Car Insurance in Ludhiana

​Being the largest, most populous city in Punjab, Ludhiana experiences its fair share of road accidents. Hence, car insurance is crucial for all car owners due to the city's growing vehicle population and dense traffic conditions.

Reliance General Insurance offers tailored policies to safeguard your vehicle against unforeseen events and accidents common on Ludhiana's busy streets.

Traffic Statistics for Ludhiana

Ludhiana, one of Punjab's leading industrial cities, has been a subject of serious concern regarding traffic problems or, in other words, traffic-related mishaps. According to the latest data, it is one of the ten districts in Punjab where the majority of road accident deaths occur. Together, Ludhiana, Amritsar and Jalandhar contributed only of the total figures in the year 2022.

Some attempts have been made to solve these problems. For instance, Ludhiana is also part of the state-wide program for mapping in accidents using the Mappls App. This system informs drivers of high-risk areas in their driving to enable them to reduce accidents on the roads.

On the issue of traffic conditions, Ludhiana is plagued by problems like traffic congestion, which tends to increase, especially during rush hour, due to the increase in the number of registered vehicles within the region. The state of Punjab recorded more than one lakh seventy-five thousand deaths in the year 2013.

Thirty-three crore vehicles by 2023, with a 7% growth rate every year, said Nitin Gadkari at the ET GBS 2020 event—annual growth of the registered motor vehicles ‎touching 44%.

Why Should You Buy Car Insurance in Ludhiana?

The enrollment of vehicles and the customary incidence of traffic mishaps in Ludhiana make car insurance compulsory. That is why Reliance General Insurance offers great services and insurance to safeguard a car from damages, theft and third-party risks, given that Ludhiana is a fast-growing city with increased car usage.

Reliance Car Insurance Plans in Ludhiana

Reliance Third-Party Car Insurance	Reliance Own-Damage Car Insurance	Reliance Comprehensive Car Insurance	Reliance Pay-As-You-Drive Insurance
● Covers damage and injury caused by your car to another person or their property. ● Compulsory for all car owners and is an affordable car insurance in Ludhiana	● Cover damages caused to your car only. ● Also covers theft and natural and manmade calamities. ● Does not cover third-party damage.	● Includes third-party and own damage coverage under one plan. ● Also covers theft and natural and manmade calamities.	● Adjusts your premium rates based on kilometres driven ● Up to 90% savings on premiums. ● Offered as an add-on with own damage and comprehensive plans.

Key Features and Benefits of Reliance Best Car Insurance in Ludhiana

Highlights	Benefits
Super Affordable Premiums	Starting at ₹238/month*
Easy Online Management	Buy, renew and claim Reliance car insurance on our website or the Relaince Self-i app
Online Claim Processes	Simple claim submission through our website and Reliance Self-i App.
Paperwork	Minimal documentation required
Discounts	Save up to 90%* on online car insurance purchases
Network Garages	Extensive network of 10,000+ garages
Cashless Services	Available
Personal Accident Cover	Available as a built-in cover
Add-Ons	Over 10+ add-ons to choose from, plus EV-specific add-ons for electric cars

Reliance Car Insurance Price in Ludhiana

Reliance Car Insurance Price in Ludhiana

To check your car insurance rates in Ludhiana, you can use the Reliance car insurance premium calculator. Here’s how you can use it to compare car insurance quotes:

Step 1	Step 2	Step 3
Enter your car registration number and other details. Click on ’Check Our Prices’	Provide all the necessary details	Check the displayed car insurance price list

You can further modify the coverage and input details to find the most budget-friendly car insurance in Ludhiana for you.

Third-Party Car Insurance Premium Rates in Ludhiana

Like other third-party car insurance rates across India, the tariffs in Ludhiana are systemised by the IRDAI (Insurance Regulatory and Development Authority of India). These are standard across the country and depend on the carrying capacity of the car engine. As per the latest guidelines from IRDAI, the rates for 2023-2024 are as follows:

Third-Party Car Insurance Premium Rates for Private Cars:

Engine Capacity	Premium for One Year (in ₹)
Cars With Engine Capacity Up to 1000cc	₹2,094
Cars With Engine Capacity Up to 1000cc	₹3,416
Cars With Engine Capacity Between 1000cc and 1500cc	₹7,897

Note: These rates are the third-party comprehensive rates, which include third-party property and third-party bodily injury or death only and exclude the vehicle being insured.

Third-Party Car Insurance Premium Rates for Electric Cars:

Battery Capacity	Premium for One Year (in ₹)
Cars With Battery Capacity Up to 30 kW	₹1,780
Cars With Battery Capacity Above 30 kW Up to 65 kW	₹2,904
Cars With Battery Capacity Above 65 kW	₹6,712

Note: In India, the offers a 15% discount on third-party car insurance premiums for electric vehicles and a 7.5% discount for hybrid vehicles.

Inclusions and Exclusions of Reliance Car Insurance Policy in Ludhiana

Inclusions:

• Coverage for third-party liabilities.
• Damage to own vehicle due to accidents, fire, and natural disasters.
• Theft and vandalism.
• Personal Accident Cover: Medical/hospital costs of owner-driver for car accident injuries and/or death.

Exclusions:

• Damages from illegal activities.
  
• Wear and tear.
• Damage due to driving under the influence.
• Any car repairs for damage that happened outside of India

Reliance Car Insurance Add-On Covers in Ludhiana

Reliance General Insurance offers several add-on covers, including:

• Nil Depreciation Cover: Full claim without depreciation deductions.
• Roadside Assistance: Emergency help in case of breakdowns.
• Engine Protection Cover: Coverage for engine-related damages.
• Return-to-Invoice Cover: Pays original invoice amount of car for total loss.
• Engine Protection Cover: Covers car engine damage.
• Total Cover: Covers full-on road price of the car for total loss.
• NCB Retention Cover: Protects NCB discount up to 2 claims.
• EMI Protection Cover: Covers up to 3 EMI payments.
• Daily Allowance Benefit: Offered fixed payout for alternative transport.
• Key Replacement Cover: Covers key and lock replacement costs.
• Tyre Protection Cover: Covers replacement and repair of car tyres.
• RIM Protection: Covers replacement and repair of rims.
• Loss of Personal Belongings: Covers theft of laptops, mobile, etc., from the car.
• Consumables Expenses: Cover replacement costs of consumables - water, oil, nuts and bolts, etc., after an accident.
• Geo Extension: Extends car insurance coverage to other countries.
• Electrical Accessories: Covers damage and theft of customs electrical fittings like audio systems.
• Emergency Hotel Accommodation: Covers the cost of hotel accommodations for breakdowns farther than 200km from your house.
• Non-Electrical Accessories: Covers damage and theft of customs non-electrical fittings like alloy wheels.

How Can You Buy and Renew Reliance Car Insurance in Ludhiana?

Online Buying Process

• Visit the Reliance General Insurance website and enter the required details.
• Compare plans and get a quote.
• Complete the purchase with minimal documentation.

Online Renewal Process

• Log in to your account on the Reliance website.
• Review your current policy and renew online.
  
• Make the payment and receive your renewed policy instantly.

Documents Required

• Vehicle registration certificate.
• Previous insurance details.
• Age and identity KYC - any government ID like Aadhar, passport, etc.
• Driving licence.

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

The kind of policy you choose depends on the age of your vehicle, its usage and the coverage required.

• Check the insurer’s claims process. This ensures your claims are settled promptly and in a way that allows you to easily navigate their claims process when the time comes. Check their customer support services as well.
• Check the insurer’s reputation --look into CSRs, solvency ratios, and customer reviews and check whether they are listed as a general insurer on the IRDAI’s website.
• Check if the insurer you choose has network garages in Ludhiana or near your place of residence.
• Compare different plans -- compare prices and policy coverage to ensure you make an informed decision.
• It’s always recommended to go for online insurers for easy access to plans and services. Online plans also offer more discounts and are generally cheaper.

Reliance General Insurance has designed various policies for customers depending on their needs to ensure that they get the right insurance coverage at reasonable charges. Check the options available on our website and choose the policy that may be preferable for you.

Factors Affecting Car Insurance Premiums in Ludhiana

Car insurance premiums in Ludhiana are influenced by factors such as:

• Vehicle age and make.
• Driving history and claims record.
• Location-specific risks and traffic conditions.
• Car insurance policy type.
• The car’s Insured Declared Value (IDV)

How Do You File a Reliance Car Insurance Claim in Ludhiana?

Cashless Claims

• Report the claim online or through the customer service helpline.
• Visit a network garage for repairs.
• We will send a surveyor to assess the extent of damage and to estimate repair costs.
• Upon approval of the surveyor's report, you can proceed with repairs.
• We will settle the bill directly with the garage.

*Please Note: You have to pay for uninsured parts, deductibles and/or depreciation in case your policy does not offer coverage.

Reimbursement Claims

• Contact us and inform us of the incident as soon as possible.
• Submit the claim form along with repair bills and necessary documents.
• Upon approval, we will pay you the reimbursement amount.

You can easily track your car insurance claim status online on our website with your claim or policy number.

*For reimbursement claims, you need to pay the bills upfront and get reimbursed later.

Documents Required

• Claim form.
  
• Forms 28, 29 and 30 signed by the insured (for admission of liability)
• Vehicle repair bills.
• FIR (if applicable).
• NOC of the financer (if applicable)
• Garage name (with contact details)
• Driver’s licence

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

Cashless Network Garages for Car Insurance in Ludhiana

A cashless or a network garage has a direct working relationship with your insurance company through which you can take your car for repairs without paying for the bills upfront, i.e., The insurer pays the garage directly.

Cashless garages are useful because they mechanise the claims process and make certain that professional mechanics do repairs. If you are looking for a Reliance cashless garage in Ludhiana, use our garage locator tool to find one.

Third-Party Vs Comprehensive Plans

Third-Party Plans

• Covers liabilities for damages to other vehicles or property.
• Legal requirement for vehicle registration.

Comprehensive Plans

• Includes third-party cover plus own vehicle damage.
• Offers wider protection against theft, natural disasters and accidents.

Traffic Do’s and Don’ts in Ludhiana

Dos

• Adhere to traffic signals
• Maintain speed limits
• Wear seatbelts

Don’ts

• Avoid using mobile phones while driving
  
• Do not drink and drive

Frequently Asked Questions

1. How can I get second-hand car insurance in Ludhiana?

   Contact Reliance General Insurance to get a policy for pre-owned vehicles. Make sure you have all the necessary documents with you - Forms 29 and 30 (signed by the previous owner) and the RC transfer proof.
   

2. How do I download a copy of my car insurance policy in Ludhiana?

   Log in to your Reliance account and download the policy document. Alternatively, you can also use our self-help service to download your policy from our website.

3. How should I transfer the NCB to my new vehicle?

   Provide your NCB certificate to Reliance General Insurance during policy transfer.

4. What is the fine for not having car insurance in Ludhiana?

   If you are caught driving without car insurance in Ludhiana, you can be fined ₹2,000 - ₹4,000 or imprisoned for up to 3 months, depending on the severity of your crimes.

5. Do I need to buy car insurance in Ludhiana from the showroom?

   No, you can also purchase car insurance directly from Reliance General Insurance or through authorised agents.​