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Most Indians consider buying a car as a significant investment and one of the major life milestones. You can never forget how this decision turned out to be the greatest source of pride and joy for you and your family. Owning a car - be it your first car or an upgrade to a more luxurious model - gives you a new sense of independence and achievement. However, purchasing a car is not just about choosing the right design, model and features. It's also about the financial responsibility that comes with it. You need to take responsibility for maintaining it properly and ensuring its safety on the road. This is where car insurance comes into the picture.
Car insurance, also known as motor insurance, helps to protect you against the cost of unforeseen events on the road. No matter how careful you are on the road, the chances of accidents, theft or natural disasters never fade away. Any of these instances can have a huge impact on your finances - in the form of hefty medical or repair bills. That's why it is important to have the right insurance coverage to ensure that you're prepared for any situation. We, at Reliance General Insurance, aim to provide more than just financial protection to you. Our car insurance policies are designed to ensure that you can enjoy your car with peace of mind.
Car insurance or four-wheeler insurance is a legal contract between you (the policyholder) and a general insurance company. As part of this contract, you pay a certain amount of money (known as a premium) to an insurance company. In turn, the insurance company agrees to protect you against financial losses caused by unexpected events such as accidents, theft and natural disasters as mentioned in the policy terms and conditions. Four-wheeler insurance also covers medical expenses and third-party liabilities incurred when your car gets into an accident. Here, third-party refers to someone who has suffered accidental damages or losses because of your vehicle.
To better understand the concept of car insurance, let’s consider the following scenario: You have just invested your hard-earned savings to purchase a shiny red car. You are being careful while driving, adhering to all traffic rules. But one day, a truck suddenly swerves into your lane and you have no choice but to take a sharp turn to avoid a collision. While you manage to avoid the truck, your car collides with a nearby wall. As a result, your car is badly damaged and you suffer minor injuries. You need to spend ₹20,000 to replace your damaged car bumper and broken windshields, and another ₹3,000 to repair minor dents. On top of this, your medical treatment totalled to ₹3,000 or even more. The aforementioned unexpected turn of events highlights the importance of car insurance. Without car insurance, you would have borne the hefty financial burden of repairing your car and covering your medical expenses by yourself. A good car insurance policy can provide peace of mind and a safety net to help cover the costs of unforeseen events on the road.
Car insurance is a crucial life saver that protects you and your vehicle from various risks and uncertainties. Accidents, thefts, damages and liabilities can result in significant financial losses, but car insurance offers a safety net that helps you mitigate these risks. It also helps to comply with legal requirements and offers peace of mind while driving on the roads. Here are some top reasons why you should buy car insurance:
It is mandatory for all car owners in India to have a valid third-party car insurance as per the Motor Vehicles Act, 1988. This means that you cannot legally drive your car on Indian roads without third-party car insurance. If you are caught driving an uninsured vehicle, you will have to pay a fine under the provision. For example, you will be charged ₹2,000 and/or jail for up to three months if you are caught driving your car without insurance (for first offence).
Life on the road is unpredictable. Unfortunate events such as accidents can happen any time. Car insurance helps to cover financial losses incurred to repair or replace car parts damaged in an accident. Be it minor scratches or major defects, car insurance has you covered. It also includes a personal accident cover that helps to pay for medical expenses incurred due to accidents. This cover is applicable to you (driver) and the passengers in your car during the accident.
Nature is ever-changing and natural calamities such as earthquakes, floods and landslides can happen any time, anywhere. Similar is the case of unexpected theft. These events can cause major damage to your car and ultimately result in high financial burdens. Car insurance serves as a lifesaver when parts of your car get stolen or harsh climatic conditions impact its functioning. It can provide you with the necessary financial assistance to cover your losses, enabling you to rest assured.
Car insurance helps to pay for losses or damages caused to someone else’s car or property due to your car. Moreover, it covers the medical costs and other expenses that may arise if the accident led to injuries to that person. This basically means that car insurance helps to protect yourself from third-party financial liabilities. It is also important to remember that it is mandatory to have third-party liability insurance for all registered vehicles in India.
Owning a car is a significant investment that comes with responsibilities, including protecting yourself, your vehicle and third-parties against unforeseen risks on the road. This is where car insurance plays a crucial role. Car insurance provides financial protection in the event of accidents, damages, theft, or other incidents involving your vehicle. But it can be quite overwhelming to choose the right car insurance for your four-wheeler. You may get confused as various types of motor insurance are available in the market. Not all four-wheeler insurance plans are the same, as each one offers a different level of protection. By gaining a clear understanding of each type, you can make an informed decision and ensure that you are adequately protected. The three main types of car insurance are:
It covers you against damages and injuries you may cause to others while driving. Specifically, third-party car insurance will protect you against the financial losses you are liable to pay when your car causes third-party property damage, physical injury, disability or death. It also covers the cost of legal expenses that you may have to incur. In India, you need to have at least third-party car insurance coverage to legally drive a vehicle on Indian roads to ensure financial protection for third parties.
It provides coverage for accidental damages that may occur while your car is in use or parked. Own-damage car insurance covers the cost of repairs or replacement of your vehicle parts in case of damages as well as any theft-related losses. It also covers damages to your car caused by natural calamities, such as floods, earthquakes, or storms, as well as damages due to vandalism or fire. It can be purchased in addition to the mandatory third-party car insurance to ensure all-round protection for your vehicle.
It provides extensive coverage for your vehicle against various risks and damages. Comprehensive car insurance is the highest level of auto insurance coverage that provides protection for damages to your own vehicle as well as damages caused to third parties. In addition to third-party liabilities, it covers the cost of repairs or replacement of your vehicle in case of accidental damages and theft-related losses. It also covers damages by man-made disasters, including riots and vandalism, and natural calamities, including floods, earthquakes, or storms.
Choosing the perfect car insurance policy requires careful consideration of various factors to ensure that it meets your specific needs and provides adequate coverage. You also have to evaluate your budget and legal requirements. Here are some tips to help select the right protection for yourself and your vehicle:
Assess the type of auto insurance policy you require, such as third-party, own-damage or comprehensive coverage. Don’t forget to review the policy’s inclusions and exclusions.
Always buy policies from a reputable insurance company, like Reliance General Insurance, with a good track record of customer service, claim settlement ratio and financial stability.
Opt for an IDV that accurately reflects the current market value of your vehicle to ensure adequate coverage. Remember, car insurance premium is directly influenced by the IDV.
Many insurance companies offer optional add-on covers to enhance their basic automobile insurance coverage. Select add-ons that help to maximise the protection for your car.
While higher deductibles usually result in lower premiums, it also leads to higher out-of-pocket expenses in case of a claim. Carefully assess the deductibles to make an informed choice.
Car insurance premium depends on your vehicle’s model, IDV, age and other factors. Compare the premium of different policies and select the one that meets your needs and budget.
Look for an insurer with a customer-friendly claim process and high claim settlement ratio. This will ensure that you have a hassle-free experience in case of a claim.
Look for an insurance company with a wide network of garages to enjoy a cashless and hassle-free claim settlement process in case of any repairs or damages to your vehicle.
Whether you are a new car owner or have been driving for years, it's essential to pick the right motor insurance to protect yourself against unfortunate events. It is also important to carefully review what’s covered and what’s not covered in your car insurance policy to ensure you are completely covered. Here are the general inclusions and exclusions under our Reliance Private Car Package Policy:
Financial losses or damages caused due to unforeseen accidents on the road.
Damages incurred by a third-party (person and property) because of your vehicle.
Reimbursement for stolen car parts as per your vehicle’s Insured Declared Value (IDV).
Damages incurred due to man-made activities such as riots, strikes, malicious acts and terrorism.
Losses or damages caused by fire, self-ignition, lightning and explosion.
Losses or damages caused by natural disasters, including floods, earthquakes and heavy rainfalls.
Any damages incurred while moving your car via roadways, airways, waterways or railways.
Compensation for injury/death of the owner-driver in case of an accident involving their insured vehicle.
Accidental loss or damages incurred after driving an insured vehicle without a proper driving license.
Any loss or damages incurred after driving your vehicle under the influence of alcohol or drugs.
Any accidental damages incurred outside the geographical area, i.e. outside India.
Car wear and tear caused by regular use, weather conditions, or mechanical breakdown.
Will not cover if you don’t follow traffic laws and indulge in distracted and reckless driving on the road.
Any damages incurred due to war, invasion, the act of foreign enemies, nuclear wars, civil war and the like.
Getting your car insurance from a reliable provider is as important as getting car insurance itself. With a reliable provider, like Reliance General Insurance, you can enjoy the benefits of a car insurance plan that offers full protection. We’ve designed our auto insurance plans and policies on the intersection of improved convenience, transparent processes and better returns.
Our 3 crore+ policyholders^ love our customer-centric approach and responsive customer support
Our best-in-class car insurance policies offer the best coverage at pocket-friendly premiums
Our 8,500+ network garages# provide you with a smooth and hassle-free repair experience
At Reliance General Insurance, we understand the importance of car insurance and the role it plays in protecting your finances and providing peace of mind. With our range of coverage options and dedicated customer support, you can rest assured that you're in good hands. Contact us today to get a quote and find the right car insurance policy that suits your needs and budget.
You should always choose your car insurance plan based on your personal and legal requirements. You can further enhance it with the add-ons, which helps create the perfect insurance policy for you and your loved ones.
Reliance Car Insurance offers Total Cover as an add-on cover, which reimburses you for the amount spent for the registration fee, octroi, road tax and insurance premium paid until the event of a total loss, constructive total loss or theft claim. This add-on ensures that you receive the full amount mentioned on the original invoice of your car, including all associated costs, in case of a covered event.
If your car is being repaired in one of our network garages and is retained for more than 21 days, Reliance Car Insurance will pay for your EMI under its EMI Protection Cover. Note that this add-on is applicable for three EMIs to compensate for the inconvenience. The first EMI will be paid if the car undergoes repair through a set of 21 days, the second EMI will be paid if the car is kept for 42 days, and so on.
UIN: IRDAN103RP0001V01201920/A0014V01201920
Reliance Car Insurance offers the Nil Depreciation Cover add-on to protect you from the impact of depreciation on your car's insurance coverage. Depreciation is the wear and tear that happens over time due to usage. This can result in reduced coverage amount. The Nil Depreciation Cover add-on enables you to get full coverage without any deduction for depreciation. This add-on allows you to get the whole replacement value and not the depreciated value of the replaced parts.
UIN: IRDAN103RP0001V01201920/A0013V01201920
The Engine Protection Cover helps to protect the most important component of your car - the engine. This add-on covers the cost of repairing or replacing your engine or gearbox that got affected by water ingression or lubricating oil leakage. These events are typically not covered under a standard stand-alone or comprehensive motor insurance policy and they can result in significant financial expenses. This add-on is particularly beneficial for safeguarding your engine.
UIN: IRDAN103RP0001V01201920/A0011V01201920
No Claim Bonus (NCB) is a discount you receive on your car insurance premium for not making any claims during a policy year. Note that the NCB discount is applicable only at the time of car insurance renewal. However, it drops to zero as and when you make a claim on your policy. With the NCB Retention Cover, you can maintain your NCB discount even if you file a claim in the policy year. This allows you to continue enjoying the benefits of a lower discounted premium.
UIN: IRDAN103RP0001V01201920/A0008V01201920
The Daily Allowance Benefit is an add-on that provides coverage if your car is getting repaired at one of our network garages for an extended period of time, specifically for more than 3 days. In such cases, this add-on helps you to get a daily allowance that covers the cost of your travel or commutation while your car is being repaired. The Daily Allowance Benefit ensures that you are not inconvenienced by the unavailability of your car.
UIN: IRDAN103RP0001V01201920/A0010V01201920
This add-on cover reimburses the policyholder for the difference between the insured declared value (IDV) of your car and the invoice value in case of a total loss or theft claim. IDV is the maximum amount that the insurer will cover and is based on the current market value of the car. The Return to Invoice add-on covers the depreciation value of the vehicle, which is the difference between the original invoice value and the current market value, ensuring that you receive the invoice value of your car.
Automobile insurance is a vast field to dig in. You need to have proper knowledge about car insurance terminologies and industry jargons to make informed decisions about your coverage. Here is a list of the most common car insurance terms you should know:
Calculating car insurance premium can be a complex process that involves various factors and considerations. While insurance policies may have fine print that includes terms, conditions, exclusions, and special cases, the premium is the upfront cost that requires a closer look. It is more than just a number. You need dig deep to get a thorough understanding of how that number really landed or what kind of calculation process is required. Car insurance premium is majorly dependent on your vehicle’s type, age, Insured Declared Value (IDV), cubic capacity of the engine and the geographical zone where it is registered. This is how premium for third-party, own-damage and comprehensive car insurance policies are calculated: Third-party car insurance premium rates are determined by the Insurance Regulatory and Development Authority of India (IRDAI). Premium rates as of June 2022 are:
The formula to calculate own-damage car insurance premium amount is: Own-Damage Premium = IDV x [Premium Rate (decided by insurer)] + [Add-Ons] - [Acquired Discounts and Benefits] The formula to calculate comprehensive car insurance premium amount is: Comprehensive Car Insurance Premium = Third-Party Premium + Own-Damage Premium - Any Acquired Discounts and Benefits
Car insurance premiums are influenced by a variety of factors that are assessed by the insurance companies to determine the risk associated with insuring a vehicle and driver. Understanding these factors can help you manage your premium costs:
The make, model, age and engine capacity of your vehicle are crucial factors in determining your car insurance premium. New car models tend to have higher premiums compared to older vehicles.
The type of coverage you choose also affects your premium. Comprehensive car insurance policy generally has a higher premium compared to third-party car insurance policy as it offers wider coverage.
The geographical zone where car is registered and driven also affects your premium. If the location has higher accident rates, your premium may be higher due to the increased risk.
IDV affects the calculation of car insurance premiums. It is influenced by factors such as your vehicle’s age, make, model, fuel type, place of registration, depreciation, and modifications or additional accessories installed.
The deductible you opt for also impacts your premium costs. Higher deductibles usually result in lower premiums, but it is advisable to select a deductible that you can afford in case of a claim.
Add-on covers helps to enhance your car insurance coverage and overall protection. Each add-on comes with an additional premium cost, so adding multiple add-ons may increase your premium.
A history of claims for accidental loss or damages may result in higher premiums while a history of claim-free years is rewarded with a No Claim Bonus (NCB) discount on your premium.
The Insured Declared Value (IDV) is an important metric that provides an estimated market value of your vehicle and indicates the maximum reimbursement amount you can get from the vehicle insurance company in case of any damage to your car. It is also one of the main factors that can affect your car insurance premium amount. The formula for calculating IDV is [Car manufacturer’s listed price of the vehicle - Depreciation value] + [Cost of additional car accessories - Depreciation value of these accessories]. However, there are multiple factors that have a significant impact on your IDV. Some of the most crucial ones that tend to influence your entire market value include:
Age of the Car: The age of your car directly affects the estimated IDV. Generally, the IDV decreases as your car gets older due to depreciation and wear and tear of car parts over time.
Car Model: New and advanced cars usually have a higher IDV over the traditional models. This is because they have a better market value due to their desirability in the market.
Place of Registration: The place where your car is registered also affects the IDV. The IDV for a vehicle registered in metropolitan city is likely to be higher compared to a smaller region or town.
Modifications and Accessories: The IDV also gets affected by any modifications to your vehicle or added accessories that are not factory-fitted. The cost of these modifications or accessories is added to the IDV.
Deductibles: Higher deductibles result in lower IDV as the policyholder is expected to bear a higher portion of the claim amount.
Depreciation: The IDV is influenced by the depreciation rate, which is determined by the insurance company based on the age and condition of the vehicle. Depreciation percentage is listed in the table below.
Check the coverage and the associated premium of different car insurances online. Choose a plan whose premium and coverage are in line with your budget and requirements.
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.
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.
Be a disciplined driver and maintain your car well to receive the NCB discount for every claim-free year. It is applied at the time of your car insurance renewal. The NCB increases with no-claim year.
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.
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.
Note: You can unlock substantial savings on your premium with our array of insurance discounts, such as No Claim Bonus of up to 50%**, Antitheft discount of up to 10%**, Automobile Association of India Membership discount of up to 5%** and Renewal Discount of up to 10%**.
It has become incredibly advantageous and convenient to buy car insurance online in today’s world. You can directly communicate with your insurance company, eliminating the need for interactions with agents or middlemen. Additionally, you can enjoy the convenience of not having to deal with paperwork or physical documentation. The entire process of purchasing car insurance can be completed online, saving time and effort for everyone involved. At Reliance General Insurance, we aim to offer a smooth and simple car insurance buying experience. Our online car insurance buying process is as easy as putting on your seatbelt. Just fill in your car details, select the coverage and/or add-ons you want and get an instant quote within a few minutes. That said, here are some key reasons why you should buy your car insurance policy online:
You can easily compare the coverage, premiums, deductibles and other features of different coverages side by side when you shop for auto insurance online. This allows you to make an informed decision.
You don’t have to visit multiple insurance offices or get in touch with insurance agent or indulge in in-person meetings. You can buy policy online from the comfort of your house, any time.
Buying car insurance online is super-fast and convenient. You can complete the entire process online, from comparing different policies to getting quotes to purchasing coverage, with just a few clicks.
Online car insurance purchases often require minimal to nil paperwork, as most of the important details are entered online. This makes the entire process simple, hassle-free and streamlined.
Remember, it is important to ensure the legitimacy of the insurance provider when purchasing four-wheeler insurance online. You need to check the credibility and reputation of the insurance provider by researching testimonials, customer reviews and online ratings to avoid any kind of online fraud. This helps you select a trusted provider like us!
Filling a car insurance claim requires you to present all the essential documents that indicate the genuineness of your request. This predominantly includes:
Register your claim by making a video inspection using the Reliance Self-i App or call on (022) 4890 3009 (Paid Number). The garage can also register the claim on your behalf using the Garage Portal once your vehicle is reported to the garage.
Submit important details and documents such as theVehicle Registration Certificate (RC), Driving license (DL), insurance Policy Copy.
Wait for the claim to be evaluated and approved. You can check the progress of the process in the Reliance Self-i App or through our website.
You will be covered for the loss or damage that happened after the claim and final settlement amount is approved.
Getting insurance for your secondhand car involves some additional aspects of considerations. You must check with the car owner for his valid insurance policy and duly get it transferred in your name. In case the car owner does not have four-wheeler insurance or the plan has expired, we can easily help you buy or renew secondhand car insurance. Some of the most important considerations for your secondhand car insurance include:
Be it a minor dent or major car breakdown – car insurance can help you easily sail through any unexpected car-related losses or damages. On top of it, you gain a plethora of benefits when you renew car insurance policy online. Some of the top benefits of renewing your four-wheeler insurance online include:
Every human being is highly concerned about their automobile. It's their responsibility to keep it in good condition and protect them from accidents, breakdowns and minor damages. Similarly, it's our responsibility to offer top-notch car insurance policies and secure the future of your four-wheeler seamlessly. Get In Touch with Our Teams and Renew Car insurance Policy Today
You can renew your car insurance policy either through the Reliance Self-i 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:
It was fully satisfactory feedback and fully satisfactory service provided by you and all my queries are explain to me in the most short, most precise and most accurate manner and whatever doubt given, you have explained it very nicely. Thank you very much
14 September 2022, Karnataka
I called your contact center for motor claim intimation. They provided me excellent service regarding my query. Also, survey has been done on time for my claim. I am really satisfied with the services of Reliance General Insurance.
16 August 2022, Assam
I am policy holder of Reliance General Insurance. Whenever I need Motor, Health or any other insurance, first I choose Reliance general Insurance. Also, I always refer my colleagues with the same. Reason behind this is the services are excellent. Till now I haven't not faced any kind of problem in terms of services with your company.
2 July 2022, Delhi
I have a motor policy with Reliance General Insurance from last 3 years and I did not face any kind problem in services. Recently, I renewed my policy. Also, received policy copy on my email id immediately. I am very Happy with the services of Reliance General Insurance.
30 June 2022, Gujarat
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.
12 March 2022, Delhi
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.
6 November 2021, Bangalore
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.
4 November 2021, Bangalore
Having car insurance protects you financially from any losses that an accident or injury brings. Moreover, it is mandatory under the Indian law to have at least a third-party liability insurance which financially protects another individual’s car or property.
There are three types of car insurance policies—a third-party insurance plan, which covers the loss and expenses that occurred to a third party; own damage cover, which covers the cost of damage or loss to own cover; and a comprehensive plan, which covers both third-party losses and own damage costs.
To buy car insurance online you will require the following documents:
A car insurance is calculated on a combination of factors that include make and model of the car, year of registration, Insured Declared Value of the car, add-ons opted for and no-claim bonus (considered only at the time of renewal).
Having an insurance policy that covers you financially against losses caused by accidents, theft, natural disasters, hospitalisation and even damages or injuries caused to a third-party is best for you and your four-wheeler. This kind of insurance is called a comprehensive car insurance policy.
If your car insurance policy has expired, you can renew the policy by renewing online through our website or the Reliance Self-i App. Once the inspection of your vehicle is complete by our surveyor your policy will be issued and made ready. Please note, this is applicable only in the case of a own-damage or comprehensive insurance policy and not for a third-party insurance.
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.
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.
Yes, it is transferable. If you have accumulated NCB, at the time of renewing your existing four wheeler insurance policy, you can transfer the NCB within 90 days of your renewal due date. If you’re switching to Reliance General Insurance, you can continue to enjoy the NCB benefits by transferring it to your new policy.
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 you change your location, your policy will remain unaffected. However, your insurance might change at the time of renewal if you moved from a Zone B location (which include non-metro cities) to a Zone A location (that are metro cities like Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune).
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.
You can make changes to your car policy only in the following cases:
Then you can do one of the following two things.
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.
The auto insurance policy covers damage or loss to the car due to:
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:
The NCB Retention Cover is 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 though!
Also, the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to ₹10 Lakhs only. For example, assume that you have earned 20% NCB on your previous year's car policy and the IDV of your car is ₹10 Lakhs. Now on this car, if you've made any claim up to ₹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.
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, with a maximum of two claims in one policy period. This cover is applicable only for select make and models.
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.
Voluntary deductible is an amount that you agree to pay towards a claim (in addition to the compulsory deductible) before the we pick 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 car insurance premium. For example, if your claim amount is ₹20,000 and the voluntary deductible is ₹3,000 then you have to bear the first ₹3,000 and the claim will be worth ₹17,000. We will award you with a suitable discount based on the following table.
*Own Damage premium.
The risks that we don’t cover in this car insurance policy are as follows:
Third-Party Liability Cover is an insurance policy that covers damages done to a third-party. Since a third-party policy is mandatory by law, you will have to take it before you take any other car insurance.
You can claim the Personal Accident cover if a death or disablement of the insured occurs due to an accident. Moreover, the car insurance policy should be in your name and you should be the registered owner of the car and have an owner-driver, paid-driver or unnamed passenger cover.
No, we will issue the insurance policy only if the LPG / CNG kit is incorporated on the Registration Certificate (RC) by the concerned RTO.
Yes. 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.
Factors that affect / reduce car insurance quote are:
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 can get a discount of 2.5% on the OD (Own Damage) premium subject to maximum of ₹500.
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 Insured Declared Value, 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.
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. Claim can also be registered by the garage on behalf of insured using Garage Portal once vehicle is reported to garage.
Here’s a list of document you should keep ready while making a claim. Accident Damages:
Theft Cases:
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.
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.
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.
You can cancel your claim by calling our Paid Number: +91 22 48903009. You can also cancel your claim by contacting the designated claim manager and submitting a formal request (mail) to withdraw the claim.
Click here to find out the address of your nearest cashless garage list
Yes, 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. Maximum delay allowed in claim intimation is 7 days. Delay of more than 7 days in claim intimation should be accompanied with valid explanation from Insured.
Disclaimer: *The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us ₹238/month (2,853/12).
**The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, and age of the vehicle.
^The total no. of customers insured data is for FY22 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
*T&C apply. All the Toll Charges will be borne by Customer. Towing Services are free of charges for Garages present within 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.
#The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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