Car Insurance in Gujarat

In the bustling cities and long-stretched road networks of Gujarat, car insurance is highly important. It safeguards against accidents, theft and other unforeseen situations that could lead to your car getting damaged.

Reliance General Insurance has formulated car insurance plans to address the issues that many drivers encounter while driving their vehicles on the roads of Gujarat, especially its busy highways and city lanes.

Stats About Gujarat Traffic

Here are some recent figures that show the volume of traffic congestion on roads, mostly in urban areas like Ahmedabad, Vadodara and Surat :

• In 2023, Ahmedabad was among the top ten cities with the most traffic on average for every kilometre.
• The SG Highway and Ring Road are key city roads that see heavy traffic, especially during peak hours.
• Higher accident rates are a great reason to obtain full car insurance coverage on highways that connect urban centres.

Why Should You Buy Car Insurance in Gujarat?

• Statutory Obligation: Under the Motor Vehicles Act, car insurance is compulsory for all car owners in Gujarat.
• More Vehicles: Increasing vehicle numbers translate into high traffic density on Gujarat's worsening roads. High-speed driving, overcrowded streets, and complex intersections also increase the risks of accidents.  
• Weather Vulnerability: Gujarat’s climate adds another layer to the importance of car insurance. Heavy monsoons often lead to waterlogged streets, increasing the risk of vehicle damage, while hot summers can accelerate wear and tear, especially for those driving long distances in rural areas.
• Financial Security: There is nothing like having insurance in place that covers damages, theft and car repair costs without affecting your pocket. It also offers peace of mind by covering damage towards third parties, their medical expenses, and damages to their property.

Types of Reliance Car Insurance in Gujarat

Key Features and Benefits of Reliance Car Insurance in Gujarat

Reliance Car Insurance Price in Gujarat

The cost of your Reliance car insurance in Gujarat depends on the car's make and model, its age and the coverage options you choose.

We also offer a premium calculator on our website so customers can accurately calculate the premium to be paid. By inputting details like the car's registration, make, model, and desired add-ons, you can get an estimate of the premium for coverage in Gujarat.

Third-Party Car Insurance Premium Rates in Gujarat (IRDAI 2024-2025)

For vehicle owners in Gujarat, the Insurance Regulatory and Development Authority of India (IRDAI) establishes standardised third-party premium rates annually. These rates apply uniformly across India for the fiscal year 2024-2025 and are calculated based on the vehicle's engine capacity.

Here are the latest rates:

Private Cars:

For Electric cars, the rates are categorised based on the car’s power output:

Inclusions and Exclusions of Reliance Car Insurance Policy in Gujarat

Inclusions

The inclusions offered by Reliance Car Insurance in Gujarat guarantee complete protection for all policyholders.

• Third-Party Liability Coverage: Cover against legal trouble arising from injuries or damages to other people in an accident.
• Own Damage Cover: Provides personal financial protection for your vehicle against accidents, theft and natural disasters such as Floods/EQ.
• Fire and Theft Protection: Loss or damage of the vehicle that results from fire incidents, as well as theft.
• Personal Accident Cover for Owner-Driver: To provide an all-inclusive financial safety net, insurance of Rs 15 lakhs to the owner-driver in case they suffer death or disability due to injury from a motor vehicle accident
• Acts of God: Coverage for natural disasters, protecting policyholders from unexpected occurrences.

Exclusions

Though Reliance Car Insurance in Gujarat provides comprehensive coverage, there are certain exclusions to keep in mind.

• Normal Tear and Wear: Any harm caused by usual operation or through preservation is not included.
• Mechanical Breakdowns: Mechanical or electrical failures are out of scope for coverage
• Driving Under Influence: No claim shall be payable for accidents caused by driving after consuming alcohol or drugs.
• Intentional Damage: Any damages caused intentionally by the insured are excluded.
• Damage When Driving Outside of India: Damage from accidents or any other causes when driving your car outside of India’s borders is not covered.

Reliance Car Insurance Add-On Covers In Gujarat

Reliance General Insurance provides some coverings that are especially beneficial to drivers operating in the diverse driving conditions prevalent in Gujarat:

Zero Depreciation Cover: This covers the full cost of repairs without depreciation deductions, which is ideal for new vehicles.

Engine Protection Cover: Shields against engine damage, useful in areas prone to floods.

Roadside Assistance: Offers 24/7 support for breakdowns, flat tyres or fuel issues.

Return to Invoice Cover: In case of a total loss, reimburse the original car purchase price.

Pay As You Drive: Offers a discount on premiums by having you pay only for the distance you drive in a year.

NCB Retention Cover: Keeps your no-claim bonus intact even after a claim.

Consumables Cover: Covers the cost of consumable items like nuts and bolts, oil, and filters.

Total Cover: Offers a refund on your car’s on-road price (including registration costs and road tax) in case of irreparable damage.

Key Replacement Cover: Reimburses costs for lost or stolen car keys.

Tyre Protection Cover: Protects against damage to tires, including replacement costs.

Daily Allowance Cover: Provides a daily allowance for transportation while your car is in repair.

Loss of Personal Belongings Cover: Covers personal items lost or damaged in a car accident.

RIM Protection Cover: Offers repair or replacement for damaged rims.

Geo Extension: This extends car insurance to other countries, including Pakistan, Nepal and Bangladesh.

Electrical Accessories: This covers electrical accessories installed in your car, such as an audio system or a navigation unit.

Non-Electrical Accessories: Covers damage or theft of non-electrical items like seat covers or alloy wheels.

Emergency Hotel Accommodation: Covers accommodation costs in case of a car breakdown and you are more than 200 km away from your home.

 Electric Vehicle Battery Protection: This policy protects you against the high costs of repairing/replacing damaged or stolen electric vehicle batteries.

Electric Motor Protect: This covers motor-related repairs or replacements

Electric Vehicle Charger: This policy protects EV charging units against damage or theft.

How to Buy and Renew Reliance Car Insurance In Gujarat?

Buying and renewing Reliance Car Insurance in Gujarat is quite simple, as it can be done online without any hassles. Here are some steps to follow.

Online Buying Process:

• Go to the site of Reliance General Insurance
• From the menu, tap on “Car Insurance.”
• Enter your car’s make/model details
• Customise your policy by selecting the coverage options and add-ons (if applicable) you want to include.
• Please review the premium quotes and then make the payment using your preferred method to activate your plan instantly.

Online Renewal Process:

• Visit the Reliance General Insurance renewal page.
• Enter either your current policy number or the details of the vehicle you wish to insure.
• Select any extra coverages you'd like to add.
• To easily renew your policy, finish the payment process.

Documents Required:

Have the following documents ready to make things easier for you:

• Registration Certificate (RC) of Vehicle
• Prior insurance policy (if renewing)
• Valid driving licence
• Car invoicing (new cars only)
• PAN card or Aadhaar card

How to Choose the Best Car Insurance in Gujarat?

• Compare Coverage Needs: Consider your driving habits, Gujarat’s traffic, and weather conditions, such as heavy monsoon rains that can lead to waterlogging and damage.
• Shop around: Look at different policies online to compare how much insurance can provide for you. Comparing policies from other providers helps you find the most suitable coverage and price balance.
• See Customer Feedback: Some Gujarat-based customers may have reviewed how certain insurers handle claims and customer service locally. Reading reviews helps highlight the experiences of drivers in similar conditions.
• Know the Terms and Conditions: Read about deductible options and exclusion specifics in context with your coverage requirements. For example, Check if the policy you’ve chosen covers your repair costs for the type of damage your car may sustain.

Factors Affecting Car Insurance Premiums in Gujarat

Many factors contribute to the rise and fall of car insurance premiums in Gujarat. These will give you an idea of what you should be looking for in terms of affordable coverage.

• Insured Declared Value (IDV): IDV is the current market value of your car. The higher the IDV, the more premiums you will have to pay, but this also offers better security in case of total loss.
• Car Age: Newer cars generally attract higher premiums due to their higher market value and associated repair costs.
• Dark Horse: Luxury or high-performance vehicles have higher insurance costs for repair bills and parts.
• Voluntary Deductibles: Higher voluntary deductibles would limit the damage to your premium, but at a cost, you will have to pay more during claims.
• No Claim Bonus (NCB): For each claims-free year, the discount will be deducted from every subsequent renewal of your car insurance policy up to 50%.
• Location: Areas with high accident rates or where vehicles are stolen more often might see increased premiums. The prices in urban pockets of the state like Ahmedabad may be different from those found in smaller towns and cities or rural areas.

How to File a Reliance Car Insurance Claim in Gujarat?

Filing a Reliance Car Insurance claim in Gujarat is hassle-free. A cashless and reimbursement claims facility assists you in easily settling any mishap or damage that happens.

Cashless Claims

• Report the Claim To Reliance General Insurance via the Claims Helpline or online claims
• You can then take your vehicle to a Reliance network garage for inspection and repairs.
• Provide the paperwork (your policy, registration and driver’s license) to the garage or dealer.
• Once the claim is approved, we will settle the bill directly with the garage, subject to applicable limits, i.e., you still need to pay for mandatory deductibles and uninsured parts

Reimbursement Claims

• Inform us of the incident and get your car repaired. You can have your repairs conducted at any garage you want, even if it is not part of the Reliance network.
• Submit documents such as claim form and original repair bills after repairs to Reliance General Insurance.
• Reliance will examine and verify your claim after brokers submit your documents relating to damages as per the policy conditions.
• Upon the approval of your claim, Reliance will pay the eligible amount directly to your account.

Documents Required

• Filled claim form
• Insurance policy copy
• Car Registration Certificate (RC)
• The driving license of the responsible drivers
• File a FIR in case of theft or major damage
• Repair bills for reimbursement claim

The only thing that you need to get right is the documents, and once they are all together in order of relevance, the claim sanction should become easier.

Cashless Network Garages for Car Insurance in Gujarat

Reliance General Insurance provides cashless network garages to ease the process of repairs for its policyholders.

When you do need to get your car repaired, the garage will be able to carry out the necessary repairs for you without costing you any money because Reliance car insurance will pay for repairs directly with the garage.

The unique attention to detail provided by network garages also sets a benchmark for quality repairs, thereby ensuring that your car gets specialised treatment.

To locate the nearest cashless garage in Gujarat, use the Reliance Garage Locator Tool online. Simply find your location and enter your information.

Third-Party Vs Comprehensive Plans

Traffic Do’s & Don’ts in Gujarat

As one of the most well-travelled states in India, following Gujarat traffic rules is necessary since it has a lot of highways and cities, too. The following are the important dos and don'ts for drivers in Gujarat:

Do’s:

• Seat Belts: You should wear seat belts for short journeys. You never know what might happen, and most importantly, they are mandatory and a safety feature.
• Observe Speed Limits: Stick to posted speeds, especially around neighbourhoods and schools. Gujarat state penalises speeding heavily in an attempt to boost road safety.
• Use Indicators: Clearly signal before turning, merging lanes or switching lanes. This simple action prevents accidents in large traffic.
• Carry Required Documents: When you are behind the wheel, you should always carry the mandatory documents for car insurance, PUC, and RC in addition to your driving license.
• Obey Lane Discipline: A highway is systematic; Keep your vehicle in the lane to reduce accidents and maintain traffic.

Don’ts:

• Do Not Use Mobiles: Don’t use a phone while driving, as this distracts you from the road and, in the worst case, can result in an accident.
• Do Not Drink and Drive: Gujarat has a very stringent anti-drunk driving law, which carries a maximum penalty.
• Do Not Overload Vehicles: Keep the number of riders that a vehicle should have or its maximum load within the allowed range.
• Don’t Ignore Traffic Lights: Always obey road signals. Jumping red lights may make you pay heavy fines and put you at risk of causing accidents.
• Do Not Honk: It is better to avoid unnecessary honking, particularly in silent zones such as those surrounding hospitals, schools, and residential complexes.

FAQs

1. How can I get second-hand car insurance in Gujarat?

   To purchase an insurance policy for a second-hand car, you must see its condition and prepare documents like the Registration Certificate (RC) and Form 29/30.

   You should meet an ownership change notification at the nearby RTO and purchase car insurance from Reliance General Insurance online.

2. Which is the best car insurance in Gujarat?

   The top-rated car insurance for you will depend on whether the policy is affordable and provides enough coverage. Reliance General Insurance offers custom policies, so you are properly protected.

3. What is the cheapest car insurance policy?

   Third-party insurance is the cheapest of all. If you’re an occasional driver, this plan should be enough. But if you’re making daily commutes on Gujarat's busy roads, a comprehensive plan costs a little more but gives you complete protection.

4. Do I get any discounts when buying car insurance in Gujarat?

   Yes, there are various discounts for online purchases. Reliance car insurance provides NCB (No Claim Bonus) after claim-free years, and you get a lower premium by adding anti-theft devices to your vehicle. Further, special rates have also been given to electric vehicles in line with the state's green transport drive.

5. Is it Right to Choose a Zero Depreciation cover?

   It is advisable to opt for this, especially for new cars where there are no deductions on depreciation. It will also be especially helpful in Gujarat's cities, where damage of a small amount can lead to a bigger repair bill.

Disclaimers:

*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.

Customer Count: The total no. 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, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than 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 claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

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.

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