Car Insurance in Kerala

​Kerala, known for its lush landscapes and bustling cities, also experiences heavy traffic on its roads. As a responsible car owner in Kerala, protecting your vehicle with the right car insurance is crucial. Reliance General Insurance offers comprehensive car insurance solutions tailored to meet the unique needs of Kerala's drivers.

Whether you're navigating the busy streets of Kochi or exploring the serene backwaters, our car insurance in Kerala ensures you're covered every step of the way.

₹238/month* Premiums Starting

100% Claims Settlement

5+ Crore Policyholders

10,000+ Network Garages

Stats About Kerala Traffic

At Reliance General Insurance, we understand the importance of road safety in Kerala. Recent statistics highlight the critical need for comprehensive car insurance:

• From , Kerala reported 1,86,375 road accidents, resulting in 19,468 fatalities and 2,11,534 injuries.
• One in 10 road accidents in Kerala is fatal.
• The 18-45 age group accounts for of accidental deaths.
• On average, Kerala experiences about 37,275 road accidents annually.

These figures underscore why Reliance General Insurance offers robust car insurance solutions for Kerala's drivers. Our plans are designed to protect you against the real risks on our roads, whether you're in busy cities like Kochi or on scenic coastal highways.

Why Should You Buy Car Insurance in Kerala

We at Reliance General Insurance believe having car insurance is not only the law but also a smart way to protect your peace of mind. Here's why we recommend comprehensive car insurance for all Kerala drivers:

Financial Protection

Kerala's roads can be unpredictable. Our car insurance safeguards you against unexpected repair costs and liabilities that could otherwise put a significant dent in your finances.

Peace of Mind

With Kerala's bustling traffic, especially in cities like Kochi and Thiruvananthapuram, having Reliance car insurance provides the security you need to navigate busy streets without worry.

Natural Disaster Coverage

Kerala's unique geography makes it vulnerable to floods and landslides. Our comprehensive car insurance plans ensure you're protected against these natural calamities.

Types of Car Insurance in Kerala

We provide a variety of car insurance options for Kerala drivers at Reliance General Insurance:

Type of Insurance	What to Expect
Reliance Third-Party Car Insurance	This basic plan covers damages to third-party vehicles and individuals, meeting the minimum legal requirement. It's an affordable option for budget-conscious drivers in Kerala.
Reliance Own-Damage Car Insurance	Designed to protect your vehicle against damages and theft, this plan is perfect for those who already have third-party coverage but want added protection for their own vehicle.
Reliance Comprehensive Car Insurance	Our most popular option combines third-party and own damage coverage for complete protection. It's ideal for those who want peace of mind on Kerala's diverse roads, from busy city streets to winding mountain passes.
Reliance Limit Sure Pay-As-You-Drive Insurance	We're proud to offer this new solution that allows you to save up to 90% on premiums based on your actual driving usage. It's perfect for occasional drivers or those who use public transport for daily commutes but need car insurance for weekend trips to Kerala's beautiful destinations.

Key Features and Benefits of Reliance Car Insurance in Kerala

At Reliance General Insurance, we're proud to offer top-notch car insurance solutions for Kerala's diverse driving needs. Here's what makes us stand out:

Highlights	Benefits
Digital-First Approach	Enjoy seamless online claims, purchases and renewals, perfect for tech-savvy Keralites from Thiruvananthapuram to Kozhikode
Streamlined Documentation	Minimal paperwork means more time for you to explore Kerala's scenic beauty, from Varkala beaches to Munnar's tea plantations
Extensive Garage Network	500+ partner garages across Kerala, ensuring quality repairs are accessible, even in smaller towns
Comprehensive Personal Protection	Up to ₹15 lakhs personal accident cover for owner-driver, ensuring your family's security on Kerala's diverse roads
Tailored Add-ons	20+ add-ons, including coverage for Kerala’s monsoon season and coastal corrosion protection
Impressive Claim Settlement	100% claim settlement ratio, giving you confidence whether you're commuting in Thrissur or road-tripping to Silent Valley
24/7 Kerala-Specific Support	Round-the-clock assistance in Malayalam and English for clear communication in emergencies
User-Friendly Mobile App	Manage your policy and claims on the go, ideal for busy professionals in Technopark or tourists exploring Wayanad
Loyalty Rewards	Up to 50% No Claim Bonus for claim-free years, rewarding careful drivers across Kerala

Reliance Car Insurance Price in Kerala

Calculating Your Reliance Car Insurance Rate in Kerala

Reliance makes it easy to calculate your car insurance premium in Kerala using our car insurance premium calculator:

Step 1: Visit our website and enter your car's registration number and your contact information. Then click Check Our Prices'.

Step 2: Provide additional details about your vehicle and driving history.

Step 3: Review the personalised car insurance rates in Kerala displayed for you.

Third-Party Car Insurance Premium Rates in Kerala

As per the latest IRDAI guidelines for 2024, third-party premiums in Kerala are standardised across all insurers:

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

These rates ensure that all car owners in Kerala have access to standardised third-party coverage, regardless of their insurer choice.

Inclusions and Exclusions of Reliance Car Insurance Policy in Kerala

Inclusions

• Third-party liability protection
• Comprehensive coverage for your vehicle
• Natural disaster protection (crucial for Kerala's climate)
• Coverage against man-made calamities
• Anti-theft safeguards
• Fire damage protection
• Personal accident cover for the owner-driver

Exclusions

• Regular wear and tear
• Mechanical failures
• Damage from driving under the influence
• Consequential losses
• Depreciation of parts
• Damage to tyres (unless part of a larger accident)
• Acts of war or nuclear incidents

Understanding these inclusions and exclusions helps you make an informed choice about your best car insurance in Kerala.

Reliance Car Insurance Add-On Covers In Kerala

Kerala's unique geography and climate call for specialised insurance coverage. At Reliance General Insurance, we offer a range of add-on covers tailored to the specific needs of Kerala drivers:

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Factors Affecting Car Insurance Premiums in Kerala

When calculating your car insurance rate in Kerala, several factors come into play. Understanding these aspects will help you choose wisely and save your insurance costs:

1. Vehicle's Insured Declared Value (IDV): The current market value of your car in Kerala will affect your insurance costs. For example, luxury cars in Kochi or Thiruvananthapuram might have higher IDVs compared to standard models.
2. Age and Model of Your Car: Newer models or high-end cars often have higher premiums due to costly repairs and parts.
3. Driving History and Claims Record: A clean driving record in Kerala's challenging traffic conditions can significantly lower your premium.
4. Type of Coverage: Comprehensive insurance protects you more, but it costs more than third-party-only insurance.
5. Your Car's Fuel Type: Petrol, diesel, or electric vehicles might have different premium rates.
6. Usage Patterns: Daily commute in busy cities like Kochi versus occasional use in smaller towns like Guruvayur can affect your premium.

How to Buy and Renew Reliance Car Insurance in Kerala?

At Reliance General Insurance, we've streamlined our processes to make buying and renewing Kerala car insurance as smooth as a drive along Palm Beach Road in Kochi.

Online Buying Process

1. Visit the Reliance General Insurance website
2. Click on 'Car Insurance' from our product menu
3. Enter your vehicle details (make, model, registration number) and personal information
4. Choose your preferred coverage
5. Make the payment and receive your policy documents instantly via email

Online Car Insurance Renewal Kerala Process

1. Navigate to our renewal page on the Reliance General Insurance website
2. Enter your existing policy number or vehicle details
3. Review and update your information if needed (e.g., change of address within Kerala)
4. Select any new add-ons you wish to include
5. Pay securely online and instantly renew your policy

Documents Required

To ensure a smooth process, keep these documents handy:

• Vehicle Registration Certificate (RC) issued by Kerala RTO
• Previous insurance policy (for renewals)
• Valid driving licence
• Vehicle invoice (for new cars purchased in Kerala)
• PAN card or Aadhaar card

Our digital-first approach means you can complete the entire process from the comfort of your home in Kottayam or while sipping tea at a cafe in Fort Kochi.

Useful Links:

• Endorsement Checklist – Modify Your Insurance Policy

How to Choose the Best Four-Wheeler Insurance Policy in Kerala

We want you to choose Kerala vehicle insurance wisely. Here's our guide to choosing th​e best policy:

Assess Your Coverage Needs

Think about how you drive and how much your car is worth. If you frequently drive in high-traffic areas like Kochi or Thiruvananthapuram, comprehensive coverage might be your best bet.

Explore Add-ons

Reliance offers a range of add-ons to customise your policy. Consider options like zero depreciation or roadside assistance, which are especially useful for those long drives along Kerala's scenic coastal roads.

Check Our Claim Settlement Ratio

At Reliance, we pride ourselves on our high claim settlement ratio. This reflects our commitment to being there for you when you need us most.

Network of Cashless Garages

We have a large network of cashless garages all over Kerala, in both big cities and smaller places. This ensures you're never far from help when you need it.

Compare Premium Rates

While we believe in offering competitive car insurance rates in Kerala, we encourage you to compare quotes. We're confident that our combination of coverage, service and price makes Reliance the best car insurance company in Kerala.

How to File a Reliance Car Insurance Claim in Kerala

We understand that accidents can happen, whether you're navigating the busy streets of Thrissur or enjoying a scenic drive in Thekkady. That's why we've made our claims process as straightforward as possible.

Cashless Claims

1. Inform us immediately after the incident 24 hours through Reliance Self-i app or Call us on +91-22-4896-3009
2. Take your vehicle to any of our network garages across Kerala
3. Share your policy details and driving licence with the garage
4. Our expert surveyor will assess the damage promptly
5. Get your car repaired without any upfront payment (except for deductibles, if any)

Reimbursement Claims

1. Notify us about the incident as soon as possible
2. Take your car to any garage of your choice in Kerala
3. Pay for the repairs and collect all bills and receipts
4. Submit the claim form along with the required documents to our nearest branch in Kerala
5. We'll process your claim swiftly and reimburse the approved amount directly to your bank account

Documents Required

To ensure smooth processing of your claim, please keep these documents ready:

• Duly filled claim form
• Copy of your Reliance car insurance policy
• Copy of your valid driving licence
• Vehicle Registration Certificate (RC)
• Police FIR (in case of theft or third-party injury)
• Original repair bills and payment receipts
• Photos of the damaged vehicle (if applicable)

At Reliance General Insurance, we're committed to making your car insurance experience in Kerala as smooth as a backwater cruise.

Cashless Network Garages for Car Insurance in Kerala

Reliance General Insurance, a leading car insurance company in Kerala, offers an unmatched cashless garage network across the state. This extensive network makes us one of the best car insurance providers in Kerala, catering to the diverse needs of drivers in this unique landscape.

Key Features of Our Cashless Garage Network:

1. Wide Coverage: From bustling cities like Kochi to serene hill stations like Munnar, our network spans the entire state.
2. Kerala-Specific Services: Our garages specialise in monsoon-related repairs and addressing issues unique to Kerala's coastal and hilly regions.
3. Multilingual Support: Communicate effortlessly in Malayalam or English at our partner garages.
4. Quick Turnaround: Enjoy swift repairs, even during peak tourist seasons and local festivals.
5. Easy Locator Tool: Find the nearest cashless garage instantly using our Kerala Garage Locator.

By choosing Reliance for your Kerala car insurance, you're ensuring hassle-free repairs and maintenance, no matter where you are in the state. This comprehensive coverage and service network contribute to our reputation as one of the best car insurance companies in Kerala.

Third-Party Vs Comprehensive Plans

At Reliance General Insurance, we offer both third-party and comprehensive car insurance plans. Understanding the main key differences can help you choose the right coverage for your needs in Kerala:

Third-Party Insurance

• Mandatory by law for all vehicles in Kerala
• Covers damages to third-party vehicles and individuals
• More affordable premiums make it a popular choice for budget-conscious drivers
• Doesn't cover damages to your own vehicle

Comprehensive Insurance

• Includes all third-party coverage plus protection for your own vehicle
• Covers many risks, including natural disasters (crucial in flood-prone areas of Kerala), theft and accidents
• Higher car insurance rate in Kerala but offer broader protection
• Allows for optional add-ons like zero depreciation or engine protection, tailored to Kerala's driving conditions

Traffic Do's and Don'ts in Kerala

At Reliance, we believe that safe driving is crucial for maintaining affordable car insurance rates in Kerala. As a top car insurance company in Kerala, we've compiled essential traffic guidelines to help you navigate the state's unique road conditions safely:

Do's:

1. Always carry updated car insurance documents
2. Use fog lights during heavy monsoon rains, especially in hilly areas.
3. Drive cautiously on ghat roads in places like Idukki and Wayanad.
4. Follow specific driving rules in eco-sensitive zones
5. Use indicators well in advance on Kerala's often narrow and winding roads.

Don'ts:

1. Avoid overspeeding in Kerala's highways
2. Don't ignore 'No Parking' signs in busy urban areas
3. Never drink and drive
4. Avoid using high beams unnecessarily, particularly on Kerala's many two-lane roads.
5. Don't neglect regular vehicle maintenance, which is crucial in Kerala's humid climate.

Following these guidelines not only ensures your safety but may also positively impact your car insurance premiums and claim history.

Frequently Asked Questions

1. How can I buy second-handcar insurance in Kerala?

   Reliance makes insuring your second-hand car in Kerala simple:

   • Assess the vehicle thoroughly, keeping Kerala's unique climate in mind
   • Gather essential documents: RC, Form 29/30 and pollution certificate
   • Transfer ownership at your local Kerala RTO
   • Visit Reliance's website for quick online car insurance in Kerala
   • Get immediate coverage tailored to Kerala's specific risks

   With Reliance, you're choosing one of the best car insurance companies in Kerala for your second-hand vehicle.

2. Which is the best car insurance in Kerala?

   As a leading provider of Kerala car insurance, Reliance offers customised policies that consider:

   • Your vehicle's suitability for Kerala's varied landscapes
   • Coverage needs (comprehensive vs third-party)
   • Driving patterns across Kerala's diverse regions
   • Local risk factors unique to Kerala

   We strive to offer the best car insurance in Kerala by balancing comprehensive coverage with competitive rates.

3. What is the cheapest car insurance policy?

   While third-party insurance offers the lowest car insurance rates in Kerala, Reliance recommends comprehensive coverage due to Kerala's unique risks. Our comprehensive policies provide broader protection against Kerala's monsoons, diverse terrains and other local hazards, offering better value in the long run.

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

   Reliance offers attractive discounts on car insurance in Kerala:

   • Online purchase discounts for tech-savvy Keralites
   • No Claim Bonus (NCB) for safe drivers
   • Special rates for vehicles with advanced safety features
   • Eco-friendly discounts for electric and hybrid vehicles
   • Long-term policy discounts

   These discounts make Reliance one of the most cost-effective car insurance companies in Kerala.

5. Should I opt for a Zero Depreciation cover?

   For car insurance in Kerala, Reliance strongly recommends zero depreciation coverage. This add-on is particularly valuable given Kerala's heavy monsoons and diverse driving conditions.

   It ensures full claim amounts without depreciation deductions, which is especially beneficial for newer vehicles and in Kerala's coastal or high-altitude areas.