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Car Insurance

Four-wheeler insurance by Reliance General Insurance - unbeatable prices and complete protection!

Start every journey with confidence and your #CarKaYaar. With Reliance General Insurance car insurance policies, you get comprehensive protection for your vehicle. Secure your peace of mind and drive worry-free with us today!

Enjoy tailor-made coverage that fits your specific needs, whether it is third-party liability or comprehensive car insurance. Plus, take advantage of our hassle-free claims process and 24x7 customer support.

Trust us to keep you and your car safe on the road, ensuring that your driving experience is always smooth and secure. We understand that every driver and vehicle has unique needs, which is why we offer a range of car insurance add-ons such as Nil Depreciation and 24x7 Roadside Assistance.

Our four-wheeler insurance policies are designed not only to meet legal requirements but also to provide extra layers of protection that enhance your driving safety and comfort. Whether you are commuting to work, travelling on a family vacation or just running errands, our car insurance solutions provide the security and flexibility you need.

With competitive premiums and easy online policy management, you can customise your coverage and handle all your insurance needs with just a few clicks.

Make the smart choice for your car insurance policies with Reliance General Insurance, and experience the perfect blend of coverage, convenience and care.

3 crore+
happy customers
network garages*
claims settled*
starting premium*
Car Insurance
What is Car Insurance

Car insurance, or four-wheeler insurance, is not just a legal contract between you - the policyholder - and a general insurance company; it is a financial plan designed to protect your vehicle and offer financial relief in times of unexpected events.

This legal agreement ensures your peace of mind by covering damages from accidents, theft and third-party liabilities.

Having motor insurance is not just a prudent financial decision; it is a legal requirement. As per the Motor Vehicles Act of India, having a valid third-party liability auto insurance plan is compulsory for all vehicles on the road.

However, if you seek a balance between affordability and complete coverage, it is advisable to buy comprehensive car insurance online. It offers extensive protection and ensures peace of mind with coverage for the car, the owner-driver and 3rd party liabilities.

At Reliance General, our car insurance policies are designed with the customer in mind, offering a suite of benefits:
  • Comprehensive coverage- Vehicle theft protection, own-damage cover and third-party liability protection
  • Protection for YOU- Get personal accident cover up to ₹15 lakhs for the owner-driver
  • Affordable car insurance prices- Balancing protection and affordability so you don’t have to compromise on either
  • Reliable claim process- Seamless settlements, real-time claim tracking and a 100% claim settlement ratio*
  • Exclusive add-ons- From Nil Depreciation Cover and 24x7 Roadside Assistance to dedicated covers for electric vehicles (EVs)
  • Pay-as-you-drive- Our Limit Sure allows you to pay premiums basis the distance driven
  • Hassle-free purchase and renewal- Buy or renew your policy with just a few clicks on our user-friendly platform

To better understand how four-wheeler insurance policies help you, let us look at an example:

Imagine driving your new car, a shiny red beauty that represents your hard-earned investment. Despite your cautious driving, a truck swerving into your lane leads to an unavoidable collision.

With Reliance General’s comprehensive car insurance policy, the financial impact of this accident, from repairing damages to the car and covering your medical expenses, would be significantly mitigated.

This scenario underscores the importance of having a solid four-wheeler insurance plan in place to provide financial protection in unavoidable circumstances.

With Reliance General, securing your vehicle against the unexpected is easy and reliable. Whether you are looking to buy car insurance online for the first time or seeking car insurance renewal online, our tailored policies, affordable prices and dedicated customer service ensure your vehicle is in good hands.

Features of
Car Insurance by Reliance General

Car Insurance by Reliance General stands out for its comprehensive coverage, customer-centric features and competitive pricing.

Car Insurance Premium

Car Insurance Premium

Starting at ₹238/Month*

Reliance General provides competitive car insurance prices, ensuring affordability without sacrificing coverage. This approach guarantees top-notch protection for your vehicle at a price that suits your specific budget.

Cashless Repairs

Cashless Repairs

8,500+ Cashless Garages*

Gain access to the extensive network of Reliance cashless garages nationwide. The service includes free transportation of your car to and from the garage, emphasising convenience and efficiency in repairs.

NCB in Car Insurance

No Claim Bonus in Car Insurance

Up to 50%*

Enjoy up to a 50% discount* on car insurance premiums after five claim-free years with Reliance General's NCB in insurance. This reward system encourages safe driving and claim-free records.

Car Insurance Discount

Discount on Car Insurance Prices

Up to 80%*

Reliance General offers premium discounts for car insurance online purchases. This digital convenience allows policy comparison and procurement from home, making savings accessible with a few clicks.

Seamless Claim Process

Seamless Claim Process

Easy Video Claims

We boast a 100% claim settlement ratio* for FY 2023-24. Our claims settlement process is enhanced by transparent video claims and real-time tracking, ensuring a smooth and reassuring experience for policyholders.

Quick Claim Survey

Quick Claim Survey

48 hours only

Report a claim and receive a call for a survey within 48 hours from us. This prompt response guarantees a swift, efficient and seamless claim settlement process, prioritising your convenience.

Pay As You Drive Add-on

Limit Sure Cover

Pay only for the distance driven

The Pay-As-You-Drive option aligns your premium with your car's mileage. This innovative approach offers a fair and flexible premium system, ensuring you pay proportionately to your vehicle's usage.

Third-Party Damages

Third-Party Damages

Coverage for third-party property and persons

Reliance General covers all third-party liabilities, offering comprehensive protection against legal and financial consequences of damages, injuries or deaths caused to others by your vehicle.

Own Damage Insurance Cover

Own-Damage Cover

Complete coverage for your vehicle

This coverage safeguards your car against damages from accidents, theft, fire, vandalism, and both natural and man-made disasters, ensuring your peace of mind in a range of scenarios.

Personal Accident Cover

Personal Accident Cover

Up to ₹15 lakhs

A mandatory cover providing financial protection for the owner-driver in the event of death or permanent disability resulting from an accident involving the insured vehicle, emphasizing safety and security.

Reliance Car Insurance Add-ons

Wide Range of Add-Ons

10+ car insurance add-ons available

Customise your comprehensive car insurance with various add-ons like Nil Depreciation, Engine Protection and Return to Invoice among others, for enhanced coverage tailored to your specific needs.

Seamless Buying/Renewal Process

Buy/Renew Car Insurance Online

Zero paperwork

Reliance General simplifies the process of purchase and car insurance renewal online. This convenience streamlines policy issuance, making it easy for policyholder to maintain continuous coverage effortlessly.

Dedicated Customer Support

Dedicated Customer Support

24x7 expert help

Reliance General's customer support is available round-the-clock to assist with purchases, claims, enquiries and any other insurance-related needs, ensuring you have the support you need, whenever you need it.

Types of
Car Insurance

Reliance General offers a variety of car insurance options to suit the diverse needs of vehicle owners. Understanding the different types of policies can help you make an informed decision.

Here are the three main types of four-wheeler insurance plans available:

Third-Party Car Insurance

Third-Party Car Insurance

Third-party car insurance meaning: A third-party liability insurance policy covers you against liabilities to third parties for injuries, death, and property damage when your vehicle is involved in an accident.

Features and benefits:

  • Third-party car insurance is a legal requirement under the Motor Vehicles Act for all vehicle owners.
  • The third-party insurance premium for cars is regulated by the IRDAI, making it a cost-effective option for those seeking basic coverage.
  • Reliance General’s third-party car insurance online policies are easy to purchase and renew, providing hassle-free compliance with legal requirements.
Own-Damage Car Insurance

Standalone Own Damage Policy

Own-damage insurance meaning: The Own Damage Insurance policy protects against vehicle damages caused by accidents, natural calamities, fire, and theft.

Features and benefits:

  • Own Damage Insurance is an excellent choice for those who already possess third-party car insurance but want additional protection for their vehicle.
  • Reliance General offers own-damage car insurance with flexible coverage options and add-ons, such as nil depreciation cover, allowing you to tailor the policy according to your needs and budget.
Comprehensive Car Insurance

Comprehensive Car Insurance

Comprehensive coverage meaning: Comprehensive Car Insurance also called first-party car insurance, offers the most extensive coverage. It combines third-party liability with own-damage protection and optionally includes add-ons like zero depreciation car insurance.

Features and benefits:

  • A comprehensive insurance policy covers almost all forms of damages and losses, including theft, natural disasters and accidents, along with liabilities to third parties, under a single policy.
  • Reliance General’s comprehensive car insurance is designed for those seeking peace of mind with complete protection for their vehicle.
  • We offer flexibility in coverage with 10+ add-ons to meet individual needs.
  • Additionally, get a personal accident cover up to ₹15 lakhs for the owner-driver.
Zero Depreciation Car Insurance by Reliance General Insurance

Zero Depreciation Car Insurance

Meaning of zero depreciation car insurance: Zero depreciation car insurance, also known as nil depreciation cover, ensures that you receive the total cost of replacing car parts without deducting for depreciation in the event of a claim.

Features and benefits:

  • This type of insurance is especially beneficial for new or high-end cars, where the cost of replacement parts can be high.
  • Reliance General offers zero depreciation car insurance as an add-on with an own-damage or comprehensive insurance policy.
  • Our Nil Depreciation add-on ensures that depreciation does not affect your claim settlements and you get truly comprehensive coverage.

Choosing the right four-wheeler insurance policy depends on your specific requirements, the value of your vehicle, and how much protection you seek.

Reliance General strives to provide policies that cater to the unique needs of every car owner, ensuring safety, security and peace of mind on the road.

Third-Party Liability vs
Comprehensive Car Insurance

Parameters Third-Party Car Insurance Comprehensive Insurance Policy
Meaning Covers damages to third parties caused by your vehicle Covers both third-party liabilities and damages to your own vehicle.
Extent of Coverage Third-party liability, legal liability for injury, death and property damage to third parties. Third-party liability, personal accident cover and damages to the vehicle, including theft, natural disasters and accidents.
Legal Mandate Yes, as per the Motor Vehicles Act. No, but highly recommended for comprehensive coverage.
Car Insurance Premium Generally lower as it provides basic coverage. Higher, due to the broader coverage and protection.
Car Insurance Price Decided By Regulated by the IRDAI annually, varies based on the vehicle's engine capacity. Depends on various factors, including vehicle make and model, age and add-ons chosen.
Choice of Add-ons Not applicable. Optional add-ons like nil depreciation, engine protection, return-to-invoice, etc., are available.
Discount on Car Insurance Premiums Limited options available, mainly for installing anti-theft devices. Various discounts including No Claim Bonus, anti-theft device installation and membership in automobile associations.
Third-Party Liability Cover Covers unlimited liability for injury/death and up to a certain limit for property damage. Covers unlimited liability for injury/death and up to a certain limit for property damage, similar to third-party insurance.
Personal Accident Cover Optional, but recommended for the owner-driver's safety. Mandatory for the owner-driver.

Both four-wheeler insurance types have their advantages and disadvantages, and the choice between third-party liability and comprehensive insurance policy depends on the level of coverage you seek and your budget.

Third-party car insurance is ideal for those seeking a cost-effective solution to meet legal requirements without the need for comprehensive vehicle protection. It is suitable for older cars or vehicles with lower usage.

Conversely, comprehensive coverage, or first-party car insurance, is recommended for new or high-value car owners looking for extensive coverage against both third-party liabilities and damages to their own vehicles. Comprehensive four-wheeler insurance is also ideal for those who want targeted protection with add-on covers.

Understand the Coverage
Offered Under Car Insurance

Reliance General four-wheeler insurance policies are designed to offer comprehensive protection for your vehicle, ensuring peace of mind during your journeys.

Our car insurance coverage includes:

While Reliance General car insurance offers extensive coverage to protect your vehicle, certain scenarios and damages are typically not covered.

Understanding these four-wheeler insurance exclusions is crucial for you to navigate your coverage effectively and understand the limitations:

Third-Party Liability

Third Party Liabilities

Covers financial liabilities arising from 3rd party liability claims, including damage to third-party property, injuries to individuals and death.


Accident and Collision Coverage

Reimbursement of repair or replacement costs resulting from collisions or road accidents of the insured vehicle.

Car Theft

Theft of Insured Car

Coverage for damages caused by theft of car or car parts based on the Insured Declared Value (IDV) of the vehicle.

Natural Disasters

Natural Calamities

Natural calamities covered in car insurance include floods, earthquakes, hurricanes and heavy rainfall.

Man-Made Calamities

Man-made Calamities

Coverage for damages due to man-made events like riots, vandalism, strikes, terrorism and malicious acts.


Fire and Explosion

Coverage for damages due to fire outbreak or explosion, including incidents while parked or in motion.

Animal Attack

Animal Attack/Rat Bites

Coverage for animal attacks or rat bites in car insurance includes protection against such threats in the insured vehicle.

In Transit

In-Transit Damage

Protection against damages while the car is being transported by road, rail, inland waterway, air or lift from one place to another.

Personal Accident Cover

Personal Accident Cover

Compensation up to ₹15 lakhs for the owner-driver in case of accidental death or permanent total disability arising from a car accident.



The decrease in the car’s or car parts’ value due to wear and tear is not covered unless nil depreciation or return-to-invoice add-ons are opted for.

Mechanical Breakdown

Mechanical Breakdown/Failure

Damages resulting from a mechanical or electrical breakdown or failure caused by the vehicle's own mechanical failures are not covered.

Invalid License

Illegal Driving

Any damage caused while driving illegally, such as using the car for illegal races or in restricted areas, is not covered.

Driver Negligence

Driver Negligence

Damages/accidents caused by reckless driving or failure to follow the traffic rules by the owner-driver will not be covered.

Driving Without Valid Documents

Driving Without Valid Documents

Accidents/damages occurring when driving without a valid driving licence or necessary documents are not included.

Drunk Driving

Drunk Driving

Accidents occurring while the driver is under the influence of alcohol or drugs are not covered.

Outside Geographical Area

Driving Outside Geographical Limits

Damages or accidents occurring outside the geographical boundaries specified in your car insurance policy are not covered.

Pre-existing damage

Pre-existing damage

Any damage to the vehicle that existed prior to the start of the four-wheeler insurance policy is not covered.



Any damages caused by war (nuclear wars, civil wars, etc.), invasion, acts of foreign enemies, and so on will not be covered.

Wear and Tear

Normal Wear and Tear

The usual degradation of the vehicle over time, including minor scratches, dents not caused by a covered event, and ageing of parts, is not included.

Electrical Damage

Electrical Damage

Damages to electrical components not caused by a covered peril (such as an accident or external damage) might not be covered.

For comprehensive coverage, consider add-on covers, such as nil depreciation, return-to-invoice, engine secure, etc., that can enhance your four-wheeler insurance policy and provide more extensive coverage.

Why Do You Need
Car Insurance?

Car insurance is a crucial lifesaver that protects you and your vehicle from various risks and uncertainties.

Accidents, thefts, damages and liabilities can result in significant financial losses, but four-wheeler insurance offers a safety net that helps you mitigate these risks. It also helps to comply with legal requirements and offers peace of mind while driving on the roads.

Here are some top reasons why you should buy car insurance:

  • Comply with the Motor Vehicles Act: It is mandated by law to have at least third party car insurance for your vehicle. Buying a 3rd party insurance policy helps you avoid legal penalties and fines.

  • Protects from Third Party Liability: Car insurance covers your liability towards 3rd parties for any injuries, death or property damage. This protection is crucial to safeguard against potential financial and legal repercussions.

  • Cover Against Theft: Car insurance provides financial cover in the event of the theft of your vehicle. You are reimbursed the prevailing market value of the car, ensuring you are not left bearing the full financial burden.

  • Protect from Financial Losses: Accidents can result in significant financial losses. Having four-wheeler insurance ensures you are covered for repairs to your vehicle or the cost of replacement in case of total loss.

  • Cover Against Natural Calamity: Damages caused by natural disasters like floods, earthquakes, heavy rainfall and landslides can be extensive. Car insurance helps mitigate these costs, protecting you from the cost of repairs or replacement.

  • Personal Accident Cover: Four-wheeler insurance policies offer personal accident cover for the owner-driver. This provides a financial cushion for medical treatment in case of injuries or compensation to the family in the event of death.

  • Enhanced Coverage Options: With a variety of add-ons available, you can customise your car insurance policy to suit your specific needs, ensuring targeted and comprehensive coverage beyond the base policy.

  • Network of Cashless Garages: Access to a wide network of cashless garages makes the repair process seamless and hassle-free, ensuring quality service without upfront payments.

  • Peace of Mind: Knowing that you are protected against a wide range of incidents can provide significant peace of mind while driving.

Car insurance is not just a legal formality but an essential part of your financial plan. It is a crucial investment in your financial security and peace of mind. It ensures that you, your vehicle and others on the road are protected against various risks and uncertainties.

Car Insurance
Add-on Covers

Reliance General car insurance add-ons enhance the coverage of your base policy, allowing for customisation according to specific needs and concerns. Each four-wheeler insurance add-on offers specific benefits, ensuring a more comprehensive financial cover for your vehicle.

Some of our popular add-ons in car insurance are:

Car Insurance add-ons What it means? What it covers?
Pay-As-You-Drive Car Insurance This plan adjusts your insurance premiums based on the distance your car travels, making it an economical choice for low-mileage drivers. Select the Limit Sure option to pay only for the kilometers your car covers. This includes options to buy extra kilometers, carry forward unused ones or get refunds for them, ensuring you pay for what you use.
Nil Depreciation or Bumper-to-Bumper Insurance Zero depreciation car insurance ensures that depreciation is not deducted from the coverage of replacing vehicle parts, providing full depreciation reimbursement. You receive the total cost of any replaced parts after an accident without the deduction for depreciation, keeping your vehicle's value intact after repairs.
24x7 Roadside Assistance Roadside cover offers immediate and 24x7 assistance for vehicle breakdowns, ensuring help is always available. Roadside Assistance coverage includes a wide range of services such as towing, fuel delivery, flat tire changes, battery jump-start and even accommodation in case of emergencies, ensuring you are never left stranded.
Engine Protection Cover Engine protect in car insurance safeguards against damages to your car's engine, one of the most expensive components to repair. It encompasses repairs or replacements of the engine due to water ingress, oil leakage or any other engine-related issues, securing one of your vehicle's most crucial parts.
Return-to-Invoice Cover If your car is declared a total loss, the return-to-invoice cover compensates you the amount equal to the car's original purchase price. In cases of theft or total loss, you are compensated with the on-road price of your vehicle, not just the Insured Declared Value (IDV), making it ideal for newer vehicles.
Total Cover This add-on provides the full on-road price of the vehicle in case of severe damage or total loss This includes the on-road price of your car, along with reimbursement for registration fee, road tax and the insurance premium paid, ensuring no out-of-pocket expenses in catastrophic scenarios.
EMI Protection Cover This car insurance coverage takes care of your car loan EMIs during extended repair periods, providing financial relief. If your car's repairs exceed 21 days, the insurance will cover your car loan EMIs, ensuring your finances are unaffected during lengthy repairs.
NCB Retention Cover This add-on allows you to retain your discounts from No Claim Bonus in car insurance even after making a claim, preserving your benefits. NCB Retention protects your accumulated NCB in insurance for up to two claims, ensuring you continue to enjoy lower premiums despite claims.
Daily Allowance Benefit Daily allowance in car insurance provides an allowance for alternate transportation while your car is under repair, minimising inconvenience. This add-on offers a fixed daily sum for a specified number of days when your vehicle is in the garage, helping you manage transportation costs.
Key Replacement Cover This add-on covers the costs associated with replacing lost or stolen car keys, including the locks if necessary. Key replacement cover in car insurance includes expenses for replacing your keys and locks, and cutting new keys, securing against the high costs of key replacement.
RIM Protection The cover offers financial protection for the repair or replacement of your vehicle's rims. RIM Protection in car insurance covers the costs of repairing or replacing damaged rims, which is particularly beneficial for cars equipped with high-end or expensive rims. It is crucial for maintaining vehicle aesthetics and functionality.
Tyre Protection Cover This cover includes repair or replacement of your car's tyres due to damage or wear and tear, ensuring road safety. Tyre insurance cover provides coverage for tyre repairs and replacements, including accidental damage and natural wear, keeping your vehicle safe and operational.
Consumables Expenses Consumables cover in car insurance covers the cost of consumables required after an accident, including items often overlooked in standard policies. This extends to consumables in car insurance like nuts, bolts, grease and lubricants, ensuring you are reimbursed for these small but essential items after repairs.
Loss of Personal Belongings This add-on reimburses you for the loss of personal items stolen from your car, providing peace of mind against theft. Loss of Personal Belongings offers compensation for the loss of valuables like laptops and smartphones, up to a specified limit, securing your belongings against theft or loss.
Geo Extension This extends your insurance coverage to additional countries, ideal for those who frequently travel abroad by car. This add-on includes coverage in countries like Pakistan, Nepal, Bangladesh and others, including during sea/air travel, ensuring your car is protected beyond domestic borders.

Ideal for those who drive their car outside the domestic limits of India
Electrical Accessories This provides coverage for damage or theft of the vehicle's custom-installed electrical accessories, ensuring your tech enhancements are protected. The coverage for this add-on includes repairs or replacements for accessories such as audio systems and navigation units, safeguarding your investment in these enhancements.
Non-Electrical Accessories This add-on covers damages or theft of non-electrical modifications to your vehicle. The cover protects against the financial loss of non-electrical upgrades to your car, ensuring that custom enhancements, such as seat covers, alloy wheels, etc., are financially safeguarded.
Emergency Hotel Accommodation This coverage reimburses hotel accommodation costs in case of vehicle breakdown This add-on provides financial support for hotel accommodations if your vehicle is unusable and you are stranded more than 200 kilometres from your authorised residential address, ensuring comfort in stressful situations.
Electric Vehicle Battery Protection Tailored for electric vehicles, this add-on covers the battery, which is essential for the EV's operation. It covers damage, theft or breakdown of the EV's battery, securing against the high costs associated with battery repair or replacement.
Electric Motor Protect This add-on offers financial protection for the electric motor of your EV. The coverage includes the repair or replacement costs of the EV's motor, ensuring that your vehicle remains operational without imposing financial burdens.
Electric Vehicle Charger This add-on covers your EV's charging unit, protecting against the financial implications of accidental damage or theft. The cover ensures repair or replacement costs for the EV's charging unit are covered, maintaining your vehicle's charging capability without unexpected expenses.

Also Read: How Add-ons Are Useful in a Car Insurance Policy?

Factors that Affect Your
Car Insurance Premium

Understanding the factors that affect your premium is vital for making informed decisions and ensuring the most cost-effective car insurance coverage.

Engine Capacity

Engine Capacity

The capacity of your car's engine will affect its insurance premium. The higher the engine's cubic capacity, the higher the premium.

The Insurance Regulatory and Development Authority of India solely determines third-party insurance premium rates in India, and they are based on the engine's cubic capacity.


Insured Declared Value (IDV)

IDV refers to the current market value of your car after adjusting for depreciation. IDV for car insurance is the total value that you can claim in case of theft or complete damage to your car.

Cars with higher IDV attract a higher premium.

Car Insurance Cover

Insurance Coverage

The type of car insurance coverage, whether third-party car insurance, standalone own-damage car insurance, comprehensive car insurance, or zero-depreciation car insurance, is a significant factor in determining the cost.

Reliance Car Insurance Add-ons


Add-ons to car insurance offer enhanced coverage. However, they are available at an additional yet reasonable cost.

The premium will increase based on the type and number of car insurance add-ons included in your policy.

Car Age

Age of the Car

The IDV for car insurance will reduce due to depreciation as your car ages. It means a brand-new car with a higher IDV will incur a higher premium compared to an older car.

Car model

Car Model

Every car model has a distinct specification that determines factors such as safety ratings, repair expenses, and the cost of purchasing specific parts.

These factors shape the risk profile for your car, which in turn affects your four-wheeler insurance premium.

Car Fuel Type

Fuel Type

Certain fuel types incur higher repair costs for specified parts. Additionally, the market value of the car and, thus, its IDV is determined by its fuel type.

For this reason, they can increase your four-wheeler insurance premium.

Car Insurance Claim History

Claims History

Claims history is yet another important factor affecting your four-wheeler insurance premium. If you have not registered a claim during the previous policy year, you are eligible for a No-Claim Bonus.

With the no-claim bonus in car insurance, you can benefit from progressive discounts that reduce your renewal premium for every claim-free year.

Car Insurance Deductible


A car insurance deductible is the percentage of the claim amount that you will pay out of your pocket. If you choose a higher voluntary deductible in car insurance, you can benefit from a lower premium.

However, a higher deductible means you will bear a higher proportion of the car insurance claim. Therefore, ensure that you strike the right balance based on your affordability.

Car Insurance Modifications

Car Insurance Modifications

Any modifications to your coverage, such as adding/deleting add-ons to the base cover, modifying IDV, using NCB discount or losing NCB due to claims, will affect your four-wheeler insurance premium.


Geographical Location

Suppose you drive your car frequently in an accident-prone zone, flood-prone zone, or other similar riskier areas.

Your car insurance premium will increase due to the higher probability of claiming insurance for car damage more extensively than in other places.

Anti-Theft Devices for Car

Anti-Theft Devices

Anti-theft devices installed in your car can prevent unauthorised access and theft. By reducing the chances of theft, they can also reduce your car insurance premium.

Car Modifications

Modifications to the car

As discussed here, your car insurance premium is determined based on your car's engine cubic capacity, make and model, accessories, and other specifications.

Therefore, a modification to your car that can affect these factors will increase or decrease the risks involved and, apparently, the premium.

Modifications that increase the risks will attract a higher premium. On the other hand, if more safety accessories or features are included, it can lower your premiums.

How to Calculate
Car Insurance Premium

While insurance policies may have fine print that includes terms, conditions, exclusions, and special cases, the premium is the upfront cost that requires a closer look. It is more than just a number. You need to dig deep to get a thorough understanding of how that number really landed or what kind of calculation process is required.

Now that you have seen the different factors that affect the four wheeler insurance premium, you estimate the car insurance premium cost for yourself! It helps you compare the different product solutions and choose the best car insurance policy for all your financial needs.

Here are a few methods to calculate your car insurance premium.

● Using a car insurance premium calculator

A car insurance premium calculator is an online, simple, and user-friendly tool. You just need to input a few details, such as your car specifications, type of coverage required, and add-ons. And your car insurance premium will be right there! It is the most suitable method to calculate new car insurance.

● Using the IDV calculation formula

The IDV for your car insurance can be calculated using the following formula:

IDV = [Listed selling price of the manufacturer – depreciation] + [Cost of accessories not incorporated in the list price – applicable depreciation]

● Using the own-damage premium calculation

The formula to calculate the own-damage premium amount is:

Own-Damage Premium = IDV x [Premium Rate (decided by the insurer)] + [Add-Ons] - [Acquired Discounts and Benefits]

● Third-party car insurance premium

Third-party car insurance premium rates are determined by the Insurance Regulatory and Development Authority of India (IRDAI). The premium rates as of 2023 are as follows:

Single Premium For Cars - 1-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 1000 CC ₹2,094
Between 1000 and 1500 CC ₹3,416
More than 1500 CC ₹7,897

Single Premium For Cars - 3-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 1000 CC ₹6,521
Between 1000 and 1500 CC ₹10,640
More than 1500 CC ₹24,596

Single Premium For Electric Cars - 1-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 30KW ₹1,780
Between 30KW and 65 KW ₹2,904
More than 65 KW ₹6,712

Single Premium For Electric Cars - 3-Year Policy

Engine Cubic Capacity Third Party Insurance Premium as per IRDAI
Within 1000 CC ₹5,543
Between 1000 and 1500 CC ₹9,044
More than 1500 CC ₹20,907

How to Reduce
Car Insurance Premium?

Reducing your car insurance premium is possible with several strategic choices and an understanding of the factors that influence premium costs.

Here are some popular and easy ways to reduce your four-wheeler insurance cost:

  • Compare Car Insurance: Before renewing or buying, compare car insurance plans online. Using online tools and calculators can help you find the best car insurance at the lowest price, tailored to your requirements.

  • No Claim Bonus in Car Insurance: Get up to 50% discount on premiums for 5+ consecutive claim-free years. Consider buying the NCB Protection Cover add-on to protect this bonus, even after making up to 2 claims.

  • Reduce Claims: Consider paying for minor claims out of pocket instead of filing a claim for every small incident. Frequent car insurance claims can increase your premium, whereas lower claims ensure NCB discounts and lower premiums.

  • Opt for Pay-As-You-Drive Insurance: If you drive less, choose the Pay-As-You-Drive car insurance plan. This plan adjusts the premium based on the actual distance you drive, ensuring savings for low-mileage drivers.

  • Avoid Unnecessary Add-ons: Add-ons in car insurance provide targeted and extensive coverage. However, carefully select only those that you truly require and avoid unnecessary premium additions.

  • Anti-Theft Devices in Car Insurance: Installing approved anti-theft devices in your vehicle can reduce your premium, as it reduces the risk of theft, which insurers consider when calculating your premium.

  • Timely Car Insurance Renewal: Renewing your four-wheeler insurance before it expires can prevent any penalties and fines associated with lapsed coverage. Also, you can enjoy discounts for uninterrupted coverage.

  • Voluntary Deductibles in Car Insurance: If you are confident about your driving and the condition of your vehicle, opt for a higher voluntary deductible. A higher deductible reduces the insurer’s risk, thereby reducing your premium.

Benefits of Buying
Car Insurance Online

Buying car insurance online with Reliance General Insurance not only simplifies the process but also brings a host of benefits tailored to enhance customer experience and satisfaction.

Here are the advantages of buying four-wheeler insurance online:

  • Zero Paperwork: The online process eliminates the need for physical documents, making the purchase of a car insurance policy online hassle-free and eco-friendly.

  • Easy Comparison: Our car insurance calculator allows you to compare car insurance online - features, benefits and premiums - helping you make an informed decision.

  • Instant Quotes: With Reliance General, you can quickly receive four-wheeler insurance quotes online by entering your vehicle’s details on our online calculator.

  • Instant Policy Issuance: Once you decide to buy car insurance online with us, the policy is issued instantly with no delays in coverage commencement.

  • Transparent Buying Process: Our online platform ensures transparency with no hidden fees and costs. All car insurance coverage terms and conditions are clearly stated.

  • 24x7 Customer Service: Reliance General provides round-the-clock dedicated customer support to address any queries or concerns when you buy car insurance online.

  • Convenience: The comfort of purchasing or renewing your car insurance online from anywhere and at any time eliminates the need to visit an office physically.

  • Instant Coverage: Buying car insurance online ensures that your coverage starts the moment the payment is processed, providing instant protection for your car.

  • Low Premiums: The operational savings from online transactions are passed on to you, resulting in up to 75% lower premiums when you buy a car insurance policy online.

Reliance General Insurance’s commitment to leveraging technology to enhance customer service can be seen in these online features. If you are looking to check car insurance online, buy a car insurance policy online or simply access your policy details anytime, we help you make it all more accessible and manageable.

How to Buy/Renew
Car Insurance Online?

The process to buy and renew car insurance online through our website is designed to be straightforward and user-friendly, enabling customers to secure their four-wheeler insurance coverage with ease.

How to Buy Car Insurance Online with Reliance General Insurance

Follow the below process to buy a car insurance policy online or renew an existing four-wheeler insurance policy from other providers with us.

  • Visit the website: Go to our Car Insurance page and enter the Car’s Registration Number, Mobile Number and Email ID. Click on ‘View Prices’.
  • Choose Add-ons, Discounts and Insured Declared Value (IDV): Select the add-ons, discounts (anti-theft devices/voluntary deductibles) and IDV from the range of 3 IDVs given.
  • Select the Plan: From the different options, select the car insurance policy online you wish to purchase. Click on ‘Buy Now.’
  • Review the Details: The screen will display all the details of the four-wheeler insurance policy, including the premium breakdown. Verify all the details and click on ‘Next’.
  • Confirm Final Details and Pay: Verify the details displayed on the screen. Click on ‘Proceed to Pay’ to buy the car insurance policy online. Select your preferred payment option and make the payment.

A soft copy of the car insurance policy will be sent to your authorised email address.

You can visit our Self-Help Corner, download the Reliance Self-i App or simply call our 24x7 helpline for any assistance during or after you buy car insurance.

How to Renew Car Insurance Online with Reliance General Insurance

For car insurance renewal online for existing Reliance General insurance policies, follow the below steps:

  • Go to our official website. To navigate to the car insurance policy renewal page, click on ‘Renewal’ → ‘Renew Car Insurance’.
  • You can renew your policy with your Mobile Number or existing Policy Number.
  • Add or verify the car registration number/engine number/chassis number.
  • The screen will display the existing policy details and NCB. Verify the same.
  • This is a good time to update/modify your car insurance policy online. You can add/remove add-ons or change coverage details as displayed on the screen.
  • Proceed to pay the applicable car insurance renewal price.
  • Upon successful payment, you will receive a confirmation of your Reliance car insurance renewal, along with a digital copy of the four-wheeler insurance policy document at your registered email address.

Car Insurance Online

Comparing car insurance plans online has significantly simplified the decision-making process for vehicle owners.

Reliance General Insurance offers intuitive online calculators and purchase/renewal processes that compare car insurance policies side by side, along with their individual features.

This makes it easy for you to clearly compare car insurance quotes, features and benefits of each plan, helping you make an informed choice that suits your specific needs.

Compare Car Insurance Online: Third-Party vs Own-Damage vs Comprehensive Car Insurance





Damage To Your Own Vehicle
Damage To Third-Party Vehicle / Property
Customise 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 Cover
Nil Depreciation Cover
Total Return To Invoice Cover
Engine Protection Cover
Return To Invoice Cover

Disclaimer: The above table is a simplified overview of the popular types of four-wheeler insurance policies based on general features. The actual coverage and benefits can vary based on specific policy terms and conditions.

Check the Policy Wordings for Reliance General car insurance plans to explore the complete list of features and coverages offered. Make an informed decision that provides the best protection for your website.

How to Choose the
Best Car Insurance Policy?

Choosing the right car insurance policy requires considering various factors to ensure you get the best protection that meets your needs and budget.

When selecting a four-wheeler insurance policy, keep the following points in mind:

Pick a Suitable IDV in Car Insurance

The Insured Declared Value (IDV) represents the maximum amount you can claim in case of total loss or theft of your vehicle. Opting for a higher IDV increases the policy premium but ensures better coverage, while a lower IDV reduces the premium cost but offers lesser coverage.

Reliance General Advantage: We offer a choice of 3 IDVs, so you can choose based on your budget and coverage preference.

Choose the Type of Coverage

Compare car insurance policies and decide between comprehensive, third-party and own-damage cover. Third-party insurance satisfies the legal mandate but offers limited coverage. Own-damage insures the vehicle but does not cover third-party liability. Comprehensive covers damages to your own vehicle along with third-party liabilities.

Reliance General Advantage: We offer all three types of coverage, along with a range of bundled plans and coverage options for you to choose from.

Choose Your Car Insurance Add-Ons

Add-ons in car insurance enhance the coverage of your base policy and provide targeted protection against specific circumstances. However, only choose the necessary add-ons to avoid exorbitant car insurance prices.

Reliance General Advantage: Reliance General offers 10+ add-ons to choose from, including Nil Depreciation, 24x7 Roadside Assistance and even EV-based add-ons.

Check Claim Settlement Ratio

A higher ratio indicates that the insurance company is reliable and has a good track record of settling claims. This provides assurance of financial protection when needed.

Reliance General Advantage: We recorded a high claim settlement ratio of 100% for FY 2023-24.

Check Claim Settlement Process

Review the insurer's claim process for simplicity and efficiency. Look for a straightforward and quick claim settlement process that reduces hassle during stressful times.

Reliance General Advantage: We initiate a claim survey within 48 hours of you filing a claim. Additionally, we offer a quick and transparent claim process with live claim tracking.

Check Network Garages

A wide network of garages ensures easy accessibility to cashless repair services across the country, adding convenience to your experience.

Reliance General Advantage: You can choose from 8500+ Reliance General Insurance’s network garages for a cashless and seamless claim experience.

Compare Car Insurance Quotes

Use online car insurance calculators to compare car insurance prices and features across different policies. This helps in finding a four-wheeler insurance plan that offers the best value for the coverage provided.

Reliance General Advantage: You can compare car insurance quotes, features and benefits of different policies seamlessly on our website and choose the best coverage.

Check Car Insurance Reviews

Look for customer reviews and testimonials about their experience with the insurance provider, focusing on aspects like customer service, claim settlement and overall satisfaction.

Reliance General Advantage: Our customer-centric process, tailor-made policies, and 24/7 customer support are trusted by 3-crore+ satisfied customers.

Pay As You Drive Insurance:
Limit Sure Reliance General Insurance

Pay-as-you-drive car insurance, or Pay-as-you-go car insurance, by Reliance General, represents a modern and efficient approach to car insurance. Under this policy, the premium you pay is directly linked to the number of kilometres you drive.

Called the Pay-As-You-Drive Insurance, this innovative four-wheeler insurance product is designed for drivers who want their insurance costs to reflect their actual vehicle usage, embodying the principle of "drive less, pay less” in car insurance.

The Limit Sure Pay-As-You-Drive Insurance is available as an add-on with Reliance General Insurance’s Standalone Own-Damage Car Insurance Plan.

How Drive Less, Pay Less Car Insurance Works

You stay in a traffic-prone area and prefer using your two-wheeler or public transport. As a result, your car usage is limited to only 2,500 kilometres every year.

Here, instead of buying a regular car insurance plan, you can opt for a Pay-As-You-Go car insurance.

When you buy Reliance Limit Sure Pay-As-You-Drive Insurance, you opt for the ‘Kilometre Limit’ or ‘Available Kilometre’ in varied slabs beginning from 2500 kilometres, which is ideal in your case.

You will have to declare your odometer reading and note the start kilometre to help determine whether you have stayed within the provided ‘Kilometre Limit’.

If you drive less than 2500 kilometres, the' Carry-Forward' feature allows you to carry the difference to the next policy year. However, if you exceed the 2500 mark, you can opt for the ‘Top-Up Limit’ feature in multiples of 1000 with your own-damage car insurance plan.

Reliance Limit Sure offers a Grace Kilometre limit of 125 kilometres to allow you enough time to top-up/renew before your coverage runs out.

Benefits of Reliance Limit Sure Pay-As-You-Drive Insurance

It is important to note that this benefit is exclusively available with the own-damage policy component of car insurance, providing a flexible and user-centric solution to traditional four-wheeler insurance models.

Reliance General's Pay As You Drive Car Insurance stands out as a smart choice for modern drivers who prioritise efficiency and adaptability in their four-wheeler insurance coverage.

  • Choosing your driving distance: Pay As You Drive insurance allows you to select the distance you will cover in a given policy year. It starts at 2,500 km and can be increased in multiples of 1,000. You only pay for the kilometres opted for.
  • Save on premium if you drive less: Since you are paying only for the distance you opt for, the lower your ‘Kilometre Limit’, the lower your premium will be. So, if you drive less, you pay less.
  • Carry forward unused kilometres: You won’t lose anything if you don’t use up your ‘Kilometre Limit.’ Any unused kilometres can be carried forward to the next policy year at the time of renewal.
  • Top up if you run out of kilometres: If you run out of ‘Available Kilometres’ within a policy year, you can easily top up to replenish your exhausted limit. This way, you are never out of insurance coverage.

Documents Required
for Car Insurance Claim

To file a four-wheeler insurance claim, you must present all the essential documents that indicate the genuineness of your request.

The car insurance documents for filing a claim predominantly include:

  • Filled and signed car insurance claim form
  • Copy of your car insurance policy
  • Copy of your driver's licence
  • Copy of the Registration Certificate (Including your car model)
  • Copy of an FIR (For accidents/third-party involvement)
  • Copy of the acknowledged letter addressed to the RTO intimating theft and "NON-USE" of the vehicle (For theft)

Once you submit the documents required for an insurance claim, a surveyor is sent to verify all these details. You may also be asked to share the repair bills incurred due to the car's damages.

Once the insurer approves your final settlement amount, you are paid the due claim amount according to the policy terms.

Also Read: Details & Documents for Filing a Claim

How to File a
Four-Wheeler Insurance Claim?

With Reliance General, you can choose between two types of car insurance claim processes – Reimbursement Claims and Cashless Claims.

  • For a cashless claim, you can get your car repaired at a network garage and we will directly settle the bill (up to the amount payable) with them.
  • For a reimbursement claim, you can get your car repaired at the garage of your choice, pay for the repair costs and then register your claim with us to get compensated (up to the amount payable).

With that said, here are our car insurance claim rules and claims process laid out for your reference:

Step 1: Register Claim

Register your claim by making a video inspection using the Reliance Self-i App or calling (022) 4890 3009 (Paid Number). Once your vehicle is reported to the garage, the garage can also register the claim on your behalf using the Garage Portal.

You need to do this as soon as possible, preferably within 24 hours of the incident and before getting any repairs done, as waiting too long can make your claim inadmissible.

Click here for a quick demo!

Step 2: Submit Documents

We will dispatch a surveyor to assess the extent of damage and estimate repair costs before you can proceed with your repairs.

Next, you need to submit the documents required for your car insurance, such as your Vehicle Registration Certificate (RC), Driving licence (DL) and Car Insurance Policy Copy to the surveyor.

For road accidents or third-party involvement, you must report the incident at a nearby police station and get a copy of your FIR – to submit during your car accident insurance claim process.

Remember to keep all repair bills and receipts; you will need to submit them for reimbursement claims.

Step 3: Wait for Your Claim Approval

After submitting your documents, wait for the claim to be evaluated and approved. You can check the progress of the process in the Reliance Self-i App or through our website.

Step 4: Claim Settlement

Once approved, we will either settle the bill directly with the network garage for a cashless claim or pay the reimbursement amount for a reimbursement claim. You will be covered for the loss or damage that happened after the claim and final settlement amount is approved.

Also Read: Know When to File and When Not To File Car Insurance Claim

Car Insurance Terms You
Need to Know About

Third-Party Coverage

This refers to financial and legal third-party liability coverage the insurer offers in cases like road accidents where your vehicle has caused damage towards a third party (individual and/or property).

Own Damage

This refers to repair costs for damages caused to your car covered by the insurer. E.g., accidental damage from car accidents, collisions, man-made/natural disasters covered by the policy, etc. However, it will not cover depreciation costs; you need a Zero Depreciation add-on cover for that.

Personal Accident Cover

This is a compulsory cover that the owner-driver must buy. A PA cover for the owner-driver covers medical expenses for injuries, permanent disability and death of the owner-driver resulting from car accidents up to ₹15 lakhs (per IRDAI guidelines).

Insured Declared Value (IDV)

IDV in car insurance is the current market value of your car and the maximum payout amount the insurer can pay you if your car is stolen or needs major repairs from severe accidents. The IDV amount is calculated based on the car’s ex-showroom price, age, model, make, and depreciation rate.

No Claim Bonus (NCB)

This is a discount offered on your car insurance premium for not making any claims in the previous policy year(s). It can be accumulated on a yearly basis starting from 20% at the first claim-free renewal, 25% in the second, 35% in the third; up to a maximum of 50% in the fifth year. If you happen to make a claim within your policy period, the NCB dips down to zero.

Cashless Garage

These are specific garages we have tie-ups with where you can get your car repaired without having to pay upfront for the expenses. We settle the repair bills directly with the network garage, making the process convenient and hassle-free for you. You can use our garage locator tool to find your nearest Reliance General Insurance network garage.


This refers to the decline in a car’s value over time due to wear and tear. Car depreciation rates are calculated based on a vehicle’s age, miles travelled and overall condition. Depreciation starts from the day a vehicle is sold from the showroom.

Car depreciation costs are also not covered during claims unless you have a zero depreciation car insurance cover.


An amount the policyholder must pay out of their pocket during claims. The deductible meaning can be split into two types - compulsory and voluntary.

Compulsory deductibles in car insurance are charged for every claim filed and are set by the IRDAI based on the car’s engine cubic capacity (cc). The insurer may also impose additional charges above this amount for older vehicles or if there is a high frequency of claims.

Voluntary Deductible

This refers to a deductible that you can opt for during policy purchase and must pay alongside the compulsory deductible amount during four-wheeler insurance claims. Voluntary deductibles in car insurance can help reduce your overall premiums, but you must be sure of your ability to pay the amount before opting for them.


Consumables in car insurance are items that need to be replaced regularly due to wear and tear. They can include things like engine oil, brake oil, distilled water, AC refrigerant, nuts, screws, bolts and other similar items, except fuel.

Consumable expenses in car insurance are generally not covered unless you have a consumables add-on cover.

Add-On Cover

Car insurance add-ons are additional coverage that you can get by paying an additional premium. They are also only available under comprehensive plans.

Some popular add-ons in car insurance include zero depreciation / bumper-to-bumper insurance, NCB protection, return-to-invoice, roadside assistance, etc.

A car insurance policy is an important asset for car owners and timely renewals within the 30-day grace period ensure sustained protection against legal and financial liabilities. Here are some pitfalls of letting your car insurance policy expire:

Legal Complications

If you are caught driving your car with an expired car insurance policy, you will be subject to fines ranging between ₹2000 (first offence) up to ₹4000 (subsequent offences) by traffic authorities.

Loss of NCB Discount

Letting your car policy lapse also results in the loss of any accumulated NCB discounts. This means if you had accrued any NCB discounts, policy expiry resets the discount back to 0%, and you will have to start all-over again.

High Repair Costs

You will have to bear any and all repair costs resulting from accidents. Moreover, major repairs or total loss due to theft can result in a huge financial loss since there will be no compensation for these events without valid four-wheeler insurance.

How to Perform Your
Expired Car Insurance Renewal Online?

You can perform car insurance renewal after expiry either through the Reliance Self-i App, by visiting the Reliance General Insurance website, or by calling us at +91 22 4890 3009. Here are some quick steps to renew your car insurance online:

  • Visit and select "Renew Car Insurance" under the Renewal tab
  • Enter your registered mobile number or policy number
  • Enter your car registration number/engine number/chassis number
  • Check your car details, personal details and premium
  • Include any applicable add-ons you desire
  • Pay to get your policy immediately

Your IDV value for car insurance has a direct impact on your overall insurance premiums. So, it's essential to choose an IDV that accurately depicts the current market value of your car while also not being too high.

The IDV calculation formula is

(Car Manufacturer’s Current Listed Price - Depreciation Value) + (Cost of Additional Car Accessories - Depreciation Value of these Accessories)

However, multiple factors play a role in deciding your IDV amount. Here are some factors that have a significant impact on your IDV:

  • Age of the Car: The age of your car directly affects the estimated IDV for car insurance. Generally, the IDV decreases as your car gets older due to depreciation and wear and tear of car parts.
  • Car Make/Model: New and advanced cars usually have a higher IDV than traditional models. This is because they have a better market value and may also have specialised parts that cost more to repair/replace.
  • Place of Registration: The place where your car is registered also affects the IDV. The IDV for a vehicle registered in a metropolitan city is likely to be higher compared to a smaller region or town since the likelihood of accidents tends to increase in high-population cities.
  • Modifications and Accessories: Any modifications to your vehicle or added accessories that are not factory-fitted affect the IDV. The cost of these modifications or accessories is added to the IDV.
  • Deductibles: Higher deductibles result in lower IDV as the policyholder is expected to bear a higher portion of the claim amount.
  • Depreciation: The IDV for car insurance is influenced by the depreciation rate, which we determine based on your car’s age and condition.

Depreciation Percentages for Fixing the IDV for Car Insurance

Vehicle Age Percentage of Depreciation
< 6 months 5%
> 6 months but ≤ 1 year 15%
> 1 year but ≤ 2 years 20%
> 2 years but ≤ 3 years 30%
> 3 years but ≤ 4 years 40%
> 4 years but ≤ 5 years 50%

Car Insurance

  • Having car insurance protects you financially from any losses that an accident or injury brings. Moreover, it is mandatory under Indian law to have at least a third-party liability insurance which financially protects another individual’s car or property.

  • There are three types of car insurance policies —

    • Third-party car insurance covers 3rd party liabilities like losses and expenses caused to a third-party individual or their property. These plans are the cheapest.
    • An own damage cover, covers the cost of damage/loss caused to your insured car. It can be bought alongside a third-party plan.
    • Comprehensive car insurance plans combine the coverage offered under a third-party plan and own damage cover under one policy. These plans are slightly more expensive and also offer add-on cover options.
  • Yes, they are. They both function the exact same way; the only difference between them is how they are priced.

    Offline plans are slightly more expensive as intermediary parties like agents are involved in selling the policy, and they get a cut of the sales that they make. Online plans cut out the middleman, so they are a little cheaper.

  • To buy car insurance onlin, you will require the following documents:

    • Documents containing details of your car’s make/model.
    • KYC identity and address proof documents, like Aadhar, passport, bank details, voter ID, etc.
    • Car registration certificate
    • Duly filled insurance application form
    • Driver’s licence
    • Recently taken passport-sized photograph
  • 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 like your claims history, location, any modifications made to the vehicle and the policy type you choose will also play a role in deciding your overall car insurance cost.

  • Bumper-to-bumper insurance is simply a comprehensive car insurance policy that comes bundled with a zero/nil depreciation cover. These plans allow you to claim the full repair cost since the insurer automatically covers the depreciation costs for parts that need to be repaired/replaced.

  • For newer cars, luxury/imported cars and cars that have specialised parts like EVs, we recommend getting a comprehensive plan as it will offer you all-around coverage in your time of need. It is considered the best car insurance for new car owners.

    For older models or if you live in a place with low traffic and/or are an experienced driver, a third-party car policy, sometimes paired with an own damage cover (if needed), is often enough, as the chances of accidental damage are quite low.

  • You can renew your expired car insurance policy online through our website or the Reliance Self-i App.

    Once the inspection of your vehicle is complete by our surveyor your policy will be issued and made ready. Please note that this is applicable only in the case of an own-damage or comprehensive insurance policy and not for third-party insurance.

  • 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. If you have accumulated an NCB discount under a policy from a different insurer, 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 company 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:

    • 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:

  • In case you change your location, your policy will remain unaffected. However, your insurance might change at the time of renewal if you moved from a Zone B location (which include non-metro cities) to a Zone A location (that are 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.

    • 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 the date of cancelling / transferring the old policy.

  • Once a request is logged in, the inspection process takes place within 24 hours.

    A successful inspection is followed by an online recommendation from the surveyor. Within 48 hours of that recommendation, you must 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.

  • 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
  • The NCB Retention Cover is an add-on cover that 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 policy year.

    There are a few conditions though!

    • The coverage is available only for private cars.
    • The age of the car should be 2 years and above.
    • The NCB percentage of the vehicle should be 25% and above.

    Also, the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to ₹10 Lakhs only.

    For example, assume that you have earned 20% NCB on your previous year's car policy and the IDV of your car 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 renewed with us.

    If you want to claim this facility, all you need to do is pay a small amount of additional premium.

  • This add-on cover entitles you to get 100% repayment on the depreciated parts (other than tyres and tubes) at the time of claim settlement. You can opt for a Nil Depreciation Cover when you get a new car insured or for two subsequent renewals.

    By paying a minimal, additional charge on your car insurance quote, you can benefit by availing repairing costs of fibreglass, rubber, tyres, batteries, air bags, 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 for select make and models.

  • Total cover add-on in car insurance reimburses you for the amount spent for the registration fee, octroi, road tax and insurance premium paid until the event of a total loss, constructive total loss or theft of your car.

    This add-on ensures that you receive the full amount mentioned on the original invoice of your car, including all associated costs, in case of a total loss in car insurance.

  • The voluntary deductible is an amount that you agree to pay towards a claim (in addition to the compulsory deductible) 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 is your car insurance premium.

    For example, if your claim amount is ₹20,000, the compulsory deductible is ₹2,000 and the voluntary deductible is ₹3,000, then 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.

    Voluntary Deductible Amount Discount
    ₹2,500/- 20% on the OD premium * of the vehicle, subject to a maximum of ₹750/-
    ₹5,000/- 25% on the OD premium of the vehicle, subject to a maximum of ₹1,500/-
    ₹7,500/- 30% on the OD premium of the vehicle, subject to a maximum of ₹2,000/-
    ₹15,000/- 35% on the OD premium of the vehicle, subject to a maximum of ₹2,500/-

    *Own Damage premium

  • 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 (outside of India)
    • Injuring someone from driving without a valid driving licence
    • 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 insured will have to bear
  • Third-Party Liability Cover is an insurance policy that covers damages done to a third party. It is a part of your Reliance General car insurance policy.

    Furthermore, according to the IRDAI, all new car owners must hold third-party car insurance for 3 years, either as a separate plan or bundled under a comprehensive plan.

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

  • 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.

  • 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)
  • 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 a maximum of ₹500.

    Insurers encourage the use of ARAI-approved anti-theft devices in car insurance as it helps to reduce your vehicle’s overall risk profile, thereby helping to reduce your car insurance 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, interior fitments like seat covers, and high-end stereo systems.

    Electrical accessories in car insurance can increase your premiums, so it is important to communicate any modifications you have made to your car to your insurer at the time of policy purchase or renewal to ensure coverage.

    When it comes to some modifications like anti-theft devices in car insurance, insurers often encourage their adoption as they often offer a discount on car insurance premiums – 2.5% on the OD (Own Damage) for cars that have them.

  • As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately (Paid Number- +91 22 48903009). You can also directly register your claim online. Click here to download the form.

    Once the vehicle is reported to the garage, the garage can also register the claim on behalf of the insured using the Garage Portal.

    Once the vehicle is reported to the garage, the garage can also register the claim on behalf of the insured using the Garage Portal.

  • You can claim the Personal Accident cover upon the death of the owner-driver, permanent disablement or personal injury (to self) that results from an accident.

    In the event of death settlement claims, you must be listed as the policy beneficiary in order to be paid the ₹15 lakhs sum assured amount.

    For personal injury and disablement, the PA cover will only cover you – the registered owner of the car/policyholder. Coverage for your passengers is not mandated under the personal accident cover, so 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 case there is damage to any third-party property, bodily injury to a third party or self, or theft of the car.

    In the event of an accident or mishap, we will provide complete assistance to get you back on the road. Keep your car insurance papers in your automobile at all times.

    This procedure applies to both reimbursement claims in car insurance 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.

    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 a No-Claim Bonus.

  • You can cancel your claim by calling our Paid Number: +91 22 48903009. You can also cancel your claim by contacting the designated claim manager and submitting 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 out the address of your nearest cashless garage list.

  • Yes, if the loss or damage occurred during the policy period, you will be eligible for the claim even after the policy has expired.

    The maximum delay allowed in claim intimation is 7 days. A delay of more than 7 days should be accompanied by a valid explanation from the Insured.

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Car Insurance

It was fully satisfactory feedback and fully satisfactory service provided by you and all my queries are explain to me in the most short, most precise and most accurate manner and whatever doubt given, you have explained it very nicely. Thank you very much

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Prabodh Chugh

“Fully satisfactory service”

14 September 2022, Karnataka

I called your contact center for motor claim intimation. They provided me excellent service regarding my query. Also, survey has been done on time for my claim. I am really satisfied with the services of Reliance General Insurance.

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Ogifa Khatun

“Satisfied with the services of Reliance General Insurance”

16 August 2022, Assam

I am policy holder of Reliance General Insurance. Whenever I need Motor, Health or any other insurance, first I choose Reliance general Insurance. Also, I always refer my colleagues with the same. Reason behind this is the services are excellent. Till now I haven't not faced any kind of problem in terms of services with your company.

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Rahul Bagde

“Services are excellent”

2 July 2022, Delhi

I have a motor policy with Reliance General Insurance from last 3 years and I did not face any kind problem in services. Recently, I renewed my policy. Also, received policy copy on my email id immediately. I am very Happy with the services of Reliance General Insurance.

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Abbas Valliambaliyasana

“Happy with the services of Reliance General Insurance”

30 June 2022, Gujarat

Overall services are excellent in Reliance General Insurance. I have registered my motor claim through speechbot. Process was good and smooth. I was able to register easily through speechbot without any problems.

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Manish Virmani

“Motor Claim Intimation”

12 March 2022, Delhi

Brobot is very good in terms of handling customers. I bought family health insurance from Reliance General Insurance and their team maintained professionalism with courteous demeanor which was absolutely impressive. I would definitely like to get in touch with Reliance for more plans. I'm very much happy with brobot service where I have a raised a claim for my car. I'm happy with how the claim approval was done. Even price is very less as compared to other insurance company.

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Mr. Kranthi Kumar

“Motor Claim Intimation”

6 November 2021, Bangalore

Reliance General Insurance is one of the trusted company. I have been using my car insurance for a long time and till now I have not faced any problem. Website is maintained in such a way, where I can easily get any information at any point of time. I was looking for policy copy and have downloaded policy copy through portal very easily. Also, I don't need to remember renewal date as they remind me every time through reminder calls and messages.

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“Print Policy”

4 November 2021, Bangalore

Disclaimer: *T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned here are for the product- 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;  Engine Protector (Private Car), UIN: IRDAN103RP0010V02100001/A0009V02201314; Engine Protector for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0036V02201819; Engine Protector for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0011V01201920; Consumables Expenses (Private Car), UIN: IRDAN103RP0010V02100001/A0007V02201314; Consumable Expenses for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0027V02201819; Consumables for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0005V01201920. Nil Depreciation for Private Car UIN No. IRDAN103RP0010V02100001/A0003V01200910; Nil Depreciation for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0030V01201819; Nil Depreciation for Private Car for Motor Secure Plus and Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0013V01201920; Key Protect Cover (Private Car) UIN No.: IRDAN103RP0010V02100001/A0008V02201314 and Key Protect Cover for Private Car- Bundled , UIN: IRDAN103RP0007V01201819/A0037V02201819; Key Protect Cover for Private Car for Motor Secure Premium- Own Damage, UIN: IRDAN103RP0001V01201920/A0012V01201920. Reliance Limit Sure - Pay As You Drive UIN No.: IRDAN103RP0007V02201829/A0033V01202223. NCB Retention Cover for Private Car UIN No.: IRDAN103RP0010V02100001/A0012V02200910; NCB Retention Cover for Private Car- Own Damage, UIN: IRDAN103RP0001V01201920/A0008V02201920. NCB Retention Cover for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0033V02201819. EMI Protection for Private Car, UIN No.: IRDAN103RP0010V02100001/A0006V02201415; EMI Protection for Private Car- Bundled, UIN: IRDAN103RP0007V01201819/A0039V01201819; EMI Protection for Private Car- Own Damage, UIN: IRDAN103RP0001V01201920/A0014V01201920.

Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 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, and age of the vehicle.

Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.

Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

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