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
|Get up to 70% discount* on this policy|
|5000+ cashless garges all over India|
Faster Claim Service
|We have settled 98% claims in FY19-20|
|7 + add-ons available to enhance your basic coverage|
|Easy & hassle-free video claims via Selfi App|
OD + TP Coverage
|Choose Comprehensive policy & get both own-damage and third-party|
|Find cashless garage near you via Selfi App|
|Cost effective option to lowest your car premium|
|Buy, inspect or renew online anywhere-anytime|
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!
Amazing discounts on Reliance Car Insurance
No Claim Bonus is reward offered to car owners for not claiming in the previous year, this discount can be collected over time since it increases with each claim-free year, starting from 0% and up to a maximum of 50% after five claim-free years.
This is a cost-effective option that allows you to lower your premium by agreeing to pay a minimal cost while claiming. Opting for this help in lowering premium, therefore, the higher the deductible amount, the lower will be your car insurance premium.
AAI stand for automobile association of India through which you can avail discounts & benefits if you are at member of the AAI club.
Anti-theft devices are tools installed to protect the vehicle from theft. If your car has anti-theft equipment, you can get a discount as it enhances the security of the vehicle and will lower the insurance premium as well.
Different types of plans for you to choose from
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
Benefits of this policy
|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
Benefits of this policy
|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
Benefits of this policy
|Death/bodily injury to a third party|
|Damage to third party vehicle|
|Damage to third party property|
|5000+ Cashless network garages|
Enhance your coverage with add-ons
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
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.
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.
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.
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.
Return to Invoice
It covers the financial shortfall between the amount You receive under Section 1 (Own Damage) of the policy and the purchase price of the vehicle in case the vehicle suffers total Loss/ CTL following an accident or is stolen during the period of insurance. It also covers the first time registration charges, road tax & insurance cost .
Compare your plan
90% Customers Choose This Plan Comprehensive
Damage to your own vehicle|
Damage to third-party vehicle / property|
Customize car IDV
Damage due to fire|
Damage due to natural calamities|
Losses due to theft|
Personal accident cover|
No claim bonus retention cover|
Daily allowance benefit|
Return to invoice cover ||
Car insurance exclusions
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.
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
|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)
|After uploading the required documents, wait for your claim to be approved. You can track the progress on the Selfi App|
|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…Read more
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.|
|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.|
Have a look at the articles on car insurance
How to Choose the Right Car Insurance Policy?
Buying car insurance for your ride is quite a task unless you are an expert at it. If you are car is not older than five years, there are chances that you.
Renew your Car Policy on Time to Save Unnecessary Expenses
With the update in the Motor Vehicle Act 2019 it has become even more essential to know about the various aspects that affect you as an owner of a vehicle. Motor insurance is a major aspect that you need to know about.
Compulsory Voluntary Deductibles in Car Insuran
When it comes to insurance, there are a lot of things pertaining to coverage and claims that we remain unaware about. This should be avoided since it is always helpful to understand your insurance policy thoroughly so that there you are not distressed during a claim.
Car Insurance Benefits in Case of Natural Disasters
Natural disasters can occur anytime, causing immense damage to your belongings when you least expect it. Nature's wrath can be as distressing as detonating a massive bomb.
Got some questions? You can call us on +91 22 48903009 regarding any queries while buying car insurance online.
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.