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For assistance with claim related queries in the FLOOD affected regions of Himachal Pradesh, Punjab, Haryana or Delhi/NCR click here. To report claim for those affected by the Odisha train tragedy and Cyclone Biparjoy, contact our Nodal Officer Ms. Vasundara Devi on our dedicated helpline number: 022 4890 3012. We pray that you and your loved ones remain safe.

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Long Term Car Insurance


Reliance Long Term Car Insurance Policy 
Policy renewal
up to 3 years
Personal Accident
cover of Rs. 15 lacs
8,5​00​​​​+ cashless
network garages**
5 M+ happy

Running deadlines, tight schedules, long working hours have made our lives so busy that we often miss out on important things. If that’s the case with you, we understand your prob​lem a​nd here’s a quick solution for you. Presenting, Long Term Car Insurance Policy that makes the mundane task of renewing your car policy every year simple. This policy allows you to insure your beloved vehicle for up to 3 years without facing the hassle of annual renewals.​

What does this policy cover?

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

  • Accid​ent
  • Explosion
  • Earthquake
  • Hailstorm
  • Terrorism
  • Fire
  • Theft
  • Flood
  • Frost
  • Inundation
  • Self-Ignition
  • Lightening
  • Cyclone
  • Tempest
  • ​Hurricane
  • Landslide
  • ​Rockslide
  • Typhoon
  • Riot & Strikes and/or Malicious Acts
  • Transit by Rail,Road, Air & Elevator


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%.

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, subject to maximum of Rs 2250/-
Rs 500025% on the OD premium, subject to maximum of Rs 4500/-
Rs 750030% on the OD premium, subject to maximum of Rs 6000/-
Rs 1500035% on the OD premium,  subject to maximum of Rs 7500/-

Additional 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 t​his policy not cover?​

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

*T&C apply. ​Discount is applicable on OD premium. Details mentioned here are for the product- Reliance Private Car Package Policy – 3 years​​​

**The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.​​