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Expired Car Insurance Renewal

Benefits

Forgot to renew your Car Insurance policy? Scared of the hassles you may face now? 

Relax! With the revolutionary Go Mobile App by Reliance General Insurance, you can now self-survey your car and get your car policy instantly. All you need to do is to upload images of your car and you will have the insurance within a few hours. We have already gone cashless; it’s now time to go mobile with Reliance Go Mobile. With this easy-to-use app, you can survey the vehicle yourself and get the policy renewed in no time!

​​The following is process to renew your expired car insurance online:

1. Generate Proposal Number from the website​
2. Download the Go Mobile App​
3. Enter the Proposal Number ​
4. Verify your auto-fetched details​
5. Upload vehicle images​
6. And it's done!
  
Get FREE Roadside assistance​ worth Rs.500 even on your expired car insurance renewal policy

Exc​lusive option to retain the
e​​arn​ed No-Claim Bonus
​​ even after a claim

Cashless facilities across 
3800+ garages​ in our network even on your expired car insurance renewal policy
   ​​Upto 60% discount on Reliance Car Insurance today!*
       
 Your car insurance expired? Renew it instantly online ​without any paperwork    Renew your expired Reliance Car Insurance policy online
       
  Instantly renew your Reliance Car Insurance policy through Paytm    

​← Take a free quick quote using our car insurance calculator to compare​ car insurance with​​ other insurers​​​​.

*Discount applicable on select models and cities. Above mentioned discounts on vehicle insurance has been calculated on the basis of rate prescribed under erstwhile Indian Motor Insurance Tariff.

The car insurance premium amount is subject to change in case of any change in the actual claim status subsequent to the date of this communication​. 

 


​​

What is IDV?

The IDV (Insured Declared Value) of the car is a crucial component of the car insurance policy. It is something that has a direct impact on the car insurance premium. Basically, the IDV is the current monetary valuation of the car upon which the insurance coverage is offered.   In simple terms, it is the current market value of the car taking depreciation into consideration for the purpose of insurance. Additionally, the IDV is deemed as the 'Sum Insured' which is fixed during the commencement of the car policy period.

What is No Claim Bonus?

With the help of a 'No Claim Bonus' (NCB), you can avail a discount in the car premium. You are entitled to an NCB if you don't register a claim during the previous car policy period. This discount can reduce the premium on your car insurance buy up to 50%.


What are the add-on covers available?

You can avail a number of add-on covers for your car policy. They include a Nil-dep cover, NCB retention cover (avail the NCB despite registering a claim), Roadside Assistance (Get it for free* with Reliance Car policy), enhanced Personal Accident cover, electrical/electronic accessories cover and so on.

How will a Zero Depreciation Cover Help me?

A car insurance with zero depreciation cover helps protect your car against all physical damages caused to the car without factoring in the element of depreciation. With a zero dep cover (also referred to as "nil-dep"), the entire claim amount is paid by the Car Insurance Company without considering any depreciation sum.

How will your premium be decided?

The car insurance premium is dependent on several factors:
  • Car owner – Factors such as age, claim history, residential location etc. affects the car premium.
  • Age: With age, the car’s value decreases. Thus, the car insurance premium amount decreases with increasing age.
  • Car make and model – The vehicle policy premium is directly dependent on Insured Declared Value (IDV) which, in simple terms, is the current market value of the vehicle. For instance, SUVs and diesel cars attract a higher premium amount than others.
  • Purpose of the vehicle: If you use the car for commercial reasons, you will need to pay a higher premium amount.
  • Degree of Coverage: The extent of car insurance coverage impacts the premium. If you avail higher coverage such as add-on covers, your premium increases.
  • Safety features and systems: Safety mechanisms such as airbags and anti-theft devices approved by Automobile Research Association of India (ARAI) help to reduce the premium
There are two types of coverages when it comes to car insurance. They are OD (Own Damage) and TP (Third Party) liability cover respectively.

Third Part Liability Cover: The third party cover mandatory by law and is regulated by the IRDAI (Insurance Regulatory and Development Authority of India). It covers any damage caused to a third party due to your car.

Comprehensive Damage Cover: The OD cover, though not a mandate is essential for the overall safety of you and your car and is highly advisable to avail one. In a nutshell, this cover offers coverage against any damage to your car due to risks such as accident, theft, fire and so on. Additionally, this will also cover third party insurance.​
​​

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

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 185 ratings)

Showing 10 reviews

  • “Hassle free process by Reliance”

    I applied for a car insurance policy via the reliance general website. After the purchase of the policy, I got an email of the policy. The response has been quick and I even get updates on my mail. Pretty cool.

    Ujjwal B20 June 2017, Mumbai
  • “Great buying experience on Reliance General Website”

    I wasn't sure about purchasing a policy online. I used to have an agent but I decided to buy a car policy independently this time. The online research took a while but it was definitely worth it. Got a great deal on this vehicle insurance policy and save a lot. Bye-Bye agent. Welcome online insurance purchase.

    Anand L19 June 2017, Nellore
  • “Very courteous support team”

    Very courteous support team. They guided me on chat while I was purchasing the motor insurance policy.

    Dhan CS16 June 2017, Bengaluru
  • “Reliance gives a very good no claim bonus discount”

    Reliance gives a very good no claim bonus discount. With the GST approaching, the car insurance premium will rise. So good time to buy insurance and they are giving a good discount on the vehicle policy. Discount + no claim bonus = lots of savings.

    Uruj M15 June 2017, New Delhi
  • “Best car insurance company I came across”

    I wanted to take the best car insurance company out there in the market as my Mercedes is really precious to me. A friend suggested reliance general to me and so after some preliminary research I purchased the policy. I even got a good no claim bonus discount. Thanks.

    Roslinda B14 June 2017, Chennai
  • “Road side assistance service is bang on”

    Taking my time out to appreciate the claim settlement team of reliance. The road side assistance service is bang on (the only company to give rsa free worth 500), the claims team was quick and helpful. The accident wasn't a major one but it definitely helped that these guys were there.

    Subramaniyam P14 June 2017, Nagpur
  • “Reliance call centre helped me”

    I ended up filling the quote form and left it. A guy called me on the same day, listened to what I wanted, gave me advice on how much coverage should I take on my car insurance policy and even helped me make the purchase.

    Shankar R13 June 2017, Mumbai
  • “Buying policy is very easy”

    Purchased their car insurance policy online. I was at work and busy. Luckily I just had to enter my car number, I got the quote quickly. Since I was only renewing my policy, just had to make the payment. Thanks.

    Ghanshyam S12 June 2017, Pune
  • “Free Roadside assistance rocks!”

    I was driving on the western express highway and a guy came from behind and crashed into my car. I was shocked and scared. Someone told me we�ll need a towing vehicle to take this car to the garage. This is when I used their road side assistance service I got with my car insurance. They handled the situation really well. After that day I recommend people to buy this policy.

    Nilesh S9 June 2017, Goa
  • “Overall a well-rounded policy”

    Overall a well-rounded policy. The price and the coverage are both competitive. I purchased this policy as I got a good discount. Had to buy before GST kicks in as the premium will rise due to higher taxes.

    Nilay K8 June 2017, Alibaug
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