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Third Party Liability Car insurance

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Third Party Liability Car insurance

Benefits

Third Party Liablity Car Insurance
​​

​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 to a third party caused when you are at fault.

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 vehicle insurance policy. As per the Indian Motor Vehicles Act, a third party liability cover is a must and a basic requirement under a vehicle’s insurance policy.

How does car third party insurance work?

In order to better understand the concept of third party 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.

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

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, it is of utmost importance that your insurance provider is aware about any accident you are involved in.

​

What does my​​ policy cover?​


Many people often opt for third party only car insurance policy because they consider them to be cheaper.

A third party insura​nce of car covers for the expenses incurred as a result of the following reasons:

  • Damages to a third party vehicle
  • Damage caused to a third party property
  • Injuries caused to other people in an accident
Some insurance companies charge extra for third party property coverage. This coverage has become a priority these days since cost of repairing damages is high.

​​What does my 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
  • Cover for injuries you suffer in an accident
  • Pay-out for a replacement if your car is written off
It would be wiser to opt for third party motor vehicle insurance if you own an old inexpensive car model, which is cheaper to repair.
​

Third Party Four Wheeler Insurance FAQ

Benefits

Why do I need to insure my vehicle?

Firstly, the Motor Vehicles Act 1988 makes it mandatory for all car owners to have a valid insurance policy.

That apart, you should get your car insured because it saves you from any financial loss caused due to accidents, damage or theft of your car. Additionally, car insurance covers the safety of the co-passengers, someone else's property and pedestrians too.

What are the types of Car Insurance in India?

There are two types of car insurance: 'Third-Party Insurance' and 'Comprehensive Car Insurance'.

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 by filling the form above by entering 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 advantage of buying car insurance online is that it is convenient and it simplifies your purchase decision. You can sit comfortably at home, compare different 4 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.

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

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. You can now Do 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.Click here to understand No Claim Bonus Retention.

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. You will, of course, 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 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. Simply put, this additional cover offers you extra protection in case the other party is uninsured or underinsured.
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 literally add extra protection and cover benefits to your car insurance policy. It helps to 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, note that the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to 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 lakh. 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, so if you haven’t got one right now, you should probably consider it!

By paying a minimal, additional charge on your car insurance quote, you can benefit in the following ways:

  • Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts.

Please note that 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?

This cover 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?

​Third-Party Cover is mandatory in India. It covers you against legal liability for injury or death or property damage caused to any third party, who is not in the insurance contract in an accident.
However, this policy does not cover damages or loss caused to your own car in an accident or theft. In order to have a complete coverage, you should have a Comprehensive Car Insurance Cover.

​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?

​Of course 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!
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.

Toll-free- 1800 3009

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 immediately report to the 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. 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 exchange hands 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:

Toll Free:1800 3009


 

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

​Click here link to find out the address of your nearest cashless garage list​

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:

4.5(Based on 302 ratings)

Showing 10 reviews

  • “Nice car insurance”

    Owned a car insurance policy from reliance general with good benefits like Good Coverage, long list of cashless garage & large claim amount.

    Manan P1 August 2019, Pondicherry
  • “Good service from Reliance Car Insurance”

    I have reliance car insurance policy since 4 year now and also claimed it once. The service was really good and quick.

    Kinjal K21 July 2019, Andhra Pradesh
  • “Required car care for all cars in india”

    After a very long time may be 7/ 8 years I was able to find suitable car insurance plan for my car.

    Parin G17 July 2019, Bhuj
  • “Best brand with huge cashless garage network for car Insurance”

    Reliance have huge cashless garage network in india. The best car insurance I had in my life.

    Riddhi D15 July 2019, Churchgate
  • “Reliance car insurance service is fast”

    Car insurance service is fast and on time with full security and trusted transactions.

    Vandy T8 July 2019, Navi Mumbai
  • “I am satisfied with car insurance claim service”

    Got my car insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

    Rajshree K6 July 2019, Rajasthan
  • “Car insurance at it's best”

    I have found that any claim on Reliance car Insurance policy was promptly attended and judiciously settled to the fullest satisfaction.

    Sachin S4 July 2019, Jodhpur
  • “Thanks for notifying car insurance premium hike”

    Thanks for Notifying regarding premium hike, I renewed car insurance before this premium hike.

    Jay G16 June 2019, Bengaluru
  • “Satisfied with reliance car insurance”

    Reliance car insurance has exceed my expectation. Claim process was quite smooth.

    Shashank S5 June 2019, Darjiling
  • “RIVA rocks! Helped me to purchase car insurance”

    Reliance chat software called "RIVA" helped me to purchase car Insurance

    Raj P2 June 2019, Chennai
    • See all reviews