Car Insurance in Punjab

​Punjab is known for its cultural richness, the magnificent Golden Temple and agricultural dominance. It is also known for its bustling cities, extensive road networks and an increasing number of vehicles.

Thus, Reliance General Insurance’s car insurance in Punjab is crucial for protecting cars from unexpected risks and promoting the Punjab government’s ‘Vision Zero’ campaign.

Our comprehensive car insurance plans safeguard your cars from collisions, theft and weather-related damages. With us, you can be better prepared for any unforeseen incidents on Punjab’s busy roads:

Traffic Stats in Pun​jab

• In 2023, road fatalities in the st​ate increased by 18%. It is a worrying trend caused by reckless driving and speeding on major highways and urban roads.
• Approximately 4,100 road accidents were reported in 2023 that caused over 2,300 fatalities.
• The Punjab government has initiated multiple road safety campaigns, such as the Sadak Surakhiya Force.

Why Should You Buy ​​a Car Insurance Policy in Punjab?

Increasing Congestion

Cities like Ludhiana, Amritsar and Jalandhar experience heavy traffic and congestion. This increases the risk of collisions and the need for third-party car insurance and own-damage car insurance.

Coverage for Legal Liabilities

Collisions can cause significant financial losses resulting from the resolution of any third-party liabilities. Our third-party car insurance protects you from such legal requirements, saving you money and time.

Compliance with the Legal Mandate

Like in every Indian state, Punjab legally requires every vehicle owner to have at least third-party insurance. Failure to do so results in a penalty of ₹2000.

Protection from Accidents

Travelling via routes like the NH-44 highway can be risky, especially through the winter fogs. It exposes you to potential risks of accidents and heavy damage to your car. However, car insurance provides financial protection against such damages.

Peace of Mind

Once you know that your car and your finances are protected against multiple perils, you can drive your car in Punjab with peace of mind.

Reliance Car Insurance Plan​​s in Punjab

Reliance Third-Party Car Insurance	Reliance Own-Damage Car Insurance	Reliance Comprehensive Car Insurance	Reliance Limit Sure Pay-As-You-Drive Insurance
● Covers damages and liabilities to third parties in accidents involving your car. ● Legally required under the Motor Vehicles Act ● Doesn’t cover your own car’s damages.	● Covers damages to your car from accidents, theft or natural disasters. ● Offers protection for your vehicle only ● Doesn’t include third-party damages.	● Combines third-party and own-damage coverage for full protection. ● Offers Personal Accident Cover. ● Includes multiple add-ons for customisation.	● Premium is based on how many kilometres you drive ● Cost-effective for low-mileage users. ● Allows you to buy extra kilometres or carry forward unused kilometres.

Key Features and Benefits of Reli​​ance Car Insurance in Punjab

Key Features	Benefits
Online Processes	Easy and quick online buying, claiming and renewal processes.
Affordable Car Insurance Premiums	Competitive prices starting at ₹238/Month*
Paperwork	Minimal to Zero
Network Garages	Wide network of 10,000+ cashless garages
Personal Accident Cover	Available for up to ₹15 lakhs for the owner-driver
Add-Ons	10+ add-ons available, such as engine protection, key protection, pay-as-you-drive, etc.
Attractive Discounts	Up to 90% discount on premiums for online purchases.
No-Claim Bonus	Up to 50% discount on premium prices for five consecutive claim-free years.
Quick Claim Survey	Assured prompt response within 48 hours to claim request
Video Claims	Transparent video claims facility for seamless claim settlement
High Claim-Settlement Ratio	100% claim settlement ratio*
24x7 Expert Assistance	A dedicated customer support team to guide you throughout the processes.

Reliance Car Insurance Price in Pu​njab

Reliance Car Insurance Price in Punjab

You can use our online car insurance premium calculator to determine the cost of your insurance:

Step 1: Input your car registration number and personal details. Click on ’Check Our Prices’.

Step 2: Provide all the necessary details.

Step 3: Check the displayed car insurance price list.

You can modify the coverage and find the most budget-friendly car insurance in Punjab for you.

Third-Party Car Insurance Price in Punjab for Private Cars

Engine Capacity	Premium for One Year (in ₹)
Up to 1000 cc	2,094
Above 1000 cc up to 1500 cc	3,416
Above 1500 cc	7,897

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

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

Inclusions and Exclusions of Reli​​ance Car Insurance Policy in Punjab

Inclusions

• Damage to third-party vehicle or property
• Damage to your own vehicle caused by:
  • Fire, explosion, self-ignition or lightning
  • Total damage/theft due to accident
  • Burglary, housebreaking or theft
  • Floods, hailstorms, typhoons, hurricanes, tempests, storms, earthquakes, frosts, cyclones or any other natural calamities
  • Terrorist activity
  • Riots, strikes or vandalism
  • Accident
  • Damage during transit
• Personal Accident Cover for the owner-driver against injuries, permanent disability and death.
• Specific coverage depends on the chosen add-on.

Exclusions

• Any claim arising out of any contractual liability
• Accidental damages incurred due to driver’s negligence
• Damages caused directly or indirectly due to nuclear weapons material
• Accidental loss incurred outside the geographical area
• Using the vehicle out of its intended use
• Damages caused by war, invasion, the acts of foreign enemies, hostilities, warlike operations, etc.
• Driver found driving without a valid driving licence
• If the driver is found driving under the influence of alcohol or any other substances at the time of the incident.
• Regular wear and tear

Reliance Car Insurance Add-On Covers for the Best Car Insurance in Punjab

• Pay-As-You-Drive: This add-on adjusts your premiums rates to the distance driven rather than having you pay a flat rate.
• Nil Depreciation: Covers your car for depreciation costs when you raise a claim.
• 24x7 Roadside Assistance: Offers assistance if your car breaks down in a remote area. Also includes towing services.
• Return-to-Invoice Cover: Refunds the original invoice amount of the car in case of total vehicle damage or theft.
• Engine Protection Cover: Covers engine damage due to water ingression or leakage.
• Total Cover: Refunds the car’s full on-road price in case of total loss of car due to accident or theft.
• NCB Retention Cover: Protects your NCB discount up to two claims.
• EMI Protection Cover: Covers up to 3 car EMI payments in case of extended repair time.
• Daily Allowance Benefit: Pays you a fixed amount for a specific number of days for alternate transport costs if car repairs take too long.
• Key Replacement Cover: Covers car key and lock (if needed) replacement costs.
• Tyre Protection Cover: Cover tyre repair and replacement costs for accidental damage and wear and tear.
• RIM Protection: Covers damage caused to the car rims.
• Loss of Personal Belongings: Covers theft or damage to personal belongings (phones, laptops, etc.) kept in your car.
• Consumables Expenses: Pays for replacement of consumables like water, nuts and bolts, oil, etc., after an accident.
• Geo Extension: Extends your car insurance coverage outside of India if you frequently drive outside of India’s borders.
• Electrical Accessories: Covers damage caused to electrical fittings like navigation or sound systems.
• Emergency Hotel Accommodation: Pays for hotel accommodation costs if your car breaks down 200km away from your house.
• Non-Electrical Accessories: Covers damage to non-electrical additions to your car, like seat covers, alloy wheels, etc.

Additionally, we also offer add-on covers specific to electric cars, covering their unique needs.

How to Buy and Renew Reliance Car I​nsurance in Punjab

Steps to Buy Reliance Car Insurance Punjab Online

1. Visit the official Reliance General Car insurance page.
2. Enter your car’s registration number and your contact details.
3. Based on your coverage requirements and car’s model, you will receive an instant quote.
4. Choose a plan and select any add-ons (if required).
5. Verify the price based on your selections, confirm your choice and make the payment online.

Steps to Renew Your Reliance Car Insurance Punjab Online

1. Go to our Renew Car Insurance page.
2. Enter the required information, such as the details of your existing policy and contact details.
3. Verify the details displayed. Add or remove coverage additions based on your needs.
4. Apply no-claim bonus, if applicable.
5. Confirm your choice and complete the payment process.

Documents Required for Buying or Renewing Our Plans

• Proof of Identity (such as an Aadhaar card, passport, Voter ID, etc.)
• Proof of Address (such as electricity bill, phone bill, bank Passport, etc.)
• Copy of driving licence
• Copy of car’s registration certificate
• Car’s make, year and model details
• Proof of Age (such as birth certificate, Aadhaar card, Voter ID, etc.)
• Passport-size photographs

How to Choose the Best Car Insuranc​e in Punjab?

Evaluate Driving Conditions

Punjab’s highways and congested city streets require a high-coverage car insurance plan. The plan must provide coverage against accidents, thefts, damages due to natural or man-made calamities, etc.

Consider Comprehensive Plan

For cities with a high number of vehicles on the streets and traffic, it is best that you choose our comprehensive car insurance plan. This plan provides coverage from numerous perils, giving you overall protection.

Opt for Optional Add-ons

Reliance General Insurance offers 10+ add-on options to extend your coverage based on your needs. To secure the best car insurance in Punjab, choose the add-ons that suit your needs.

Check for Network Garages

To get seamless cashless service, your insurer must have a wide network of cashless garages. We have a huge network of over 10,000+ garages spread across the country for high accessibility.

Reliable Customer Support

Opt for an insurer that provides reliable assistance and guides you throughout the claims processing and buying process. Our dedicated team ensures that you get all the support you need during critical times.

Compare Coverage and Prices

The coverage and prices differ depending on the plans you choose. Thus, compare our plans and premiums before completing the buying process. You can use our car insurance premium calculator to compare prices and make an informed decision.

Factors Affecting Car Insurance Pr​emiums in Punjab

• Age of the Vehicle: For car insurance for a brand new car, your premium will be higher than that of an older car, as the IDV for older cars will be low.
• Location: People living in crowded cities like Ludhiana will have a higher premium rate than those living in less crowded cities due to the increased risk.
• Make and Model of Your Car: If you own a high-end sports car, your car insurance price in Punjab will be higher as the cost of repairs of such cars is higher.
• Insured Declared Value: IDV is the maximum amount you receive when you claim your insurance. Thus, if your IDV is higher, your premium will also be higher.
• Choice of Plan: If you opt for our comprehensive car insurance plan, your car insurance price in Punjab will be higher as compared to third-party insurance prices.

How to File a Reliance Car Insurance C​​laim in Punjab?

Steps to File Cashless Claims

1. Initiate your cashless car insurance claim within 24 hours of the occurrence of the incident in Punjab by:
1. Calling our helpline number +91-22-48903009 (paid)
2. Logging in to your Reliance Self-i App
3. Visiting our Car Insurance Claim page
2. Take your car to any network garage in Punjab to receive cashless benefits.
3. Our expert will survey your claim and the car’s damages within 48 hours. The claim will be processed based on the surveyor’s reports.
4. Upon approval, you can get the repair work done at the network garage.
5. You do not have to pay the bill out of your own pocket. We will settle your bill directly with the garage.

*Note that you have to pay for the uninsured parts, deductibles or depreciation. You must settle these amounts for such repair.

Steps to File a Reimbursement Claim

1. To file a reimbursement claim with us, follow the options provided above.
2. Make sure to gather all possible evidence, such as photos of the incident.
3. You can choose any garage in Punjab to repair your car.
4. Be sure to collect all relevant documents from the garage, including bills, estimates, and invoices.
5. Fill out the claim form carefully and attach all the required documents.

*Note that for reimbursement claims, you will need to pay the bills upfront and get reimbursed later.

You can easily track the status of your car insurance claim online in Punjab by entering your claim or policy number.

Documents Required for Car Insurance Claim Process

• Policy document
• FIR (in case of claim for third-party liabilities or theft)
• Forms 28, 29 and 30 signed by the insured (for admission of liability)
• NOC of the financer
• Copy of registration certificate
• Copy of driving licence
• Garage name (with contact details)

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

Cashless Network Garages for Car​ Insurance in Punjab

A cashless network garage is a service facility partnered with Reliance General Insurance. This facility allows you to get your car repaired without paying the expenses upfront.

Instead, we directly settle the repair costs with the garage, except for any deductibles or uncovered expenses.

• Purpose: These garages ensure hassle-free repairs after an accident, reducing the stress of large out-of-pocket expenses.
• Finding one: Use the Reliance General Insurance online Garage Locator to find a nearby cashless garage in Punjab.

Third-Party Vs Comprehensive ​Car Insurance in Punjab

Parameters	Third-Party Car Insurance	Comprehensive Car Insurance
Coverage	Covers damage caused to third-party property, car and person.	Covers third-party damage and own vehicle damage against multiple perils.
Premium	The third-party car insurance price in Punjab is lower than that of the comprehensive plan.	The premium price is higher due to extensive coverage.
Choice of Add-Ons	Not available	You get access to our 10+ add-ons.
Personal Accident Cover	Not available	This cover is included in the policy and offers coverage of up to ₹15 lakhs.
Recommended For	Budget-conscious buyers or old cars.	New cars, high-value vehicles or drivers in high-risk areas.

Traffic Do’s and Don’ts in Punj​​ab

Do’s

• Always wear seat belts and helmets as per traffic laws.
• Follow speed limits, especially on highways like NH-44.
• Use indicators when turning or changing lanes.
• Carry your driving licence, registration, and insurance documents at all times.
• Drive carefully in fog, a common issue during winters in Punjab.
• Park only in designated areas to avoid penalties.

Don’ts

• Avoid over-speeding.
• Avoid using mobile phones while driving.
• Do not jump red lights or drive under the influence of alcohol or drugs.
• Refrain from overtaking in unsafe conditions or on narrow roads.

Frequently Asked Questions

• How can I get second-hand car insurance in Punjab?

  If you have bought a second-hand car in Punjab, here’s how to get our car insurance:

  • Complete the car’s inspection from our team of experts.
  • Collect all the necessary documents, such as forms 29 and 30 and RC transfer proof.
  • Buy the insurance online with the help of the steps mentioned above.
  ​
  
• Which is the best car insurance in Punjab?

The best car insurance for you depends on your coverage and budget needs. However, we recommend securing your car with our comprehensive car insurance plan for overall protection against a wide range of perils.


• Is insurance mandatory for an old car in Punjab?

  Yes, having car insurance is a legal mandate whether you own a new or old car.

• What are the factors to consider when buying car insurance in Punjab?

  Check for the insurer’s claim settlement ratio, list of inclusions and exclusions, optional add-ons, prices, online services and a wide network of cashless garages.​