Sign In

Existing policy with Reliance?

Reliance Private Car Insurance Policy

Benefits

car insurance

​And More......

 
​​
Premium Discount of 5% for a Girl Child or Single Woman*
Service Guarantee - Policy & Claims
5% Premium discount if you have Reliance Private Car Policy*
No maximum entry age for insurance cover of Rs 3 lakh​
*Re-instatement of base sum insured, if you've exhausted the total sum insured ​
Lifelong renewal ​
*Automated one-year extension of policy if in case of 'named critical illness'​

Get your quick quote now. Read on to know more about our motor car insurance​​ ​policy.​

​ 

*Above mentioned discounts has been calculated on the basis of rate prescribed under erstwhile Indian Motor Tariff​.

We've tried to cover all the basic elements in our vehicle insurance policy, so if your car is damaged due to any of the following reasons, or lost, we have it covered!

  • Accident
  • Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft
  • Riot & Strikes and / or Malicious Acts
  • Terrorism
  • Earthquake
  • Flood
  • Cyclone
  • Inundation
  • Transit by Rail, Road, Air & Elevator

Damage or loss is one thing, but what if you’re stranded? Well, we can help you out with our new feature 24x7 Anywhere Assist service, which is free of charge. We offer roadside help within a large 25-km radius of your car breakdown location for any of the following problems:

  • Towing Assistance
  • Battery Jumpstart
  • Minor Repairs
  • Tyre Punctures
  • Emergency Fuel Assistance
  • Delivering Back-Up Key
  • Organising a taxi
  • Organising Hotel Accommodation
  • Sending Outgoing Messages

25-km is a large distance, but in case our network garage is beyond that, there will be requisite charges.

To avail 24x7 instant roadside assistance download Anywhere Assist App on your Android Smartphone Click Here

Apart from this, we recommend that you opt for Third-Party Liability Cover for your car insurance because it is now compulsory as per the Motor Vehicles Act. It cov​ers third-party property damage and provides liability for the third-party in case of injury or death. Simply put, this cover offers you protection if the other party is uninsured or underinsured.

Finally, we also bring to the table some add-on covers that will help to customise your automobile insurance policy. Here's what you can choose from!

  • Electrical or Electronic Accessories
  • Non-Electrical Accessories
  • Bi-Fuel Kits Comprising LPG/CNG Systems
  • Legal Liability to Employee, Paid Driver, Cleaner & Conductor
  • Racing & Speed Tests
  • Dexterity Trials & Hill Climb Extensions
​ ​​ ​

Although we'd like your motor insurance to cover all types of situations, it isn't possible. Some of the exclusions are:

  • Normal wear-and-tear of the car
  • Mechanical and electrical breakdown
  • Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose. 
  • Damage to / by person driving without a valid driving license
  • Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the car's value
  • Loss or damage due to war or nuclear risks
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

​Yes, we at Reliance General Insurance offer you many attractive discounts.

First is a No-Claim Bonus – something you can control. We appreciate good and safe driving, which means you make no claims through the year. As a reward, we give you an awesome discount on the premium. Also, this bonus can be transferred over to your new car if you like. This discount can be accumulated on a yearly basis as mentioned below.


Second, you get additional discounts if you. . .
  • Are a member of any recognized automobile association
  • Install an anti-theft device in your car
  • Have covered the vehicle for specific location usage
  • Have opted for Voluntary Deductible while buying the policy

Third is Voluntary Deductible, a minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your premium. Thus, eventually discounting the premium.


Please refer to the below table for appilcable Voluntary Deductible: -



It's not just discounts that you should look into, some of the add-on covers will also benefit you in the long run. Be sure to have a look at the add-on options

Additional ​Covers that you can opt for

There can be many covers that you can add here

Benefits

Add-on covers are not just additional costs, they are assets that earn you several advantages. Choose well!

NCB Retention

We offer this add-on for any private car which is 2 years old or above. With this add-on, we can help you to retain your earned No-Claim Bonus (NCB) percentage, even after you've made a claim. Without this additional cover, the NCB would drop to 0% if you've made a claim in the previous policy period.

Also note, if the value of your car is less than or up to Rs. 10 lakh, you can avail of this add-on while renewing your previous policy with us or even a previous policy from another company.

The retainable NCB is applicable when :

  • The NCB percentage of the vehicle should be 25% and above
  • One approved accidental claim is made during your policy period
  • The total value of the claim payment made during your policy period is up to 25% of the value of your car, as mentioned in your policy
  • Your policy is renewed with us, within 90 days of its expiry, which is the normal grace period for availing NCB

As part of the Optional Personal Accident cover, we provide you a cover against accidents anywhere in the world regardless of who is driving the car. Under this cover, you are insured against Accidental Death and Permanent Total Disablement. The details are as follows: 

The Motor Secure Plus cover includes Nil Depreciation, Consumables & Engine Cover.

Nil Depreciation Cover

Nil Depreciation Cover is helpful to combat the depreciating value of your car. With this add-on, there is no deduction for depreciation even on the car's parts, other than tyres and tubes.

Things to consider when you opt for this add on :

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops.
  • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable, if you have opted for it. 

Consumables Cover

This add-on element covers expenses incurred by you on the consumable items in case of damage to the car insured and / or to its accessories, arising out of any peril as covered under your policy on approved partial loss claims.

Consumable items include nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil.

Things to consider when you opt for this add on :

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired at one of our authorised dealers or workshops.  

Engine Cover

With this add-on, we cover you for expenses incurred while fixing indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to :

  • Engine Parts
  • Differential Parts
  • Gear Box Parts
The coverage is available only for the claims intimated within 7 days of the loss or damage

This cover includes Nil Depreciation, Consumables, Engine Cover & Key Protect Cover.

Nil Depreciation Cover

Nil Depreciation Cover is helpful to combat the depreciating value of your car. With this add-on, there is no deduction for depreciation even on the car's parts, other than tyres and tubes.

Things to consider when you opt for this add on:

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops.
  • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable, if you have opted for it. 

Consumables Cover

This add-on element covers expenses incurred by you on the consumable items in case of damage to the car insured and / or to its accessories, arising out of any peril as covered under your policy on approved partial loss claims.

Consumable items include nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil.

Things to consider when you opt for this add on:

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired by/ at one of our authorised dealers or workshops.

Engine Cover

With this add-on, we cover you for expenses incurred while fixing indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to:

  • Engine Parts
  • Differential Parts
  • Gear Box Parts
    The coverage is available only for the claims intimated within 7 days of the loss or damage.

Key Protect Cover – Private Cars

With this, we cover the expenses you make while repairing or replacing your car keys and / or locks and / or lockset, including the locksmith's charges. You can make a claim during your policy period if the loss has occurred due to theft or burglary or loss of / damage to the keys, lock or the lockset. 

Things to consider when you opt for this add on:

  • The coverage will be available only for a maximum of two claims during your policy period.
  • A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police.
  • The replaced keys / lock / lockset is of the same nature and kind as the one for which the claim has been made.
  • The loss or damage to the keys / lock / lockset is reported to us within 7 days of the loss or damage.
  • Replacement of key(s) will be allowed for broken or damaged keys only.
  • In case of theft or misplacement of key(s), the entire set comprising of key, lock and lockset will be replaced, subject to the handing over the other key(s) to us.

Average Rating:

4.5(Based on 212 ratings)

Showing 10 reviews

  • “Very good coverage provided by this car insurance policy”

    Very good coverage provided by this car insurance policy. I am happy with my policy because most of the car related problems are covered. Good plan to have.

    Palm D13 October 2017, Lucknow
  • “Great garage network provided by my car insurance plan”

    Great garage network provided by my car insurance plan. My car broke down on a highway en route to office and I had to look for a garage. It was a relief to find out that there was a garage very near to me. Reliance General has a very good network of garages for stranded cars and I got towing assistance.

    Jatinder T13 October 2017, Chandigarh
  • “Car insurance articles are a good reference point”

    Car insurance articles are a good reference point. It is good to see that you have explained common problems faced by online customers through articles.

    Pk Mohanty12 October 2017, Kolkata
  • “I happily opted for this discount”

    It is so great to find out that you are getting a discount on your policy for installing anti-theft devices in your car. When I was buying my car insurance policy online with Reliance General, I happily opted for this discount. Excellent discounts offered to online buyers.

    B Saahu12 October 2017, Kochi
  • “Good customer support.”

    Your team members are very prompt when it comes to solving queries. I was nervous about filing a claim on my car insurance plan online. But your representative gave me proper instructions. Kudos to Reliance General. Good customer support.

    Mani M11 October 2017, Ahmedabad
  • “Car insurance will keep me safe on the roads”

    Initially I was only going to buy third party liability cover because that is a mandate. But, Reliance General offers a great comprehensive car insurance policy. Plus the services given look very promising. I am happy that my car insurance will keep me safe on the roads, no matter what the situation.

    K Patel11 October 2017, Navi Mumbai
  • “Process was simple for me.”

    I wanted to buy a car insurance plan for my Maruti Swift Dzire and looked for different plans online. I like that your form recognised my vehicle type while giving a car insurance quote. It made the process simple for me.

    Sv Bk10 October 2017, New Delhi
  • “The information given on your website is very instructive”

    The information given on your website is very instructive. I found the answers to all my car insurance questions. Thanks for listing out all the terms and conditions clearly. It made the online buying procedure very easy for me.

    Vishwakarma S10 October 2017, Indore
  • “Good information is given.”

    This is a nice policy offered by Reliance General Insurance. It was my first time buying my car insurance online and I found your website good to go through. Good information is given.

    Dr. Mishra9 October 2017, Chennai
  • “This is a great policy.”

    This is a great policy. Kudos to the support team for patiently guiding my through the buying process. This home insurance policy was recommended by a happy family member.

    Jose B9 October 2017, Patna
  • See all reviews