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Car insurance in Mumbai has become indispensable due to rising traffic congestion and an increasing number of vehicle owners in the city. It is a necessary financial tool that protects your savings from unforeseen accidents and injuries resulting from your vehicle.
Reliance car insurance in Mumbai is your #CarKaYaar that protects you and your vehicle from risks, including road accidents, natural calamities, man-made disasters, theft and more.
As per the Tomtom traffic report, Mumbai ranked 54 in the world in terms of traffic.
Mumbai suffered about 384 fatalities and 2,533 road accidents in 2023. This was a significant increase from 1,895 (34%) crashes and 371 (4%) fatalities in 2022.
Every car owner in Mumbai must have at least third-party car insurance with personal accident cover for the owner-driver. It is a compulsory requirement under the Motor Vehicles Act of India.
Car insurance protects you from hefty repair/replacement expenses resulting from a range of unforeseen damages to your car. From natural and man-made calamities to theft and road accidents, car insurance covers a broad range of uncertainties.
When your car is protected against potential financial loss, you can gain a higher peace of mind and enjoy a worry-free driving experience.
The car insurance price in Mumbai is calculated based on multiple factors such as its make and model, year of registration, type of coverage and more. You can use a car insurance premium calculator to estimate the cost of your insurance plan. Here are the steps:
Step 1: Open our car insurance premium calculator.
Step 2: Enter the specified details: name, mobile number, car make and model, registration year, etc.
Step 3: Click on “View Prices" to receive an instant quote.
Third-party damages, death and injuries.
Damages/loss to the insured car due to:
Theft
Natural disasters (floods, earthquakes, storms, cyclones, etc.)
Road accidents
Man-made damages due to riots, strikes, etc.
Damages occur during transit via air, road, rail, or waterways.
Personal accident coverage for the owner-driver.
Any add-on specific coverage.
Any accident due to driver's negligence.
Claims for contractual liabilities
Damage due to war or related emergencies.
Damage due to overuse of the insured vehicle.
Regular wear and tear.
Damages resulting from traffic violations – drunk driving, driving without a licence, racing, overspeeding, etc.
Any damage or loss outside India.
Step 1: Go to our website and open the car insurance tab.
Step 2: Enter the specified details and click “View Prices": your contact number, name and car details such as registration year, make and model, etc.
Step 3: You will receive a quote based on the entered information. Review it and select a suitable plan, if satisfied with the pricing.
Step 4: Customise your plan based on the requirements. You can also choose from various optional add-ons to enhance your coverage.
Step 5: Make the premium payment online.
Step 1: Open the Car Insurance Renewal tab on our website.
Step 2: Enter your contact number as well as your existing policy number.
Step 3: Review your plan and make any changes to the coverage if you want.
Step 4: Check the pricing and make the payment. Make sure to utilise your no-claims bonus and other discounts at the time of making premium payment.
Also Read: Guide to Upgrade your Car Insurance at the Time of Renewal
Proof of identity (such as passport, Aadhaar, voter ID, etc.)
Proof of Age (birth certificate, 10th mark sheet, etc.)
Proof of Address (utility bills, ration card, bank passbook, etc.)
PAN card (mandatory)
Driving licence
Copy of car's RC (registration certificate)
2-3 Recent passport-size photos.
Every car owner has different coverage needs due to different driving habits and risk exposure. Take enough time to assess your requirements and budget before searching for the best car insurance in Mumbai.
Choose the right policy type based on your coverage requirements. For example, if you already have third-party insurance, consider buying a standalone own-damage car insurance. However, if you are purchasing insurance for a brand-new car, comprehensive car insurance will be a better option.
Once you have finalised the right policy type, compare multiple plans based on features, premiums, inclusions, exclusions and so on. Make sure to shortlist the plans that align with your budget and coverage needs.
Customer reviews and testimonials offer detailed insight into the efficiency and reliability of the insurance company. At Reliance General Insurance, we have earned a rating of 4.9/5, which clearly reflects our services.
Go through the policy documents and carefully review the terms and conditions of your policy. This is to prevent any confusion and coverage-related concerns with your chosen car insurance policy.
IDV is the amount your car insurer will pay in case of total loss or damage to your car. This value is calculated based on the current market value of the vehicle. If you select a higher IDV, your premium will also be higher. However, it will also ensure a higher claim limit in case of total loss.
The age of the car also impacts the car insurance premiums in Mumbai. In general, new cars attract higher premium rates than older and second-hand cars. This is because of the high risk of exposure and repair costs associated with newer vehicles.
The cost of car insurance in Mumbai also varies depending on the make and model of the vehicle. High-end models and luxury vehicles attract higher premium rates than regular and economy cars.
Car insurance premium rates also vary based on deductibles. These are the out-of-pocket expenses you pay before your insurance plan comes into play. Note that the higher the deductibles, the lower your premium rates will be and vice versa.
NCB discounts can also influence your car insurance premium price in Mumbai. These are offered as rewards for not filing any claim during the policy year. With Reliance car insurance plans, you can get up to 50% NCB discount on your premiums.
Also Read: Complete Guide to Cutting Down Car Insurance Premiums
Step 1: Inform our claims department within 24 hours of the event. For this:
Use our Reliance Self-i app.
Call us on +91-22-4896-3009
Send us an email.
Step 2: After your claim has been registered, our surveyor will visit your location to carry our vehicle inspection within 48 hours.
Step 3: Once your claim has been approved, take your car to the nearest Reliance network garage for necessary repairs.
Step 4: Once the repair work is completed, we will settle your bills directly at your chosen garage in Mumbai.
Step 1: Register your claim using the same methods mentioned above.
Step 2: Collect all the supporting evidence of the incident you have suffered. This includes photos and videos of damage, CCTV footage, FIR or medical reports, etc.
Step 3: Get your car repaired at any non-network garage of your choice. Once done, clear all the bills and collect the payment receipts.
Step 4: Submit the original payment receipts along with the motor claims form and other documents.
Step 5: Our claims department will review the documents and reimburse you based on the agreed terms.
Complete and sign the motor claims form.
Policy papers
Original receipts of repair expenses
NoC from financer
Garage details
FIR (if applicable)
Post-mortem report (if applicable)
Death certificate (if applicable)
Other case-specific documents
Here is a full list of car insurance claim documents required for specific claims.
Cashless network garages are the trusted auto-repair facilities that have tie-ups with your insurance company.
If your vehicle is damaged due to a covered incident, you can get it repaired at our network garages cashlessly. Simply put, you don't have to pay any repair expenses; we settle them directly at your chosen network garage.
At Reliance General Insurance, we have a broad network of more than 10,000 network garages located all across the country. From fast repairs to high-quality auto-part replacement, you can avail yourself of high-quality services from our trained professionals.
*You have to pay for the select deductibles/co-payment (if any) and any additional repair or maintenance work required beyond the covered damages.
Always follow traffic lights and other signs.
Carry all necessary documents, including your driving licence, RC, insurance certificate, PUC, etc.
Drive in your lane and use indicators before changing it.
Maintain a safe distance from other vehicles.
Offer a way to pedestrians, especially children and the elderly.
Wear seatbelts.
Don't jump traffic signals.
Don't honk unnecessarily.
Don't drive in a drunken or intoxicated condition.
Don't block the way of ambulances and other emergency vehicles.
Don't overload your vehicle.
Don't use your phone or any other handheld device when driving.
Don't park your car in the no-parking zones.
To buy car insurance in Mumbai for a second-hand car, you can:
Have the pre-existing car policy transferred to your name from the previous owner.
If the car isn't insured, you can have your car inspected by our team of experts, collect the needed documents (forms 29 and 30, ownership transfer proof, etc.) and visit our car insurance page to buy a new policy.
Yes. You can buy online car insurance in Mumbai at Reliance General Insurance. We have a simple and quick car insurance purchase/renewal process. You can also buy the desired car insurance policy online through Reliance Self-i app.
The best insurance for your car depends on your coverage needs and budget. If you already have third-party insurance, then a standalone own damage insurance is the right choice for you.
However, if you are purchasing insurance for a brand-new car, consider having a comprehensive car insurance plan from the best car insurance company in Mumbai. This way, you don't have to purchase two separate car insurance policies.
The cost of car insurance in Mumbai is not the same for every car. It is calculated based on factors like type of plan, make and model of car, IDV, registration year and more. You can use our car insurance premium calculator to get an idea about the premium cost.
You can get the cheapest car insurance in Mumbai at Reliance General Insurance. The starting price of our car insurance plans in Mumbai is just ₹238 per month. For more information, get in touch with our team.
Yes. Car insurance is compulsory in Mumbai regardless of whether it is brand new or second-hand.
According to the Indian Motor Vehicles Act, having at least third-party car insurance is compulsory for every car owner. Failure to meet this traffic requirement can lead to heavy fines and legal consequences.
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.
Customer Count: 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.
Claim settlement ratio: 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.
Premium: 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).
Discount: 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.
If you own a vehicle, you probably have motor insurance too. In fact, car insurance is now compulsory in India, after a recent amendment to the Motor Vehicle Act. Car insurance is necessary on so many levels. It not only protects you financially from accidents but also covers natural disasters, theft, and burglary too. But before you jump the gun, think about what you want from your car insurance policy. You can now purchase car insurance policy online too.
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