own Damage UIN: Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage (UIN-IRDAN103RP0001V01201920)

Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819