Car Insurance in Navi Mumbai

​Navi Mumbai is a self-sustainable city blessed with world-class infrastructure. The population boom drives a lot of traffic through its roads, making it an ever-expanding beast.

If you live in Navi Mumbai, whether it be Vashi or Palm Beach Road, the importance of car insurance cannot be emphasised more as it helps keep your vehicle safe. Backed by years of experience dealing with the challenges individuals living in Navi Mumbai face, Reliance General Insurance provides extensive and tailor-made car insurance plans.

Stats About Navi Mumbai Traffic

By 2023, Navi Mumbai had approximately 1.2 million vehicles on the road, and cardiac traffic was a common sight when people travelled during peak hours. The Palm Beach Road and Vashi Creek Bridge, lifelines connecting Mumbai as per Navi Mumbai Municipal Transport (NMMT), are often subject to massive choking.

Improving the road infrastructure and ​building new bridges over Vashi Creek will alleviate congestion and improve traffic flow.

As such, Navi Mumbai traffic is a persistent worry even now, and reliable car insurance will remain vital for the residents manoeuvring these bustling streets.

Why Should You Buy Car Insurance in Navi Mumbai?

Car insurance in Navi Mumbai is essential due to several key factors:-

1. As per traffic data, there are more than a million cars and two-wheelers in the city, making it among the highest-traffic density regions in India. This increases the risk of accidents, making comprehensive car insurance a necessity for financial protection.
2. Additionally, the city’s proximity to Mumbai means that vehicles often travel long distances, subjecting them to wear and tear. Unfortunately, accidents happen now and then, and car insurance can save you money on repairs and damages.
3. Navi Mumbai has many commercial and industrial areas, which lead to different driving conditions. These involve driving through congested commercial zones like Vashi and Turbhe, so your car is continuously at risk of being hit, stolen, or scratched. Car insurance is a safety net that guards you from these risks.

Types of Car Insurance in Navi Mumbai

When it comes to car insurance in Navi Mumbai, Reliance General Insurance (RGI) offers a variety of policies tailored to meet the diverse needs of vehicle owners. Here are the key types of car insurance available:

Comprehensive Car Insurance

Comprehensive car insurance is the most common type of insurance among vehicle owners in Navi Mumbai, as it covers a wide variety of features.

Third-Party Car Insurance

Third-party car insurance is the minimum legal requirement for vehicle owners in Navi Mumbai, as per the Motor Vehicles Act.

Pay As You Drive Car Insurance

For infrequent drivers, PAYD insurance from Reliance is ideal. This innovative policy allows for up to 90% savings compared to traditional car insurance policies.

Own Damage Car Insurance

This type of insurance protects your vehicle against accidents as well as natural calamities, fire and theft.

Key Features and Benefits of Reliance Car Insurance in Navi Mumbai

Let us take a glance at some of the features and benefits that make Reliance car insurance the city choice:

Comprehensive Coverage

Reliance General Insurance offers a well-rounded, comprehensive car insurance plan that includes coverage for own damage, third-party liability, and personal accident protection.

Affordable Premiums:

Reliance General Insurance offers competitive rates to make car insurance accessible for all vehicle owners in Navi Mumbai.

Personal Accident Cover:

Reliance General Insurance offers personal accident cover for both the driver and passengers, free from any financial burden in case of bodily injuries arising from an accident.

Wide Network of Cashless Garages:

With over 10,000 network garages across India, including several in Navi Mumbai, Reliance ensures that you have access to cashless repairs.

Add-on Covers:

Reliance General Insurance has more than 18 add-on covers that can be customised to complement your policy, such as Nil Depreciation, Engine Protect and Return to Invoice.

Easy Policy Purchase:

You can purchase your Reliance car insurance in Navi Mumbai online through our website in no time. At home, you can finish the online process in mere minutes!

Hassle-Free Renewals:

Reliance General Insurance offers prompt reminders for policy renewals, and you can renew your insurance online without any paperwork or office visits.

Reliance Car Insurance Price in Navi Mumbai

Calculating Your Car Insurance Price in Navi Mumbai

• Step 1: Go to our Car Insurance Premium Calculator.
• Step 2: Enter your car RC information and Click on View Prices.
• Step 3: You’ll be shown customisable plan options that you can modify.
• Step 4: Customise your desired plan until you get suitable coverage at an affordable premium rate.
• Step 5: Once you’re happy with your Navi Mumbai car insurance, you can directly proceed to buy it from our website.

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

For Private Cars

For Electric Cars

Inclusions and Exclusions of Reliance Car Insurance Policy in Navi Mumbai

Inclusions

• Compensation costs for damage your car does to other cars/people/property
• Natural calamities (e.g., floods, earthquakes)
• Man-made disasters (e.g., riots, vandalism)
• Theft of insured car
• Animal Attack/ Rat Bites
• In- Transit Damage
• Accident & Collision Coverage
• Personal accident cover for the owner-driver

Exclusions

• Illegal driving
• Pre-existing damage
• Electrical and Mechanical breakdown/failure
• Driver Negligence
• Depreciation/Normal wear and tear
• Driving without valid documents
• War and nuclear risks
• Drunk driving
• Driving outside geographical limits

Reliance Car Insurance Add-On Covers In Navi Mumbai

• NilDepreciation Coverage: Get the complete claim amount without any deduction for the depreciation of car parts.
• RIM Protection: This add-on covers the repair or replacement costs for your car’s damaged rims.
• Consumable Expenses: Covers basic things like replacing engine oil, brake fluids, air filters, etc.
• Engine Protection Cover: This covers payment for the engine if it is damaged by water ingression, oil leak, or any other sort of breakdown.
• EMI Protection Cover: ​If your car is under a loan, the EMI Protection Cover safeguards you by covering the EMI payments in case of significant car damage or loss.
• 24 x 7 Roadside Assistance: This policy protects you from your car's emergency breakdown at any time on the road.
• Total Cover: Provides extensive protection by offering a refund of your car’s on-road cost in case it is declared a total loss (stolen or heavily damaged).
• Return to Invoice Cover: This policy ensures you receive the full invoice value of your car in case of total loss due to theft or irreparable damage.
• NCB Retention Cover: Your NCB will remain unchanged if you make a claim during the policy period.
• Tyre Protection Cover: This covers damages to tyres due to accidents, blowouts, or other unexpected circumstances.
• Key Replacement Cover: This policy covers replacement fees if you misplace your car keys or they become inoperable.
• Daily Allowance Benefit
• Loss of Personal Belongings: Compensate you for loss of personal property like electronics or valuables.
• Electrical Accessories Cover: This cover protects electrical accessories such as music systems, navigation devices, and other factory-installed or aftermarket electrical components.
• Non-Electrical Accessories Cover: This cover provides financial protection for non-electrical parts like seat covers, alloy wheels and other custom additions.
• Geo Extension: Your car insurance Navi Mumbai policy is valid even when driving outside India in specified neighbouring countries.
• Emergency Hotel Accommodation: This add-on covers the cost of emergency hotel stays for you and your passengers.
• Pay As You Drive: This lets you pay premiums based on your car usage rather than a flat rate.

At Reliance General Insurance, we also offer add-ons for electric cars in Navi Mumbai to cover repair costs for damage that occurs to the car’s battery, motor and charging unit.

• Electric Vehicle Battery Protection: This add-on covers the cost of repairing or replacing your car's battery in case of accidental damage or mechanical failure.
• Electric Motor Protect: Your EV’s electric motor is safeguarded against damage due to accidents, floods, or mechanical issues.
• Electric Vehicle Charger: This add-on covers your EV's charger and its cables against theft or accidental damage.

How to Buy and Renew Reliance Car Insurance In Navi Mumbai?

How to Buy Car Insurance In Navi Mumbai:

1. Visit the Reliance General Insurance website and Select “Car Insurance” from the menu.
2. Enter your vehicle details and click Get Price.
3. Select your coverage and add-ons (if applicable), and choose your IDV.
4. Upload the required supporting documents and check the final price before making the payment.
5. Your car insurance policy will be emailed to your registered email ID.

How to Renew Car Insurance Navi Mumbai:

1. Go to Reliance General Insurance Website and Log in to your account
2. Go to the ‘​Renew Car Insurance’ tab and enter your policy details
3. Review your policy details and make any updates/modifications as needed
4. Once you’ve confirmed the final quote, make the payment
5. Receive the confirmation of your renewed policy.

Documents Required to Buy/Renew Car Insurance In Navi Mumbai:

• Vehicle registration certificate
• Previous insurance policy
• Valid driving licence
• Aadhar card
  
• PUC certificate
• Bank details (for payment)
• Passport-sized photo

How to Choose the Best Four-wheeler Insurance Policy in Navi Mumbai?

Choosing the right car insurance policy in Navi Mumbai can be daunting, with multiple options available. But despite that, there are a few things you will really want to look into to ensure that you choose what works best for your needs and gives your vehicle the necessary protection.

• UnderstandYour Insurance Needs - Based on your requirements, Decide whether you need basic coverage or broader coverage.
• Check the Reputation and Trustworthiness of the Insurer - Select an insurer with a great reputation and customer service.
• Examine the Coverage and Add-Ons - Check whether the coverage provided by the insurance plan is well-suited to your needs. Also, check if they provide add-ons.
• Compare Premiums and Coverage - ​Find a policy that delivers the greatest coverage for the lowest premium.
• Look at the Claim Settlement Ratio - A high claim settlement ratio indicates that the insurer is reliable in processing and settling claims.
  
• Consider the Insurer’s Network of Garages - A huge network of garages means that quality repair services are available when you need them and without the hefty upfront bill.

Factors Affecting Car Insurance Premiums in Navi Mumbai

Car Model and Age

Premiums for old vehicles are generally lower; on the other hand, new cars attract higher premiums due to their increased market value.

Engine Capacity

As highlighted earlier, cars with larger engine capacities typically have higher premiums due to the increased risk and higher repair costs associated with them.

No Claim Bonus

If you have a record of no claims made by you, then on renewal of the next policy, you will get the benefit of a no-claim bonus, which decreases the premium amount.

Add-Ons

Zero depreciation, engine protection, and roadside assistance add-ons also increase the premium but ensure added coverage and peace of mind in case of an accident or breakdown.

Location and Traffic Density

Navi Mumbai is one of the cities plagued with heavy traffic, so the car insurance premium for cars here may see a small variance owing to accident risk factors and possible congestion, leading to more claims.

For an accurate quote for your car, visit Reliance General Insurance's official website to personalise the policy according to your requirements and choice.

How to File a Reliance Car Insurance Claim in Navi Mumbai?

Reliance General Insurance is known for its fast and efficient claim settlement process, which provides policyholders with peace of mind. In the unfortunate event of an accident or damage, Reliance has a straightforward method for filing claims, ensuring quick resolutions.

Cashless Claims:

1. Report the Incident -​ Inform Reliance General Insurance immediately via our helpline or mobile app with accident details.
2. Visit A Network Garage -​ Take your car to an approved network garage in Navi Mumbai for repairs.
3. Surveyor Inspection - A Reliance surveyor will inspect the damage and approve the repairs.
4. Claim Processing - The surveyor and garage will validate and approve the claim with Reliance General Insurance. After your claim is approved, repairs will commence, and you won’t have to pay the service fees upfront.
5. Car Repair and Delivery - Once the repairs are done, you can pick up your car and Reliance will settle the repair bill directly with the garage.

*Note that you still have to pay for compulsory deductibles and uninsured parts during claims.

Reimbursement Claims:

1. Report the Incidents - Contact Reliance General Insurance to report the damage via our helpline or mobile app.
2. Get Repairs at a Non-Network Garage - Take your car to the nearest garage, get it repaired and pay the bills. If you opt for a non-network garage, keep the repair bills and receipts.
3. Initiate the Claims Process - Go to our website ​and start the claims process by filling out the claims form and providing the documents and bills.
4. Document Verification - ​A Reliance surveyor may cross-verify the repairs and bills before approving the claim.
5. Claim Approval and Reimbursement - After your claim is approved, Reliance General Insurance will reimburse you for the eligible repair costs.

Documents Required

• Claim Intimation Form
• Policy Copy
  
• RC Book
• Repair Bills/Estimate
• FIR (if applicable)
• Driving License Copy
• Bank Details (for reimbursement)

Cashless Network Garages for Car Insurance in Navi Mumbai

At Reliance General Insurance, we offer cashless services at any of our  10,000+ cashless garages in India, many of which are also located in Navi Mumbai. You can find your nearest Reliance network garage in Navi Mumbai using our garage locator tool.

Our cashless services allow you to easily get your car repaired while we settle your bills, cutting out the hassle of having to gather funds at the last minute.

In other words, if your car is involved in an accident, you can get the repairs done without having to pay for it with your cash. We pay the garage directly, so you have no outlay.

Third-Party Vs Comprehensive Plans in Navi Mumbai

Understanding the differences between these two plans can help you choose the right coverage for your needs.

Traffic Do’s & Don’ts in Navi Mumbai

Do’s:

• Wear your seatbelt
• Stop at red; go with green
• Always drive within speed limits
• Be Indicative
• Only park in designated parking spaces
• Stay distant from other vehicles

Don’ts:

• Don’t use mobile phones while driving
• Don’t drink and drive
• Don’t overtake from the wrong side
• Do not drive without insurance
• Don’t block pedestrian crossings
• Don’t jump signals

Frequently Asked Questions (FAQs)

1. How do I download a copy of my car insurance policy in Navi Mumbai?

   You can easily download your car insurance policy from Reliance General Insurance's website by logging into it or simply contacting our customer support.

2. Do I get any discount when buying car insurance in Navi Mumbai?

   Reliance car insurance policies offer various valuable discounts on safe driving, no-claim bonus (NCB), and anti-theft device installation.

3. What is the fine for not having car insurance in Navi Mumbai?

   According to the Motor Vehicles Act, driving without car insurance in Navi Mumbai can result in a penalty of ₹2,000 for first-time offenders and ₹4,000 for repeat offenders.

4. Should I opt for Zero Depreciation or regular cover?

   Zero Depreciation cover is ideal for claims on newer vehicles as the depreciation is not taken into account when full claim settlement should be made. Although you have cheaper premiums with regular cover, the claims (for parts affected by depreciation) will be lower.

5. How to find the cheapest and best car insurance in Navi Mumbai?

   When looking for cheap car insurance in Navi Mumbai, compare policies and search for premium discounts. Reliance General Insurance offers affordable rates with comprehensive coverage options.

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.