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Comprehensive Car Insurance

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Comprehensive Car Insurance

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Reliance comprehensive car insurance is an all-encompassing type of car insurance that covers damages to your vehicle and a third-party vehicle or property. It combines two vital car insurance plans ensuring your complete financial safety while on the road. Additionally, a Personal Accident cover is also included in the policy. This compensates you or your nominee in case of disability or death due to a road accident.

Reliance Comprehensive Car Insurance also offers various add-ons to protect your vehicle from specific situations. For example, there are add-ons like Engine Protector, Nil Depreciation, Key Protect Cover, etc. that cover different parts of your car if it’s ever damaged in an accident. Now protect your vehicle and other drivers with a comprehensive car insurance policy from Reliance General Insurance.

What is Reliance Comprehensive Car Insurance

Benefits of Buying
Reliance Comprehensive Car Insurance

Having comprehensive insurance for your car is a responsible thing to do since it covers your vehicle and your fellow driver’s car too. To summarise, we’ve listed the benefits of buying a comprehensive car insurance:

Provides own damage cover

Meeting an accident is something that almost every car owner experiences. So, it’s better to be prepared for the eventuality with coverage that protects your vehicle. This is available in a comprehensive car insurance policy. You get covered for expenses to repair your car if it gets damaged in an accident, in a theft, by riots or an act of malice. Comprehensive insurance also covers damages due to natural disasters like earthquakes, landslides, floods, cyclones, etc.

Covers third-party liabilities

Another important facet of our comprehensive car insurance policy is the third-party cover. This covers you for expenses that arise out of damages caused to someone else, or a third party. Damages include vehicular damage, property damage and even death or injuries caused to a third party. Not only is this cover important to have so that you can protect your fellow drivers but it’s also mandatory by law under the Motor Vehicles Act, 1988.

No-claim Bonus (NCB)

There’s a reward for buying comprehensive coverage for your car. This comes in the form of the No-claim bonus, or NCB, and it gets activated if you don’t make a claim for the entire policy year. By successfully going claim-free in a policy year, you get a discount on your premium when it’s time for renewal. And every year you go claim-free, your NCB increases (up to 50%). It’s an added reward for safe driving.

Has useful optional add-ons

Having comprehensive coverage gives you the benefit of not only protecting your and other vehicles but also the option to include several useful add-ons. With Reliance Comprehensive Car Insurance, you have more than 10 add-ons that will improve your coverage on the road. Some of the add-ons include NCB Retention Cover, Engine Protect, Nil Depreciation, Consumables Cover, Key Protect, EMI Protection and more.

Personal Accident Cover

Our car comprehensive insurance policy also provides a safeguard in case something happens to you in an accident. For example, if you get injured in an accident while driving your car and it leads to loss of eyesight or your limbs then the Personal Accident cover will compensate you for the loss. Also, this cover provides financial compensation in case an accident leads to a death. The maximum coverage available is Rs.15 Lakh.

Key Features
of Reliance Comprehensive Car Insurance

Under our comprehensive car insurance policy, you’re covered for dangers that can happen to your vehicle, to you and even to a third party’s vehicle or property. Under the Personal Accident cover, you get coverage up to Rs.15 Lakh. Below is a table with all the features of our comprehensive car insurance plan:

Feature Details
Own Damage Covered
Third-Party Liability Covered
Cashless Repairs Available at 8,500+ Cashless Garages#
Available add-ons Pay As You Drive, Nil Depreciation, Consumables Cover, Engine Protector, Key Protect, EMI Protection, NCB Retention Cover and more
Personal Accident Covered up to ₹15 Lakh
IDV Customisationtooltip

IDV stands for Insured Declared Value which is the current market value of your car. Any payable claim is limited up to your IDV

No-Claim Bonus Up to 50%**
Discounts Up to 80%**

Popular Add-on Covers available in
Reliance Comprehensive Car Insurance

Comprehensive insurance coverage from Reliance General Insurance has several useful add-ons that will boost your coverage. All these add-ons are made specially to protect different parts of your vehicle that are expensive to replace if they were damaged. Here’s a list of all the add-ons we offer under our comprehensive car insurance cover:

Engine Protector

The engine is synonymous with being the heart of a car. Therefore it’ll cost you dearly to replace a vital part like that. But if you have the Engine Protector add-on, the cost of repairs is covered if your engine gets damaged due to water ingression or leakage of lubricants. This will also cover the cost of repairing the gearbox and differential parts.

Consumables Cover

An accident or a natural disaster can lead to significant damage to your car. And when you get it repaired, the cost of replacing consumables like nuts & bolts, engine oil, lubricants, gearbox oil, washers, brake oil, etc. form a large part of the expenses. But you don’t have to worry about that if you have the Consumables Cover to take care of all those expenses. It’s a must-have add-on.

Nil Depreciation

Your car faces the slow and inevitable road down to losing its value over time. Not to you of course but according to the market. This is called depreciation and it plays a major role in how much of your repair expenses will be covered if you got into a car accident. But if you have the Nil Depreciation add-on, depreciation will not be deducted on parts that are fibre and glass (excluding tubes and tyres) and the full repair amount will be covered when you make a claim. This add-on works well if you have a new car and driving in a place with a lot of traffic.

Key Protect

“Where are those darn keys” is a sentence you may have uttered at some point in your life. And sadly sometimes the answer you get to that question is “it’s lost”. If this happens to your car keys, it will be expensive to replace. But if you have the Key Protect Cover available in our comprehensive insurance for cars, then the cost of replacing lost or stolen car keys will be reimbursed. Also, if the door locks are damaged because a burglar attempts to break in, we will reimburse the cost of replacing the locks.

Pay As You Drive

Pay As You Drive is an add-on that allows you to pay premiums solely based on the number of kilometers you opt to drive. That means you’re getting all the benefits of a comprehensive policy but at a lower price. This is a huge advantage if you own two cars or if you use your car infrequently.

NCB Retention Cover

The no-claim bonus (NCB) is a huge bonus on your comprehensive policy. But you can lose it if you make a claim that is even a small amount. So, if you want to protect your no-claim bonus, all you need is the NCB Retention Cover. This add-on maintains the current applicable NCB at the time of renewal even if you made a claim in the previous policy year.

EMI Protection

If you get into a car accident that results in your vehicle getting stuck in repairs for more than 30 days, then you can get your car loan EMIs paid for up to 3 months with the EMI Protection add-on. Just remember to head for repairs at an authorised network garage to avail of this add-on.

What is Covered Under
Reliance Comprehensive Car Insurance?

Here’s a list of what’s covered under our car comprehensive cover:

  • Natural calamities like floods, lightning, earthquakes, fires and more
  • Car theft or malicious acts
  • Self-Ignition, explosion and more
  • Man-made calamities like inundation, vandalism, riots and terror attacks
  • Damage to your car or the belongings in the car in case of an accident
  • Transit by rail, road, air & elevator
  • Death or bodily injury to a third party
  • Damage to a Third-Party Vehicle because of the insured vehicle
  • Damage to third-party property to an extent of Limit - Rs. 7.5 Lakhs

Note: For a full list of inclusions please read the policy wordings, brochure and prospectus

What is Not Covered Under
Reliance Comprehensive Car Insurance?

Here’s a list of what’s not covered under the comprehensive car insurance policy:

  • General wear and tear of the car
  • Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purposes
  • Mechanical and electrical breakdown
  • Damage to/by a person 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 - if the original damage causes subsequent damage/loss, only the original damage will be covered under our car insurance

Note: For a full list of exclusions please read the policy wordings, brochure and prospectus

How to Buy
Comprehensive Car Insurance Online?

You can easily buy our comprehensive car insurance policy on our website by following the simple steps given below:

  • Step 1: Go to the car insurance page and enter your details like registration number, mobile number and email ID
  • Step 2: Enter your car details like make & model, fuel type, registration date, RTO, etc. to proceed
  • Step 3: Check your quote and select all the add-ons you find useful for your car
  • Step 4: Proceed to pay after selecting your preferred method of payment

Once your payment is complete, your comprehensive car insurance policy will be issued and a policy copy will be delivered to your registered email ID.

How to File a
Comprehensive Car Insurance Claim with Reliance General Insurance?

You can easily raise a claim with us if you ever get into a car accident or your vehicle gets damaged by falling objects like tree branches by following a few simple steps. As a vehicle owner, you can trust our smooth claim process and high settlement ratio to protect your pockets. Here’s how you make a claim:

  • Step 1: Register your claim by making a video inspection using the Reliance Self-i App or calling 022-4890 3009 (Paid). The garage your car is in can also register the claim on your behalf using the Garage Portal.
  • Step 2: Submit your documents like Registration Certificate, Driving License, etc.
  • Step 3: Your claim will be settled after the evaluation process and due approval is received. You can check the progress on the Reliance Self-i App.

Disclaimers: **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. *T&C apply. All the Toll Charges will be borne by Customer. Towing Services are free of charges for Garages present within 25 kms from breakdown location. Towing to Garages beyond a radius of 25 km from breakdown location will be chargeable. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. OD Policy will be issued / renewed only if TP policy is in force. 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 - 3 Years. UIN No.: IRDAN103RP0005V01201819. Engine Protector - UIN No. IRDAN103RP0005V01201819/A0020V01201819. Consumable Expenses - UIN No.IRDAN103RP0005V01201819/A0011V01201819. Nil Depreciation UIN No. IRDAN103RP0002V01201920/A0023V01201920. Key Protect Cover UIN No.:IRDAN103RP0005V01201819/A0021V01201819. Reliance Limit Sure - Pay As You Drive UIN No.: IRDAN103RP0007V02201829/A0033V01202223. NCB Retention Cover UIN No.: IRDAN103RP0005V01201819/A0017V01201819. Easy Monthly Installment (EMI) Protection UIN No.: IRDAN103RP0005V01201819/A0023V01201819 #The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.

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