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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.
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 11.3% 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 784 black spots 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%.
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 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.
● 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.
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
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.
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:
Engine Capacity
Premium for One Year (in ₹)
Cars With Engine Capacity Up to 1000cc
₹2,094
₹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.
Battery Capacity
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 IRDAI offers a 15% discount on third-party car insurance premiums for electric vehicles and a 7.5% discount for hybrid vehicles.
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.
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 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.
Visit the Reliance General Insurance website and enter the required details.
Compare plans and get a quote.
Complete the purchase with minimal documentation.
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.
Vehicle registration certificate.
Previous insurance details.
Age and identity KYC - any government ID like Aadhar, passport, etc.
Driving licence.
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.
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)
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.
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.
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.
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.
Covers liabilities for damages to other vehicles or property.
Legal requirement for vehicle registration.
Includes third-party cover plus own vehicle damage.
Offers wider protection against theft, natural disasters and accidents.
Adhere to traffic signals
Maintain speed limits
Wear seatbelts
Avoid using mobile phones while driving
Do not drink and drive
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.
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.
Provide your NCB certificate to Reliance General Insurance during policy transfer.
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.
No, you can also purchase car insurance directly from Reliance General Insurance or through authorised agents.
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 total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
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.
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