Car Insurance in Coimbatore

​Coimbatore, also known as Kovai (in Tamil), is renowned as the ‘Manchester of South India’ and is celebrated for its thriving and well-established textile industry. Keeping in with its stature as a major regional city, Coimbatore has developed a decent urban infrastructure and connectivity with other cities in the region.

However, with this progress comes an increase in road traffic and accidents, making car insurance in Coimbatore a crucial necessity. In fact, Coimbatore has ranked among the highest in accident-related deaths in Tamil Nadu.

Reliance General Insurance offers car insurance in Coimbatore with a diverse array of product options and add-ons to provide comprehensive coverage.

Statistics About Road Acci​dents in Coimbatore

The key highlights for the year 2024, up to March 2024 (Jan to Mar - Provisional Data) are as follows:

• The average fatality rate in Tamilnadu per day is 48, and 5.39% of the fatalities are recorded in Coimbatore.

• Coimbatore has recorded 882 road accidents and ranked second next to Chennai with 909.

• The number of road accidents in Coimbatore has remained consistent from 2022 to 2024, with 842 in 2022, 886 in 2023 and 882 in 2024.

• A total of 235 road accident hotspots have been identified in Coimbatore , second only to Madurai, with 266.

Source:Road Accident Analysis in Tamil Nadu During March 2024

Also Read: Common Causes of Road Accidents in India

Why Should You Buy Car Ins​urance in Coimbatore?

• To Protect Against Rising Road Accidents - As evident from the previous section, road accidents have been a serious cause for concern in Coimbatore. Car insurance in Coimbatore offers financial protection against the frequent risk of accidents.

• To Be Legally Compliant - According to the Indian Motor Vehicles Act 1988, it is mandatory to have a third-party car insurance plan for your car. You can get third-party car insurance from companies in Coimbatore, either online or offline, to fulfil your legal obligations.

• To Be Financially Secure - Damages incurred to your car due to accidents, theft, natural disasters, man-made calamities, and more can be covered under a car insurance policy.

• Peace of Mind - When you are financially protected against a wide range of potential risks, you can travel anywhere in Coimbatore with peace of mind.

Types of Car Insurance Plans ​​in Coimbatore

Types of Car Insurance Plans	Features	More Details and How to Buy Car Insurance Online?
Reliance Third-Party Car Insurance	● Covers third-party bodily injuries (including death) and property damages due to an accident caused by your insured car. ● Legally mandatory as per Indian laws ● Does not cover own damages	Know More
Reliance Own-Damage Car Insurance	● Covers damages incurred to your car exclusively ● Damages incurred due to accidents, natural disasters, theft, fire, man-made calamities, etc., are covered. ● Does not cover third-party injuries and property damages	Know More
Reliance Comprehensive Car Insurance	● Covers own damages and third-party liabilities ● Includes Personal Accident Cover ● It can be customised with a wide range of optional covers	Know More
Reliance Limit Sure - Pay-As-You-Drive Insurance	● Coverage is offered based on the approximate kilometres you drive in a year. ● Premium is based on this approximate distance. ● You can increase the kilometres or carry it forward to the next year.	Know More

Key Features and Benefits of Re​​liance Car Insurance in Coimbatore

Key Features and Benefits	Details
Affordable Premium	Our car insurance plans in Coimbatore start at ₹238/Month*
Attractive Discounts	Extensive discounts for online purchases, installing anti-theft devices, voluntary deductibles and more
Online Processes	Seamless processes for the purchase, renewal and claim settlement online
Paperwork	Minimal to Zero
Personalised Solutions with Add-Ons	Over 18 add-ons for non-electric and electric cars
Cashless Garages	Wide expanse of over 10,000 cashless garages across India
Personal Accident Cover	Coverage for accidental death and disabilities for the owner-driver up to ₹15 lakhs
Quick Response for Claims	Prompt response within 48 hours of claim intimation
Reliance Self-i App	Intimate claims and have live video calls, instantly renew car insurance, find cashless garages and explore more with our Reliance Self-i App
Claim Settlement Ratio	100% Claim Settlement Ratio for FY 2023-24
24x7 Customer Support	Dedicated customer support 24x7 to address your queries

Cost of Reliance Car Insurance in​​ Coimbatore

Reliance Car Insurance Price in Coimbatore

To get a personalised quote on your car insurance premium, you can use our online car insurance premium calculator:

Step 1: Enter your car registration number and contact information. Click on ’Check Our Prices’.

Step 2: Provide all the necessary details.

Step 3: Check the displayed car insurance prices.

You can keep modifying the coverage to find the most budget-friendly car insurance in Coimbatore for you.

Third-party Car Insurance Premium

The Insurance Regulatory and Development Authority of India (IRDAI) determines the premium for third-party car insurance plans in India. It is based on the engine's cubic capacity and is subject to change every year.

Third-party Car Insurance Premium for Non-Electric Cars

Engine Cubic Capacity	Third-Party Car Insurance Premium for One Year (in ₹)
Within 1000 cc	2,094
Between 1000 cc and 1500 cc	3,416
Above 1500 cc	7,897

Third-party Car Insurance Premium for Electric Cars

Battery Capacity	Third-Party Car Insurance Premium for One Year (in ₹)
Within 30 kW	1,780
Between 30 kW and 65 kW	2,904
Above 65 kW	6,712

Inclusions and Exclusions of Rel​iance Car Insurance in Coimbatore

Inclusions

Car Insurance in Coimbatore - Inclusions	Details
Third-Party Coverage	For third-party injuries, death and property damages
Accidents	For the repair and replacement of car parts due to road accidents
Fire	For the damages incurred due to fire, self-ignition, explosions, etc
Theft	For total loss and damage of parts based on IDV
Natural Calamities	For the damages incurred due to floods, earthquakes, hailstorms, etc.
Man-made Disasters	For the damages caused by riots, terrorism, vandalism, etc.
Personal Accident Cover	Coverage for accidental death and disabilities for the owner-driver up to ₹15 lakhs
Animal Attacks	For the damages caused by animals, such as animal bites
In-Transit	For the damages caused to your car during transportation via roadways, railways, airways or waterways,

Exclusions

Car Insurance in Coimbatore - Exclusions	Details
Depreciation, Regular Wear and Tear	Ageing of parts and usual degradation of the vehicle
Electrical	For the damages caused to electrical components
Pre-Existing Damages	For the damages that were prevalent before the purchase of the car insurance policy
Geographical Limits	For the damages incurred while driving outside the geographical limits specified in the policy
War	For the damages incurred due to a war, such as a nuclear war or a civil war
Illegal Driving	Driving in restricted areas, participating in illegal races, and driving under the influence of alcohol or drugs
Driver’s Negligence	For the damages caused due to the driver’s negligence
Driving without Valid Documents	For the damages incurred on the car when not having valid documents, such as Registration Certificate, Driving Licence, etc.

Reliance Add-Ons for Car Insurance​ in Coimbatore

Reliance General Insurance offers a wide range of add-ons to help you enhance the coverage for your specific requirements.

Nil Depreciation	Pay-As-You-Drive	Consumables Expenses
24x7 Roadside Assistance	Engine Protection Cover	Tyre Protection Cover
EMI Protection Cover	Loss of Personal Belongings	Geo Extension
Return-to-Invoice Cover	NCB Retention Cover	RIM Protection
Total Cover	Key Replacement Cover	Daily Allowance Benefit
Emergency Hotel Accommodation	Electrical Accessories	Non-Electrical Accessories
Reliance EV-Specific Car Insurance Add-Ons for Electric Cars
Electric Vehicle Battery Protection	Electric Vehicle Charger	Electric Motor Protect

How to Buy and Renew Reliance ​​Car Insurance in Coimbatore?

How to Buy Reliance Car Insurance in Coimbatore?

• Step 1: Visit our Car Insurance Online

• Step 2: Provide details such as your car’s registration number, mobile number and email ID and click on ‘View Prices’.

• Step 3: Verify the details and choose from the various options for car insurance in Coimbatore and include the necessary optional covers.

• Step 4: Click on ‘Buy Now’ and pay the applicable premium using a suitable payment method.

• Step 5: The e-copy of your car insurance policy will be sent to your registered email address.

How to Renew Reliance Car Insurance in Coimbatore?

• Step 1: Visit our Car Insurance Online

• Step 2: Under the ‘Renewal’ tab, click on ‘Renew Car Insurance’.

• Step 3: Provide your mobile number or policy number to renew your car insurance in Coimbatore.

• Step 4: Review your existing car insurance policy details and modify them by enhancing the coverage or including the necessary add-ons.

• Step 5: Pay the applicable premium, and we will send you the e-copy of your renewed car insurance policy to your registered email address.

Documents Required to Buy or Renew Reliance Car Insurance in Coimbatore

• Copy of Car’s Registration Certificate

• Proof of Age, such as an Aadhaar Card, Birth Certificate, etc.

• Proof of Identity, such as an Aadhaar Card, Passport, Driving Licence, etc.

• Proof of Address, such as Aadhaar Card, Ration Card, Passport, etc.

• Copy of Driving Licence

• Passport-size Photographs

How to Choose the Best Car Insuran​ce in Coimbatore?

Assess your Requirements	Compare Car Insurance Plans	Look out for Discounts
Analyse your requirements and determine the type of car insurance plan required. Consider factors such as your location, car’s make and model, usage, etc., to determine the coverage required.	Compare the features, benefits and overall value for money of various plans from car insurance companies in Coimbatore.	As you compare options for car insurance in Coimbatore, take advantage of the discounts to strike the best deal.

Check for the Number and Variety of Add-Ons	Check for Reputable Car Insurance Companies in Coimbatore	Evaluate the Insurer’s Claim Processes
Choose car insurance plans that offer a wide range of optional add-ons to customise them to your specific needs.	Review and compare customer feedback to find reliable car insurance companies to get the best experience.	Ensure you choose car insurance companies in Coimbatore that offer access to simple and hassle-free claim processes.

Determine the Claim Settlement Ratio

Determine the claim settlement ratio to assess the insurer’s reliability in settling claims efficiently.

Factors Affecting the Premium for C​​ar Insurance in Coimbatore

Location - There are many accident hotspots identified in Coimbatore. Cars registered in accident-prone zones tend to have higher premiums.

Choice of Car Insurance Policy - The type of policy and the optional add-ons chosen will significantly affect your car insurance premium.

Insured Declared Value - The IDV in insurance refers to your car’s current market value less the applicable depreciation. It denotes the amount you will receive for a total loss.

Age - The IDV is higher for new cars than old cars. Therefore, the premium is also higher for brand-new cars.

Make and Model - The make and model of your car is a key determining factor for car insurance premiums. Luxury cars with extensive features attract a higher premium compared to standard cars.

How to File a Reliance Car Insurance Clai​​m in Coimbatore?

Steps to Register a Cashless Claim

• Step 1: Notify us about the incident by contacting us within 24 hours using any of the following methods

  • Paid helpline number - +91 22 48903009

  • Logging into our Reliance Self-i App
    

  We will respond in 48 hours for the survey of damages.

• Step 2: Take your car to any of our cashless garages nearest to your location.

• Step 3: Our surveyor will investigate the damages and process the claim. You can submit the claim form and the supporting documents to the surveyor.

• Step 4: Upon approval, the repair work will be carried out.

• Step 5: Upon completion, we will settle the bills directly with the garage owner.

​Steps to Register a Reimbursement Claim

• Step 1: Notify us about the incident by contacting us within 24 hours using any of the methods discussed above.

• Step 2: Take your car to any authorised garage of your choice.

• Step 3: Pay for the expenses upfront out of your pocket and get the bills and payment receipts.

• Step 4: Submit the claim form and all the supporting documents.

• Step 5: We will review your claim and reimburse you for the applicable expenses.

You can check the status of your car insurance claim online by providing your policy number or claim number.

Note: Coverage for uninsured parts, deductibles and depreciation is not applicable unless it is included in the specific add-ons.

Documents Required for Car Insurance Claims in Coimbatore

• Car insurance policy

• Claim form

• First Information Report, if applicable

• Copy of Registration Certificate

• Copy of Driving Licence

• Repair Bills

• Payment Receipts

• Medical bills in case of Personal Accident Cover

Here is more information on the details and documents required to file a car insurance claim.

Cashless Garages for Car Insurance​ in Coimbatore

Cashless garages refer to our Reliance network of garages, which has partnered with us to offer cashless repair services.

Benefit of Cashless Garages - When you take your car to any of our network of cashless garages, you don’t have to worry about paying for the repair expenses. We will settle the bills directly with the garage.

How to Find a Cashless Garage? - You can find a cashless garage nearest to your location with our Garage Locator.

Third-Party vs Comprehensive Car Insurance in Coimbatore

Differentiating Factors	Third-Party Car Insurance	Comprehensive Car Insurance
Coverage	Third-party injuries, death and property damages	Third-party liabilities and own car damages
Legal Requirement	Legally mandatory	Not mandatory
Customisation with Add-Ons	Not applicable	A wide range of optional add-on covers, such as Nil Depreciation, Roadside Assistance, etc.
Premium	Determined by IRDAI based on the engine’s cubic capacity and low due to basic coverage	Specific to the car’s make and model and determined by various factors, such as Insured Declared Value, location, choice of add-ons, etc. It is comparatively high due to broader coverage.
Personal Accident Cover	Optional	Included as part of the car insurance policy
Ideal For	Individuals seeking basic coverage, having old cars, using their cars very less frequently	Individuals who have new cars, high-value cars, drive in accident-prone zones, going on long drives frequently.

Traffic Do’s and Don’ts in Coim​batore

Do’s

• Be cautious about two-wheelers in Coimbatore overtaking from the left-hand side.

• Always wear a seatbelt.

• Follow traffic rules diligently.

• Keep a copy of all the necessary documents in the car to avoid hefty fines.

Don'ts

• Avoid speeding on the narrow roads that are common in Coimbatore.

• Avoid being on a call while driving.

• Avoid parking your cars in No-Parking zones, even for a short period.

• Do not drive after consuming alcoholic beverages.

• As there are many colleges and schools within the city limits, avoid driving during the times when schools and colleges open and close.

Frequently Asked Ques​​tions

1. How can I buy second-hand car insurance in Coimbatore?
   1. Assess the current condition of the car and its parts to determine the required coverage. Ensure to account for the depreciation.
   2. Collect all the necessary documents, such as Registration Certificate, Form 29 or Form 30 and get the ownership transferred to your name.
   3. Buy car insurance online using the steps discussed in the above sections.
2. Which is the best car insurance in Coimbatore?

   The best car insurance in Coimbatore for your car will depend on your personal circumstances. It should be based on factors such as your car’s make and model, age, type of car insurance policy required, your location and usage, your driving profile and claim history.

3. What is the cheapest car insurance policy?

   Third-party car insurance offers basic coverage and is the cheapest car insurance policy. However, it does not cover your own car damages. Therefore, you should choose your car insurance policies carefully, considering your requirements and the coverage offered.

4. Do I get any discount when buying car insurance in Coimbatore?

   When you buy a car insurance policy from Reliance, you get discounts for online purchases, installing anti-theft devices, choosing higher voluntary deductibles and more.

5. Should I opt for a Zero Depreciation cover?

   You can opt for zero depreciation cover if you want full claim benefits without any deduction for the depreciation applicable to your vehicle. For instance, if you have an older car, zero depreciation cover will be useful as the cost of depreciation tends to be higher.​