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Car Insurance

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Car Insurance

Reliance Car Insurance


​​What is Car Insura​nce?

Car insurance, also known as motor or vehicle insurance, is a contract between the car owner and an insurance company. Under this, the insurer provides financial coverage against any loss or damage that may occur due to theft, accident, or calamities. It further protects you against any third-party losses or damages caused by your car. You can buy car insurance by paying the premium cost and enjoy financial coverage to an extent that is outlined in the policy.

​​Why b​uying Car Insurance is important?​

​As per the Motors Vehicles Act, 1988 of the Indian Penal Code, it is mandatory for all vehicle owners to have a third-party liability cover. A third-party cover protects you only against any financial losses or expenses arising out of damage or loss of property, physical injury, disability, or death caused to a third party due to your car.

However, comprehensive or own-damage car insurance covers the costs of losses and expenses arising out of damage to your own car as well. Buy a car insurance policy now to get a wide range of coverage and benefits depending upon the policy you choose. You can choose a third-party cover, an own damage cover, or a comprehensive plan.​​

​Why choose Reliance Car Insurance​

We offer a wider range of services and assistance to ensure that our customers do not have to go through any hassles:​

High Coverage

Buy comprehensive car insurance to cover third-party and own damage

Claim Settlement Ratio

Reliance Car Insurance has a claim settlement ratio of 98%

Attractive Discount

Avail attractive discounts that bring down your premium cost for a robust policy

Cashless Garages

Access to a network of 8,200+ cashless garages


Choose from 7 add-ons to strengthen your basic car insurance plan


Make claims by doing self-inspection via video using the Selfi App

Quick Locator

Use the Selfi App to locate the nearest cashless network garage

Voluntary Deductible

Cost effective option to lowest your car premium


Buy or renew car insurance with a few clicks anytime from anywhere​

Discounts on Reliance Car Insurance​​

  • No Claim Bonus

​No Claim Bonus is the reward you get as a discount on your premium at the time of your car insurance renewal if you do not raise any claim in the preceding year. The NCB increases with every claim-free year and goes up to a 50% discount on the premium.​

  • ​​​Voluntary Deductibl​e

​​​Voluntary deductible is the percentage sum of the claim that the policyholder chooses to pay out of his/her own pocket. The higher the voluntary deductible would be the lower will be the premium for your car insurance.​

  • AAI Benefit

AAI stands for Automobile Association of India. If you are a member of AAI, then you can avail a discount on the premium along with a wide range of services and assistance.​

  • Anti-theft System Installed

​Installing an anti-theft system in your car reduces the risk of car theft and thus claims. This makes your car less prone to losses and you enjoy the benefit of a discounted premium for your car insurance policy.​

Different Types of Plans for You to Choose From

There are primarily three types of car insurance plans:​

Comprehensive car insurance​

A comprehensive car insurance policy is an all-around extensive plan that provides coverage for both third-party liabilities and own car damages or losses. In addition to theft and accidents, a comprehensive car insurance policy also covers the losses arising out of natural calamities, lightning, collisions man-made disasters, vandalism, explosions, and more.​

Benefits of this policy

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

Own car dam​age insurance

Own car damage insurance offers coverage for the losses or damages to your car. It allows the insured or the owner of the car to avail of flexible coverage depending on his/her needs and preferences.​

Benefits of this policy

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

Third-party car insurance

Under the Motor Vehicles Act, 1988, third-party insurance is mandatory for all vehicles. A third-party car insurance policy covers you against the financial losses or expenses that you will have to bear in case you are liable for the loss or damage of property, physical injury, disability, or death caused by your car. It also covers the cost of legal expenses that you may have to incur.

Benefits of this policy

Death/bodily injury to a third party
Personal accident cover
Damage to third party vehicle
Damage to third party property
8​,​2​00+ Cashless network garages
​ ​

Enhance​ Your Coverage with these Add-ons​

Choose from these 7 add-ons that you get with Reliance Car Insurance:

Total Cover

In case of a Total loss, Constructive Total Loss, or Theft claims, the Reliance Car Insurance provides an add-on of Total cover. This add-on cover indemnifies the policyholder for the amount spent on the registration fee, octroi, or any other fee levied by the government like road tax along with the insurance premium that has been paid out until the event of total loss or theft.

EMI Protection Cover

If your car is being repaired in one of our network garages and is retained for more than 21 days, under this add-on cover, Reliance Car Insurance will pay for your EMI. Note that this add-on is applicable for 3 EMIs. Also, an EMI is paid out only if the car undergoes repair through a set of 21 days. The second EMI will be paid if the car is kept in the garage for 42 days and likewise.​

UIN: IRDAN103RP0001V01201920/A0014V01201920​

Nil Depreciation Cover

Depreciation is the wear and tear that happens over time due to usage. As time passes, the value of your car decreases which reduces the insurance coverage amount. The Nil Depreciation Cover add-on provides the full cover without deducting the costs of depreciation. This add-on allows you to get the whole replacement value and not the depreciated value of the replaced parts.

UIN: IRDAN103RP0001V01201920/A0013V01201920​

Engine Protection Cover

With the Engine Protection Cover, you will stay guarded against the cost of repairing your engine or gearbox because of water ingression or leakage of the lubricating oil spilling in into the engine. These events are not covered under a standard stand-alone or even comprehensive car insurance policy and can cause a major financial expense.

UIN: IRDAN103RP0001V01201920/A00​11V01201920

NCB Retention Cover

No Claim Bonus is the reward you get for a claim-free year. It is applicable only at the time of car insurance renewal. However, the NCB drops to zero as and when you make a claim on your policy. With an NCB Retention Cover, you can keep and maintain your NCB despite making a claim in the policy year and thus, reap the benefits of a lower discounted premium.

UIN: IRDAN103RP0001V01201920/A0008V01201920​

Daily Allowance Benefit

If your car is getting repaired in one of our network garages and stays there for more than 3 days, you can get a daily allowance covering the cost of your travel or commutation until the car is returned.

UIN: IRDAN103RP0001V01201920/A0010V01201920​

Return to Invoice

In case of a total loss or theft, a standard comprehensive car insurance policy pays the insured a sum equal to the IDV or Insured Declared Value. IDV is the maximum amount that the insurer will cover, and is based on the current market value of the car. The current value of the car and the purchasing value of the car are different. The Return to Invoice add-on cover allows you to cover the difference between the IDV and the original price of the car.​​​

Compare your plan

90% Customers​ Cho​ose This Plan Comprehensive​



Own Damage

Third Party​​

Dama​​​ge to your own vehicleYes
Damage to third-party vehicle / propertyYes
Customize car IDVCar Insurance
Damage due to fireYes
Damage due to natural calamitiesYes
Losses due to theftYes
Optional Add-ons

Personal accident coverYes
No claim bonus retention coverYes
Daily allowance benefitYes
EMI protectionYes
Nil depreciationYes
Total coverYes
Engine protectionYes
Return to invoice c​over​Yes



​​​Car Insurance Exclusions

Below is a​ list of things/instances that are not covered under the standard car insurance policy:

Driving while intoxicated

Any claims of incidents or accidents when the insured was intoxicated cannot be submitted.


Any loss or damage arising out of a mechanical or electrical breakdown is not covered under the policy.


It is the default setup. No coverage is provided for the usual wear and tear that a car undergoes because of ageing and usage.

Driving without a Driver’s Licence

It is illegal to drive without a valid driving licence. No claims will be covered if the car undergoes any damage while being driven by a non-licensed person.

War or Nuclear Risks

The coverage outlined in the policy document is not applicable in times of a declared war, or nuclear risks.

Consequential Losses

​Any loss or damage occurring to the car as a consequence of the original damage will not be covered under your car insurance policy.

Consumables Not Covered

​No coverage is applicable on consumables like brake oil, engine oil, radiator coolant, and likewise.

​Easy and Faster Claim Process​

With Reliance Car Insurance, you can make a claim in three quick steps:​


Regi​​ster Claim

You can register your claim by making a video inspection using the Selfi App or you can call ​(022) 4890 3009 (Paid Number)

Submit Documents

You will have to submit details and documents such as the registration number, policy number, car and model type etc.​

​Claim Approval

After submitting the documents, you will have to wait for the claim to be evaluated and approved. You can check the progress of the process in the Selfi App.​


After the claim is approved, it will be settled, that is, you will be covered for the loss or the damage that happened.​

How to Save on Car Insurance Premium?

Check Car Premium Quotes

​Check the coverage and the associated premium of different car insurances online. You can check the benefits, service clauses, coverage, and add-ons by comparing the plans of varying insurers. Choose a plan whose premium and coverage are in line with your budget and requirements.

Check Available Discounts and Offers

The car insurance market is quite competitive. Quite often insurers give out several offers, discounts, and packages that can in aggregate reduce the premium amount significantly. Look out for such discounts.

Raise Your Deductible

There is a part of the claim that one has to pay compulsorily. However, you can choose to increase the amount of your voluntary deductible. The higher the deductible, the lower would be your premium amount.

No Claim Bonus

The reward that you get for every claim-free year is called No Claim Bonus. It is given out as a discount on the premium amount when you renew your car insurance. Be a disciplined driver and maintain your car well, so that you can go claim-free year after year.​

How to Renew Expired Policy?

You can renew your car insurance policy either through the Selfi App, by visiting the Reliance General Insurance website, or by calling us at +91 22 4890 3009. Here are some quick steps to renew your car insurance online:​

  • On the RGI webpage, choose car insurance.
  • Enter the details of your car and check insurance policy renewal quotes.
  • Fill in and submit details such as name, email, car’s registration number, insurance policy number, policy expiry, previous claim details etc.
  • Select a car insurance renewal plan from the available options and the required add-ons.
  • If you have gone claim-free in the previous year, enter your No Claim Bonus.
  • After filling in the required details, make the premium payment, and your car insurance policy will be renewed.​​​

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​.

Car Insurance FAQ

Car Insurance Reviews and Ratings

Average Rating:

4.2(Based on 442 ratings)

Showing 10 reviews

  • “Motor Claim Intimation”

    Overall services are excellent in Reliance General Insurance. I have registered my motor claim through speechbot. Process was good and smooth. I was able to register easily through speechbot without any problems.

    Manish Virmani12 March 2022, Delhi
  • “Motor Claim Intimation”

    Brobot is very good in terms of handling customers. I bought family health insurance from Reliance General Insurance and their team maintained professionalism with courteous demeanor which was absolutely impressive. I would definitely like to get in touch with Reliance for more plans. I'm very much happy with brobot service where I have a raised a claim for my car. I'm happy with how the claim approval was done. Even price is very less as compared to other insurance company.

    Mr. Kranthi Kumar6 November 2021, Bangalore
  • “Print Policy”

    Reliance General Insurance is one of the trusted company. I have been using my car insurance for a long time and till now I have not faced any problem. Website is maintained in such a way, where I can easily get any information at any point of time. I was looking for policy copy and have downloaded policy copy through portal very easily. Also, I don't need to remember renewal date as they remind me every time through reminder calls and messages.

    Mr.Yazershereef4 November 2021, Bangalore
  • “Health Claim Status”

    The experience with Reliance General Insurance is very good. I have reliance covid-19 protection insurance where they have settled my claim smoothly. They have easily handled my query related to claim. I habe even communicated through email and have recieved a quick response. I made the claim and it was promptly taken care of. Thanks to Reliance for settling my claim in appropriate period of time. I'm very happy with Reliance general insurance.

    Dr Smita Abhijit Gaikwad16 October 2021, Ahmednagar
  • “Good Service and the Process was Pretty Smooth”

    Reliance has given me good service and the process was pretty smooth and easy. Brobot provided a very prompt response to my query and assisted me with the required details. Thank you so much, for providing such time savings service which is most important in todays situation.....Good Job. It was very good Connecting With Brobot.

    ARPIT  DUBEY10 October 2021, Varanasi
  • “Print Policy”

    I was looking for policy copy and then I visited your website to get my policy copy. I have got all the facilities and It has become so easy for us to download policy copy through website. I am really satisfied with overall service. Reliance General Insurance has one of the best website to get the information so fast and smooth. Don't have to wait for the call to get connected in customer care . Thank you Reliance for making the website user friendly .

    Mr. Virendra Yadav8 October 2021, Andheri
  • “Motor Claim”

    It was a brilliant experience with Reliance General Insurance since I have car insurance it was too easy to intimate and track the claim from the mobile app, surveyor also assisted me properly to whom I have submitted my claim documents. He provided clear information in regards to claim also provided all the relevant information on call and guided me with proper procedure of the claim. I am happy with the service provided by the RGI.

    Suresh Patil6 October 2021, Belgaum
  • “Policy Soft Copy”

    It seems that I have got the best motor insurance plan from the website of the Reliance. The plan is attractive in nature and is valuable for me. I got this plan for my commercial vehicle. Brobot has provide me a good response but I didn't got my soft copy. So, I used to brobot and then immediately delivered the soft copy at my mail within few seconds.. Saving paper is urging a go green initate.

    Mr. Viralkumar Navik28 September 2021, Gujarat
  • “Claim Intimation”

    Reliance general insurance has provided me an excellent service. Website is designed in such a way that straight ahead details get loaded immediately. I was able to register my claim easily. Tracking information through website is much more comfortable even I could easily trace my claim status whenever required.Thank you reliance for my claim settlement in appropriate time.

    Mr. Palanivel K28 September 2021, Tamil Nadu
  • “Claim Settled”

    I had an accident last week and my car got damaged due to accident. i had no idea of the claiming process so i contacted the customer care of Reliance General Insuarnce and the executive explained the whole procedure details to me. Had a good experience with reliance through selfi mobile app which is convenient to trace the details regarding my claim at any point of time. This app from Reliance is brilliant and smooth. Thank you Reliance general insurance, I got the fastest claim settlement. Claim is accepted and processed instantly.

    Mr. Yogendra Todkari28 September 2021, Mumbai
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