​​Why buying Car Insurance is important

​The most important reason is that having a car insurance is mandatory by law. It covers losses caused due to road accident, parking mishaps, or any other that may cause damage to your car. Along this, it protects the liabilities caused to the Third-party or their property. Reliance Car Insurance will protect you under such circumstances, so you enjoy your long drives stress-free with the benefits offered under the policy, which vary depending on whether you opt for Third Party, Own damage, or Comprehensive plan.

Choose your plan carefully so it fully protects your car when needed!​

Why choose Reliance Car Insurance

Attractive Discount Get up to 70% discount* on this policy Cashless Garages 5000+ cashless garges all over India Faster Claim Service We have settled 98% claims in FY19-20 Multiple Add-ons 7 + add-ons available to enhance your basic coverage Self-Inspection Easy & hassle-free video claims via Selfi App OD + TP Coverage Choose Comprehensive policy & get both own-damage and third-party Quick Locator Find cashless garage near you via Selfi App Voluntary Deductible Cost effective option to lowest your car premium Digitally Inclined Buy, inspect or renew online anywhere-anytime​

The poor road conditions and a blatant disregard for traffic regulati​ons make Indian roads one of the most dangerous roads in the world. The conditions are only expected to rise in the future. We don't mean to scare you by these statistics, but it only reflects the kind of danger that the roads entail. Hence, It's better to be safe than sorry!

Source: https://morth.nic.in/sites/default/files/RA_Uploading.pdf

 Amazing discounts on Reliance Car Insurance​

• No Claim Bonus​
  

​No Claim Bonus is reward offered to car owners for not claiming in the previous year, this discount can be collected over time since it increases with each claim-free year, starting from 0% and up to a maximum of 50% after five claim-free years.

• ​​​Voluntary Deductible​​​
  

​​This is a cost-effective option that allows you to lower your premium by agreeing to pay a minimal cost while claiming. Opting for this help in lowering premium, therefore, the higher the deductible amount, the lower will be your car insurance premium.

• AAI Benefit

AAI stand for automobile association of India through which you can avail discounts & benefits if you are at member of the AAI club.

• Anti-theft​
  

Anti-theft devices are tools installed to protect the vehicle from theft. If your car has anti-theft equipment, you can get a discount as it enhances the security of the vehicle and will lower the insurance premium as well.

Different types of plans for you to choose from

Comprehensive Car Insurance​​

Taking a comprehensive plan is always advisable since it provides maximum coverage by covering both (Third Party + Own Damage). Comprehensive policy covers damage to the car due to accidents, losses incurred by the third party, damage due to natural calamities, theft, etc. Comprehensive policy is preferred by most of our customers. To know more, read the policy wordings.

Benefits of this policy

Own Damage Car Insurance

 Damage and losses caused to your car is covered under Own damage policy. While this policy provides similar benefits as a comprehensive plan, it still it does not cover third-party damage, so you have to get a separate policy to cover up against third party losses. To know more, read the policy wordings.

Benefits of this policy

Third Party Car Insurance

 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, with this policy, you can prevent such scenarios since it covers all liabilities incurred to the third party. To know more, read the policy wordings.

Benefits of this policy

Enhance your coverage with add-ons

Total Cover

Under this add-on the registration year of the car is inversely proportional to the monitory return. For instance, if your car is registered for 15 years and your car suffers total loss in 2 years from the beginning of the registration period, there will be an easy refund on the amount (IDV, registration cost) of the remaining 13 years and also the insurance premium in the similar format.

EMI Protection Cover

If your vehicle is undergoing repairs in one of our network garages for over 21 days, we cover the EMI charges that you are ought to pay. This will only be possible if the EMI payment is due in the time frame beyond 21 days. Example - 21 days - 1 EMI, 42 days - 2 EMI's. This add-on is only applicable for up to 3 EMIs

UIN: IRDAN103RP0001V01201920/A0014V01201920

Nil Depreciation Cover

The value of your car reduces as it ages, which may have an impact on your claims. If your car is involved in an accident and you file a claim for it, you may not be able to recover the full cost of the replacement parts because the value of the parts being replaced has depreciated over time. However, Nil Depreciation add-on prevents the value from depreciating, so you can recover maximum amount possible from the claim.

UIN: IRDAN103RP0001V01201920/A0013V01201920

Engine Protection Cover ​​

The engine is one of the most expensive part of your car, and engine maintenance may be pricey. Choosing this add-on will help you in recovering the cost of repairing your engine's wear and tear, so you can keep the ​engine safe.

UIN: IRDAN103RP0001V01201920/A0011V01201920

BNC Retention Cover

 After accumulating your No Claim Bonus (NCB) percentage over the years, if you make a claim, the percentage drops to nil and you have to start over. When you opt for this add on and make your 1st claim, your NCB percentage will remain unaffected.

UIN: IRDAN103RP0001V01201920/A0008V01201920

Daily Allowance Benefit​

​If your car breaks down and needs repair, you can rely on us and our cashless garages. With this add-on, you can earn up to Rs.5000 in your daily allowance every day for your travel. This add-on is only applicable for 2 more claims & if the car takes more than 3 days to repair.

UIN: IRDAN103RP0001V01201920/A0010V01201920

Return to Invoice

Return to Invoice cover (RTI), is an add-on that provides full reimbursement, i.e., the final invoice value of the car, if it is stolen or completely damaged, including registration cost, current IDV, tax invoices, and so on. RTI is additional coverage that can be opted to enhance the regular plan.For eg -If your car's IDV was 5 lacs at the time of purchase and has depreciated to 4 lacs with the replacement value of 6 lacs, this add-on helps you avail full replacement costs as well as the current IDV, which is 5 + 6 lacs = 11 lacs in total.

Compare your plan

	90% Customers Choose This Plan Comprehensive
Coverage	Comprehensive	Own Damage	Third Party
Damage to your own vehicle
Damage to third-party vehicle / property
Customize car IDV
Damage due to fire
Damage due to natural calamities
Losses due to theft
Optional Add-ons
Personal accident cover
No claim bonus retention cover
Daily allowance benefit
EMI protection
Nil depreciation
Total cover
Engine protection
Return to invoice cover			​ ​

​​ 

​Depreciation/Consequential loss

 No insurance policy covers the loss incurred due to depreciation of the car value, unless you opt for the Nil depreciation Add-on, to cover the cost of the depreciating value or the car and its parts.

Drunk driving

 If the person driving is under the influence of alcohol or any other intoxicating substances, the insurance won't cover any loss occurring during that period.

Damage due to negligent behavior

 The damage occurred due to rash driving, speeding or not following the road rules will not be covered under the insurance.

Breach of policy wordings

Policy doesn't cover any damage that occurs due to the violation of the policy's terms and conditions. to know the policy wordings.

Lack of requisite add-on covers

 A standard car insurance policy doesn't cover every type of damage caused to the vehicle. The coverage depends on whether you have the necessary add-on

Damage due to war/nuclear risks

​The policy doesn't cover any damage that occurs due to war or any nuclear emergency.

 Easy & faster claim process

How to save on car insurance premium?

How to save IDV

​Insured declared value (IDV) of your car is a sum assured amount when you raise a claim during the policy period. Decreasing the IDV value will result in lower premium. Hence its important to know your IDV

 Become AAI Member

 AAI stand for automobile association of India through which you can avail discounts or benefits if you are at member of any recognized association.

Increase the Voluntary Deductible

This is a cost-effective option that allows you to lower your premium by agreeing to pay a minimal cost while claiming. Opting this helps in lowering premium, therefore, the higher the deductible amount, the lower will be your car insurance premium…Read more

How to renew expired policy

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