Honda City Car Insurance

Honda City, a beloved sedan on Indian roads, deserves protection that matches its reputation. Reliance General Insurance offers tailored coverage for your Honda City, ensuring you drive with confidence. Our comprehensive policies safeguard your prized possession against unforeseen circumstances, from accidents to natural calamities.

With competitive Honda City insurance costs and a range of customisable options, we make it easy to find the perfect balance of protection and affordability. Whether you're looking for basic third-party coverage or a full-fledged comprehensive plan, Reliance has you covered.

​Why Do You Need Honda Ci​​ty Car Insurance?

 Compliance with Laws

In India, it's mandatory to have at least third-party insurance for your Honda City. The Honda City third-party insurance price is reasonable considering the legal protection it offers. By choosing Reliance, you ensure you're always on the right side of the law.

 Financial Protection

Accidents do occur and they can be expensive to fix. The yearly cost of Honda City insurance is a little exchange for the protection it offers in terms of finances. Your Reliance insurance offers coverage for small collisions as well as severe ones, reducing your out-of-pocket costs.

 Peace of Mind

With Reliance's Honda City car insurance, you can drive worry-free. Our comprehensive coverage, efficient claim process and 24/7 support ensure that you're never alone in times of need. The Honda City insurance amount you pay translates directly into peace of mind on every journey.

Features and Benefits of Reliance Car Insurance for Honda City

 Hassle-Free Buying and Claiming Insurance

Purchasing and renewing your Honda City car insurance is a breeze with Reliance. Our streamlined online process allows you to secure coverage in minutes, eliminating paperwork and saving time. When it comes to claims, our efficient system ensures quick processing, minimising stress during challenging times.

IDV Customisation

We understand that your Honda City's value is unique. That's why we offer flexible Insured Declared Value (IDV) options. Customise your IDV to ensure your Honda City insurance amount accurately reflects your car's worth, balancing optimal coverage with affordable premiums.

Personal Accident Cover

Your safety is paramount. Our Honda City insurance includes personal accident coverage for the owner-driver. This essential feature provides financial protection in case of unfortunate accidents, covering disabilities or fatalities.

Third-Party Liabilities

Rest easy knowing you're protected against legal liabilities. Our competitively priced Honda City third-party insurance provides comprehensive coverage for any harm or injury you may inflict on other persons or their property while operating a motor vehicle.

24/7 Customer Support

Our dedicated support team is available round-the-clock to address your queries and concerns. Whether you need assistance with your Honda City car insurance renewal or have questions about coverage, we're here to help anytime, anywhere.

No-Claim Bonus

Safe driving pays off with Reliance. Enjoy substantial discounts on your Honda City insurance cost per year through our No-Claim Bonus program. Accumulate up to 50% discount for claim-free years, rewarding your careful driving habits.

High Claim Settlement Ratio

We pride ourselves on our impressive claim settlement ratio. When you need us most, we deliver. Our efficient claim process ensures that your Honda City gets back on the road quickly, minimising downtime and inconvenience.

Video Claims

Embrace technology with our innovative video claim feature. In case of minor damages, simply upload a video of your Honda City's condition. This speeds up the claim process, often eliminating the need for physical inspections and reducing turnaround time.

Pay-As-You-Drive Insurance

For occasional drivers, our ​Pay-As-You-Drive​ option offers flexibility in your Honda City insurance price. This usage-based insurance calculates premiums based on your actual driving habits, potentially lowering costs for those who drive less frequently.

Wide Range of Add-Ons

Customise your Honda City car insurance with our extensive range of add-ons. From zero depreciation cover to engine protection, roadside assistance to key replacement, tailor your policy to meet your specific needs and driving style.

Types of Honda City Car Insurance Plans

Each plan is designed to offer the best balance of protection and affordability, ensuring your Honda City stays safe on the road without breaking the bank.

How to Buy Honda Cit​y Car Insurance- Online & Offline?

Steps to Buy Honda City Car Insurance Online​

1. Visit Reliance General Insurance's official website​
   
2. Navigate to the car insurance section and enter your Honda City's details
3. Choose your preferred coverage and any add-ons
4. Review the Honda City insurance price and policy details
5. Make the payment securely online to activate your policy instantly

Steps to Buy Honda City Insurance Offline

1. Locate your nearest Reliance General Insurance branch by our branch locator
2. Schedule an appointment with our insurance expert
3. Discuss your Honda City insurance requirements in person
4. Provide the necessary documents and choose your coverage
5. Complete the payment to receive your policy document

Steps for Honda City​ Car Insurance Renewal Online

1. Visit our website and click on “Renew Policy”
2. Review and update your Honda City information if needed
3. Choose to retain or modify your coverage
4. Check the Honda City insurance renewal cost
5. Pay online to instantly renew your policy

Also Read: Essential Tips for Car Insurance Renewal Online In India

How to Buy Second-Ha​​nd Honda City Car Insurance?

Insuring a pre-owned Honda City is straightforward with Reliance:

1. Gather all necessary documents, including the RC transfer papers
2. Visit our website​ or a branch to initiate the insurance process
3. Provide details of your second-hand Honda City
4. Our experts will assess the vehicle's condition and offer a suitable quote
5. Choose your coverage, pay the premium and secure your policy

Remember, the Honda City insurance amount for a used car may differ based on factors like the car's age and condition.

Honda City Insurance Coverage: Inclusions and Exclusions​

Understanding your Honda City insurance policy is crucial for maximising protection and value. Let's break down what Reliance's Honda City car insurance typically covers and what it doesn't.

Honda City Insurance Policy: Inclusions

• Protection against accidental damage to your Honda City
• Coverage for theft of your vehicle
• Safeguarding against fire damage, including electrical fires
• Flood and earthquake protection
• Personal accident coverage for the owner-driver
• Property damage and injury coverage under third-party liability
• 24/7 roadside assistance

Insurance of Honda City: Exclusions

• Normal wear and tear of your Honda City
• Mechanical failures not resulting from accidents
• Damage caused while driving under the influence
• Depreciation of parts (unless you opt for zero depreciation cover)
• Consequential losses
• Damage to tyres and tubes (unless part of a larger accident)
• Any damage occurring outside the policy's specified geographical area

Remember, your Honda City insurance cost reflects these inclusions and exclusions, balancing comprehensive coverage with affordability.

Honda City Insurance Add-On Covers

At Reliance, we offer a range of add-ons to enhance your Honda City insurance, providing comprehensive protection for your beloved sedan. These 18 add-ons can be customised to suit your specific needs:

1.  Zero Depreciation Cover: Get full claim amounts without depreciation deductions, maintaining your Honda City's value.
2.  Engine Protection:  Safeguards your Honda City's engine against water damage and oil leakage.
3.  24/7 Roadside Assistance:  Round-the-clock help for breakdowns and emergencies.
4.  No Claim Bonus Protection:  Keep your bonus even after making a claim.
5.  Return to Invoice:  Receive your Honda City's full invoice price in case of total loss or theft.
6.  Consumables Cover:  Includes costs of oils, lubricants and other consumables.
7.  Key Replacement:  Covers expenses for replacing lost or damaged keys.
8.  Personal Belongings Protection:  Extends coverage to items in your car.
9.  Emergency Hotel Accommodation:  Coverage for hotel lodging expenses if your car breaks down more than 200km away from your house.
10.  Pay-As-You-Drive Insurance:  Tailors your Honda City insurance cost to your actual driving habits.
11.  Total Cover:  Ensures full on-road price reimbursement in severe damage cases.
12.  EMI Protection:  Covers your car loan EMIs during extended repair periods.
13.  Rim Protection:  Specifically covers damage to your Honda City's alloy wheels.
14.  Tyre Protection:  Comprehensive coverage for your car's tyres.
15.  Geographical Extension:  Expand your policy to cover driving in neighbouring countries.
16.  Electrical Accessories Cover:  Protects aftermarket electrical systems in your Honda City.
17.  Non-Electrical Accessories Cover:  Insures authorised modifications to your Honda City.
18.  Daily Allowance:  Provides compensation for alternative transport during repairs.

For Honda EV models, we offer specialised coverage protecting unique hybrid components like the high-voltage battery and electric motor.

These carefully selected add-ons allow you to create a tailored insurance package for your Honda City, addressing various aspects of ownership and maintenance. While these may increase your Honda City insurance cost per year, they provide valuable additional protection for your vehicle.

Honda City Car Insurance ​Claim Process

Steps for Honda City Insurance Claim: Cashless Repairs

1. Inform us immediately after an incident through our paid helpline number +91 22 48903009, Car Insurance Claim page or on the Reliance Self-i App.
2. Take your Honda City to our network garage.
3. Submit your policy details and driving licence.
4. Our team will assess the damage and approve repairs.
5. Collect your repaired Honda City after paying any applicable deductibles.

Steps to Claim Honda City Insurance ​Policy: Reimbursement Claims

1. Notify us about the incident promptly.
2. Get your Honda City repaired at your preferred garage.
3. Collect all repair bills and documents.
4. Submit the ​claim form with all required documents to Reliance.
5. Receive the approved claim amount in your designated account.

Whether you're claiming Honda City third-party insurance price coverage or comprehensive policy benefits, our process ensures quick and hassle-free settlements.

Documents for Honda City Insurance Claim

To ensure a smooth Honda City car insurance renewal and claim process, keep these documents handy:

• Copy of your valid driving licence
  
• Honda City insurance policy document
• Copy of vehicle registration certificate
• FIR (in case of theft or third-party injury)
• Original repair bills and payment receipts
• Completed claim form
• Photos of the damaged vehicle (if applicable)
• Medical bills and reports (for personal accident claims)

Having these documents ready can speed up your claim process and help you get the full Honda City insurance amount you're entitled to. Remember, prompt and accurate documentation is key to a hassle-free claim experience with Reliance.

Honda City Car InsuranceClaims: Cashless vs. Reimbursement

What Decides the Honda Car Insurance Premium?

Car Specifications

Car specifications play a crucial role, as the model, variant and engine capacity of your Honda vehicle directly impact the insurance cost. More powerful or luxurious models typically command higher premiums.

Coverage Requirements

Coverage requirements also significantly influence the price – opting for comprehensive coverage with add-ons like zero depreciation or engine protection will naturally result in a higher premium compared to basic third-party liability insurance.

Vehicle's Insured Declared Value (IDV)

The vehicle's Insured Declared Value (IDV) is another critical factor. This represents the current market value of your Honda car and forms the basis for calculating premiums and potential claim payouts. As your car depreciates over time, the IDV and corresponding premium generally decrease.

Geographical Location

Geographical location is equally important, as insurance companies consider the risks associated with different areas. For instance, a Honda City insured in a metropolitan area with higher traffic density and accident rates may attract a higher premium than the same model in a smaller town.

Claim History

Your personal claim history also weighs heavily on the premium calculation. If you have a clean driving record and have never filed a claim, you surely qualify for a no-claim bonus, which can drastically lower your rate. Conversely, a history of frequent claims may lead to higher insurance costs.

Additional factors that can influence your Honda car insurance premium include your age and driving experience, with younger or less experienced drivers often facing higher rates.

How to Calculate Honda City Car InsurancePremium?

At Reliance General Insurance, we've streamlined the process of determining your Honda City car insurance premium:

1. Navigate to our user-friendly website and locate our specialised ​car insurance calculator
2. Input the specifics of your Honda City (including model year and specific variant)
3. Select your desired level of coverage - from basic third-party to comprehensive protection
4. Customise your policy with add-ons tailored for Honda City owners
5. Provide details about your location and past claim history and generate your personalised quote

It's important to note that several factors unique to your Honda City and driving profile can impact your final insurance cost.

Honda City Third-Party Insurance Price

The Honda City third-party insurance price is set by IRDAI:

For Private Cars

For Electric Cars

Honda City - Overview and USPs

The Honda City has been a popular choice in the Indian sedan market for decades. Known for its reliability, fuel efficiency and elegant design, the Honda City continues to be a favourite among car buyers. Let's explore what makes this car stand out and why it's essential to protect it with the right Honda City car insurance.

Design and Exterior

The Honda City has a sleek, modern look that makes it stand out on the road. Its aerodynamic profile not only looks good but also contributes to better fuel efficiency. Key design features include:

• Sharp, LED headlights
• Chrome front grille
• Stylish alloy wheels
• Distinctive tail lamp design

These features not only enhance the car's appearance but also affect your Honda City insurance cost, as premium vehicles may have slightly higher premiums.

Interior and Comfort

Step inside the Honda City and you'll find a spacious and well-designed interior. Notable features include:

• Premium upholstery
• Spacious rear seating
  
• Advanced infotainment system
• Climate control

The high-quality interiors contribute to the car's value, which is a factor in determining your Honda City insurance amount.

Performance and Engine

The Honda City is known for its peppy performance and fuel efficiency. Key aspects include:

• Choice of petrol and diesel engines
• Smooth CVT transmission option
• Impressive mileage figures

These factors can influence your Honda City insurance cost per year, as more powerful engines may attract slightly higher premiums.

Safety Features

Honda prioritises safety, which is reflected in the City's features:

• Multiple airbags
• ABS with EBD
• Rear parking camera
• ISOFIX child seat anchors

These safety features can positively impact your Honda City car insurance renewal, potentially leading to lower premiums due to reduced risk.

Technology and Connectivity

The Honda City keeps you connected on the go with:

• 8-inch touchscreen infotainment system
• Apple CarPlay and Android Auto compatibility
• Voice command system
• Connected car features

While these tech features enhance your driving experience, they may slightly increase the Honda City insurance price due to the higher value of the vehicle.

Fuel Efficiency

One of the Honda City's strongest USPs is its excellent fuel efficiency:

• Petrol variant: 17.8-18.4 km/l
• Diesel variant: 24.1-24.3 km/l

Good fuel efficiency not only saves you money on fuel but can also positively impact your Honda City insurance cost, as it indicates careful usage of the vehicle.

At Reliance General Insurance, we understand the value of your Honda City. That's why we offer custom insurance plans to keep your valuables safe.

Whether you're looking for basic third-party coverage or comprehensive protection, we've got you covered. Contact us today to learn more about our Honda City car insurance options and get a quote that fits your needs and budget.

Honda City - Models and Prices

Prices are approximate and may vary. Please check with the local Honda dealer for the most current pricing information.

Honda Car Insurance for ​Which Reliance Offers Insurance  

​Frequently Asked Questions

1. What does Honda City insurance cover?

Reliance's Honda City insurance offers comprehensive protection against accidents, theft and natural disasters. It includes mandatory third-party liability and personal accident cover.

Our policy features tailored add-ons like zero depreciation and roadside assistance for City owners. Engine protection ensures your sedan gets thorough coverage.


From fender benders to major collisions, our insurance keeps you worry-free on Indian roads. With Reliance, your Honda City is safeguarded against various risks, allowing you to drive with confidence.

2. Are there discounts available for Honda City insurance?

Yes, Reliance offers various discounts for Honda City insurance. Enjoy No Claim Bonus rewards for claim-free years, potentially reducing premiums by up to 50%. Installing ARAI-approved anti-theft devices can lower costs further.

We provide special rates for members of recognised automobile associations. New car discounts apply for fresh purchases. Opting for a higher voluntary deductible can decrease your premium.

Long-term policy discounts are available for multi-year coverage. These options ensure you get the best value for your Honda City's protection.

3. Can I transfer myHonda City insurancewhen selling the car?

Yes, transferring Honda City insurance when selling is straightforward. Notify us about the ownership change and provide the necessary documentation, including the new owner's RC copy and transfer papers.

We'll swiftly process the transfer, ensuring the new owner benefits from the existing policy. This process adds value to your sale, offering the new owner immediate protection and potentially making your City more attractive to buyers.

4. How much does Honda City insurancetypically cost?

The Honda City insurance cost averages around ₹238/month, offering affordable protection. This Honda City car insurance price translates to about ₹2,856 annually for basic coverage. However, the exact Honda City insurance amount can vary.

Factors affecting Honda City insurance cost per year include model variant, driver's age and chosen coverage. For comprehensive Honda City insurance, prices may be higher.

The Honda City third-party insurance price starts lower but provides limited coverage. To get your precise Honda City insurance price, use our online calculator for a tailored quote.

5. What factors influence Honda City insurance premiums?

Several factors shape your Honda City insurance premium. The variant (e.g., V, VX, ZX) and engine type (petrol/diesel) play crucial roles. Your location, driving history and the car's age also impact costs. We consider safety features like ABS ​and airbags, potentially lowering premiums.

Chosen add-ons and voluntary deductibles further fine-tune pricing. No Claim Bonus can significantly reduce costs. The Insured Declared Value (IDV) affects the premium, as does your car's usage pattern. Previous claims history and occupation may also influence the final Honda City insurance cost.

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.