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Third Party Liability insurance

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Third Party Liability insurance

Benefits

Third Party Liablity Car Insurance
​​Property damage
to third party		P​ersonal
Accident Cover
5000+ cashless
network garages		5 M+ happy
​customer

​​​​​What is Third-Party Car Insurance?


A Third-Party Liability Insurance offers financial cover to the insured person against any legal liability arising due to loss/damage caused to a third-party person or property. As per the Indian Motor Vehicles Act, a third party liability cover is mandatory under law and a basic requirement under a vehicle’s insurance policy.​ While choosing a car insurance policy, people often get confused whether to opt for a comprehensive car insurance policy or a third party car insurance policy. While a comprehensive car insurance policy offers overall protection against damages to your car as a result of incidents unrelated to accident / collision; a third party liability car insurance offers cover against any legal liability arising due to damages or injury caused by the insured to a third party.

What are the Benefits of Third Party Car Insurance?


Key Features Benefits by Reliance General

Property Damages to Third Party

Upto 7.5 Lakh

Personal Accident Cover

Available

Add Ons

Not Available

Buying Process

Online via Smartphone in 5 minutes

Property Damages to Third Party

As per MVA 1988

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How Does Third-Party Car Insurance Work?


In order to better understand the concept of third-party car insurance, let us look at some terminologies. For example, in the event of a car accident, the parties involved are as follows: 

  • First party: The insured person or policy holder
  • Second party: The insurance company 
  • Third party: The person who claims for the damages caused by the first party

    • In an event where an insured person with a third party insurance policy is held legally liable for injuries or damage done to a third party, then his/her insurance company indemnifies the insured person. Any losses arising due to damages or injury caused by the insured to a third party or third party’s property, are covered under the third-party insurance policy. In the event of a car accident, an insured person with a third party insurance policy is required to immediately inform the insurance company of the incident. If you were responsible for the accident (or the other driver believes you were responsible), it's almost certain that a claim will be made against you, which your insurance company will be expected to pay. So, for the speedy resolution of the claim it is of utmost importance that  the insurance  company is intimated about the accidental claim at the earliest This is how a third-party motor insurance works.
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    ​What Does a Third-Party Car Insurance Policy Cover?​

    ​
    A third-party insurance of car covers for the expenses incurred due to the following reasons: 

  • Death or bodily injury to a third party
  • Damage to a Third-Party Vehicle because of the insured vehicle
  • Damage to third-party property to an extent of Limit - Rs. 7.5 Lacs

    • Calculate your premium easily with our Car Insurance Calculator.

    What Does a Third-Party Car Insurance Policy Not Cover? ​

    When opting for a third party only car insurance policy, you must be aware of what benefits you’re missing out on. Let’s take a look at what third party car insurance does not cover: 

  • Cost of damages to a vehicle or the belongings in the vehicle in case of an accident​
  • Cover for losses incurred if your car or belongings are stolen or destroyed 
  • Coverage against damages to your own vehicle 

    • It would be wiser to opt for third-party motor insurance if you own an old inexpensive car model, which is cheaper to repair.​ Has your car insurance expired? Click here for easy expired car insurance renewal online.

    Advantages of a Third-Party Car Insurance


    There are several advantages of third-party car insurance. Let’s look at the advantages that you will be eligible for in case you buy third-party car insurance: 

    Enables You To Drive Legally 


    Under the Motor Vehicles Amendment Act, 2019, it is necessary to insure your car if you want to drive on Indian roads. Getting basic third-party car insurance will protect you from hefty fines.

    It Will Save You Time 


    You can buy third-party car insurance online with just a few clicks. This will save you time and money as you can buy this plan from the comfort of your home. 

    Coverage for Third-Party Person in case of Personal Damages 


    In case of an unfortunate event like an accident where you hurt someone physically or in severe cases, cause the death of the third person. Your third-party car insurance will provide coverage for the losses up to unlimited liability**. 
    In Note (** Compensation amount is decided/suggested by the court of law.)

    Coverage for Third-Party Property or Vehicle Damages 


    In case of an accident where it causes damage to one’s vehicle or property, your third-party car insurance will provide coverage  for the loss up to Rs 7,50,000/-. 

    Protects you in case of any physical injuries 


    In case you don’t have a personal accident cover, you can opt for it with your third-party car insurance. This way you can protect yourself and your family financially in the case of permanent disability or death due to an accident.

    Protects you from Unexpected Losses


    Indian roads are congested, and you can see several cars on the roads. So, an unfortunate event like an accident that is bound to happen. If you opt for a third-party car insurance policy, you don’t have to worry about the expenses that might incur in case of an unexpected accident loss. 

    Disadvantages of a Third-Party Car Insurance


    Nothing is perfect, not even your third-party car insurance as it comes with several disadvantages as well. Here is the look at the disadvantages that you might face if you buy third-party car insurance:

    Doesn't cover your own damages 


    Your third-party car insurance will not provide coverage against the damages and losses to your own car. To protect your car financially, you need to opt for a separate comprehensive car insurance policy from reputable insurers. 

    Doesn't cover damages due to natural calamities 


    No one can predict the future. Natural calamities such as floods, earthquakes, tsunami, etc. are some of the unfortunate events that no one has control on. In case your car is damaged due to a natural calamity, your third-party car insurance will not cover it. However, opting for comprehensive car insurance will surely protect you financially against the damage caused to your car due to both natural and man-made calamities. 

    You can’t opt for add-ons 


    There are several add-ons that enhance the coverage of your plan, but you can only opt for them in case you buy a comprehensive car insurance plan and not with third-party car insurance. 

    ​

    Why Buy Third Party Car Insurance From Reliance General Insurance?


    With a Reliance General Third Party Only Car Insurance Policy, you will get the following benefits: 

  • Cover for causing accidental injury or death to the third-party
  • Cover for accidental damage to the third party's property
  • Easy Claims with 98% Claim Settlement Ratio​

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    How to File a Claim for Third Party Car Insurance? 


    Given below are the vital points that you need to consider in case of a third-party insurance claim:

  • In an unfortunate event like an accident, the third-party must file an FIR immediately after the accident takes place. You must retain a copy of the said FIR and the Charge sheet filed by the Police. On happening of an accident causing injuries to the third party, you need to inform the police and your insurance provider, without any delay and share the valid documents of the vehicle including the driving licence of the driver.
  • In case of an accident, where you are not at fault or you have been impleaded in an accident, though not involved, file an FIR with the police against the person/s who have caused the accident or have impleaded you as a party to the case and defend the case in the court along with your insurer. 

  • In India, Motor Accident Claims Tribunal decides the claim for compensation amount to a third party. In case of personal injuries to a third-party, there is no upper limit, whereas, there is limited liability of insurance up to Rs 7.5 lakhs in the event of losses and damages caused to third-party property or vehicle depending on the involvement of the vehicle insured. A claims petition seeking compensation is filed by the third party before the concerned Motor Accident Claims Tribunal and the judicial proceedings start wherein the vehicle owner, driver and insurer is a party to the case.

  • If the damages and losses caused due to an accident are minor, then it is advisable to settle it outside the court as dealing with the court proceedings is a time-consuming process. 

  • When the matter is decided by the Tribunal and there no violation of the insurance policy and in case everything is in order, the compensation amount awarded by the Tribunal will be paid by your insurance provider to the third party.

  • Collect photographic evidence, if you can. This should include taking pictures of the accident site, pictures of the injury, damaged vehicle or property. This will also help the insurance company get a clear picture of the accident caused.

  • In case of a claim related to personal accidents, all you need to do is call customer care number and your insurer will take care of the rest. 

    • *T&C apply: The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. ​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- "A​" Policy for Act Liability Insurance. UIN- IRDAN103RP0003V01200102​.


    Third Party Four Wheeler Insurance FAQ

    Benefits

    Why do I need to insure my vehicle?

    The Motor Vehicles Act 1988 makes it mandatory for all car owners to have a valid insurance policy. Apart from that, you should get your car insured as it saves you from any financial liability caused due to accidents, damage or theft of your car. Additionally, car insurance covers the safety of the co-passengers, 3rd party property and pedestrians too.​

    What are the types of Car Insurance in India?

    There are three types of car insurance: 'Own-damage insurance', 'Third-Party Insurance' and 'Comprehensive Car Insurance'.Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc.

     Third-party insurance protects you against losses, which occur due to bodily injury or death to a third party or any damage to that person's property. It is mandatory by law to have third-party insurance.

     ​Comprehensive car insurance, on the other hand, is purchased when you want to be compensated for any damages to you, your co-passengers and your vehicle in addition to third-party coverage. That means in case of an accident, theft, fire, explosion or natural disasters, your car will be insured under a comprehensive car insurance policy. Hence this is the most preferred plan.


    What are the different types of vehicles that can be insured online?

    Private Car Insurance can be bought online for two-wheelers and four-wheelers. You can check your car insurance quote with the help of your registration number. Apart from this, commercial vehicle insurance can also be bought online​

    What are the documents required to buy car insurance policy online?

    Zero documentation is required to buy a car insurance policy online. You can get your car insurance quote within seconds by entering your registration number in the form above. This makes things really simple.

    However, you will have to provide details like:

    • Car Registration number
    • Engine number
    • Chassis number
    • Previous car policy number (if you have any)
    • Car manufacturing date (mm/yy)
    • Date and city of car purchase
    • Your contact details (address, phone no and email id)

    You should also have a copy of your car’s RC book.

    What are the benefits when you buy car insurance online?

    Ease of buying

    One of the biggest advantages of buying car insurance online is that it is convenient and it simplifies your purchase decision. You can do it anywhere according to your comfort,

    • Compare different four-wheeler insurance policies available in the market
    • Find competitive car policy rates
    • Simply click a button and buy a four-wheeler vehicle policy online

        • Since there is a long list of general insurance companies offering online car insurance, finding the best automobile insurance that suits your needs and gives you maximum benefits is easier.

        Added Benefits

        Also, online car insurance offers other facilities like Renewal reminder Secure payment gateway and tracking

        Getting an Estimate of your car insurance policy premium

        You can also calculate your car insurance quote/premium online and get an idea of the kind of expense you would need to bear for buying the plan.

        Pay for your car policy in minutes

        You can pay your premium using either of the options like net banking, debit card or credit card. You can also use other payment options like UPI and Paytm.​

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    Can I renew my car insurance policy online?

    Yes, you can. You can now renew your car insurance online in the comfort of your home. Here are the steps that you need to follow-
    • Visit - https://www.reliancegeneral.co.in/Insurance/Motor-Insurance/Car-Insurance.aspx​
    • Enter your car insurance policy and Registration / Engine number and click on ‘Renew My Policy’ to proceed
    • You will then see the details of your policy. If needed, you can update your contact details here
    • Post  confirming the details you can choose several add-ons and optional coverage as per your needs
    • Next, you will be presented with the final premium amount along with the associated break-ups
    • Your car ​​and nominee details are fetched from the system. You just need to confirm all your details and click on ‘Pay’ to go to the payment page
    • Once the payment is successful, your car insurance policy renewal is complete
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    My motor insurance policy expired; how can I renew in case of break-in of my policy?

    ​If your car insurance policy has expired, you can renew the policy by making payment online through our website or the Selfie App​

    • You can now Inspection Yourself
    • Upload photos of your car and get your policy instantly
    • ​Your Inspection ID will be generated and post satisfactory inspection and recommendation by surveyor your policy will be issued

    Note this is applicable only for Private Car & Two-Wheeler policy and not for Third Party Liability​

    Once the inspection request is logged online, how long does it take to get the car policy?

    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.

    What is a No Claim Bonus (NCB)?

    ​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.

    Reliance General Insurance has introduced the No Claim Bonus retention add-on cover with private car insurance. This helps you to retain your valuable No Claim Bonus at a small additional premium.

    Is my NCB transferable?

    Yes, it is!

    If you have accumulated NCB, at the time of renewing your existing 4 wheeler insurance policy, you can transfer the NCB within 90 days of your renewal due date. If you wish to change your insurance provider at the time of renewing your car policy, you can enjoy your NCB discount by getting it transferred as well.​

    What is the rate at which NCB is transferred?

    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 of my job and place change, what happens to my motor policy?

    The policy remains more or less unaffected even if you move. Details you need to change your contact details i.e.

    • Your new address and
    •  Phone number
    This can be done online or at any Reliance General Insurance branch closest to you.
    Your car insurance premium might change depending on the city you're moving to. This is simply because motor insurance rates are fixed based on the registration zone of the car. All metro cities (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune) are part of Zone A, which has a higher rate of premium than the rest of the country (Zone B). So, if you're moving from a Zone B city to a Zone A city, your motor car insurance premium will increase and vice versa.

    How do I get a copy of my car insurance policy online? Will the printout of the softcopy serve as the original document?

    Just log on to www.reliancegeneral.co.in​ or your Selfi App and click on your profile. A soft copy of your four-wheeler policy document will be available for download. A print out of this document definitely serves as the original policy document.​
    ​

    What is an endorsement? What is premium and non-premium bearing endorsement?

    ​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.

    What changes can I make in my car insurance policy? How do I send that for endorsement?

    You can make changes to your car policy only in the following cases:

    • Either the name, registration number, engine number, chassis number or model number of your four wheeler vehicle has to be corrected.

    • There is a change or correction in your address

    • There is a change in car, RTO or registration number of your vehicle

    • There is an addition of LPG / CNG kit, electrical / non-electrical accessories, anti-theft device, addition or change of hypothecation in your car.

    • There is a NCB recovery or change.For an endorsement, you simply need to raise a service request online, by logging onto our website: www.reliancegeneral.co.in.

    What happens to the 4 wheeler insurance policy, if I sell my car?

    Then you can do one of the following two things.

    • You can transfer your existing automobile insurance policy to the new owner of the car.​

    • You can cancel this policy and tell the new owner to buy a new policy for the car.

    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.

    What is loading?

    Loading is an additional cost that is added to the car insurance premium when a policy is renewed. This additional cost only comes into effect if the risk to the car policy owner is judged as ‘higher than normal’.

    What risks are covered under Reliance motor insurance policy?

    The auto insurance policy covers damage or loss to the car due to:
    • Accident
    • Fire
    • Lightening
    • Self-Ignition
    • Explosion
    • Theft
    • Riot & Strikes and / or Malicious Acts
    • Terrorism
    • Earthquake
    • Flood
    • Cyclone
    • Inundation
    • Transit by Rail, Road, Air and Elevator
    Apart from this, your car insurance policy covers policyholder against any accident or mishap. It can also cover a third-party entity, if the option is availed. We recommend that you opt for a Third-Party Liability Cover because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. ​​​
    Finally, we also bring to the table some add-on covers that will help to customise your motor insurance policy, just like you’ve customised your car. The additional covers that you can choose to add-on are for:
    • Electrical or Electronic Accessories
    • Non-Electrical Accessories
    • Bio-Fuel Kits Comprising LPG/CNG Systems
    • Legal Liability to Employee, Paid Driver, Cleaner & Conductor
    • Racing & Speed Tests
    • Dexterity Trials & Hill Climb Extensions​

    ​What do you mean by Add-On Cover?

    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:

    • No-Claim Bonus Retention Cover
    • Nil Depreciation Cover
    • Personal Accident Bundle Cover
    • Motor Secure Plus Cover
    • Motor Secure Premium Cover


    ​What is NCB Retention Cover?

    This 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!

    • The coverage is available only for private cars.  
    • The age of the car should be 2 years and above.
    • The NCB percentage of the vehicle should be 25% and above. 
    Also, the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to Rs. 10 Lacs only.

    For example, assume that you have earned 20% NCB on your previous year's car policy and the IDV of your car is Rs. 10 lakhs. Now on this car, if you've made any claim up to Rs. 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.​


    What is Nil Depreciation?

    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 and two wheelers, with a maximum of two claims in one policy period. This cover is applicable only for select make and models.​


    ​What is the Total Cover add-on? How is it beneficial?

    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.​

    What is a Voluntary Deductible?

    ​Voluntary deductible is an amount that you agree to pay towards a claim (in addition to the compulsory deductible) before the insurance company picks 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 automobile insurance premium. 

    For example, if your claim amount is Rs. 20,000 and the voluntary deductible is Rs. 3,000 then you have to bear the first Rs. 3,000 and the claim will be worth Rs.17,000.

    We will award you with a suitable discount based on the following table.

      *Own Damage premium.​

    ​What risks are not covered under Reliance Motor Insurance Policy?

    The risks that we don’t cover in this car insurance policy are as follows​:

    • Normal wear-and-tear of the car
    • Mechanical and electrical breakdown
    • Cars being used outside of the limitations placed on the usage
    • 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 i.e. any indirect losses caused due to the car’s damage / loss
    • Compulsory deductibles i.e. a fixed amount that the insurer will have to bear

    What is Third-Party Liability Cover? Is it part of my policy?

    The most important reason to get third-party policy is that it is compulsory by law and you might end up paying hefty fines if you don't have it. As the name says, it covers all third-party damage. There is always a chance of getting in an accident with a third party in certain circumstances, and with this a policy like this, you can prevent such scenarios since it covers all liabilities incurred to the third party.​

    ​What is Personal Accident Insurance cover?

    This personal accident cover provides compensation in case of death or permanent disabilities due to an accident involving the insured vehicle.

    Coverages:

    CPA ( Compulsory Personal Accident –Owner Driver ) for 1 Yr

    •  Mandatory Cover
    •  Unbundled recently by IRDAI
    •  Policy Duration 1 Year
    •  One CPA policy covers the insured for all the vehicles owned by him/ her.
    • To be eligible for Compulsory Personal Accident
    • The insured has to be the owner of the  vehicle
    • Should have a Valid Driving License
    • SA Limit is Min 15 lacs. (In case insured has other PA policies differential SA can be opted by insured)

    Customer can opt-out of this cover if he already has other PA cover covering (Death & Permanent Disability) up to the extent of minimum 15 lacs or is covered with other CPA policy under motor insurance in other vehicles owned by him.

    In what scenarios can I make a Personal Accident claim?

    ​You can claim the PA cover only if the car Insurance Policy is in your name and you are the registered owner of the car & have an owner-driver, paid-driver or unnamed passenger cover.

    ​Am I eligible for a discount if I am a member of Automobile Association of India?

    Yes, we do offer car insurance discounts to members of certain associations.
    So, if you’re a member of any of the following automobile associations, you are eligible for a discount:

    • Automobile Association of Eastern India
    • The Western India Automobile Association
    • The Automobile Association of Southern India
    • The Automobile Association of Upper India
    • The Uttar Pradesh Automobile Association

    What is IDV and how is it calculated?

    IDV stands for Insured's Declared Value (IDV). This is the present market value of a car.
    It is calculated by adjusting the current manufacturer's listed selling price of the car with depreciation percentage as listed in the table below:

    What are electrical and non-electrical accessories? How do you calculate their value?

    ​Electrical accessories are any electronically powered accessories that are part of your car. This could include accessories such as music systems, LCD etc. which are not manufacturer fitted.

    You can protect electrical accessories, which are not factory fitted, by paying an extra premium of 4% on the value of the item. The value of the item is as stated by you i.e. the insured.

    Non-electrical accessories include anything from wheels to seat covers, which are not manufacturer fitted. Protection for these can be achieved by paying an extra premium on the invoice value of your car insurance quote​.

    What is meaning of the phrase ‘legal liability of the paid driver’?

    ​A paid driver is obviously someone you have appointed to drive your car. If this driver meets with an accident while driving your car, you will need to compensate him / her or that person’s family for the injury or loss of life.
    If you choose to include the option of ‘legal liability for paid driver’, then we, the insurance company, will pay this compensation amount. This cover is easily included with an additional premium of Rs. 50/- irrespective of any period of insurance, not exceeding 12 months.

    If I have LPG or CNG kit fitted in the car, but it’s not endorsed in the RC book, will it be covered in the policy?

    ​No, we will issue the insurance policy only if the LPG / CNG kit is incorporated on the Registration Certificate (RC) by the concerned RTO.

    If I purchase new accessories for my car, can I get them insured in the middle of the insurance policy term?

    Yes, you can!

    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.​


    Which factors affect / reduce the premium or insurance quote of my car?

    Factors that affect / reduce car insurance quote are​:

    • Insured Declared Value or IDV (present market value of the car)
    • Cubic Capacity (CC) of the car
    • Place of registration (Zone A / Zone B)
    • Type of model
    • Age of the car
    • Type of cover - whether you want comprehensive or third-party vehicle insurance cover only
    • Add-on covers chosen by you
    • No-Claim Bonus retention (this gets you a discount on the premium)

    What is an ARAI-approved car-theft device?

    ​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 Rs. 500.

    What are the different modes of payment accepted online? Are there different schemes?

    Online Payments for your car insurance definitely make life easier​. At Reliance General Insurance, you can pay your car insurance premium in following ways​:

    • Credit Card​
    • Netbanking
    • Debit Card using ATM PIN
    • Debit Card using 3D secure

    We accept all Visa, Mastercard, American Express cards and other international credit cards. You can also use other payment options like UPI and Paytm.​

    Am I eligible for a car insurance discount if I install anti-theft alarm and locking system?

    Yes, you are!

    When you mention the anti-theft and locking system installed on your car, the car insurance quote decreases relatively. We award a discount on the Own Damage premium if your car is fitted with an ARAI-approved anti-theft alarm and locking system.​


    Does the car model affect the cost of Car insurance?

    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 sum insured, 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.

    Check out: Car Insurance By Brand​ And Model​

    How do I register my claim?

    ​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.

    What documents are required to file a claim?

    ​Here’s a list of document you should keep ready while making a claim.
    Accident Damages:

    • Completed claim form
    • Proof of Automobile Insurance - Policy / Cover Note copy
    • Copy of Registration Book, Tax Receipt (Original required for verification)
    • Copy of Motor Driving License (with original) of the person driving the vehicle at the material time
    • Police Panchanama / FIR (In case of third-party property damage/ death / body injury)
    • Estimate for repairer, where the vehicle is to be repaired
    • Repair bills and payment receipts after the job is completed
    • Any other document as required by the insurer


    Theft Cases:

    • Original Certificate/Vehicle Policy Document
    • Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
    • Previous Insurance Details
    • Policy number
    • Insuring office / company
    • Period of insurance
    • All the sets of keys/service booklets/Warranty card
    • Police Panchanama / FIR and final investigation report/JMFC report
    • Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
    • Any other document as required by the insurer

    When should I report to the police?

    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.​


    What to do if my car is stolen?

    You should immediately report to the police before registering any claim as a delay in reporting will affect your claim, as an insurance company could deny liability.​

    What is cashless and non-cashless / reimbursement claim?

    ​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.


    Can I choose not to claim if the damage is minimal? What do I gain out of it?

    ​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.

    How can I cancel my claim?

    You can cancel your claim by calling any of the following helpline numbers:

    Paid Number: ​+91 22 48903009​


     

    Where can I view the list of cashless garages in my city?

    What do you mean by Constructive Total Loss?

    ​If the repair cost of your car (in case of an accidental loss or damage) is more than its current value, it is known as a constructive total loss.

    A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV.​

    If I lodge my claim after the vehicle insurance policy expires for the event that occurred during the policy term, will the claim be valid?

    ​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.​

    Third Party Four Wheeler 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
      • See all reviews