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Four-wheeler insurance by Reliance General Insurance - unbeatable prices and complete protection!
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Ankit Parekh
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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.
Car insurance is a type of motor insurance policy that covers repair and replacement costs resulting from accidents, natural disasters, fires and theft. In India, Third-Party Liability Insurance is mandatory as per the Motor Vehicle Act 1998; however, smart car owners prefer a comprehensive car Insurance policy that covers both third-party liabilities and own damage protection.For example, if your car is damaged in an accident, car insurance will help cover the repair costs for any damage your car may have sustained. Similarly, it will also help cover damage from natural and man-made disasters, as well as theft. So, if your parked car was damaged during a storm or if your car was stolen and never recovered, car insurance will help cover the loss.At Reliance General Insurance, we understand that your car is more than just a vehicle - it's your daily partner in life's journey. Our plans are designed with one goal: to make your drive stress-free. With our quick claim settlement and a vast network of 11,000+ cashless garages*, we bring you insurance that is simple, transparent, and tailored to your lifestyle. We also offer easy buying and quick claims services via our Self-i app and website.
Electric car purchases have increased 11% year-on-year in FY25 compared to FY24, indicating a rising demand for electric vehicles in India. Like fuel-based cars, electric cars need to be insured to avoid being fined. However, EVs come with unique components, particularly the battery, which is expensive to repair and replace.Standard car insurance typically does not always cover battery replacement costs outside of accidents. Events like overcharging or power surges are often excluded meaning you may have to pay out of pocket.That’s why at Reliance General Insurance, we offer 3 specialised EV add-ons to protect your EV’s battery, motor, charging equipment and even portable charging accessories.These add-ons safeguard your vehicle from risks like water damage, short circuits, accidental damage and more. With our EV cover, you not only stay compliant but also secure the most valuable parts of your electric car.
Unlike traditional insurance providers, we put you at the center of our product design. From fast online claim reporting to pioneering pocket-friendly PAY-As-You-Drive plans, Reliance Car Insurance is custom-built for today’s drivers. We also offer AI-assisted claims processing via the Self-i app to ensure faster, more accurate claims decisions. Here's how we go the extra mile -
As per the Motor Vehicles Act of 1988, it is mandatory for all car owners in India to have at least a third-party car insurance policy. If you’re caught driving without valid car insurance, you risk getting fined ₹2,000 - ₹4,000 by the traffic police. Repeat offenders may even face up to 3 months of imprisonment. At Reliance General Insurance, we offer this coverage as a standalone plan or bundled under our comprehensive car insurance plan.
With minor collisions, scrapes and road accidents being common, it’s essential to get a car insurance policy. For example, if your car was damaged in a hit-and-run accident, Reliance Car Insurance will help cover the cost of repairs with quick claim inspection and registration through our Self-i app. In the event that your car is stolen, we reimburse your car’s IDV amount. You can also enhance your cover with the Return to Invoice add-on, which reimburses the original invoice value of your car in case of total loss or theft.
Extreme weather events are common in some parts of India hence whether it is floods, earthquakes, landslides or fire – we cover it all! For instance, some cities in India are prone to frequent flooding and landslides, so if your car is damaged due to these events, you’re covered. We also cover man-made calamities like riots, strikes, and vandalism. To ensure maximum protection, we recommend getting the Motor Secure Plus add-on bundle that combines Nil Depreciation, Engine Protect and Consumables Cover, extending comprehensive coverage for your car.
Car insurance liability protection covers any injury or property damage caused to others by your vehicle. For example, if you accidentally hit another car and dent its body, injuring the driver, third-party liability car insurance will cover the other person’s repair and medical expenses. It covers property damage up to ₹7.5 lakhs* and unlimited coverage for medical expenses. However, this insurance does not cover damages to your own car - for that, you'll either need a Standalone Own Damage policy or a Comprehensive plan.
As per IRDAI regulations, all car owners must have a Personal Accident (PA) cover of up to ₹15 lakhs* to protect against disability or death resulting from road accidents. This cover ensures financial support in case of permanent or partial disability, or accidental death of the owner-driver. If you're not already covered under a PA policy, you can easily include it with your car insurance for a nominal annual premium of ₹350* to ensure comprehensive protection every time you drive.
Get help with towing, battery jumpstarts, flat tyre replacement, fuel delivery, spare key retrieval, and minor on-site repairs anywhere in India with our 24/7 Roadside Assistance add-on cover. We offer quick fixes for your car, and if on-site jumpstarts are not possible, we arrange towing to the nearest garage. To access assistance quickly, use the Self-i app, which allows you to raise service requests in just a few taps and locate the nearest network garage for cashless repairs.
Note: The prices, discount rates and other metrics provided in the table above are subject to change and will also depend on the policy you choose to buy. The Pay As Your Drive option and the Personal Accident cover are both optional covers that can be bought along with your plan at an additional cost. For more detailed information, you can check your policy documents or contact us.
Definition: Third-party car insurance is the most basic plan we offer. This type of coverage is legally required under the Motor Vehicles Act, 1988. It protects you against legal and financial liabilities if your car causes injury, damage or death to another person or their property. The policy covers property damage up to ₹7.5 lakhs* and injury-related claims without any upper limit*. Driving without this plan can result in penalties and fines of up to ₹2000-₹4000 and even 3 months imprisonment if you are a repeat offender. The IRDAI regulates its pricing, so the premiums remain the same no matter which insurer you choose.Ideal For: This plan is ideal for anyone looking for budget-friendly insurance offering limited coverage or for occasional drivers who just want to ensure they fulfil their legal obligations. At Reliance General Insurance, we offer both long and short-term third-party car insurance plans ranging from 1 to 3 years*.Quick Tip: Since this plan does not cover damages to your own car, for added protection, opt for Comprehensive coverage or pair it with a Standalone own damage cover. You can also opt for a 3 year plan if you’re looking to save on premiums since you only need to pay once for the 3-year coverage.
Definition: A comprehensive car insurance policy combines the benefits of third-party and own-damage coverage, offering complete protection for your vehicle. It covers accidental damage caused to your car from collisions, theft, fire and natural disasters, while also protecting you from third-party liabilities, like injuries or property damage caused to other people.Ideal For: This policy is ideal for anyone looking for all-around coverage or those who need added protection for their car. For instance, if you heavily rely on your car for regular or daily transport, or if you’re a new car owner, this plan is highly recommended.Quick Tip: This plan coverage can also be further enhanced with 13+ add-ons* like zero depreciation, engine protection and roadside assistance. Plus, with the new GST cuts on cars, a comprehensive plan will also be more affordable, since lower car prices and IDVs also mean lower insurance premiums.
Definition: Standalone Own Damage (SAOD) car insurance protects your car against accidental damage, theft, fire, and natural disasters, including floods, storms, or landslides. It is available to buy only if you already have a valid third-party insurance plan. We offer short-term* and long-term plan options ranging from 1 month to 1 year*, making it a flexible option tailored to your budget and driving needs.Our short-term SAOD plans are suitable for those who require coverage for a few months rather than the full year. i.e., if you do not drive your car during monsoon, or if you travel a lot and don’t use your car very often. Long-term SOAD annual plans are for car owners who want year-round protection. i.e., if you live in a high-traffic city, you use your car daily, or you live in a more hilly region with tough roads, or a region prone to natural disasters.Ideal For: This policy is ideal for car owners who want to enhance protection beyond third-party requirements. For example, when you buy a new car from a dealership, the insurance they offer typically includes 1 year of own damage coverage and 3 years of third-party coverage. From the second year onwards, your car won’t be protected against own damage, only against third-party liabilities. To stay protected, you just need to buy a standalone own damage policy (since you already have third-party cover). This works out cheaper than buying a full new policy.Quick Tip: In case the dealership’s third-party car insurance coverage ends, you can always upgrade to our comprehensive car insurance to get better coverage. And if you don’t use your car very often, you can opt for the pay-as-you-drive add-on for lower premium rates.
The main difference between comprehensive and third party car insurance is the scope of coverage. So, in case you want to extend car insurance coverage to cover your car, you can easily upgrade to our comprehensive car insurance policy during renewal from a third-party plan. Our seamless processes make it possible to quickly upgrade or modify coverage as per your needs during purchase and renewal.Here’s a quick comparison between comprehensive and third-party car insurance to help you choose the right coverage based on your needs and usage:
Pays for repair or replacement if your insured car is damaged in a road accident or collision with another vehicle or object.
If you accidentally damage someone else’s vehicle, property, or injure someone, we will pay for their repair or medical expenses.
Protects from damages caused by floods, earthquakes and man-made hazards like strikes and riots.
Offers compensation (based on IDV) if your car or car parts are stolen. The policy also covers if your car catches fire, while parked or in motion, or is damaged by explosions.
Covers damage to your car caused by animals, like rat bites or wild animal attacks that cause internal or external harm.
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 car, 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: For the complete list of Inclusions and Exclusions, please refer to the policy wording here
This is a usage-based insurance cover that personalises your premium rates based on how many kilometres you’ve driven within a year. You can select from 2,500 to 10,500 km* and get a 125 km grace limit*, so coverage doesn’t stop abruptly when you use up your kilometre limit. You also get a 500 km top-up option* in case you need more coverage.Pay as you drive insurance is perfect for anyone who doesn’t want to pay a flat yearly rate for their car insurance and is also ideal if you don’t use your car very often. For example, if you work from home, live near your office and use public transport or own multiple vehicles, then you can benefit from reduced premiums by getting this add-on.
Also known as a bumper-to-bumper cover, it offers full reimbursement for plastic, rubber, and fibre parts without depreciation. This means if any damaged plastic, rubber, or fibre parts have degraded with time due to regular usage, we will cover the full repair or replacement cost of these items. This cover is available for cars up to 7 years of age*.Under a normal plan without this add-on, if the depreciation rate of the part you’re replacing is 50% and the repair cost is ₹10,000, only ₹5,000 would be covered by insurance, and you would have to pay for the remaining ₹5,000. With a nil depreciation cover, the full ₹10,000 would be paid for by insurance. It’s perfect for all car owners, as replacements for trims and panels can be expensive.
In case of total loss or theft, you receive the original invoice value of your car. It covers not just the vehicle’s ex-showroom price but also includes the difference between IDV, taxes, registration fees, insurance costs, if your car wasn’t recovered or found.
You're covered for consumables like nuts, bolts, oils, and brake fluids, which are usually not covered under standard car insurance plans. These costs can add up and result in a higher repair bill, so we recommend getting this add-on if you’re looking to lower your out-of-pocket costs.
The engine is the most important part of your car. It’s also the most expensive part to repair if it gets damaged. For example, floodwater entering the air intake vents of your car can lead to a hydrolock, which can bend or break engine parts. The water can also seep into other parts of the engine – it could mix with the engine oil, causing rust and internal wear and tear, and it could short-circuit electrical components. All of this can result in a high repair bill, and if the damage is severe, you may even have to replace your car's engine entirely.But don't worry, we will cover the full repair and replacement cost of your car engine for damage caused by floods, oil leaks and accidents. This entire process can also be done cashlessly if you get your car repaired at any of our network garages.
We cover replacement costs for lost, stolen, or damaged keys (including smart-key reprogramming) and lock set repairs. It is perfect for modern cars, particularly those equipped with pricey key fobs or keyless ignitions (E.g., push-to-start buttons). For instance, if your car has a push-to-start feature, you won’t really need to use your key often. So, you’re more likely to misplace or lose your keys. In these cases, having a key & lock replacement add-on makes sense, as it’s more expensive to replace these types of key fobs.And the best part? We take care of the entire cost of replacing your keys and repairing locks, including smart-key programming, so you don’t have to worry about hefty expenses. Plus, the process is completely hassle-free when you choose any of our trusted network garages.
We cover the repair and replacement costs of your car tyres in case they are damaged due to accidents or poor road conditions.. We will also pay for any service or labour charges and the cost of consumables* during the replacement or repair of your damaged tyres. A maximum of 4 tyre replacements* will be allowed during your policy period. And any claims under this cover will not affect your No Claim Bonus discount during renewal, provided you haven’t filed any other type of claim under your policy.
It protects those stylish alloys or steel wheels that standard policies exclude. Whether you have factory-fitted rims, aftermarket wheels or have upgraded to alloys, we will cover repair and replacement costs for all of them. Your car rims will be covered for damage caused by curbs, bad road conditions or accidents. Also, claims under this cover will not affect your NCB discount during renewal, provided you haven’t filed any other type of claim.
Get emergency towing, fuel delivery, flat-tyre changes, jumpstarts, and on-site repairs anytime through our helpline or the Self-i app. This service is available 24/7, so you can reach us from anywhere. Simply call us or tap on "Service Request" to get started. We’ll be there to help get your car running again, so you can get to the nearest garage and get it repaired. If you use your car daily, we recommend adding this add-on for extra support.
We cover the loss of valuables like laptops or phones stolen from your locked car. Ideal for anyone who wants to account for theft in case they store their personal belongings in their car. For example, you could leave your laptop in your car while you step out for a bit, only to discover that it’s been stolen from your car when you get back. In these types of cases, you can file a claim, and we’ll cover the loss.
If repairs at an authorised garage exceed three days*, you receive a daily cash allowance to cover alternative transport costs like cabs or train fares. For example, if your car was scheduled for repairs at a garage for 6 days and you need to arrange for alternate transport, this add-on can be useful, as it can help you cover cab fees until you get your car back.
Covers your monthly car‑loan EMIs if repairs take longer than 21, 42, or 63 days* — easing financial stress during extended garage stays. For example, if it’s your first car and you’ve got a monthly EMI of ₹20,000, we can help cover that cost.
Retain your No‑Claim Bonus discount even after making a claim in the policy year, so you don’t lose out on future premium savings. We allow up to 2 claims per year* under this cover. This means that you can still file claims under your car insurance policy without losing your accumulated NCB bonus.
Protects aftermarket electrical fittings such as audio systems, parking sensors, GPS, and rear‑view cameras that aren’t typically covered under standard inclusions. So, the repair and replacement costs for any electrical accessories you install into your car after you’ve bought it will be covered.
EV motors and powertrains are complex and have fewer replaceable parts, which means even a minor collision can lead to replacing the entire motor unit. Repairs are costly too. The industry reports show EV part replacements cost about 15% more, and overall EV claim sizes are 60% higher. Risks aren’t limited to accidents alone. Water ingress during floods or coolant leakage can damage the electric motor, differential, or transmission units. Even rodent bites, landslides, or malicious acts can cause severe damage. While your base plan covers accidental damage, it won’t cover issues caused by unauthorized service, non-genuine parts, or improper charging practices. That’s why this add-on can turn to be essential as it covers repair or replacement of internal motor parts and related components when damage occurs due to water ingress, coolant leakage, electrical breakdown, or other covered events, saving you from hefty repair bills.**
The battery is the most expensive part of your EV, and replacing it can cost anywhere between ₹3 lakh and ₹7 lakh, depending on the model. Damage to the battery be it from an accident, unexpected power surges during charging, water ingress due to flooding, or even mechanical shock—can lead to huge repair bills. For example, heavy monsoon flooding or voltage fluctuations at charging stations can severely impact your EV’s battery or Battery Management System (BMS). While your base plan covers accidental damage, it does not include issues like ageing, overcharging, or damage caused by unauthorized charging equipment or service centers. Hence it is wiser to opt for this add-on as it ensures coverage for battery-related repairs that includes risks like power surges, water damage, and even rare incidents like battery explosion or smoke, so you’re never left paying out of pocket.*
Covers theft or damage to custom fittings like seat covers, bumper guards, and decorative trims—keeping your personalisations safe. So, the repair and replacement costs for any non-electrical accessories you install into your car after you’ve bought it will be covered.
Extend your car insurance coverage to 6 neighbouring countries* – Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka, and the Maldives. Ideal for anyone planning a cross-border road trip or for anyone who needs to travel frequently between India and these countries by road.
The charging unit, whether it’s portable or installed at your home, can be costly to replace. And since charging units tend to be left unattended for long stretches of time, they can get damaged from things like rodents chewing through the wiring, power surges, fires, or even theft. With our EV charger add-on, you’ll be covered for all these events. We ensure your charging set-up stays secure and functional.
Note: The list of add-ons provided under your plan and the coverage limits provided under each add-on are subject to change based on your chosen policy. You can find the full list of add-ons with the most up-to-date coverage limits linked here.
Here’s a quick overview of our optional add-ons and their availability with the different types of Reliance Car Insurance plans:
Here’s how car insurance premiums are calculated, whether you're using an online tool or understanding the key factors like IDV, add-ons and discounts:
The easiest way to estimate your premium is by using the Reliance car insurance premium calculator. Just enter your vehicle registration number, which will help us pre-fetch your details. Subsequently, you can also add your car make and model, fuel type, age, location, IDV details, and choose your preferred add-ons. The tool instantly displays the estimated premium for different plans to help you compare and choose wisely.
Your premium largely depends on your car’s IDV, the current market value of your car. It is the highest amount the insurer will pay you for the total loss of your car. Here’s how to calculate it:
IDV = [Ex-showroom price – depreciation] + [Cost of external accessories – depreciation]
IDV = [1,000,000 - 3,00,000] + [50,000 - 15,000] = 700,000 + 35,000 = 735,000
The older the car, the higher the depreciation and the lower the IDV, which reduces your premium.
If you opt for own-damage or comprehensive insurance, your premium is based on the IDV, insurer’s premium rate, selected add-ons and applicable discounts. The formula is:
Own-Damage Premium = [IDV × Insurer’s Premium Rate] + [Add-ons] – [Discounts + NCB]
Own-Damage Premium = [2% of 735,000] + [6600] - [3000 + 2200] = [14,700 + 6600] - [5200] = 16,100
Factors like No Claim Bonus, voluntary deductibles and anti-theft device discounts help lower the final premium amount.
Understanding what affects your car’s Insured Declared Value (IDV) can help you choose the right coverage and premium. Here are a few key factors to keep in mind:
The age of your car plays a major role in determining its Insured Declared Value (IDV). As a car gets older, its market value decreases due to wear and tear, depreciation and outdated technology. This results in a lower IDV. For example, a brand-new car will have a significantly higher IDV compared to a five-year-old car, which may have a reduced IDV of up to 50% due to its wear and tear. Therefore, an older car would have a reduced compensation amount in the event of a total loss or theft claim.
The make and model of your car significantly influence its Insured Declared Value. High-end vehicles like premium SUVs or luxury sedans typically have a higher IDV due to their greater market value, advanced features and expensive parts. On the other hand, budget-friendly cars such as standard hatchbacks have a lower IDV because they cost less to replace or repair. So, the more premium your car is, the higher its IDV will be and also its insurance premium.
The Insured Declared Value of your car is also influenced by the Regional Transport Office (RTO) under which it is registered. This is because vehicle prices, especially the ex-showroom cost, can vary depending on the location. Cars purchased in metro cities like Delhi or Mumbai usually come at a higher price due to taxes and other charges, whereas the same model may cost less in non-metro areas. As a result, cars registered in metro cities typically have a higher IDV, leading to higher insurance premiums compared to those registered in smaller towns or rural regions.
Any custom modifications or non-standard accessories added to your car, such as alloy wheels, info systems or accessories, can raise its overall value and in turn, increase your car's Insured Declared Value. These enhancements are assessed separately from the base vehicle value and are subject to depreciation over time. Since they add to the replacement cost of the vehicle, they influence the final IDV and can also slightly raise your insurance premium.
Your driving behaviour and past claim record can also impact your car’s IDV. If you have a driving history with few or no claims, your vehicle is often considered lower risk, which may help in maintaining a more favourable IDV and even earn you discounts. On the other hand, a record of frequent insurance claims or multiple traffic challans, especially for reckless driving, signals higher risk. While IDV is primarily based on market value, insurers may factor in these risks when calculating your policy, possibly leading to adjustments in the car's IDV or premium.
The Insurance Regulatory and Development Authority of India (IRDAI) sets standard third-party car insurance premium rates based on the engine capacity of the vehicle. These rates apply uniformly across insurers and vary depending on whether you opt for a 1-year or 3-year policy, and whether the vehicle is petrol/diesel or electric.
For private electric cars, the IRDAI prescribes discounted third-party premium rates based on the vehicle’s motor power (kW). These rates are uniform across insurers and differ depending on whether you choose a 1 year or 3 year policy.
Note: Third-party car insurance premiums are decided and set by the Insurance Regulatory and Development Authority of India (IRDAI) every year and are subject to change. Always check the IRDAI's official Gazette publications to get up-to-date information on the current year's premium rates.
Here are some smart tips to help you reduce your car insurance premium without compromising on coverage:
If your annual driving distance is minimal – if you own multiple vehicles or if you rely more on public transport, opting for a Pay-As-You-Drive insurance plan can be cost-effective. These plans calculate premiums based on the number of kilometres driven, starting as low as 2500 km*, all the way up to 10,500 km*. Any unused kilometres can also be carried forward to the next year, and you also get a 125 km grace limit*.
Enhance your vehicle’s security by installing anti-theft devices approved by the Automotive Research Association of India (ARAI). Such installations can make you eligible for a discount of up to 2.5%* on the own-damage portion of your premium, subject to a maximum of ₹500*. This discount applies every year, so if you have continuous coverage for 3 years, you would have saved ₹1,500 on your premiums*.
This is a viable option if you’ve accumulated a high NCB discount (E.g., up to 50%*) and don’t mind paying extra during claims to maximise your savings. For instance, if you own a high-end car, you would be paying higher yearly premiums, so pairing your NCB discount with a voluntary deductible can help significantly reduce your car insurance premiums.
Note that the default deductible, which is the mandatory deductible, is ₹1,000*. When you opt for a voluntary deductible, you’ll be choosing to pay an amount above this during claims.
Add-ons can help reduce your out-of-pocket costs in the long term, and since they come with an extra we recommend only choosing ones that you actually need. For instance, add-ons like nil depreciation, engine protection, roadside assistance, and key protection are most preferred among our policyholders.
However, if you have an older car, a nil depreciation add-on may not be as useful as a roadside assistance cover. So, always consider your car and how you typically use it to determine what type of specialised coverage you need.
Avoid filing claims for minor damages. By maintaining a claim-free record, you can accumulate a No Claim Bonus (NCB).
For instance, on the first claim-free year, your NCB discount will be 20% on renewal premiums; on the second claim-free year, it will be a 25% discount; on the third year, it will be 35%; on the fourth year, it will be 45%; and on 5 claim-free years, you will get 50%* discount on your renewal premiums.
It’s a good way to save on premium costs, and if you combine this with our NCB retention add-on, you can file up to 2 claims per year* without losing your NCB discount. This way, you get to maximise your savings while still getting car insurance coverage for emergency repairs.
Timely renewal of your car insurance policy helps maintain continuity of coverage and preserves accumulated benefits like NCB. Late renewals can lead to policy lapses, potential penalties, loss of your NCB discount and will also require a full vehicle re-inspection.
It can also lead to higher premiums since premiums are often reset based on your car’s current condition after a physical re-inspection of your car.
To ensure you don’t miss your renewal date, we offer a 30-day grace period*. We also recommend downloading the Self-i app, since we offer an instant renewal option. Just tap the "InstaRenew" option, enter your policy number and pay to renew your policy.
Your car’s depreciation is calculated based on its age. As the vehicle gets older, a fixed percentage is deducted from its value to calculate the IDV. Here are the current depreciation rates as per IRDAI:
Note: Standard depreciation percentages are decided and set by the Insurance Regulatory and Development Authority of India (IRDAI) and are subject to change. Always check the IRDAI's official website or contact us to get up-to-date information on current percentage rates.
Buying car insurance online gives you instant quotes, easy comparisons and faster policy issuance. Be it anytime or anywhere. Here's why it’s a better choice:
We offer up to a 90% discount* on premiums for car insurance policy purchases. We also offer other discounts, including a 50% NCB discount*, 2.5% off* every year for installing ARAI-approved anti-theft devices on your car, and 5% off* for having a membership in a recognised automobile association.
With Reliance car insurance, you can easily compare policy features among your chosen plans to see which one offers the best value for money. Our website also offers a free car insurance premium calculator. You can use this online tool to instantly compare car insurance prices based on the coverage features you want added to your car plan.
The buying process is fully online via the Self-i mobile app with a quick KYC process. Once payment is made, your car insurance policy is issued instantly. And since buying and renewals are fully online, you no longer have to visit our branch or contact an intermediary. It saves you the visit and time by allowing you to buy or renew on the go.
Note: These discount percentages are subject to change based on the age of the vehicle, vehicle make and model, and your chosen plan options. You can always contact us to ensure you have the most up-to-date information on your applicable discount percentages.
Choosing from comprehensive, own-damage or third-party insurance requires understanding the coverage details. Here is a comparison table to help you understand the difference between each plan and choose according to your needs:
Note: The above table provides a simplified overview of the popular types of four-wheeler insurance policies based on general features. Actual coverage and benefits can vary based on specific policy terms and conditions. Check the policy wordings for Reliance Car Insurance plans to explore the complete list of features and coverages offered. Make an informed decision that provides the best protection for your vehicle.
To ensure your car is properly protected as per its unique needs and also meets legal requirements, here’s how you can choose the right insurance policy for your vehicle:
IDV is the maximum amount you can claim if your car is stolen or damaged beyond repair. A higher IDV means better coverage but slightly higher premiums. A lower IDV reduces the cost but limits your claim value. We offer an IDV range to choose from based on your car’s make and model, so that you can choose the best one suited to you.
Choose between comprehensive cover, own-damage or third-party. Comprehensive plans cover your car and damage to others. Own-damage protects your car only. Third-party is legally mandatory. We offer all three plans with a range of bundled options for customised coverage once you provide your car details.
Add-ons offer extra protection beyond what your base car insurance plan offers you. For example, standard insurance will not cover the cost of consumables during repairs. But with a consumables add-on, these costs are covered. We recommend choosing ones based on how you use your car. We recommend going for add-ons like Engine Protect, Roadside Assistance, Nil Depreciation, Consumables Cover and Key Protection – which are also our most popular add-ons.
A large garage network ensures access to quality cashless repair facilities, no matter where you are. With Reliance General Insurance, you get access to 11,000+ cashless network garages across India for faster repairs.
Look for an insurer that settles claims quickly and easily. With us, you get Instant claims with a live video survey feature on the Self-i app. We also offer in-person claim surveys within 24 hours*. We ensure your claims are quickly settled.
Check if the insurer provides discounts on renewal premiums for not claiming your insurance and maintaining an ideal driving record. We offer up to 50%* off on your premiums for 5 consecutive claim-free years. We also offer an NCB protection add-on, allowing you to retain your NCB discount even after filing a claim.
At Reliance General Insurance, you can easily buy and renew your car insurance plan either through our website or via the Self-i app. All you need to do is enter your name, mobile number, and car registration number to get started. Then, once you've decided on a car insurance policy, complete the KYC process, pay online and get your policy instantly via email.
Note: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
To make informed decisions and avoid confusion during claims or renewals, it is important that you understand key car insurance terms. Here are some you should know:
This is the minimum legal requirement for car insurance in India. It covers the expenses if your car causes injury or property damage to someone else. It doesn’t protect your own car, but saves you from legal and financial expenses.
This covers the cost of repairs to your own car if it gets damaged in an accident, fire, natural calamity or vandalism. However, it doesn’t cover depreciation unless you buy an add-on like Zero Depreciation. This can be paired with an existing third-party plan for long-term or short-term own damage coverage.
This is a mandatory cover for the car’s owner-driver under the IRDAI’s rules. It provides coverage up to ₹15 lakhs* for injuries, permanent disability and loss of life caused by a car accident. You only need one PA cover, even if you own multiple vehicles, so if you don’t already have one, you can choose to buy one during policy purchase. Note that this will cost extra since it’s an additional cover that you’re adding to your plan.
IDV is your car’s current market value. It is the maximum amount your insurer will pay if your car is stolen or completely damaged. At Reliance General Insurance, we offer an IDV customisation feature during policy purchase, where you can choose your IDV amount under the plan. The range provided will be based on your car’s age, make/model and depreciation.
If you don’t file any claims during a policy year, you earn a No Claim Bonus, starting at 20% and going up to 50%* over five claim-free years. However, even one claim can reset your NCB to zero. You can protect it with a No Claim Bonus protection add-on.
These are garages that have a pre-existing agreement with your insurer. If your car is repaired here, you don’t have to pay upfront, the insurer pays the garage directly. With Reliance General Insurance, you can locate one easily using the Self-i App or website.
As your car ages, its value goes down due to normal wear and tear. This reduction is called depreciation. Standard policies don’t cover this unless you opt for a Zero Depreciation add-on.
This is the amount you pay out of your pocket during a claim. There are two types. Compulsory deductible is set by IRDAI based on your car’s engine size. Voluntary deductible is an amount you choose to lower your premium, but it increases your share of repair costs during a claim.
Items like engine oil, brake fluid, nuts and bolts are considered consumables. These wear out with regular use. Standard policies don’t cover them unless you buy a Consumables Cover add-on.
These are extra covers you can buy to enhance your base policy. Common ones include Zero Depreciation, Engine Protection, Return-to-Invoice, Key Protect and Roadside Assistance. They offer extended and more targeted protection but come at an extra cost.
Whether you use your car for weekend family trips, daily commutes to the office, or to drop your children off at school, you need car insurance. That’s because even the toughest of cars and SUVs aren’t completely immune to damage. Things like road accidents, flash floods, and poor road conditions (such as potholes, loose gravel, and unpaved roads) can cause significant damage to your car.For example, let’s say you drive a Hyundai Creta and hit a pothole, leading to a tyre blowout and damage to the exhaust pipe. Without car insurance, you’ll need to pay anywhere from a few hundred to several thousand rupees, especially if critical components like the exhaust pipe or oil pan are damaged.With Reliance General Insurance, you’re covered for these repair costs under our comprehensive car insurance plan. With prices starting at just ₹238/month* and over 13 add-ons with 3 EV-specific covers*, we ensure you get affordable coverage without compromising on protection.Whether you’re claiming cashlessly at one of our 11,000+ network garages* across India or using the Self-i app’s video claim feature, we ensure claims are quick, easy and promptly settled.You can also easily download your Reliance car insurance policy and have it saved on your phone to quickly verify your insurance status with the traffic police if you are ever pulled over. With Reliance General Insurance, getting car insurance has never been easier.
Having car insurance protects you financially from any losses that an accident or injury causes. Moreover, it is mandatory under Indian law to have at least third-party liability insurance, which financially protects another individual’s car or property.
There are three types of car insurance policies —
Yes, they are. They both function the same way; the only difference between them is their pricing. Offline plans are slightly more expensive because intermediary parties like agents are involved in selling the policy and get a cut of the sales they make. Online plans cut out the middleman, so they are cheaper.
To buy car insurance online, you will require the following documents:
Car insurance costs are calculated based on the car’s age/make/model, engine cubic capacity (cc), Insured Declared Value (IDV), policy add-ons (if applicable), and no-claim bonus (NCB) discount (if applicable and considered only at the time of renewal). Other factors, such as your claims history, location, any modifications made to the vehicle, and the policy type you choose, will also affect your overall cost.
You can renew your expired car insurance policy online through our website or the Reliance Self-i App.
Once our surveyor completes the inspection of your vehicle, your policy will be issued and made ready. Please note that this applies only to an own-damage or comprehensive insurance policy and not to a third-party policy.
A total loss in car insurance refers to the instance where total repair costs exceed 75% of your car’s IDV value. Total vehicular theft cases where your car is never found also fall under the definition of total loss. When this happens, the insurer reimburses you the total IDV amount during claim settlements.
Yes, it is transferable. Suppose you have accumulated an NCB discount under a policy from a different insurer. In that case, you can transfer your NCB discount within 90 days of your renewal due date when renewing your policy with us at Reliance General Insurance. You must provide the No-Claim Bonus certificate from your previous insurance company to make this transfer admissible.
The NCB will be transferred to Reliance General Insurance at the same rate you are entitled to get from your previous car insurance provider when renewing your car policy. This means the discount percentage will not change after you transfer your NCB to Reliance General Insurance. However, remember to provide the No-Claim Bonus certificate from your previous insurance company to ensure the transfer.
An endorsement in car insurance is written proof of an agreed-upon change in the auto insurance policy as and when the need arises. There are 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, electrical accessories in car insurance (addition of LPG / CNG kits), change of RTO location, etc.
In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy, such as a correction in contact details, a correction in name, a correction in engine/chassis number, the addition of hypothecation, etc.
You can make changes to your car policy only in the following cases:
For an endorsement, you simply need to raise a service request online by logging onto our website: www.reliancegeneral.co.in
If you change your location, your policy will remain unaffected. However, your insurance might change at the time of renewal if you move from a Zone B location (which includes non-metro cities) to a Zone A location (which includes metro cities like Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune).
If you are planning on selling your car, you can do one of the following two things.
However, the policy can only be cancelled once we receive a copy of the new policy. This is because any car must be insured, at least against third-party damages. 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 of cancelling / transferring the old policy.
Once a request is logged in, the inspection process takes place within 24 hours. An online recommendation from the surveyor follows a successful inspection. Within 48 hours of that recommendation, you must log in to the website and convert your auto insurance policy. If you fail to convert your policy within that time frame, you will have to go through the entire process again.
The auto insurance policy covers damage or loss to the car due to:
The NCB Retention Cover is an add-on cover that helps you 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 claimed in the previous policy year.
There are a few conditions, though
Also, the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to ₹10 Lakhs only.
For example, assume that you earned 20% NCB on your previous year's car policy and that your car's IDV is ₹10 Lakhs. Now, on this car, if you've made any claim up to ₹2.5 Lakh, you will still be eligible for a 20% NCB if you renew with us. If you want to claim this facility, you only need to pay a small additional premium.
This add-on cover entitles you to get 100% repayment on the depreciated parts 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 premium, you can benefit from the repair costs. The covered car parts are fibreglass, rubber, tyres, batteries, airbags, nylon, and plastic parts.
Note - We cover only private cars, with a maximum of two claims in one policy period. This cover is applicable only to select makes and models.
The Total Cover add-on reimburses you for the costs of registration fees, octroi, road tax, and insurance premiums. This coverage is offered when your car is lost, stolen, or damaged beyond repair.
This add-on offers the full amount mentioned on your car's original invoice. This includes all associated costs in case of a total loss in car insurance.
The voluntary deductible is an amount you agree to pay towards a claim before we pick up the balance. It is a fixed 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 your car insurance premium.
For example, suppose your claim amount is ₹20,000, the compulsory deductible is ₹2,000, and the voluntary deductible is ₹3,000. In this case, you have to bear the ₹5,000 out of pocket while we cover the remaining ₹15,000.
At Reliance General Insurance, we will award you with a suitable discount based on the following table.
*Own Damage premium
No, we will issue the insurance policy only if the RTO mentions the LPG/CNG kit on the RC.
Yes. 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.
ARAI stands for Automotive Research Association of India. Suppose you have installed a certified ARAI-approved anti-theft device in your vehicle. In that case, you can get a discount of 2.5% on the OD (Own Damage) premium subject to a maximum of ₹500.
Insurers encourage the use of ARAI-approved anti-theft devices in car insurance. These help reduce a vehicle’s overall risk profile, thereby reducing premiums.
These are amenities/devices fitted to your car that enhance your comfort and driving experience. Some examples include an LPG or CNG kit, alloy wheels, anti-theft devices, seat covers and high-end stereo systems.
Electrical accessories can increase your premiums. It is important to communicate any modifications to your car at the time of policy purchase or renewal.
You can claim the Personal Accident cover in case the following results from an accident
For death claims, you must be listed as the policy beneficiary.
For personal injury and disablement, the PA cover will only cover you—the registered owner of the car/policyholder. Personal accident cover does not mandate coverage for your passengers. You will need to get a separate add-on to cover them.
You should report to the police immediately by contacting or going to the nearest police station:
In the event of an accident or mishap, we will provide complete assistance to get you back on the road. Keep your car insurance policy papers in your automobile at all times. This procedure applies to both reimbursement claims and cashless claims in car insurance.
If the car's damage is minimal and does not affect its overall performance, it is always a good idea not to file a claim. This can help you easily build towards a No-Claim Bonus (NCB) for every claim-free year.
The NCB can reduce your premium cost by half. Just don't make any claim on your car insurance policy for a few years. In fact, the amount you spend on small repairs occasionally is less than the amount you stand to lose as a No-Claim Bonus. In fact, the amount you spend on small repairs occasionally is less than the amount you stand to lose as a No-Claim Bonus.
You can cancel your claim by calling our Paid Number: +91 22 48903009. Additionally, you can contact the designated claim manager and submit a formal request (mail) to withdraw the claim.
You can use our garage locator tool to find your nearest cashless garage. Click here to find the address on your nearest cashless garage list.
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Disclaimer: T&C apply. For more details on risk factors, terms and conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned here are for the product – Reliance General Insurance Private Car Package Policy. UIN: IRDAN130RP0010V01201920; Reliance General Insurance Private Car Policy – Bundled, UIN: IRDAN130RP0007V02201819; Reliance General Insurance Private Car Policy – Standalone Own Damage UIN: IRDAN130RP0010V01201920; “A” Policy for Act Liability Insurance (Pc/ Tw/Commercial) , UIN: IRDAN130RP0030V01201920; Third Party Liability Insurance (Private Car) – 3 years, UIN: IRDAN130RP0030V01201920; Engine Protector for Private Car, UIN: IRDAN130RP0010V01201920/A0009V02201920; Engine Protector for Private Car– Bundled, UIN: IRDAN130RP0007V02201819 / A0036V02201819; Engine Protector for Private Car for Motor Secure Plus and Motor Secure Premium– Own Damage, UIN: IRDAN130RP0010V01201920/A0011V01201920; Consumables Expenses (Private Car), UIN: IRDAN130RP0010V01201920/A0020V01201920; Consumable Expenses for Private Car– Bundled, UIN: IRDAN130RP0007V02201819; Consumable Expenses for Private Car for Motor Secure Plus and Motor Secure Premium– Own Damage, UIN: IRDAN130RP0010V01201920/A0005V01201920; Key Protect Cover (Private Car) UIN No: IRDAN130RP0007V02201819/A0030V02201819; Nil Depreciation for Private Car UIN No. IRDAN130RP0001V01201920/A0013V01201920; Nil Depreciation for Private Car– Bundled, UIN: IRDAN130RP0007V02201819/A0013V02201819 and Key Protect Cover for Private Car for Motor Secure Premium– Own Damage, UIN: IRDAN130RP0010V01201920/A0039V01201920; Key Protect Cover for Private Car for Motor Secure Premium– Own Damage, UIN: IRDAN130RP0010V01201920/A0012V01201920; Reliance General Insurance Limit Sure– Pay As You Drive UIN No: IRDAN130RP0007V02201829/A0030V01202223. NCB Retention Cover for Private Car for Motor Secure Premium– Own Damage, UIN No: IRDAN130RP0010V01201920/A0012V01201920; NCB Retention Cover for Private Car– Bundled, UIN: IRDAN130RP0007V02201819/A0033V02201819; EMI Protection for Private Car, UIN No: IRDAN130RP0010V01201920/A0006V02201415; EMI Protection for Private Car– Own Damage, UIN: IRDAN130RP0010V01201920/A0041V01201920.
Premium: The premium mentioned for car insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
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 General Insurance Limit Sure–Pay As You Drive.
Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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