Car Insurance in Mysore

Mysore, renowned for its finest silks and historical artefacts, is a popular tourist attraction. While this is great for the city’s thriving tourism industry, it also means more cars on city roads. This means more accidents despite the city’s best efforts to curb these instances.

Hence, car insurance is essential in Mysore for both city residents and those visiting. With Reliance General Insurance, getting car insurance in Mysore is now easier than ever. By partnering with us, you can enjoy quick claims, online renewals, up to 80% discounts and more!

Stats About Mysore Traffic

• About of people use a car as their means of transportation to work and school in Mysore and face a 78.31 traffic index.
• In 2023, the Bengaluru-Mysore National Highway witnessed , 100 fatalities and 301 injuries from January to May, 2023. This number has been reduced to 125 accidents in 2024, but it is still something to take note of.
• As of January to March 2024, Mysore has witnessed , with the city registering 40 deaths.
• As of 2023, Mysore district recorded
• Mysore, along with 14 other districts, accounted for of the total accidents in Karnataka.

Why Should You Buy Car Insurance in Mysore?

• High Traffic Congestion: Mysore traffic has always been tiring, especially around tourist places like Chamundi Hills and Mysore Palace.
• Violations: Risky driving is still a serious point to consider, with over 1 lakh vehicles getting flagged in August 2024.
• Road Conditions: Roads of Mysore are generally well maintained, but a light downpour can lead to potholes and waterlogging, which can cause damage to car engines.
• Compliance With Law: A car owner in Mysore must have third-party car insurance to avoid heavy traffic fines.

Types of Reliance Car Insurance in Mysore

Third-Party Car Insurance

• This policy will cover you for accidents involving your car where you’ve caused damage or injury to another person, their car or property. Instead of you, we pay for their repair costs.
• This is the cheapest type of car insurance in Mysore you can get from us. Third-party coverage is also mandatory for all car owners in Mysore.

Standalone Own Damage Policy

• This will cover your car repair costs from damage caused by accidents, fire, theft and natural calamities.
• This can be bought with a third-party car insurance plan, and it also offers additional coverage through add-on covers.

Comprehensive Car Insurance

• Offers third-party and own damage coverage under one plan. Recommended for new car owners.
• Lets you increase your coverage scope through add-on covers like engine protection, roadside assistance, nil depreciation, etc.

Pay As You Drive Insurance

• Reliance Pay As You Drive insurance cover adjusts your premium based on how many kilometres you’ve driven within a year, i.e., You drive less, you pay less.
• Offers up to 90% savings on premiums and is recommended for occasional drivers who do not want to pay a flat rate.

Zero Depreciation Car Insurance

• This is a comprehensive plan bundled with a zero or nil depreciation add-on cover.
• You will receive the total cost of replacing or repairing car parts, including depreciation during claims.

How to Choose the Best Car Insurance Policy in Mysore

• Identify Your Needs: Assess the type of policy and coverage benefits you need based on your car usage and driving habits.
• Compare and Contrast: Shortlist and compare different car insurance policies in Mysore from different providers. You can do this through aggregator sites. If you’ve chosen us, you can easily compare Reliance car insurance plans on our website.
• Check Coverage: Carefully study the inclusion and exclusion section of the policy. Pay special attention to events that will not be covered so that you can be more vigilant.
• Check Add-Ons: Do not miss optional add-ons like roadside assistance and zero depreciation cover.
• Check Network Garages: Check if your chosen insurer offers network garages near your residence in Mysore. At Reliance General Insurance, we offer over 10,000+ network garages across India.

Th​ird-Party Vs Comprehensive Plans

Key Features and Benefits of Reliance Car Insurance in Mysore

Inclusions and Exclusions of Reliance Car Insurance Policy in Mysore

Inclusions

• Accidents and Collisions: Cost of car repairs from road accidents and collisions.
• Damage or Injury to Third-Party Person(s): Covers damage or injury caused to another person or their car/property by your car.
• Theft of Your Car: Insurance pays out the full IDV amount of your car if it gets stolen and can not be found.
• Natural Disaster: Damage from earthquakes, storms and floods is covered.
• Fire and Explosions: Damage caused by fire either from external sources or internal faults.
• Animal Attacks: Damage from animal attacks like rat bites.
• In-Transit Damage: Damage from transporting your car via air, rail, road or sea.
• Personal Injury of Owner-Driver: Hospital costs for injuries caused by accidents are covered up to ₹15 Lakhs.
• Man-Made Disaster: Damage from riots, strikes, malicious acts and terrorism.

Exclusions

• Depreciation and Regular & Tear: Decrease in car part’s value, ageing of parts and damage from regular usage are not covered.
• Mechanical Breakdowns: Damage from electrical and mechanical breakdowns.
• Electrical damage: Damage caused due to electrical components failure.
• Driver Negligence: Damage caused by reckless driving or breaking of traffic rules.
• Breaking Traffic Laws: Car repairs from drunk driving, driving without a licence, illegal racing, or from breaking any other traffic laws are not covered.
• Pre-Existing Damage: Damages that were already present before you bought the policy will not be covered.
• Driving Outside India: Damage from accidents outside India’s boundaries is not covered.

Reliance Car Insurance Add-On Covers in Mysore

At Reliance General Insurance, we also offer EV-specific add-ons in Mysore for electric or hybrid car owners, ensuring their EVs get specialised coverage.

How to Buy and Renew Reliance Car Insurance in Mysore

Steps to Buy Reliance Car Insurance Mysore Online

• Step 1: Open our Car Insurance
• Step 2: Enter your vehicle and personal details: car registration number, mobile number, etc.
• Step 3: Review the quote you have received. If satisfied, select a suitable car insurance plan based on your requirements.
• Step 4: Select any add-ons, if required. Also, add a few other details to the final purchase.
• Step 5: Pay the specified premium amount to lock in your policy purchase.

Steps to Renew Your Reliance Car Insurance Mysore Online

• Step 1: Visit our Car Insurance Renewal
• Step 2: Enter the required details: policy number, mobile number, etc.
• Step 3: Review and adjust the plan based on your requirements.
• Step 4: Verify the premium and make the payment. Don't forget to apply any discounts like NCB at the time of making the premium payment.

Also Read: Guide to Upgrade your Car Insurance at the Time of Renewal

Documents Required for Buying or Renewing Our Plans

• Identity Proof (passport, Aadhaar, voter ID, etc.)
• Address Proof (electricity bill, rental agreement, bank passbook, etc. )
• Age proof (birth certificate, voter ID, etc. )
• PAN Card
• Driving licence
• Copy of car's registration certificate (RC)
• Car details (make, model, registration year, manufacturer, etc. )
• Passport-size photographs.

Reliance Car Insurance Price in Mysore

Calculating Your Reliance Car Insurance Price in Mysore

Use our car insurance premium calculator online to estimate the cost of your car insurance in Mysore. Here are the simple steps to do so:

Step 1: Enter your car details (make and model, registration year, etc.) along with your contact details and hit “ View Prices”.

Step 2: Review the quote you have received.

Step 3: Make a purchase decision based on the quote and requirements.

Third-Party Car Insurance Price in Mysore for Private Cars

Third-Party Car Insurance Price List in Mysore for Electric Cars

Factors Affecting Car Insurance Premiums in Mysore

Car's Age

Generally, newer cars in Mysore attract higher premium rates than older vehicles.

Make and Model

High-end and luxury cars attract higher premiums because of higher repair and replacement costs.

Insured Declared Value (IDV)

It refers to the maximum amount you can claim in case of total loss of your car. IDV is calculated based on the current market price of your vehicle. If the IDV is higher, premiums will be higher, and vice-versa.

Type of Plan

The type of car insurance policy in Mysore also impacts the premium cost. In general, comprehensive car insurance comes at higher premiums due to extensive coverage than third-party and own damage plans.

No-Claims Bonus

NCB discounts are offered for each claim-free year of your car insurance policy. You can get up to a 50% discount on your premium using these points.

Also Read: Complete Guide to Cutting Down Car Insurance Premiums

How to File a Reliance Car Insurance Claim in Mysore?

Steps to File Cashless Claims

• Step 1: Register your claim immediately (or within 24 hours) after the covered incident. Here is how:
  • Call us on +91-22-4896-3009
  • Drop us an email.
  • Use our Reliance Self-i
• Step 2: Our surveyor will conduct an inspection within 48 hours.
• Step 3: Once your claim is approved, visit your nearest network garage for necessary repairs.
• Step 4: After the repairs are completed, we settle your expenses directly at the garages. You don't have to pay anything except for the chosen deductibles and additional maintenance work.

Steps to File a Reimbursement Claim

• Step 1: Register your claim using any of the methods mentioned above.
• Step 2: Document the incident and gather the supporting evidence in the form of photos, videos, CCTV clips, FIR, etc.
• Step 3: Take your car to any non-network garage for repairs.
• Step 4: Once repairs are completed, pay the expenses and collect all the receipts and bills.
• Step 5: Submit the original bills along with other documents for reimbursement.

Documents Required for Car Insurance Claim Process

• Motor claims form (signed and filled)
• Policy document
• NoC from the financer
• Original bills and payment receipts
• Copy of vehicle RC and driving licence
• FIR (if applicable)
• Death certificate/post-mortem report (if applicable)
• Garage details

Check out the full list of car insurance claim documents required at Reliance General Insurance.

Cashless Network Garages for Car Insurance in Mysore

Network garages are registered auto-repair facilities that have tie-ups with insurance companies. After meeting a covered event, you can take your vehicle to these facilities for necessary repairs/replacement in a cashless manner.

At Reliance General Insurance, we have a strong network of over 10,000 garages located all across India, including Mysore. At these facilities, you can get your damaged vehicle repaired cashlessly. Once all the repairs are done, we settle your expenses directly at the chosen garage.

This way, you don't have to make last-minute money arrangements after suffering damages/loss of your vehicle.

Here are some other perks of choosing Reliance Network Garages:

• Experienced and trained mechanics.
• High-quality and trusted services.
• Authentic auto-part replacement.
• Quick and seamless cashless settlement.
• Easily accessible.

Traffic Do's and Don'ts in Mysore

Do’s

• Always drive within the specified limits.
• Carry all the necessary documents when driving on public roads.
• Always park your vehicle in the designated parking areas.
• Wear seatbelts and maintain the vehicle's given loading capacity.
• Follow road signs and safety rules laid by the Mysore traffic department.

Don’ts

• Do not use your mobile phone or any other handheld device when driving.
• Do not indulge in overspeeding and race trails.
• Don’t drive in a drunken/intoxicated state.
• Don’t be disrespectful towards traffic officers.
• Do not drive without a driving licence, car insurance and other mandatory documents.

Frequently Asked Questions

• Can I purchase car insurance in Mysore for a second-hand car?

  Yes. At Reliance General Insurance, you can buy a suitable car insurance policy for your second-hand or used vehicle.

• What is the cost of car insurance in Mysore?

  The cost of car insurance in Mysore is calculated based on multiple factors such as make and model of your vehicle, year of registration and IDV among other factors. You can use our car insurance premium calculator to estimate the cost of your car insurance in Mysore.

• Does car insurance in Mysore cover car theft?

  Yes. Reliance car insurance in Mysore covers theft of the insured car. With our policy, you can claim up to the current market price of your stolen car.

• Is car insurance mandatory in Mysore?

  Yes. According to the Motor Vehicles Act, having at least third-party car insurance is compulsory for every car owner in India, not just in Mysore. Note that any failure to present a car insurance certificate when asked can lead to heavy fines and penalties.

• Should I buy comprehensive or third-party car insurance in Mysore?

  While third-party car insurance is mandatory in Mysore, it does not offer coverage for the damages/losses suffered by your car. Hence, it is highly recommended to invest in a comprehensive car insurance policy that covers third-party damages as well as your own incurred damages to your vehicle.