Short-Term Car Insurance

Short-term car insurance is an ideal option for insurance coverage if you own, borrow or rent a car for a short period. It offers coverage against various risks and the flexibility to choose the policy duration.

Reliance General Insurance offers short-term car insurance plans for one day, one week, 15 days, one month and three months. This temporary car insurance coverage is available under our own damage car insurance policy.

Here is everything you need to know about this temporary car insurance online.

What is Short-Term Car Insur​​ance?

Short-term car insurance, also known as temporary car insurance, is a policy that provides insurance coverage for your car for a limited period. The duration can range from one day to three months.

It is a cost-effective option for individuals seeking car insurance coverage for the short term for several reasons. These include borrowing or renting a car for a few months, temporary relocation, learning to drive, etc.

Typically, a short-term car insurance policy is a good option if you need coverage for any time between one day and three months, compared to the standard one-year car insurance policy.

How Does Temporary Car Insur​​ance Work?

Temporary motor insurance works similarly to a regular car insurance policy but offers the flexibility to meet your specific short-term requirements.

• Simpler Purchase Process - By providing a few essential documents, you can buy short-duration car insurance or temporary monthly car insurance online in a few simple steps.
• Flexible Policy Period - You can choose a policy period, ranging from one day to three months, that meets your specific requirements. The premium will be based on the length and level of your coverage.
• ​ Coverage - Reliance General Insurance offers short/temporary car insurance coverage under own-damage car insurance policies. It covers a range of potential risks, such as accidents, natural disasters and man-made calamities.
• Simpler Claim Process - By notifying us about the incident promptly and providing the necessary details, you can also benefit from a quick claim settlement.

Key Features and Benefits of Relia​​nce Short-Term Car Insurance

Reliance Short-Term Car Insurance - Inclusions & Exclusions

Short-Period Car Insurance - Inclusions

Short-Term Car Insurance - Exclusions

Also Read: Monthly Car Insurance

When Should You Buy Temporary Car Insurance?

A temporary car insurance policy can be purchased for various reasons depending on personal circumstances. It is especially important in the following scenarios:

• Borrowing a Car - If you are borrowing a car from a friend or a family member for a short period, short-term car insurance or temporary monthly car insurance provides the required coverage.
• Renting a Car - Although rental agencies might offer car insurance coverage, it can be minimal or expensive. With the best temporary car insurance, you can ensure a flexible, cost-effective and convenient solution in such scenarios.
• Test Drives - When you take a car for a test drive, it is better to buy short-term car insurance to financially protect yourself against unprecedented scenarios.
• Temporary Relocation - When you are using another person’s car in a different location for business or any other purpose, temporary car insurance is highly essential.
• Planning Immediate Resale - Temporary car insurance when buying a new car is also crucial if you want to resell it shortly after purchasing it.

How to Buy/ Renew Short-Term Car Insurance Online?

How to Buy Short-Term Car Insurance Online?

• Step 1: Visit our ​​ ​​Car Insurance Online page and provide your contact details and the car’s registration number.
  
• Step 2: Verify the car details, choose a suitable short-term car insurance plan and select add-ons if necessary. You can buy monthly car insurance online.
• Step 3: Pay the applicable premium and buy the temporary car insurance policy instantly.

How to Renew Short-Term Car Insurance Online?

• Step 1: Visit our Car Insurance Online page and click on ‘Renew Car Insurance Policy’.
• Step 2: Provide your mobile number or policy number to renew your temporary car insurance policy. Choose a suitable coverage and select add-ons if necessary.
• Step 3: Pay the applicable premium to renew your one-month car insurance

Short-Term Car Insurance ​Cost

The short-term car insurance price can be calculated using the car insurance premium calculator available on our Car Insurance Online​ page. It is determined based on the following factors:

• Policy Duration - The short-term car insurance price depends on the duration of coverage required, whether one day, one week, 15 days, one month or three months. The longer the policy period required, the higher the premium.
• Type of Vehicle - The make, model and age of the car significantly impact the short-term car insurance price. Expensive vehicles will attract a higher premium.
• Risk Factors - Location, driver’s profile, and purpose of usage can affect the short-term car insurance cost. For example, if you live in a low-risk area, you may have a higher chance of getting low-cost temporary car insurance.

Documents Required for Tempo​​rary Car Insurance

The documents required for temporary car insurance online can differ based on personal circumstances.

Some of the most essential documents required for short-term car insurance are listed below:

• Car’s Registration Certificate
• Valid Driver’s Licence
• Proof of Identity - Aadhaar Card, Passport, etc.
• Proof of Address - Aadhaar Card, Ration Card, Passport, etc.
• Previous Insurance Details for No Claim Bonus, if applicable

Short Term Car Insurance Claim​ Process

Reliance General Insurance offers both cashless and reimbursement claims for short-term car insurance plans.

Cashless Claims

• Step 1: Notify us about the incident by calling us on our paid helpline number - +91 22 48903009 or using the Reliance Self-i app. Gather the essential evidence and file a First Information Report (FIR), if necessary.
• Step 2: Take your car to any of our network garages. Our surveyor will investigate the damage and discuss the repair costs with the garage owner.
• Step 3: Submit the claim form and the supporting documents to the surveyor for the short-term car insurance claim.
• Step 4: Upon our approval, the repair work at the garage will start.
• Step 5: Upon completion, we will directly settle the bills with the garage.

Reimbursement Claims

• Step 1: Notify us about the incident using any of the methods mentioned above. Gather the essential evidence and file a First Information Report (FIR), if necessary.
• Step 2: Take your car to any authorised garage of your choice.
• Step 3: Pay the applicable bills upfront out of your pocket.
• Step 4: Submit the claim form and other supporting documents, including bills and payment receipts.
• Step 5: We will review your temporary driving insurance claim and reimburse you for the applicable expenses.

Documents Required for Short-Term Car Insurance Claim

• Duly filled and signed claim form.
• Short-term Car Insurance Policy
• Copy of Registration Certificate
• Proof of Identity and Address
• First Information Report, if applicable
• Copy of the driving licence
• Repair bills and payment receipts

Here is the complete list of required car insurance claim documents.

Advantages of One-Day Car In​surance

• Cost-Effective - One-day car insurance provides essential coverage at an affordable premium for your short-term requirements.
• Instant Coverage - One-day auto insurance coverage can be purchased online instantly in a few simple steps.
• Minimal Documentation - One-day car insurance coverage can be purchased by submitting a few essential documents, such as the car’s registration certificate, proof of identity, and proof of address.
• Flexibility - You can decide on the extent of coverage required under the 1-day car insurance
• Applicable to Different Purposes - You can purchase the 1-day motor insurance policy for various purposes, such as for a borrowed car, rented car, etc.

Short-Term vs Long-Term Car Insurance

Temporary Car Insurance For Rental Cars

Short-term car rental insurance is a great option for securing insurance coverage when renting a car.

• Policy Period - Temporary rental car insurance provides flexible coverage based on the rental period, such as for one day, one week, 15 days, one month or three months.
• Essential Coverage - This short-term or temporary monthly car insurance provides essential coverage for accidents, natural disasters, man-made calamities, and more.
• Premium - Compared to standard car insurance policies and policies offered by rental agencies, the premiums for short-term plans are lower. It helps you save a lot of money while ensuring adequate coverage.
• Flexibility - You can further customise it as per your specific needs by deciding the level of coverage and duration without the need for a long term commitment, such as temporary monthly car insurance.
• Simple and Instance Purchase - You can purchase short-term or one-day car rental insurance online in a few simple steps. The documentation is minimal, and the process is almost instantaneous.

Frequently Asked Questions Abou​t Short-Term Car Insurance

1. Why choose short-term car insurance?

   Short-term car insurance is essential when you need insurance coverage for a car for a short period. You can purchase it for one day, one week, 15 days, one month or three months in a few simple steps.

   It provides extensive coverage for the car’s own damages against various potential risks at an affordable rate.

2. What does short-term car insurance cover?

   Short-term car insurance covers damages to the insured car against various risks such as accidents, natural disasters, man-made calamities, and more.

3. Is car insurance only for 1 year?

   No, short-term car insurance can be purchased for a policy duration of one day, one week, 15 days, one month or even three months.

4. Can I get a one-day car insurance policy?

   Yes, you can get a car insurance policy that offers coverage valid for up to one entire day. You can consider buying it for many purposes, such as when you go on a one day trip, renting a car for one day, etc.

5. What are the eligibility criteria for purchasing a temporary car insurance policy?
   1. Individuals aged 18 to 25 years with a valid driver’s licence can buy a short-term car insurance plan.
   2. If you are learning to drive, it is essential to have a valid learner’s licence and to be accompanied by someone with a permanent driver’s licence.
   3. In the case of borrowing a car, individuals aged 17 to 30 can buy a short-term car insurance plan.
6. Is it possible to add multiple cars to a short-term car insurance policy?

   Yes, multiple cars can be added to a short-term car insurance policy. However, the short-term car insurance cost will increase based on the number and types of cars included.

7. Can we get 1-month car insurance?

   Yes, Reliance General Insurance offers short-term car insurance for a 1-month policy duration. You can buy our monthly car insurance online in a few simple steps.

8. Can I renew a one-month car insurance policy?

   Yes, you can renew a 1-month car insurance policy online in a few simple steps.

9. What is the minimum period for which you can insure a car?

   The minimum period for which you can insure a car is for one day.

10. Is it compulsory to inform your existing insurance provider if you purchase short-term car insurance from another company?

    No, it is not compulsory to inform your existing insurance provider if you purchase a short-term car insurance plan from another insurer. However, if you have borrowed a car, it is essential to inform the owner about the temporary car insurance coverage.

11. Which insurance is best for a car?

    The best insurance for your car will depend on various factors, such as its age, make and model, location, extent of coverage required, policy duration and more. To identify the right policy, compare the different policies based on their features, coverage limits and premium quotes.​
    

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 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).
Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) – 3 years, UIN: IRDAN103RP0003V01201819