Car Insurance In Ahmedabad

There are various car insurance companies in Ahmedabad, but what you need is the best car insurance in Ahmedabad. This is where we can help.

Reliance Car Insurance is a must-have if you either live in or are visiting Ahmedabad and need to commute through the city’s busy streets. Having car insurance will safeguard your car from any sort of damage or accident, and by partnering with Reliance General Insurance, you can get cheap car insurance in Ahmedabad.

Stats About Ahmedabad Traffic

• According to the Global Traffic Congestion Ranking, Ahmedabad occupies the 52nd position when it comes to road congestion.

• At least 10 people were lost to fatal accidents every week in Ahmedabad in 2022-23, with an overall record of 496 fatalities.

• Ahmedabad is known to have the deadliest roads in Gujarat state, accounting for 11% of the state’s road accidents.

• In 2023, Ahmedabad’s roads claimed 870 lives, and Ahmedabad district has a total of 44 black spots.

Why Should You Buy Car Insurance in Ahmedabad?

With Reliance General Insurance, you get excellent and affordable car insurance in Ahmedabad. Some of the reasons why you should get your car insured are stated below:

Mandatory by Law:

The government has made it essential for all cars to have insurance. If any car owner is found guilty of not having car insurance, they can be penalised, and their driving licence can be suspended temporarily.

Ahmedabad Traffic Conditions:

The roads of Ahmedabad are narrow and congested. Furthermore, it is quite populated, which leads to increased traffic on the road and road accidents.

Financial Support:

Having car insurance offers financial assistance for car repairs in case of road accidents and collisions. In many cases, it also provides legal aid if the need arises.

Reliance Car Insurance Plans in Ahmedabad

Third-Party Car Insurance:

Reliance Third-party car insurance covers the insured vehicle owner against financial and legal liabilities in case of injuries or damage due to your insured car.

Standalone Own Damage Property:

This insurance policy provides an additional layer of security to your car in case you already possess the Third Party Car Insurance. This policy protects your vehicle against damages caused by natural calamities and accidents.

Comprehensive Car Insurance:

This is the most extensive insurance policy offered by Reliance General Insurance. Also called first-party car insurance, this policy combines third-party car insurance along with the stand-alone own damage. It also offers flexibility in coverage with 10+ add-ons to meet individual needs.

Zero Depreciation Car Insurance:

This insurance package ensures that you receive the total cost of repair and replacement of car parts including depreciation in the event of a claim. This policy is offered by the Reliance Car Insurance as an add on with the Standalone Own Damage cover.

Pay As You Drive Insurance:

This Reliance car insurance cover is offered with our own damage and comprehensive plans. It adjusts your premium rates based on your car usage rather than having you pay a flat rate. With this cover, you save up to 90% on premiums.

Key Features and Benefits of Reliance Car Insurance in Ahmedabad

Reliance Car Insurance Price in Ahmedabad

Reliance Car Insurance Price in Ahmedabad​

You can use our online car insurance premium calculator to determine the cost of your insurance:

Step 1: Input your car registration number and personal details. Click on ’Check Our Prices’.

Step 2: Provide all the necessary details.

Step 3: Check the displayed car insurance price list.

You can also continue to modify the coverage and find the most budget-friendly car insurance in Ahmedabad.

Third-Party Car Insurance Premium Rates in Ahmedabad

Third-Party Car Insurance in Ahmedabad for Fuel-Based Cars

Third-Party Car Insurance in Ahmedabad for Electric Cars

Inclusions and Exclusions of Reliance Car Insurance Policy in Ahmedabad

Inclusions:

Third-Party Liabilities:

The Reliance car insurance covers third party liabilities i.e., it offers financial support in case of third party liability claims which include damage to property, injury to individual or death.

Natural and Man Made Calamities:

The car insurance coverage extends to natural calamities like fire, earthquake and so on. Alongside this, it also provides coverage in cases of man-made events like acts of vandalism or other malicious events.

Accident and Collision Coverage:

With the increase in population, there is also an increase in traffic as well as negligence in maintaining order on the streets. This can lead your car to collide with other cars or get into accidents on the road.

This policy covers accidents and collisions as well thus providing you with the financial aid to reimburse and repair your damaged car.

Exclusions:

Pre-Existing Damage:

The Reliance Car Insurance does not cover pre-existing damage to your car. The policy will cover those damages incurred by the vehicle after the insurance policy has been applied.

Normal Wear and Tear:

The insurance policy will not cover the minor scratches and the usual degradation that your car will undergo over time. Nor will it cover damages to electrical components not caused by a covered peril.

Illegal Driving:

The Reliance car insurance will not cover the damages caused to your car in case of reckless and illegal driving.

War:

Any sort of damage caused by wars or invasions will also not be covered by the Reliance Car Insurance.

Reliance Car Insurance Add-On Covers In Ahmedabad

Reliance Car Insurance offers a wide variety of Add-On covers in Ahmedabad:

• Nil Depreciation

• Pay-As-You-Drive

• 24x7 Roadside Assistance

• Return-to-Invoice Cover

• Engine Protection Cover

• Total Cover

• NCB Retention Cover

• EMI Protection Cover

• Daily Allowance Benefit

• Key Replacement Cover

• Tyre Protection Cover

• RIM Protection

• Loss of Personal Belongings

• Consumables Expenses

• Geo Extension

• Electrical Accessories

• Emergency Hotel Accommodation

• Non-Electrical Accessories

Additionally, we also offer add-on covers specific to electric cars, covering their unique needs.

How to Buy and Renew Reliance Car Insurance in Ahmedabad?

Online Buying Process

1. Visit the Reliance Car Insurance web page.

2. Enter the Vehicle Registration number along with other basic details and click on “Check Prices”.

3. Select the Add-ons and Insured Declared Value from the range of the 3 IDVs given.

4. A list of insurance policies will be visible. Click on the one best suited for your vehicle. Click on “Next”.

5. Confirm the details and click on “Proceed to Pay”. Select your preferred mode of payment and complete the payment.

Online Renewal Process

Listed below are the steps for the online renewal process of the Reliance Car Insurance in Ahmedabad-

1. Visit the Reliance General Insurance website.

2. Click on Renewal, then click on Renew Car Insurance.

3. Add/verify the registration number of the car.

4. The existing policy details and NCB will be displayed and you are to verify the same.

5. You can modify and update your car insurance policy online now.

6. After doing so, proceed to make the payment for the renewed car insurance.

7. After payment, you will receive a confirmation of your renewal with a digital copy of the car insurance policy.

Documents Required

• 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 acknowledgment letter addressed to the RTO detailing theft and "NON-USE" of the vehicle (For theft)

How to Choose the Best Car Insurance in Ahmedabad?

It is necessary that you make wise and mindful decisions while selecting a car insurance policy. In the following section we shall take a look at a few hacks and tips on how to select the best insurance policy for your four-wheeler in Ahmedabad.

Compare and Contrast with Other Policies:

Always compare the policies of various companies and select the best deal suited for your car. It is important that you conduct your own thorough research to get the best car insurance in Ahmedabad.

Look Into the Brand Name and Reputation of the Insurance Company:

While selecting a car insurance package in Ahmedabad, it is crucial that you also look into the reputation of the company. Always make sure that your insurance provider has a clean record and an effective claim settlement record.

Choose an Appropriate Package:

There are multiple kinds of insurance packages available, and thus, it is only natural to become overwhelmed in this age of information proliferation. Therefore, we advise you to evaluate carefully and then select an insurance package that is apt for your vehicle.

Factors Affecting Car Insurance Premiums in Ahmedabad

Engine Capacity:

One of the factors that affect car insurance premiums in Ahmedabad is the engine capacity of the car. The premium is directly proportional to the engine’s cubic capacity.

Insurance Coverage:

The type of your car insurance is an important factor in determining the premium.

Model of the Car:

Different car models have different specifications such as repair expenses, safety ratings and so on. These factors, therefore, shape the risk profile of your four-wheeler and, in turn, affect your four-wheeler insurance premium.

Geographical Location:

The Reliance Car Insurance premium is also dependent upon your geographical location, i.e., if you frequently drive in accident-prone areas or areas with higher chances of flooding or other similar riskier areas.

How to File a Reliance Car Insurance Claim in Punjab?

Steps to File Cashless Claims

1. Start your claims process by contacting us within 24 hours of the occurrence of the incident in Ahmedabad by:

   1. Calling our helpline number +91-22-48903009 (paid)

   2. Logging in to your Reliance Self-i App

   3. Visiting our Car Insurance Claim page

2. Take your car to the nearest network garage in Ahmedabad.

3. Our surveyor will assess the extent of damage within 48 hours. The claim will be approved and processed based on the surveyor’s reports.

4. Upon approval, you can get the repair work done at the network garage.

5. We will settle your bill directly with the garage.

Steps to File a Reimbursement Claim

1. To file a reimbursement claim with us, contact us via the options provided above.

2. Make sure to gather all possible evidence, such as photos of the incident.

3. You can choose any garage in Ahmedabad to repair your car.

4. Collect all relevant documents, including bills, estimates and invoices.

5. Fill out the claim form carefully and attach all the required documents.

*Note that for reimbursement claims, you will need to pay the bills upfront and get reimbursed later.

You can easily track the status of your car insurance claim online in Ahmedabad by entering your claim or policy number.

Documents Required for Car Insurance Claim Process

• Policy document

• Forms 28, 29 and 30 signed by the insured (for admission of liability)

• FIR (in case of claim for third-party liabilities or theft)

• NOC of the financer (for loaned cars)

• Copy of registration certificate

• Copy of driving licence

• Garage name (with contact details)

Here is a full list of car insurance claim documents required for specific claims.

Cashless Network Garages for Car Insurance in Ahmedabad

Cashless garages are specific garages which Reliance General Insurance has tie-ups with. In these garages, you can get your car repaired without having to pay for repair costs upfront. To find your closest network garage in Ahmedabad, use our garage locator tool.

Third-Party Vs Comprehensive Plan

Traffic Dos and Don’ts in Ahmedabad

Some of the essential traffic dos and don’ts are mentioned in the below section for your own safety.

• The most basic and essential rule is to follow the traffic signals diligently. This ensures not only your safety but also the safety of other cars and pedestrians on the road.

• Do not drive under the influence of alcohol or substances. If you are not in your proper faculties, order a cab or call a friend/ family member to pick you up.

• Do not use your phone while driving as your attention gets divided, thus making you more prone to accidents.

• Maintain a safe distance from the other cars so as to avoid bumping into others or colliding with other vehicles.

• Be considerate of others. It is your responsibility as a car owner to make sure your actions do not lead to adverse effects such as accidents and damage to property.

Frequently Asked Questions (FAQs)

Which car insurance is best in Ahmedabad?

The best Reliance Car Insurance policy to opt for in Ahmedabad is one that addresses your coverage needs.

Do I get any discount when buying car insurance in Ahmedabad?

Yes, you can be eligible for a discount when buying car insurance online in Ahmedabad.

Are offline and online car insurance the same in Ahmedabad?

Yes, online and offline Reliance Car Insurance is the same in Ahmedabad. They provide the same functions. Although offline car insurance is slightly more expensive when compared to online insurance.

What are the types of car insurance in Ahmedabad?

The Reliance Car Insurance offers third party car insurance, comprehensive car insurance, standalone own damage car insurance, pay as you drive insurance and zero depreciation car insurance.

How can I get second-hand car insurance in Ahmedabad?

Here’s how to get our car insurance for a secondhand car in Ahmedabad:

• Complete your car’s inspection with our team of experts.

• Collect all the necessary documents, such as forms 29 and 30 and RC transfer proof.

• Buy car insurance online with the help of the steps mentioned above.​