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Car Insurance

Benefits

​​​Your car needs the best care. After all, it is a possession that is close to your heart.  Thus it only makes sense to ensure that your car is secure and safe in the best possible way. And you get exactly that with a Reliance Car Insurance policy. 

With roadside assistance and 38​00+ garages, it is the comprehensive cover that will make sure that every ride is a joy ride! There’s more, you also get a discount of upto 65%*. 

  Short on time? Now get the best quote with just the car number! ​

Key Features and Benefits of a Reliance Car Insurance Plan

  ​Get FREE  Roadside assistance​  worth Rs.500 ​with Reli​​ance Car Insurance​​​​   

​​​​Upto 65discount on Reliance Car Insurance today!*​

       
  Your car insurance expired​? Renew it instantly online ​without any paperwork
   Cashless facilities across 
38​00+ garages​ in our network
       
  To renew existing Reliance Car Insurance policy online click here​ ​  ​​​


In addition to a host of useful features, you can always bre​athe easy in times of distress with us by your side. During a claim, you can rest assured in the fact that it will get settled smoothly with a minimum turnaround time. With our car policy, you will always have a buddy you can rely on.​ Our motor insurance policy​ caters to your car's safety need.

*Discount applicable on select models,brands 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. In case of theft or total destruction of your automobile, IDV is the compensation that the insurance company will provide. 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 insurance 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 insurance premium.
  • Age: With age, the car’s value decreases. Thus, the car insurance premium amount decreases with increasing age.
  • Car make and model – The automobile insurance 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 four wheeler 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 car 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
  • Landslide​
  • Rockslide​
  • Hailstorm​
  • Frost
  • Tempest
  • Hurricane
  • Typhoon

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 that comes totally free of charge along with our motor car insurance policy. With our car insurance policy 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. This insurance cov​ers third-party property damage and provides liability for the third-party in case of injury or death. Simply put, this car insurance 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 automobile insurance to cover all types of situations, it isn't possible. Some of the exclusions in our car insurance policy 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 under our motor car insurance
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim
  • Depreciation Cover shall not be applicable for theft & total loss claims 

​Yes, we at Reliance General Insurance offer you many attractive discounts. While buying our insurance policy, you enjoy the following offers​

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 your vehicle insurance 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 on your four wheeler insurance policy 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 car insurance 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 along with your vehicle insurance will also benefit you in the long run. Be sure to have a look at the add-on optionsx

Benefits

Add-on covers with your car insurance 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 car insurance 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 vehicle insurance policy with us or even a previous policy from another car insurance 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 car insurance 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 an automobile insurance 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. By including this add-on to your car insurance cover, 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 vehicle insurance 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 vehicle insurance 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 motor 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 automobile insurance 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 with your vehicle insurance:

  • 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 car insurance 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 car 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 motor 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 motor insurance 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.
For any queries while buying car insurance online, you can call us on 18003009​

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
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