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Ankit Parekh
Senior Vice President
A seasoned insurance professional with 22 years extensive experience in motor underwriting. Having experties in Risk Management, policy development, contributing to sustainable growth and profitability. Known for analytical acumen and customer focused approach.
Motor insurance covers your vehicle for damages caused by accidents, natural disasters (like earthquakes, floods, typhoons), fires and theft. It also helps cover third-party liabilities in case you accidentally cause injury or damage to another person or their property during an accident.Motor insurance is also mandatory in India under the Motor Vehicles Act, 1988, regardless of the type of vehicle you have. If caught driving an uninsured vehicle, you can face traffic fines starting from ₹2,000 (first offence) to ₹4,000 (for repeat offences), and even 3 months' imprisonment. Plus, with the high cost of motor repairs, even minor damage can be expensive. So, a vehicle insurance policy can help cover these hefty expenses while also helping you stay compliant with the law.That’s why we at Reliance General Insurance offer online motor insurance plans that can be customised to fit a wide range of vehicle types from cars and bikes to buses and lorries. With low premiums starting at ₹19/day*, instant policy issuance, and quick claims, we are a one-stop destination for all your insurance needs.
In 2024, more than 8 crore challans were issued, where 55% of them were issued against four-wheelers, and two-wheelers accounted for the remaining 45%. This shows how common traffic violations and accidents are in India, highlighting the need for motor insurance to protect your vehicle.
If your vehicle gets damaged or is stolen, or accidentally damages another person’s vehicle, you get compensation for third-party liability costs and repair/replacement expenses for your vehicle. This way, you don’t have to worry about out-of-pocket expenses.
According to the Motor Vehicles Act, 1988, you will be charged hefty traffic fines (₹2,000-₹4,000) or face 3 months in jail if found driving without valid motor insurance. Our Motor insurance helps you avoid these fines and fulfil your legal requirements.
Having a Personal Accident cover is mandatory for all vehicle owners in India. If you do not already have one, we offer up to ₹15 lakhs* for accidental injuries and disability. We also offer an optional ₹2 lakh cover for co-passengers, enhancing safety for everyone.
Reliance Motor Insurance offers tailored motor insurance plans to minimise your out-of-pocket expenses during unexpected emergencies. To provide maximum protection, our plans are bundled with:
Our Health Global Policy highlights coverages that extend to not only global regions for planned medical visits but also for unforeseen medical emergencies with our Global+India plan. We offer top features, including high sum insured, long-term options and more:
Note: Please refer to the official policy documents for detailed information.
Definition: This insurance covers damages to your vehicle from accidents, natural disasters, man-made calamities, fire and theft. It also covers damages caused by your vehicle to another person or their property. In other words, you get own damage and third-party coverage under one plan. Plus, this policy type also allows you to further enhance coverage using our 13+ add-on covers*. Plus, under this policy type, we offer yearly and multi-year plan options.
Ideal For: It is ideal if you are looking for all-around protection and heavily rely on your vehicle for all your transport and daily commutes. You can also choose from valuable add-ons like Nil Depreciation, Engine Protection and Roadside Assistance.
Quick Tip: You can get up to 5 years of coverage with us for bike insurance* and 3 years of coverage for car insurance*. This means you can pay once at policy purchase and get years of continuous coverage without worrying about any yearly premium hikes when you opt for our long-term policy options.
Definition: Standalone motor own damage insurance protects your vehicle from damages caused by accidents, natural calamities, fires and theft. Note that this insurance does not cover any third-party damages or injuries caused by your vehicle to another person. It will only cover your vehicle. We offer long-term and short-term policy options from 1 month to 1 year* for this policy type that you can opt for based on your coverage needs.
Ideal For: It is ideal for vehicle owners who already have a third-party insurance policy and want to cover their vehicle against accidental damage. It's also a good option for anyone looking for short-term OD coverage since we offer short-term plan options. For instance, if you don't use a vehicle often or travel frequently, you can get a short-term OD policy to cover the months you do use your vehicle. This is cheaper than getting a 1-year policy. And if you need long-term coverage, you can get the yearly plan.
Quick Tip: Since this policy is a lot more flexible, we recommend getting it if you already have a third-party policy. It's a good opportunity to try out our services short term before upgrading to a comprehensive motor insurance plan.
Definition: Third-party motor insurance is mandatory for all vehicle owners in India, as per the Motor Vehicles Act, 1988. It provides financial protection against damages or injuries caused to another person or their property by your vehicle. The IRDAI sets premiums for this plan every year based on the vehicle’s engine capacity and type. Electric vehicles also get discounted rates. This is also our most affordable plan.
Ideal For: This type of policy is perfect for anyone looking for basic coverage. For example, if you are on a budget, you don't use your vehicle often, own multiple vehicles or rely on public transport for daily commutes, third-party insurance may be a good fit.
Quick Tip: This is our most affordable plan, and like our comprehensive motor insurance plan, you get long-term coverage. So if you're looking for a quick and affordable way to fulfil your legal obligations on a budget, look no further than our third-party motor insurance.
We offer a wide range of motor insurance plans, ranging from basic coverage and mandatory plans, such as third-party insurance, to comprehensive plans with all-around protection. Here is a side-by-side comparison:
If your vehicle gets damaged in a road accident or collision, the policy will cover the repairs and replacements of your vehicle's parts.
If your vehicle causes damage to someone else or their property, we will cover the expenses on your behalf.
Covers repairs for damages caused due to natural and man-made disasters like floods, earthquakes, strikes and riots.
If your vehicle's internal (e.g., internal wiring or cables) or external parts are damaged by a wild animal attack or rodents, it is covered.
Covers damage caused by fire, self-ignition, lightning or explosion. We also cover total vehicular theft by paying you your vehicle’s IDV.
Depreciation of car parts typically isn't covered, but we do cover it under the nil dep add-on.
We automatically cover factory-fitted accessories. But if you add more accessories after purchasing your vehicle, you'll need to opt for add-on coverage.
We cover all accidental damage except for ones that arise due to law violations.
We offer pan-India coverage, but if you require coverage outside India you can get our Geo-extension add-on.
Note: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details by clicking here
Money Saver
Get lower premium rates! Choose between 2,500 and 10,500 km* and pay based on the usage of your vehicle. This cover calculates premiums based on the kilometres you drive per year.
Get covered for the complete repair or replacement cost, without deducting the depreciation amount of certain vehicle parts, such as fibre parts, rubber and plastic parts, metal components, etc.
Extra Protection
It provides compensation of up to ₹15 lakhs* in case of permanent disability or death of the driver. This cover offers financial support after an accident that you can get when buying your plan if you don’t already have one.
You receive 24/7 roadside assistance if your vehicle breaks down on the road. Whether it is a flat tyre, engine trouble or a dead battery, you get prompt help with this cover.
We cover the damage caused to your vehicle’s engine due to water entering the engine or oil leakage. Without this cover, the repair costs can go above ₹50,000, since the engine is the most expensive part of your vehicle.
If your vehicle is stolen or declared as a total loss (irrecoverable from the damage), this add-on will reimburse you for the vehicle’s original invoice value, including taxes and registration fees.
You lose your accumulated bonus when you make a claim (major or minor). However, this add-on protects your bonus even after you make a claim, helping you save on premiums.
Replacing modern car keys in case of damage or theft can be expensive. That's why we cover the cost of replacing vehicle keys and reprogramming the locksets in case keys are stolen or damaged due to an accident.
If your alloy rims get damaged by hitting a curb or poor road conditions. This cover handles the expenses of repairing or replacing up to 4 rims, which is otherwise not covered under base inclusions.
You're covered for the costs of repairing or replacing damaged tyres due to accidents, bursts, bulges or cuts. We cover all 4 tyres for cars and both tyres for bikes*, and we cover tubeless and tubed tyres.
Consumables account for 5-10% of your total repair bill. This add-on covers the cost of consumables, such as coolant, nuts and bolts, engine oil, lubricants, etc., reducing your out-of-pocket expenses.
If your laptop, phone, bag or any belonging costing more than ₹5,000* is stolen from your vehicle due to theft or is damaged during an accident, this add-on will help you recover its value*.
You're covered for the cost of unexpected hotel accommodation if your vehicle breaks down and takes more than 48 hours to repair or is stolen while you are away from home, reducing your additional expense.
EV Protection
We cover damages to your EV’s battery caused by accidents, water, mechanical shocks, or power surges. Given a hefty battery replacement cost, this add-on is a must-have for EV owners.
The Electric Motor Protect covers the repair costs of your vehicle's motor damaged due to water, short-circuits, overheating, coolant leakage or due to any other electrical failure.
This valuable add-on covers the repair and replacement cost of your EV's home charging unit and adaptor if it gets damaged by accidents, natural disasters, fire, animal attacks or theft.
Adventure & Travel
Extend your coverage to 6 neighbouring countries* – Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka, and the Maldives. Ideal for anyone who needs to travel frequently between India and these countries by road.
Before you buy a motor insurance plan to secure financial coverage against damages and loss, here are some of the key points that help you select the right plan for your needs:
Check the types of plans we offer and select the one that best suits your needs. For example, if you want all-around coverage, choose our comprehensive motor Insurance and applicable add-ons. We offer curated plans for all vehicle types, ensuring specialised coverage for each.
Several factors influence premium rates, including the choice of plan and add-ons. Calculate the applicable premium rates across our plans to choose the best affordable plan. You can use our online premium calculator to get an estimate of the applicable premium in an instant.
Browse through the available options based on your selected plan and get additional protection for your coverage needs at nominal rates. We offer 13+ specialised add-ons for all vehicle types, with 3 specialised add-ons for EVs.
Take time to review the terms of the online motor insurance policy carefully. Understand what is covered and what is not, to prevent claim rejections. Our digital platforms allow you to access all policy documents anytime you need.
Deductible is the amount you pay yourself for claims. Thus, choosing the right amount that helps you balance saving on premiums and claim expenses is crucial. We offer the flexibility to choose a higher deductible if it suits your budget.
Check the network of cashless garages near you to ensure convenience and access to quality repair services. We have a strong network of 11,000+ garages spread all over the country, providing faster repairs and cashless claims.
Choosing the right IDV is an important part of the buying process, it affects your overall premium rate. We recommend keeping it as close as possible to your vehicle's actual market value to ensure you get adequate coverage without exceeding your budget. To ensure this, we offer an IDV customisation feature where you can choose the appropriate IDV amount during the buying process within a preset range.
The insurer's CSR is a good indicator of the likelihood of your claim getting approved and settled. So, always check the insurance company's CSR and go for insurers with CSRs over 95%. This shows that they settle and approve almost all the motor insurance claims they get.
The claims process must be quick, easy and involve minimal paperwork. We also recommend going for insurers that offer an online claims process, along with online facilities for other processes like purchase, renewal, policy management, etc., for ease of use. For example, with us, you can buy, renew and claim your policy on your phone using our Self-i app. You get AI-assisted claims, one-tap renewals and a fully digital policy purchase process.
Ensure your chosen provider offers quick customer support via multiple modes of communication like phone call, email, SMS and WhatsApp. At Reliance General Insurance, we offer 24/7 customer assistance through all the stated modes, including AI-BOT assistance and live chat. We also ensure quick query and issue resolution so you're never left hanging. You can easily reach us via our website or the Self-i app - help is always a tap away!
At Reliance General Insurance, you can easily buy and renew your motor insurance plan either through our website or via the Self-i app. All you need to do is enter your name, mobile number, and vehicle registration number on the form on top to get started. Then, once you've decided on a motor insurance policy, complete the KYC process, pay online and get your policy instantly via email.Renewals are even quicker – Just enter your policy number, click renew and pay! You can also do this on our Self-i app by tapping on 'InstaRenew".
Your motor insurance policy's premium is decided after careful consideration of several factors, which include the age of your vehicle, make and model, usage, choice of plan and add-ons. This is how each of the factors influences the premium:
Your chosen policy type has a direct effect on premium rates since more coverage means higher premiums, and lower coverage means lower premiums. For example, third-party motor insurance is our most affordable policy type, while our comprehensive motor insurance offers more coverage for a slightly higher premium.If you're hesitant to opt for a comprehensive plan, we offer up to a 90% discount* under our policies, ensuring our prices always stay within your budget.
Example of Premium Rates:-: Own-Damage Insurance = ₹7,000, Comprehensive Insurance = ₹13,000
How Does it Affect the Premium?:- Increase in coverage increases the premium amount
The make and model of your vehicle also play a part in determining your motor insurance premiums. For instance, a more expensive car like a BMW would cost more to insure since it would have specialised parts that are harder to find and more expensive to repair, versus insuring a regular hatchback like the Hyundai i20.When it comes to older vehicles, we also take into account depreciation, which also affects premiums. Older vehicles tend to have lower premiums than brand-new vehicles.
Example of Premium Rates:- Advanced Variant = ₹18,299, Older Variant = ₹12,450 How Does it Affect the Premium?:- Premium price changes with the vehicle’s age and variant.
The vehicle's Insured Declared Value directly impacts your premiums, as it serves as your policy's sum insured amount. A higher IDV means higher premiums with higher coverage compensation, while a lower IDV means lower premiums with lower coverage compensation. We recommend opting for an IDV that's close to your vehicle's actual market value to ensure you get enough coverage during claims settlements and value for money under your plan.To ensure this, we provide an IDV range to choose from during policy purchase based on your vehicle's make/model, age and depreciation.
Example of Premium Rates:- Higher IDV (₹10 Lakhs) = ₹20,000, Lower IDV (₹5 Lakhs) = ₹10,000 How Does it Affect the Premium?:- Higher IDV means more coverage and a higher premium.
Add-ons are optional covers you can add to your motor insurance policy to increase coverage. These also come at an extra cost, which can slightly increase your premiums. Hence, we recommend only choosing add-ons you are sure you will need.At Reliance General Insurance, we offer 13+ add-on covers*, including 3 specialised add-ons for EV vehicles. If you're not sure which add-ons to get, we recommend getting nil depreciation, engine protection, consumables cover and key protection as they're our most popular covers and ones you'll require the most.
Example of Premium Rates:- With Add-Ons = ₹22,000,Without Add-Ons = ₹18,000 How Does it Affect the Premium?:-The addition of optional add-ons increases premium prices.
Your premiums are affected by the Regional Transport Office (RTO) under which your vehicle is registered. This is because vehicle prices, especially the ex-showroom cost, can vary depending on your location. Vehicles purchased in Tier-1 metro cities like Mumbai or Chennai usually come at a higher price due to tax and other charges, whereas the same model may cost less in non-metro areas.Hence, vehicles registered in metro cities typically have higher IDVs, leading to higher insurance premiums compared to vehicles registered in smaller towns or rural regions.
Example of Premium Rates:- Tier-1 City (Mumbai) = ₹16,000,Tier III City (Bhopal) = ₹9,000 How Does it Affect the Premium?:- Road conditions and accident risks affect premium prices
A deductible is a set amount you need to pay out of your total repair costs during claims. They come in two types: mandatory and voluntary deductibles. Your mandatory deductibles are set by the IRDAI and are based on your vehicle's engine capacity. These must be paid regardless of your plan type. Voluntary deductibles are optional and are an extra amount you opt to pay with your mandatory deductibles during claims.The higher your deductible amount is, the lower your premiums; however, higher deductibles also mean higher out-of-pocket costs during motor insurance claims.
Example of Premium Rates :- With Deductible (₹5000) = ₹13,500, Without Deductible = ₹15,000 How Does it Affect the Premium?:- A deductible reduces the premium but increases your out-of-pocket expenses.
Note: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline
With over 35 crore vehicles on the Indian roads, having the right policy is essential. That’s why Reliance General Insurance offers tailored motor insurance at affordable premiums starting from ₹19/day*. Our motor insurance allows you to avoid hefty fines and reduce your out-of-pocket expenses by covering accidental damage, medical expenses, theft, and any third-party losses caused by your vehicle.We also offer the option for cashless repairs at 11,000+ network garages* with quick claim surveys within 24 hours*. You can also quickly buy and renew our plans online and download a digital copy of your plan to your phone through the Self-i app, so you always have it with you.With reliable and quick 24/7 customer support, our motor insurance ensures that you and your vehicle are safe on the roads. Be smart and invest in Reliance Motor Insurance today!
Yes, under Indian Motor Laws, it is mandatory to purchase at least a third-party motor insurance policy for your vehicle. If your vehicle isn't insured yet, you can easily buy a motor insurance policy from our website or from the our Self-i app.
If you install a CNG kit in your automobile, first inform the RTO to update your vehicle registration certificate. Then, notify us regarding the change. We will adjust the coverage and revise your motor insurance premium accordingly.
Plus, since this is an after-purchase vehicle upgrade, we recommend getting our non-electrical accessories add-on to ensure coverage for your CNG kit.
If you don’t have motor insurance, you could face legal penalties if caught driving without it. You will also have to pay for repair costs yourself if you are in an accident. Hence, we highly recommend insuring your vehicle to avoid getting fined and to lower out-of-pocket expenses.
At Reliance General Insurance, we offer car insurance, bike insurance, and commercial insurance. Within these, we offer third-party, standalone own-damage and comprehensive insurance coverage. For all-around coverage, we recommend getting our comprehensive motor insurance policy.
A liability policy in motor insurance refers to a third-party motor insurance plan that covers damages caused to another person, vehicle or property by your vehicle. It includes injuries, death and property damages.
Yes, you can opt to switch to a different motor insurance provider for better coverage and features. However, it is best to switch at the time of renewal for a smooth transition experience.At Reliance General Insurance, you can renew your existing policy from another company with us and transfer your existing benefits, like discounts and bonuses. This means you can transfer the full benefits of No Claim Bonus when you shift your motor insurance policy from another company to Reliance General Insurance.
A motor insurance policy cover is generally valid for a period of one year. However, you can buy long-term motor insurance plans that can be valid for three or five years, based on the type of policy with us. We also offer short term plan options ranging from 1 month to 1 year*.
You can change your details by submitting an endorsement request. Remember to share the necessary proof of the change. Contact us to get started.
Yes, you can transfer the motor insurance policy from the buyer. It should be done within 14 days of the sale. Provide the necessary application forms (Forms 29 and 30). Additionally, submit the transfer documents - vehicle registration certificate and proof of ownership transfer.Here is how to transfer car insurance while buying a second-hand car.
A pre-policy vehicle inspection is generally carried out in the following circumstances:
September - 2024, COIMBATORE
August - 2024, Nalgonda
September - 2024, Hyderabad
August - 2024, Coimbatore
August - 2024, Mansoorabad
September - 2024, Nalgonda
August - 2024, Kanchipuram
September - 2024, Bangalore
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.Details mentioned here are for the product- Reliance Private Car Package Policy. UIN: IRDAN103RP0010V02100001; Reliance Private Car Policy - Bundled, UIN: IRDAN103RP0007V02201819; Reliance Private Car Policy- Standalone Own Damage UIN- IRDAN103RP0001V01201920; "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) - 3 years, UIN: IRDAN103RP0003V01201819.Discount: 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, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
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