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Car Insurance Online: Buy or Renew a Policy & Get Upto 70% Off | Reliance General Insurance
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Insure your car & get up to 70% discount*

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Why buying Car Insurance is important

The most important reason is that having a car insurance is mandatory by law. It covers losses caused due to road accident, parking mishaps, or any other that may cause damage to your car. Along this, it protects the liabilities caused to the Third-party or their property. Reliance Car Insurance will protect you under such circumstances, so you enjoy your long drives stress-free with the benefits offered under the policy, which vary depending on whether you opt for Third Party, Own damage, or Comprehensive plan.

Choose your plan carefully so it fully protects your car when needed!

Why choose Reliance Car Insurance

Attractive Discount

Get up to 70% discount* on
this policy

Cashless Garages

5000+ cashless garges all
over India

Faster Claim Service

We have settled 98% claims
in FY19-20

Multiple Add-ons

7 + add-ons available to
enhance your basic coverage

Self Inspection

Easy & hassle-free video
claims via Selfi App

OD + TP Coverage

Choose Comprehensive policy &
get both own-damage and third-party

Quick Locator

Find cashless garage near
you via Selfi App

Voluntary Deductible

Cost effective option to
lowest your car premium

Digitally Inclined

Buy, inspect or renew online

Still not sure if you need car insurance. Numbers don't lie

The poor road conditions and a blatant disregard for traffic regulations make Indian roads one of the most dangerous roads in the world. The conditions are only expected to rise in the future. We don't mean to scare you by these statistics, but it only reflects the kind of danger that the roads entail. Hence, It's better to be safe than sorry!​​


Every day, nearly 1400 accidents occur on Indian roads.
  • Other reasons for road
  • 63% off road accidents are
    caused due to overspeeding

Amazing discounts on Reliance Car Insurance

No. of years Discount
One Claim free year 20%
Two consecutive claim-free years 25%
Three consecutive claim-free years 35%
Four consecutive claim-free years 45%
Five consecutive claim-free years 50%

Different types of plans for you to choose from

  • Comprehensive Car Insurance
  • Own Damage Car Insurance
  • Third Party Car Insurance

Comprehensive Car Insurance

Taking a comprehensive plan is always advisable since it provides maximum coverage by covering both (Third Party + Own Damage). Comprehensive policy covers damage to the car due to accidents, losses incurred by the third party, damage due to natural calamities, theft, etc. Comprehensive policy is preferred by most of our customers. To know more, read the policy wordings.

Benefits of this policy
Own damage
Third-party liability
Choice of add-ons
your car IDV
Natural calamities
Personal accident
cover of Rs. 15 lacs

Own Damage Car Insurance

Damage and losses caused to your car is covered under Own damage policy. While this policy provides similar benefits as a comprehensive plan, it still it does not cover third-party damage, so you have to get a separate policy to cover up against third party losses. To know more, read the policy wordings.

Benefits of this policy
Own damage
Choice of add-ons
your car IDV
Natural calamities
Personal accident
cover of Rs. 15 lacs

Third Party Car Insurance

The most important reason to get third-party policy is that it is compulsory by law and you might end up paying hefty fines if you don't have it. As the name says, it covers all third-party damage. There is always a chance of getting in an accident with a third party in certain circumstances, with this policy, you can prevent such scenarios since it covers all liabilities incurred to the third party. To know more, read the policy wordings.

Benefits of this policy
Death/bodily injury
to a third party
Personal accident
Damage to third
party vehicle
Damage to third
party property
(limited to Rs. 7.5 lacs)
5000+ Cashless
network garages

Enhance your coverage with add-ons

Total Cover

Under this add-on the registration year of the car is inversely proportional to the monitory return. For instance, if your car is registered for 15 years and your car suffers total loss in 2 years from the beginning of the registration period, there will be an easy refund on the amount (IDV, registration cost) of the remaining 13 years and also the insurance premium in the similar format.

EMI Protection Cover

If your vehicle is undergoing repairs in one of our network garages for over 21 days, we cover the EMI charges that you are ought to pay. This will only be possible if the EMI payment is due in the time frame beyond 21 days. Example - 21 days - 1 EMI, 42 days - 2 EMI's. This add-on is only applicable for up to 3 EMIs

UIN: IRDAN103RP0001V01201920/A0014V01201920​​​

Nil Depreciation Cover

The value of your car reduces as it ages, which may have an impact on your claims. If your car is involved in an accident and you file a claim for it, you may not be able to recover the full cost of the replacement parts because the value of the parts being replaced has depreciated over time. However, Nil Depreciation add-on prevents the value from depreciating, so you can recover maximum amount possible from the claim.

UIN: IRDAN103RP0001V01201920/A0013V01201920

Engine Protection Cover

The engine is one of the most expensive part of your car, and engine maintenance may be pricey. Choosing this add-on will help you in recovering the cost of repairing your engine's wear and tear, so you can keep the engine safe.

UIN: IRDAN103RP0001V01201920/A0011V01201920

NCB Retention Cover

After accumulating your No Claim Bonus (NCB) percentage over the years, if you make a claim, the percentage drops to nil and you have to start over. When you opt for this add on and make your 1st claim, your NCB percentage will remain unaffected.

UIN: IRDAN103RP0001V01201920/A0008V01201920

Daily Allowance Benefit

If your car breaks down and needs repair, you can rely on us and our cashless garages. With this add-on, you can earn up to Rs.5000 in your daily allowance every day for your travel. This add-on is only applicable for 2 more claims & if the car takes more than 3 days to repair.

UIN: IRDAN103RP0001V01201920/A0010V01201920

Return to Invoice

Return to Invoice cover (RTI), is an add-on that provides full reimbursement, i.e., the final invoice value of the car, if it is stolen or completely damaged, including registration cost, current IDV, tax invoices, and so on. RTI is additional coverage that can be opted to enhance the regular plan.For eg -If your car's IDV was 5 lacs at the time of purchase and has depreciated to 4 lacs with the replacement value of 6 lacs, this add-on helps you avail full replacement costs as well as the current IDV, which is 5 + 6 lacs = 11 lacs in total.

Compare your plan

90% Customers
Choose This Plan
Own Damage Third Party
Damage to your own vehicle
Damage to third-party vehicle / property
Customize car IDV
Insured's Declared Value(IDV) is the present market value of a car. It is calculated by adjusting the current listed selling price of the car with depreciation percentage
Damage due to fire
Damage due to natural calamities
Losses due to theft
Optional Add-ons      
Personal accident cover
No claim bonus retention cover
Daily allowance benefit
EMI protection
Nil depreciation
Total cover
Engine protection
Return to ​​invoice cover​

Car insurance exclusions

  • Depreciation/Consequential loss

    No insurance policy covers the loss incurred due to depreciation of the car value, unless you opt for the Nil depreciation Add-on, to cover the cost of the depreciating value or the car and its parts.

  • Drunk driving

    If the person driving is under the influence of alcohol or any other intoxicating substances, the insurance won't cover any loss occurring during that period.

  • Damage due to negligent behavior

    The damage occurred due to rash driving, speeding or not following the road rules will not be covered under the insurance.

  • Breach of policy wordings

    Policy doesn't cover any damage that occurs due to the violation of the policy's terms and conditions. to know the policy wordings.

  • Lack of requisite add-on covers

    A standard car insurance policy doesn't cover every type of damage caused to the vehicle. The coverage depends on whether you have the necessary add-on.

  • Damage due to war/nuclear risks

    The policy doesn't cover any damage that occurs due to war or any nuclear emergency.

Easy & faster claim process

Register Claim

You can register your claim with the help of the Selfi App through the video claim facility or call on
(022) 4890 3009 (Paid Number)

Claim Approval

After uploading the required documents, wait for your claim to be approved. You can track the progress on the Selfi App

Vehicle delivery

The claim will be settled after the approval and the vehicle will be delivered.

How to save on car insurance premium?

  • How to save IDV

    Insured declared value (IDV) of your car is a sum assured amount when you raise a claim during the policy period. Decreasing the IDV value will result in lower premium. Hence its important to know your IDV

  • Become AAI Member

    AAI stand for automobile association of India through which you can avail discounts or benefits if you are at member of any recognized association.

  • Increase the Voluntary Deductible

    This is a cost-effective option that allows you to lower your premium by agreeing to pay a minimal cost while claiming. Opting this helps in lowering premium, therefore, the higher the deductible amount, the lower will be your car insurance premium.

How to renew expired policy​?

Three ways to renew your policy

You can renew the policy via 3 platforms, namely, Selfi App, RGI website or by visiting your nearest branch

Fill in your details

Fill or re-check your basic details, like, your contact number, policy number, registration number and so on. We recommend you to keep your documents handy for convenience.

Self Inspection

In case of break-in(renewal due for over 90 days), an extra step of self inspection via the selfi App is added, after which you have to wait for the renewal.

Car insurance FAQs

  • Quick Facts
  • Policy
  • Cover
  • Premium
  • Claim
  • Complain

Quick Facts

Why do I need to insure my vehicle?

The Motor Vehicles Act 1988 makes it mandatory for all car owners to have a valid insurance policy. Apart from that, you should get your car insured as it saves you from any financial liability caused due to accidents, damage or theft of your car. Additionally, car insurance covers the safety of the co-passengers, 3rd party property and pedestrians too.

What are the types of Car Insurance in India?

There are three types of car insurance: 'Own-damage insurance', 'Third-Party Insurance' and 'Comprehensive Car Insurance'.

Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc.

Third-party insurance protects you against losses, which occur due to bodily injury or death to a third party or any damage to that person's property. It is mandatory by law to have third-party insurance.

Comprehensive car insurance, on the other hand, is purchased when you want to be compensated for any damages to you, your co-passengers and your vehicle in addition to third-party coverage. That means in case of an accident, theft, fire, explosion or natural disasters, your car will be insured under a comprehensive car insurance policy. Hence this is the most preferred plan.

What are the different types of vehicles that can be insured online?

Private Car Insurance can be bought online for two-wheelers and four-wheelers. You can check your car insurance quote with the help of your registration number. Apart from this, commercial vehicle insurance can also be bought online

My motor insurance policy expired; how can I renew in case of break-in of my policy?

If your car insurance policy has expired, you can renew the policy by making payment online through our website or the Selfie App

  • You can now Inspection Yourself
  • Upload photos of your car and get your policy instantly
  • Your Inspection ID will be generated and post satisfactory inspection and recommendation by surveyor your policy will be issued

Note this is applicable only for Private Car & Two-Wheeler policy and not for Third Party Liability

Once the inspection request is logged online, how long does it take to get the car policy?

Once a request is logged in, the inspection process takes place within 24 hours.

  • A successful inspection is followed by an online recommendation made to you, by the surveyor. Within 48 hours following that recommendation
  • You will have to log-in to the website and convert your auto insurance policy

(Failing to convert your policy within that time frame means that you have to go through the entire process again.)

What is a No Claim Bonus (NCB)?

No Claim Bonus (NCB)​ is the discount in your car insurance premium enjoyed by you for not having made a claim in the previous year(s).

This discount can be accumulated on a yearly basis starting from 20% at first claim free renewal, 25% in the second, 35% in the third, 45% in the fourth and 50% in the fifth and continued for subsequent claim free years.

Reliance General Insurance has introduced the No Claim Bonus retention add-on cover with private car insurance. This helps you to retain your valuable No Claim Bonus at a small additional premium.

What are the documents required to buy car insurance policy online?

Zero documentation is required to buy a car insurance policy online. You can get your car insurance quote within seconds by entering your registration number in the form above. This makes things really simple. However, you will have to provide details like:

  • Car Registration number
  • Engine number
  • Chassis number
  • Previous car policy number (if you have any)
  • Car manufacturing date (mm/yy)
  • Date and city of car purchase
  • Your contact details (address, phone no and email id)
What are the benefits when you buy car insurance online?
Ease of buying

One of the biggest advantages of buying car insurance online is that it is convenient and it simplifies your purchase decision. You can do it anywhere according to your comfort,

  • Compare different four-wheeler insurance policies available in the market
  • Find competitive car policy rates
  • Simply click a button and buy a four-wheeler vehicle policy online

Since there is a long list of general insurance companies offering online car insurance, finding the best automobile insurance that suits your needs and gives you maximum benefits is easier.

Added Benefits

Also, online car insurance offers other facilities like Renewal reminder Secure payment gateway and tracking

Getting an Estimate of your car insurance policy premium

You can also calculate your car insurance quote/premium online and get an idea of the kind of expense you would need to bear for buying the plan.

Pay for your car policy in minutes

You can pay your premium using either of the options like net banking, debit card or credit card. You can also use other payment options like UPI and Paytm.

Can I renew my car insurance policy online?

Yes, you can. You can now renew your car insurance online in the comfort of your home. Here are the steps that you need to follow-

  • Visit -
  • Enter your car insurance policy and Registration / Engine number and click on 'Renew My Policy' to proceed
  • You will then see the details of your policy. If needed, you can update your contact details here
  • Post confirming the details you can choose several add-ons and optional coverage as per your needs
  • Next, you will be presented with the final premium amount along with the associated break-ups
  • Your car ​​and nominee details are fetched from the system. You just need to confirm all your details and click on 'Pay' to go to the payment page
  • Once the payment is successful, your car insurance policy renewal is complete
Is my NCB transferable?

Yes, it is!

If you have accumulated NCB, at the time of renewing your existing 4-wheeler insurance policy, you can transfer the NCB within 90 days of your renewal due date. If you wish to change your insurance provider at the time of renewing your car policy, you can enjoy your NCB discount by getting it transferred as well.

What is the rate at which NCB is transferred?

The NCB will be transferred to Reliance General Insurance at the same rate you are entitled to get from your previous car insurance company provider while renewing your car policy.

However, remember to provide the No-Claim Bonus certificate from your previous insurance company to ensure the transfer.

In case of my job and place change, what happens to my motor policy?

The policy remains more or less unaffected even if you move. Details you need to change your contact details i.e.

  • Your new address and
  • Phone number

This can be done online or at any Reliance General Insurance branch closest to you.

Your car insurance premium might change depending on the city you're moving to. This is simply because motor insurance rates are fixed based on the registration zone of the car. All metro cities (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune) are part of Zone A, which has a higher rate of premium than the rest of the country (Zone B). So, if you're moving from a Zone B city to a Zone A city, your motor car insurance premium will increase and vice versa.


How do I get a copy of my car insurance policy online? Will the printout of the softcopy serve as the original document?

Just log on to or your Selfi App and click on your profile. A soft copy of your four-wheeler policy document will be available for download. A print out of this document definitely serves as the original policy document.

What is an endorsement? What is premium and non-premium bearing endorsement?

An endorsement is a written proof of an agreed change in the auto insurance policy, as and when the need arises. There can be two types of endorsements: premium bearing and non-premium bearing.

In a premium-bearing endorsement, you will be charged an additional premium for things like transfer of ownership, addition of LPG / CNG kit, change of RTO location, etc.

In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy. For example, correction in contact details, correction in name, correction in engine / chassis number, addition of hypothecation, etc.

What changes can I make in my car insurance policy? How do I send that for endorsement?

You can make changes to your car policy only in the following cases:

  • Either the name, registration number, engine number, chassis number or model number of your four wheeler vehicle has to be corrected.
  • There is a change or correction in your address
  • There is a change in car, RTO or registration number of your vehicle
  • There is an addition of LPG / CNG kit, electrical / non-electrical accessories, anti-theft device, addition or change of hypothecation in your car.
  • There is a NCB recovery or change.For an endorsement, you simply need to raise a service request online, by logging onto our website:
What happens to the 4 wheeler insurance policy, if I sell my car?

Then you can do one of the following two things.

  • You can transfer your existing automobile insurance policy to the new owner of the car.​
  • You can cancel this policy and tell the new owner to buy a new policy for the car.
  • However, the policy can only be cancelled once we receive a copy of the new policy. This is because it is mandatory for any car to be insured, at least against third-party liability. Also keep in mind that you can enjoy a No-Claims Bonus on the premium for your new vehicle, if you purchase it within 3 years from date of cancelling / transferring the old policy.
What is loading?

Loading is an additional cost that is added to the car insurance premium when a policy is renewed. This additional cost only comes into effect if the risk to the car policy owner is judged to be as 'higher than normal'.


What risks are covered under Reliance motor insurance policy?

The auto insurance policy covers damage or loss to the car due to:

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

Apart from this, your car insurance policy covers policyholder against any accident or mishap. It can also cover a third-party entity, if the option is availed which covers third-party property damage and provides liability for the third-party in case of injury or death.

Finally, we also bring to the table some add-on covers that will help to customize your motor insurance policy, just like you've customized your car. The additional covers that you can choose to add-on are for:

  • Electrical or Electronic Accessories
  • Non-Electrical Accessories
  • Bio-Fuel Kits Comprising LPG/CNG Systems
  • Legal Liability to Employee, Paid Driver, Cleaner & Conductor
  • Racing & Speed Tests
  • Dexterity Trials & Hill Climb Extensions
What do you mean by Add-On Cover?

Add-on covers add extra protection and cover benefits to your car insurance policy. It helps you customise your policy based on your requirements.

Some of the add-on covers we recommend and offer to you are:

  • No-Claim Bonus Retention Cover
  • Nil Depreciation Cover
  • Personal Accident Bundle Cover
  • Motor Secure Plus Cover
  • Motor Secure Premium Cover
​What is NCB Retention Cover?

This add-on cover helps you to retain your earned No-Claim Bonus (NCB) percentage, even after you've made a claim. Without this additional cover, your NCB would drop to 0% if you've made a claim in the previous car policy period.

There are a few conditions -

  • The coverage is available only for private cars.
  • The age of the car should be 2 years and above.
  • The NCB percentage of the vehicle should be 25% and above.

Also, the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to Rs. 10 Lacs only.

For example, assume that you have earned 20% NCB on your previous year's car policy and the IDV of your car is Rs. 10 lakhs. Now on this car, if you've made any claim up to Rs. 2.5 lakh, you will still be eligible for a 20% NCB if renewed with us.

If you want to avail of this facility, all you need to do is pay a small amount of additional premium.

What is Nil Depreciation?

This add-on cover entitles you to get 100% repayment on the depreciated parts (other than tyres and tubes) at the time of claim settlement. You can opt for a Nil Depreciation Cover when you get a new car insured or for two subsequent renewals.

By paying a minimal, additional charge on your car insurance quote, you can benefit by availing repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts.

Note - We cover only private cars and two wheelers, with a maximum of two claims in one policy period. This cover is applicable only for select make and models.

​What is the Total Cover add-on? How is it beneficial?

Total cover add-on is very beneficial in case your car gets completely damaged in an accident or if it is stolen. In such case, the total sum of the expenses paid for the vehicle insurance, registration charges and road tax is reimbursed proportionately.

What is a Voluntary Deductible?

Voluntary deductible is an amount that you agree to pay towards a claim (in addition to the compulsory deductible) before the insurance company picks up the balance. It is a fixed and minimum amount that you declare to pay when you make a claim. This amount is inversely proportional to your premium. The higher your Voluntary Deductible amount, the lower is your automobile insurance premium.

For example, if your claim amount is Rs. 20,000 and the voluntary deductible is Rs. 3,000 then you have to bear the first Rs. 3,000 and the claim will be worth Rs.17,000.

We will award you with a suitable discount based on the following table.

Voluntary Deductible Amount Discount
Rs, 2,500 20% on the OD premium * of the vehicle, subject to a maximum of Rs. 750/-
Rs. 5,000 25% on the OD premium of the vehicle, subject to a maximum of Rs. 1500/-
Rs. 7500 30% on the OD premium of the vehicle, subject to a maximum of Rs. 2000/-
Rs. 15000 35% on the OD premium of the vehicle, subject to a maximum of Rs. 2500/-

*Own Damage premium.

​What risks are not covered under Reliance Motor Insurance Policy?

The risks that we don't cover in this car insurance policy are as follows:

  • Normal wear-and-tear of the car
  • Mechanical and electrical breakdown
  • Cars being used outside of the limitations placed on the usage
  • 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 i.e. any indirect losses caused due to the car's damage / loss
  • Compulsory deductibles i.e. a fixed amount that the insurer will have to bear
What is Third-Party Liability Cover? Is it part of my policy?

The most important reason to get third-party policy is that it is compulsory by law and you might end up paying hefty fines if you don't have it. As the name says, it covers all third-party damage. There is always a chance of getting in an accident with a third party in certain circumstances, and with this a policy like this, you can prevent such scenarios since it covers all liabilities incurred to the third party.

What is Personal Accident Insurance cover?

This personal accident cover provides compensation in case of death or permanent disabilities due to an accident involving the insured vehicle.

  • CPA (Compulsory Personal Accident –Owner Driver) for 1 Yr
  • Mandatory Cover
  • Unbundled recently by IRDAI
  • Policy Duration 1 Year
  • One CPA policy covers the insured for all the vehicles owned by him/ her.
  • To be eligible for Compulsory Personal Accident
  • The insured has to be the owner of the vehicle
  • Should have a Valid Driving License
  • SA Limit is Min Rs. 15 lacs. (In case insured has other PA policies differential SA can be opted by insured)

Customer can opt-out of this cover if he already has other PA cover covering (Death & Permanent Disability) up to the extent of minimum Rs. 15 lacs or is covered with other CPA policy under motor insurance in other vehicles owned by him.

In what scenarios can I make a Personal Accident claim?
You can claim the PA cover only if the car Insurance Policy is under your name and you are the registered owner of the car and have an owner-driver, paid-driver or unnamed passenger cover.
​Am I eligible for a discount if I am a member of Automobile Association of India?

Yes, we do offer car insurance discounts to members of certain associations. So, if you're a member of any of the following automobile associations, you are eligible for a discount:

  • Automobile Association of Eastern India
  • The Western India Automobile Association
  • The Automobile Association of Southern India
  • The Automobile Association of Upper India
  • The Uttar Pradesh Automobile Association
What is IDV and how is it calculated?

IDV stands for Insured's Declared Value (IDV). This is the present market value of a car. It is calculated by adjusting the current manufacturer's listed selling price of the car with depreciation percentage as listed in the table below:

Vehicle Age % of Depreciation
< 6 months 5%
> 6 months but <= 1 year 15%
> 1 year but <= 2 years 20%
> 2 years but <= 3 years 30%
> 3 years but <= 4 years 40%
> 4 years but <= 5 years 50%
What are electrical and non-electrical accessories? How do you calculate their value?

Electrical accessories are any electronically powered accessories that are part of your car. Example - music systems, LCD etc. which are not manufacturer fitted. You can protect electrical accessories, which are not factory fitted, by paying an extra premium of 4% on the value of the item. The value of the item is as stated by you i.e. the insured.

Non-electrical accessories include anything from wheels to seat covers, which are not manufacturer fitted. Protection for these can be achieved by paying an extra premium on the invoice value of your car insurance quote.

What is meaning of the phrase 'legal liability of the paid driver'?

A paid driver is someone you have appointed to drive your car. If this driver meets with an accident while driving your car, you will need to compensate him / her or that person's family for the injury or loss of life.

If you choose to include the option of 'legal liability for paid driver', then we, the insurance company, will pay this compensation amount. This cover is easily included with an additional premium of Rs. 50/- irrespective of any period of insurance, not exceeding 12 months.

If I have LPG or CNG kit fitted in the car, but it's not endorsed in the RC book, will it be covered in the policy?

No, we will issue the insurance policy only if the LPG / CNG kit is incorporated on the Registration Certificate (RC) by the concerned RTO.

If I purchase new accessories for my car, can I get them insured in the middle of the insurance policy term?

​Yes, you can!

However, you will have to make a written request to us and share the details of the accessories. Depending on the accessories, you may also need to pay an extra premium on your automobile insurance.


Which factors affect / reduce the premium or insurance quote of my car?

Factors that affect / reduce car insurance quote are:

  • Insured Declared Value or IDV (present market value of the car)
  • Cubic Capacity (CC) of the car
  • Place of registration (Zone A / Zone B)
  • Type of model
  • Age of the car
  • Type of cover - whether you want comprehensive or third-party vehicle insurance cover only
  • Add-on covers chosen by you
  • No-Claim Bonus retention (this gets you a discount on the premium)

What is an ARAI-approved car-theft device?

ARAI stands for Automotive Research Association of India.

If you have installed an ARAI-approved anti-theft device in your vehicle, whose installation is certified by the agency, you recieve a discount of 2.5% on the OD (Own Damage) premium subject to maximum of Rs. 500.

What are the different modes of payment accepted online? Are there different schemes?

Online Payments for your car insurance definitely make life easier. At Reliance General Insurance, you can pay your car insurance premium in following ways:

  • Credit Card​
  • Netbanking
  • Debit Card using ATM PIN
  • Debit Card using 3D secure

We accept all Visa, Mastercard, American Express cards and other international credit cards. You can also use other payment options like UPI and Paytm.​

Am I eligible for a car insurance discount if I install anti-theft alarm and locking system?

Yes, you are!

When you mention the anti-theft and locking system installed on your car, the car insurance quote decreases relatively. We award a discount on the Own Damage premium if your car is fitted with an ARAI-approved anti-theft alarm and locking system.

Does the car model affect the cost of Car insurance?

Yes, it does.

The brand, make and model of the car dictates the car's price. Since the car insurance premium is directly linked to the sum insured, the car model has an impact on the insurance cost. To know the premium for your car insurance policy, simply fill in your details and the vehicle registration number. A car insurance quote will be generated to give you an estimate of the premium.

Check out: Car Insurance By Brand​ And Model


How do I register my claim?

As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately.

Paid Number- +91 22 48903009

You can also directly register your claim online. Click here to download the form or through the Selfi App

What documents are required to file a claim?

Here's a list of documents you should keep ready while making a claim.

Accident Damages:
  • Completed claim form
  • Proof of Automobile Insurance - Policy / Cover Note copy
  • Copy of Registration Book, Tax Receipt (Original required for verification)
  • Copy of Motor Driving License (with original) of the person driving the vehicle at the material time
  • Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
  • Estimate for repairer, where the vehicle is to be repaired
  • Repair bills and payment receipts after the job is completed
  • Any other document as required by the insurer
  • Theft Cases:
  • Original Certificate/Vehicle Policy Document
  • Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
  • Previous Insurance Details
  • Policy number
  • Insuring office / company
  • Period of insurance
  • All the sets of keys/service booklets/Warranty card
  • Police Panchanama / FIR and final investigation report/JMFC report
  • Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
  • Any other document as required by the insurer
When should I report to the police?

You should report to the police immediately by contacting or going to nearest police station in case there is damage to any third-party property, bodily injury to third party or self, or theft of the car.

In the event of an accident or a mishap, be assured of complete assistance from us to get you back on the road. Keep your car insurance papers in your automobile at all times.

What to do if my car is stolen?

​You should immediately report to the police before registering any claim as a delay in reporting will affect your claim, as an insurance company could deny liability.

What is cashless and non-cashless / reimbursement claim?

​Cashless Claim: A cashless claim is one, where physical cash does not have to exist during the settlement of the claim. We, the insurers, will pay the repair charges of the car directly to the garage.

However, this is possible only if the garage is part of our listed network of garages.

Non-Cashless / Reimbursement Claim: This type of payment or settlement occurs when you choose a garage that is not part of our network. In this case, you need to make the complete payment to the garage at the time of the repairs.

Later, you can get this amount reimbursed by submitting the original bills and payment receipts to our office.

Can I choose not to claim if the damage is minimal? What do I gain out of it?

If the damage to the car is minimal, it is always a good idea not to make a claim on your car insurance plan. This will help you to benefit from the No-Claim Bonus (NCB) for every claim-free year.

If you don't make any claim on your car insurance policy for a few years, the NCB can reduce your premium cost to half the price. In fact, it could very well be the case that the amount you spend on small repairs occasionally is lesser than the amount you stand to lose as No-Claim Bonus.

How can I cancel my claim?

You can cancel your claim by calling our helpline number:

Paid Number: ​+91 22 48903009​
Where can I view the list of cashless garages in my city?
What do you mean by Constructive Total Loss?

​If the repair cost of your car (in case of an accidental loss or damage) is more than its current value, it is known as a constructive total loss.

A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV.​

If I lodge my claim after the vehicle insurance policy expires for the event that occurred during the policy term, will the claim be valid?


If the event of loss or damage took place during the policy period, you will be eligible for the claim even after the policy has expired.

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Car Insurance 'Reviews'

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​T&C apply. *​Discount is applicable on OD premium. ​All the Toll Charges will be borne by Customer. Towing Services are free of charges for Garages present with in 25 kms from breakdown location. Towing to Garages beyond a radius of 25 km from breakdown location will be chargeable. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. OD Policy will be issued / renewed only if TP policy is​ in force. ​For more details on risk factors,​ ​terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. ​Details mentioned here are for the product- Reliance Private Car Package Policy.UIN: IRDAN103RP0010V02100001,​ Reliance Private Car Policy- Standalone Own Damage​ (UIN- IRDAN103RP0001V01201920​), "A​" Policy for Act Liability Insurance. UIN- IRDAN103RP0003V01200102​.