Call us now to secure insurance coverage for health, motor, and more. Timing: 10:00 a.m. to 07:00 p.m. every day.
Chat with us on our WhatsApp number
Find quick answers to all your insurance queries from our self-help section.
Call us for any help with renewals or claims. Timing: 09:00 a.m. to 07:00 p.m. every day.
Join India’s leading general insurance company. Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday.
Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians
Sent to Edit
Resend OTP in 60 Seconds
Our Insurance Expert will contact you to provide you further details.
Kolkata, popularly known as India’s ‘cultural capital,’ is home to a number of historical places, including the Victoria Memorial, the Indian Museum, the Asiatic Society and many more. It is one of India's oldest cosmopolitan cities and has a well-designed transport system.
However, Kolkata’s streets are often bustling and unpredictable, with frequent festivals and ongoing road work. While the number of road accidents and related deaths has decreased over the years, it still remains significantly high.
Reliance General Insurance offers car insurance in Kolkata with various flexible features and optional covers tailored to your specific requirements.
Here is how you can benefit from the best car insurance in Kolkata for you and stay protected on the road.
In Kolkata, there were 1,717 road accidents in 2021 and 1,948 in 2022, ranking the city in the 16th and 15th positions among other major cities in India.
Under the Road Junctions category, T-junctions on roads account for the largest share of accidents. Kolkata is one of the leading five Million-Plus Cities in terms of these T-junction accidents.
Source: Road Accidents in India 2022
High Number of Road Accidents - As evident from the previous section, the number of road accidents remains alarmingly high, particularly at T-junctions.
To Comply with Legal Provisions - In India, purchasing a third-party car insurance policy for your car is mandatory as per the legal provisions stated in the Motor Vehicles Act, 1988.
To Pay for Unexpected Damages incurred to your Car - With a car insurance policy, you can get covered for the repair expenses due to accidents, natural calamities, theft, man-made calamities, fire and more.
Reliance Third-Party Car Insurance
● Provides coverage for third-party property damages, bodily injuries and death
● Does not provide coverage for own damages incurred to your car
Know More
Reliance Own-Damage Car Insurance
● Provides exclusive coverage for damages incurred to your car
● Coverage for damages against accidents, theft, natural disasters, man-made calamities and more.
Reliance Comprehensive Car Insurance
● Provides coverage for own car damages and third-party liabilities and includes a personal accident cover
● Customisable with a wide range of optional covers
Reliance Limit Sure-Pay-As-You-Drive Insurance
● Provides coverage based on the kilometres you are expected to drive in a year
● Premium is based on this kilometre of distance
● The kilometres can be increased or carried forward to the next year
Key Features and Benefits
Details
Affordable Premiums
Our car insurance plans start at ₹238/Month*
Purchase Process
Online
Discounts
Up to 90% for online purchases
Paperwork
Minimal to Zero
Add-Ons
Over 18 optional add-ons for non-electric and electric cars
Network of Garages for Cashless Repairs
Over 10,000 across India
Personal Accident Cover
Available up to ₹15 lakhs for owner-driver
Claims Survey
Within 48 hours of claim intimation
Mobile Application
Reliance Self-i App - Renew car insurance, inform claims, have live video calls, find cashless garages and more.
Claim Settlement Ratio
100% for the FY 2023-24
Customer Support
Available 24x7
The best and simplest method to determine the premium for your car insurance is to use our car insurance premium calculator online.
Step 1: Provide your personal details and car’s registration number and click on ‘Check Prices’.
Step 2: Verify your car details and go through the different car insurance plans and optional covers.
Step 3: Based on your choices, the premium quote will be displayed.
You can modify your choices to determine the most appropriate and affordable car insurance policy for your specific needs.
The premium for third-party car insurance plans is decided by the Insurance Regulatory and Development Authority of India (IRDAI). It is declared every year and is based on the car’s engine cubic capacity.
The current premium rates are as follows:
Cubic Capacity
Premium for One Year (in ₹)
Within 1000 cc
2,094
Above 1000 cc up to 1500 cc
3,416
More than 1500 cc
7,897
Battery Capacity (kW)
Within 30 kW
1,780
Above 30 kW up to 65 kW
2,904
More than 65 kW
6,712
Inclusions
Exclusions
Coverage for third-party property damages, injuries and death
Depreciation, Regular Wear and Tear
Coverage for repair or replacement of car components due to road accidents
Pre-existing damages
Damages incurred to your car due to:
● Fire, explosion, or self-ignition
● Theft (Total loss covered up to the IDV)
● Natural disasters, such as floods, hailstorms, earthquakes, etc.
● Man-made calamities, such as terrorism, vandalism, riots, etc.
● Transportation via railways, roadways or waterways
● Animal attacks, such as rat bites
Damages incurred to your car while/due to:
● Driving beyond the stated geographical limits or restricted areas
● Wars, such as civil or nuclear wars
● Participating in illegal races
● Driving under the influence of drugs or alcohol
● Driver’s negligence
● Driving without valid documents, such as driving licence, registration certificate, etc.
Damages caused to electrical components
For Enhanced and Cost-Effective Coverage
● Nil Depreciation
● Pay-As-You-Drive
● 24x7 Roadside Assistance
● Return-to-Invoice Cover
● EMI Protection Cover
● NCB Retention Cover
● Total Cover
For Enhanced Coverage for Cars Parts and Consumables
● Engine Protection Cover
● Tyre Protection Cover
● Consumables Expenses
● RIM Protection
For Additional Benefits
● Loss of Personal Belongings
● Geo Extension
● Emergency Hotel Accommodation
● Electrical Accessories
● Non-Electrical Accessories
● Daily Allowance Benefit
● Key Replacement Cover
For Electric Cars
● Electric Vehicle Battery Protection
● Electric Vehicle Charger
● Electric Motor Protect
Step 1: Visit our Car Insurance Online Enter your car’s registration number, mobile number, email ID and click on ‘View Prices’.
Step 2: Explore and compare the various car insurance policies and add-ons to find the most suitable policy.
Step 3: Click on ‘Buy Now’ and pay the applicable premium using your preferred payment method.
Step 1: Visit our Reliance Car Insurance Online Under the ‘Renewal Tab’, click on ‘Renew Car Insurance’.
Step 2: Provide your mobile number or policy number to renew your car insurance in Kolkata.
Step 3: Review existing coverage and modify it by enhancing the coverage or including optional covers. Pay the applicable premium using your preferred payment method.
Copy of your car’s registration certificate
Copy of your driving licence
Passport size photographs
Proof of Age, such as Birth Certificate, Aadhaar Card, Driving Licence, etc.
Proof of Address, such as an Aadhaar Card, Driving Licence, Passport, etc.
Proof of Address, such as Aadhaar Card, Ration Card, Passport, etc.
Consider your location, usage, car’s make and model, etc., to identify the type of car insurance plan and the extent of coverage required.
Compare the car insurance companies in Kolkata and their plans based on the features and benefits offered.
Check the optional covers offered to suit your specific needs and discounts that can lower premiums.
Review customer feedback to identify a reliable car insurance company in Kolkata.
Learn the claim procedure and research to find the claim settlement ratio to ensure smooth and reliable claim settlements.
Evaluate the insurer’s network of garages that offer cashless repairs across India.
The type of car insurance policy, whether third-party, own-damage, or comprehensive car insurance plan, significantly affects the premium rate.
The Insured Declared Value is your car’s current market value of depreciation. It is the maximum value that you can get from your car insurance policy. The higher the IDV, the higher the premium.
The key specifications, make, and model of your car also affect the premium for your car insurance. High-end models result in higher premiums.
Including optional covers increases the premium based on the type and extent of coverage chosen.
Other factors, such as your location in Kolkata, driving profile, claims history, and usage conditions, also significantly affect the premium for your car insurance in Kolkata.
Also Read: Reasons Why Electric Cars Insurance is Expensive
Step 1: Inform us about the car insurance claim within 24 hours of the insured event. You can use any of the following methods to inform us, and we will respond within 48 hours.
Paid helpline number - +91 22 48903009
Logging into ourReliance Self-i App
Step 2: Locate any of the cashless garages nearer to your location and take your car for the repair.
Step 3: Our surveyor will investigate the damages and proceed with the claim process. You can submit the supporting documents along with the claim form to our surveyor.
Step 4: After we confirm your claim approval, the repair work will start.
Step 5: We will settle the amount directly with the garage once the work is completed.
Step 1: Inform us about the insured event by contacting us within 24 hours using any of the methods discussed above.
Step 2: Take your car for repair to any authorised garage.
Step 3: Once the repair work is completed, pay for the applicable expenses and collect the bills and payment receipts.
Step 4: Submit these documents along with the claim form to us.
Step 5: We will review your claim request, investigate the documents and reimburse you for the applicable expenses.
You can check the status of your car insurance claim settlement online by entering your policy number or claim number.
Please Note: Coverage for uninsured parts, deductibles, and depreciation will not be provided unless it is included in the specific optional add-ons.
Your car insurance policy document
The claim form with complete details
First Information Report (FIR), in case of accident
Copy of your car’s Registration Certificate
Copy of your Driver’s Licence
Garage repair bills
Payment receipts
Medical bills in case of a Personal Accident Claim
Know more about the details and documents required to file a car insurance claim in Kolkata.
Reliance General Insurance offers over 10,000 garages across India to provide cashless repair services. In addition to offering cashless repairs, we ensure quality and timely delivery.
When you opt for a cashless garage, you just need to take your car for the repair services. We will directly settle the bills with the garage.
Use our garage locator to identify a garage that has partnered with us to offer cashless repairs.
Factors to Consider
Third-Party Car Insurance
Comprehensive Car Insurance
Coverage Applicable
For third-party injuries, death and property damages
For own car damages and third-party liabilities
Legal Compliance
Mandatory by law
Not mandatory by law
Applicability of Optional Covers
Not applicable
Flexible for customisation with a wide range of optional add-ons, such as Nil Depreciation, Roadside Assistance, Engine Protection Cover, etc.
Premium
Based on the engine’s cubic capacity and declared by IRDAI
Based on various factors, such as type of car insurance policy, make and model, Insured Declared Value, location, choice of add-ons, etc.
Optional
Inclusive
Recommended For
Individuals seeking basic coverage with a low premium, owning old cars and using them on rare occasions.
Individuals who own high-value cars, just purchased a new car, drive regularly in accident-prone zones, etc.
Be aware of the reversal of traffic direction (one-way and two-way) in Kolkata.
Adhere to the prescribed speed limits.
Stay alert and be considerate to pedestrians.
Make use of pay-and-park islands for parking on the road.
Always obey the traffic signals, signs and boards.
Avoid overspeeding, as the public transport system is often heavily congested.
Avoid sudden braking, especially on junctions.
Don’t use mobile phones while driving.
Don’t overload your car.
You can buy a car insurance for your second-hand car in Kolkata by using the following steps:
Gather the necessary documents, such as your car’s RC, Form 29 or Form 30 and take the necessary steps to transfer them to your name.
Purchase car insurance online, as discussed in the section above.
The best car insurance in Kolkata for your car largely depends on your personal circumstances. For instance, if you have an old car and use it less frequently, you can consider the basic and legally mandatory third-party car insurance.
On the other hand, if you own a luxury car and go on frequent long drives, purchasing comprehensive coverage is essential.
The cheapest car insurance is a third-party car insurance policy. However, it does not cover your own car damages. Therefore, you need to assess your requirements before choosing a car insurance policy.
Yes, insurance is mandatory for an old car in Kolkata. As per Indian laws, purchasing at least a third-party car insurance is mandatory for any car to operate on the roads.
Reliance General Insurance offers discounts for online purchases, for installing anti-theft devices, opting for voluntary deductibles and more for car insurance in Kolkata.
Disclaimer *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.
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).
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.
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. Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage, (UIN-IRDAN103RP0001V01201920) 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
Thanks for the information. Our Customer Care will get back to you.
