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Car Insurance

Reliance Car Insurance

We believe that a car insurance policy should be quick, easy and most of all - reliable. Hence, we have come up with a comprehensive policy that not only offers optimum protection to your vehicle, but also helps you financially in case of any unfortunate occurrence. Now a dent in your car will not​ cause a dent in your finances. At Reliance General Insurance, we have quick and effective solutions for all your car insurance needs and more!

Here are few benefits offered by the policy:-

  • Instant Renewal without paperwork
  • Comprehensive Vehicle Insurance Cover​
  • A Range of Add-on covers for enhanced protection

​​​What Are The Key Offerings Of Reliance General Car Insurance​ - 

Comprehensive Damage Cover​

You may already be aware that Third Party Liability Car Insurance is mandatory as per​ law. Therefore, if you own a car, you are mandated by law to take up a Third Party Liability Cover. However, taking up a car insurance policy that doesn't compensate your own damages seems pointless, doesn't it? A comprehensive damage cover was developed to offer a broad coverage against all po​ssible damages arising from a variety of risks.

Our comprehensive car insurance policy offers protection against damages caused to your car by way of risks such as collisions, theft, fire, and so on. Additionally, a comprehensive car insurance policy also covers third-party liabilities and offers extensive protection for your car.

Add-On Covers​​

When it comes to car insurance, additional coverage is always better. You can enhance your vehicle insurance coverage protection further with our wide-range of add-on covers such as-

Nil Depreciation (UIN: IRDAN103RP0001V01201920/A0013V01201920​)​​​

Depreciation reduces the value of your cover drastically. This add-on cover compensates for the depreciating value of your car. Opt for this and you will n​ot have to bear the losses occurred due to depreciation on all parts except the tyres and tubes. This add-on cover is applicable to the following conditions​-

  • 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​​

NCB retention cover​ (UIN: ​​IRDAN103RP0001V01201920/A0013V01201920)

No claim bonus (NCB) is a discount, given by an insurer to a policyholder for making no claims during the policy term. NCB can be accumulated over the years and the discount ranges from 20% to 50% on its own damage premium. This is simply a general insurance company's way to reward the customer's good driving behavior.

NCB retention cover is a great way to assure that your safe driving and hard-earned bonus stay protected even if you make a claim. Let’s understand it with an example-

Suppose at the end of 12 months of the policy, the insured did not make any own damage claim. In this case, the insurance company provides the insured with an NCB-based discount on their premium. All the same, if the insured was enjoying an NCB bonus of 45 %, and he/she makes a claim that year, the NCB will be impacted and will be reduced to 0% in the coming year. To safeguard such a scenario, an NCB Retention Cover comes handy. This add-on cover protects the NCB discounts in case the insured makes an Own Damage claim.

Below mentioned are the features of the NCB Retention Cover

  • Applicable for 1 OD claim
  • Renewal of policy with RGI <= 90 days of the expiry of the policy
  • Claim amount should not be >25% of IDV as mentioned in the policy schedule.​

Subject otherwise to the terms, exceptions, conditions, and limitations of the Policy.​

Consumables Cover​​ (UIN: IRDAN103RP0001V01201920/A0005V01201920​​​)​​​

Sometimes, a bunch of seemingly insignificant expenses can create a big dent in your pocket. All expenses incurred on consumable items are covered in case they are damaged due to perils covered our policy. Consumable items such as nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil are covered. This add-on cover is applicable to the following conditions-

  • 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 Protector Cover (UIN: IRDAN103RP0001V01201920/A0011V01201920​)​​​

An engine is the heart and soul of your car. The Engine add-on cover offers compensation for expenses incurred while fixing the indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to-

  • Engine Parts
  • Differential​ Parts
  • Gear Box ​Parts​

Key Protect Cover​ (UIN: IRDAN103RP0001V01201920/A0012V01201920​​)​​​

Let's be honest, we have all misplaced or lost our home/vehicle keys at some point in our lives. While we cannot find your keys for you, we can certainly cover the expenses you incur while repairing or replacing your car keys and/or locks and/or lockset. Here are some more details about the Key Protect Cover​-

  • 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.​​​​

Daily Allowance Benefit​​​​​ (UIN: IRDAN103RP0001V01201920/A0010V01201920​)

​​​We can’t deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs.  This add-on cover is applicable to the following conditions-​

  • Triggere​d if >3days vehicle under repairs due to perils/OD
  • Option to choose days & amount
  • Allowance Limit Rs.5000/- per day (For Pvt car limit can be increased further)
  • Lumpsum theft benefit, if vehicle is not recovered <=90 days​
  • 2 claims applicable​

EMI Protection​ (UIN: IRDAN103RP0001V01201920/A0014V01201920)

We are concerned about financial impact of an accident. We cover up to 3 EMI’s of your insured vehicle if it is in the insurer's authorized network garage for more than 30 days for repairs.​ This add-on cover is applicable to the following conditions-

  • Vehicle is in repair,​​ vehicle loan EMIs will gets paid
  • Payment directly made to financial institution
  • Upto maximum 3 EMI shall be payable
  • Triggers if repair time > 30 days
  • Applicable only for partial claims​

How to choose the type of car insurance that suits you the best?

Now that you unders​​tand the nuances of both types of Car Insurance Policies you must be contemplating about which one to choose. Here are some valuable recommendations to help you with your decision-

The Third Party Liability Car Insurance policy is generally chosen by individuals who want to buy car insurance as it is mandatory by law.

If you seek overall protection from the damages caused due to unforeseen accidents, opting for a comprehensive car insurance policy is the best option.

Additionally, you can pick add-on covers as per the risks which are more relevant to you.

Interested in Third-party liability insurance?Click here to know more!

Important car insurance terms you should know-

Information is the key to make the right decisions. To ensure that you make an informed purchase, we have explained the essential car insurance concepts right here-

What is IDV?

The IDV (Insured Declared Value) is the current market value of the car which is calculated after deducting the depreciation amount. It is a crucial component of the car insurance policy as it determines the amount of compensation. In case of theft or total destruction of the car, the IDV is offered as "Sum Insured".

What is No Claim Bonus?

When you don't file a claim during your policy period, you will be eligible for a discount on your next premium​ which is referred to as a No-Claim Bonus. This discount will keep increasing progressively for each claim-free year until the car insurance premium is reduced up to 50%.

What are the different kinds of add-on covers available?

We offer a wide range of add-on covers to ensure superior protection from a variety of risks. You can opt for add-on covers such as Nil Depreciation Cover, NCB retention cover (avail the NCB despite registering a claim), Personal Accident cover (covers personal damages), electrical/electronic accessories cover and many more. Refer to our add-on cover section, for more details.

How will a Zero Depreciation Cover help you?

You may already know that the monetary value of your car reduces overtime. This eventuality is a result of asset depreciation. Nevertheless, with Reliance General Car Insurance policy, you can combat the losses of depreciation by taking up a zero depreciation add-on cover along with your car insurance. With a zero depreciation cover, you can be assured that the entire claim amount will be paid to you without deducting the depreciation sum.

How is a car insurance premium calculated?

Your car insurance premium is calculated based on several factors such as-

  • Car Manufacturer and Model
  • Cubic capacity (cc)
  • Age of the Car
  • Insured Declared Value (IDV)
  • No Claim Bonus (NCB)
  • Tax

Other factors like add-on covers, discounts, purpose of the vehicle and safety features such as airbags and anti-theft devices will also be taken into consideration while calculating your car insurance premium.

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 in the world.

car insurance  - road accident statistics 

These fatalities are only expected to rise in the future. We don't mean to scare you by these grim statistics. The statistics reflect the kind of dangers that the roads entail. Hence, It's better to be safe than sorry!

How to Save on Car Insurance Policy Premium?

Know Your Car's IDV

The value of your car depreciates overtime. Hence it is important to know your IDV. A lower IDV attracts a lower premium.

Claim Your No Claim Bonus

The No Claim Bonus is your rightful reward for being a responsible driver. Earn discounts of up to 50% on your premium year-on-year.

Install Security Devices

The safer your car, the lower will be the premium. Installing anti-theft devices can fetch you up to 2.5% discount on your car insurance premium.

Become AAI Member

Become a member of the Automobile Association of India and you can secure a concession on personal-damage premium.

Increase the Voluntary Deductible

A Voluntary deductible is the amount you agree to pay out of your pocket. The higher your voluntary deductible, the lesser will be your premium.​

What do​es th​e policy cover?

If you suffer damages caused due to any of following reasons, we've got you covered!

  • Acci​dent
  • Explosion
  • Earthquake
  • Hailstorm
  • Terrorism
  • Fire
  • Theft
  • Fl​ood
  • Frost
  • Inundation
  • Self-Ignition
  • ​Lightening
  • Cyclone
  • Tempest
  • Riot ​& Strikes
    and/or Malicious Acts
  • Hurricane
  • Landslide
  • Rockslide
  • Typhoon
  • Transit by Rail,
    Road, Air & Elev​ator
​ ​

Add-On Covers

Many car insurance holders are of the opinion that buying add-ons are unnecessary. This is because a car insurance policy offers basic protection against damage and losses to your vehicle, so one might think that add-on covers are avoidable.

When you are on the road, your safety is at risk from a number of factors. So, you should buy add-on covers for your car as they are not just additional cost, but an asset, offering vast range of advantages. At Reliance General Insurance, we want to make sure our car insurance holders can secure the best possible protection for themselves. So choose wisely and secure your car with our assortment of add-on covers.

Motor Secure Plus Cover (UIN - RGI-MO-A00-00-03-V01-13-14, RGI-MO-A00-00-04-V01-13-14, RGI-MO-A00-00-06-V01-13-14)

For superior risk coverage, we have compiled a mix of add-on covers in a single package. The Motor Secure Plus Cover includes-

  • Nil Depreciation Cover
  • Consumables Cover
  • Engine Cover​

Note that automobile insurance coverage is available only for the claims intimated within 7 days of the loss or damage.

Motor Secure Premium Cover (UIN - RGI-MO-A00-00-03-V01-13-14, RGI-MO-A00-00-04-V01-13-14, RGI-MO-A00-00-05-V01-13-14, RGI-MO-A00-00-06-V01-13-14)

The Motor Secure Premium Cover encapsulates all of the crucial risk factors to offer a comprehensive coverage in a single package. The Motor Secure Premium Cover includes-

  • Nil Depreciation Cover
  • Engine Cover
  • Consumables Cover
  • Key Protect Cover – Private Cars

Got some questions? You can call us on +91 22 48903009​ regarding any queries while buying car insurance online.

​Make Your Car Insurance Premium More Affordable with Our Special Discounts

No Claim Bonus

The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%. Here's how it is accumulated on a yearly basis-

No. of YearsDiscount
One claim-free year20%
Two consecutive claim-free years25%
Three consecutive claim-free years35%
Four consecutive claim-free years45%
Five consecutive claim-free years​​50%

Voluntary Deductible

You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your auto insurance premium. Please refer to the below table for the applicable Voluntary Deductible-

​​​ Voluntary DeductibleDiscount​
Rs 250020% on the OD premium of the vehicle, subject to a maximum of Rs 750/-
Rs 500025% on the OD premium of the vehicle, subject to a maximum of Rs 1500/-
Rs 750030% on the OD premium of the vehicle, subject to a maximum of Rs 2000/-
Rs 1500035% on the OD premium of the vehicle,  subject to a maximum of Rs 2500/-

Additio​nal Discounts

Besides the attractive discounts offered by NCB, you can avail additional discounts on auto insurance in case…

  • You are a member of any recognized automobile association
  • You have installed an anti-theft device in your car
  • You have covered the vehicle for specific location usage


​What does​​ the​ policy not c​​over​?

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:

  • General wear-and-tear of the car
  • Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.
  • Mechanical and electrical breakdown
  • 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 to theft & total loss claims

Want to know more about car insurance from the very basic? Refer our car insurance guide​ and go through the chapters to become an car insurance expert.

We offer ​comprehensive car insurance plans for various car brands and models.Click here to know more!

We offer car insurance in various Indian cities. We have a wide network of cashless garages all over India. Click here to know more about car insurance in your city!​​

*T&C apply. ​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. ​Discount is applicable on OD premium. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. Details mentioned here are for the product- Reliance Private Car Package Policy.

Car Insurance FAQ

Car Insurance Reviews and Ratings

Average Rating:

4.4(Based on 314 ratings)

Showing 10 reviews

  • “Never knew it was so easy!”

    I always used to purchase my car insurance through my agent who would take his commission fee. But this time I bought it online on RGI website and it was a very smooth process. Now I will get car insurance for my other cars also from reliances website

    Deelip L15 March 2020, Mumbai
  • “Easy and Quick Car Insurance”

    Browsed many websites to buy car insurance but reliance had the best value for money insurance providing good coverage for my car at a reasonable premium

    Akshay W7 March 2020, Delhi
  • “Reliable car insurance plan”

    I purchased a car insurance policy for my 4 wheeler which covered the cost for repairing the damages in an accident. Would recommend everyone to get a comprehensive plan

    Amir S11 January 2020, Dhamtari
  • “Good offers for car insurance”

    Good policies for different car models. I took a quote for the two cars I have and received a good offer. Purchasing the policy was very easy and fast

    Sagar G17 December 2019, Bangalore
  • “Car insurance totally worth it”

    Right from the buying process to settling the claim, I had a very good experience with reliance. Go for it!

    Riyaz C2 October 2019, Delhi
  • “Fast access bike insurance”

    All the necessary aspects are covered by Reliance in the two wheeler insurance policy.The policy can be purchased within minutes online.

    Tasneem G18 September 2019, Airoli
  • “Satisfied by the insurance for car from Reliance”

    I chose the basic car insurance as it is my personal car and it covers everything that is needed.Can be purchased easily online

    Hazel F14 September 2019, Nainital
  • “Fast and easy car insurance”

    Covers everything and explanation given in detail for all types of car insurance which helped me choose well.

    Ronak S1 September 2019, Vizag
  • “Good car insurance policy”

    Fair price and easy application procedure for car insurance.Customer service is good as well

    Jay K24 August 2019, Ahemdabad
  • “Car insurance customer support is actually helpful”

    They actually know the needs of the customer and without wasting any time they gave me the best fit plan in such an affordable price. Good going Reliance car insurance

    Akash S20 August 2019, Baroda
  • See all reviews