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Ankit Parekh
Senior Vice President
A seasoned insurance professional with 22 years extensive experience in motor underwriting. Having experties in Risk Management, policy development, contributing to sustainable growth and profitability. Known for analytical acumen and customer focused approach.
Reliance's comprehensive car insurance policy offers full protection for your car against various risks. Unlike third-party insurance, it covers third-party liabilities and damages to your vehicle from accidents, theft, and natural disasters.Whether you have a new or old car, comprehensive insurance protects you financially from many road risks. You can also customise your policy with add-ons like nil depreciation, engine protection and roadside assistance.
Reliance Comprehensive Four-Wheeler Insurance gives you peace of mind and confidence on the road. Choose car insurance with full coverage that protects your car, keeping it safe and in top condition.
Reliance Comprehensive Car Insurance covers damages to both your vehicle and a third-party vehicle or property. It combines own-damage and third-party coverage for full financial protection on the road.The policy also includes personal accident coverage, which compensates you or your nominee in case of disability or death from a road accident.Our car insurance offers full cover with add-ons like Engine Protector, Nil Depreciation and Key Protect Cover to suit specific needs. Protect your vehicle and others with comprehensive car insurance from Reliance General Insurance.
Meeting with an accident is something that almost every car owner experiences. So, with our comprehensive vehicle insurance, you get covered for expenses to repair your car if it gets damaged. Get coverage for accidents, theft, riots or an act of malice. It also covers damages due to natural disasters like earthquakes, landslides, floods, cyclones, etc.
Another important facet of our comprehensive four-wheeler insurance policy is third-party cover. This covers 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. Third-party cover is also mandatory by law under the Motor Vehicles Act.
One of the significant advantages of comprehensive car insurance is that you gain access to discounts such as No-Claim Bonus (NCB). This means that you get a discount on your premium after claim-free years at the time of renewal. Moreover, your NCB increases with every claim-free year for up to 50% as a reward for safe driving.
With Reliance Comprehensive Car Insurance, you get access to 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.
Our comprehensive four-wheeler insurance also provides a safeguard in case something happens to you in an accident. This cover provides financial compensation in case an accident leads to a death. The maximum coverage available is ₹15 Lakh.
Once you secure comprehensive insurance coverage for your car and get it insured by a reliable insurer, you can use your car with peace of mind. This policy’s financial protection will ensure that you receive assistance in the hour of need.
*Note: For a full list of inclusions please read the policy wordings, brochure and prospectus
*Note: For a full list of exclusions please read the policy wordings, brochure and prospectus
Yes, with Reliance General Insurance, you get Personal Accident Coverage of up to ₹15 lakhs as mandatory coverage with our comprehensive auto insurance policy.With this coverage, you can get coverage for medical expenses arising from treating injury, disability, or even death caused by accidents for the owner-driver.
Pay As You Drive Insurance is an add-on that allows you to pay premiums solely based on the number of kilometres you opt to drive. That means you’re getting all the benefits of a comprehensive policy but at a lower price.
With this add-on, depreciation will not be deducted on fibre and glass parts (excluding tubes and tyres), and the full repair amount will be covered when you make a claim.
Provides immediate help round the clock for vehicle breakdowns, flat tyres, towing needs, or emergencies, ensuring you're never stranded on the road without support.
If you have this add-on, the cost of repairs is covered if your engine is damaged due to water ingress or lubricant leakage. This will also cover the cost of repairing the gearbox and differential parts.
Ensures you receive the original purchase price of your car, including road tax and registration charges, in the event of total loss or theft, minimising financial loss.
This compensates the full on-road price of your vehicle if it’s declared a total loss or severely damaged, covering the cost of replacement without any depreciation deductions.
If you get into a car accident that results in your vehicle being stuck in repairs for more than 30 days, the EMI Protection add-on can pay your car loan EMIs for up to 3 months.
This add-on maintains the current applicable NCB at the time of renewal, even if you made a claim in the previous policy year, and rewards you for responsible driving.
Provides a daily cash allowance to cover alternate transportation costs while your car is being repaired, helping you stay mobile without additional expenses.
Reimburses the cost of replacing lost or stolen car keys and locks, offering protection against the inconvenience and expense of being locked out of your vehicle.
Covers repair or replacement expenses for damaged rims, ensuring that even minor wheel damage doesn’t turn into a costly repair bill.
Includes coverage for the repair or replacement of tyres damaged by road hazards, accidents, or vandalism, preventing unexpected out-of-pocket expenses.
The cost of replacing consumables like nuts and bolts, engine oil, lubricants, gearbox oil, washers, brake oil, etc., forms a large part of the expenses. But you don’t have to worry about that if you have this add-on.
Reimburses the value of personal items stolen from your car, providing financial recovery for lost possessions during theft or break-ins.
Extends your car insurance coverage to additional countries, offering protection while driving internationally and ensuring you’re covered even when abroad.
It protects custom-installed electrical accessories like stereo systems, navigation devices, and lights against damage or theft, ensuring the security of your car's enhancements.
Provides coverage for non-electrical modifications, such as alloy wheels, custom seats, and body kits, protecting your vehicle’s personalisation investments from damage or theft.
This full comprehensive insurance add-on cover reimburses costs for hotel stays if you’re stranded due to a vehicle breakdown far from home, ensuring comfort and safety while your car is being repaired.
Reliance car insurance offers electric vehicle-specific add-ons, including coverage for battery protection, charger replacement, and other components unique to electric cars, providing tailored protection for your EV
If you are wondering, “Should I get comprehensive car insurance, our comprehensive motor car insurance is ideal for:
Those owning a luxury car have a higher risk of theft or burglary than regular cars. Additionally, damages incurred to your high-end models require you to sustain higher repair or replacement costs. Thus, comprehensive vehicle coverage will protect you from such hefty damages.
A new car requires a hefty financial investment when bought. Since it is highly likely to be exposed to potential thieves, it is ideal to protect your valuable investment with a comprehensive plan.
Suppose you reside in an area where there is a higher risk of floods, earthquakes, cyclones, or any other natural or man-made disasters. In that case, comprehensive motor car insurance can provide you with the required financial security for such damages.
Traffic, pollution, and accidents can damage your car in metropolitan cities like Mumbai or Delhi. Thus, buying a comprehensive motor insurance plan can be ideal for overall protection in such cases.
If you travel frequently for road trips or adventure activities, your car is more likely to sustain damages and may require more roadside assistance. With comprehensive coverage for car insurance, you will require assistance during emergencies and protect you while you are away from home.
You can easily buy our comprehensive car insurance online through our website by following the simple steps given below:
Once your payment is complete, your comprehensive four-wheeler insurance policy will be issued, and a copy will be sent to your registered email ID.
Ensure the policy covers a wide range of risks, including theft, natural disasters, accidents and third-party liabilities.
Evaluate optional add-ons like zero depreciation, engine protection and roadside assistance to enhance your coverage. We offer 10+ add-ons to provide all-around protection.
Check the IDV, as it determines the maximum payout in case of a total loss or theft. Choose an insurer that offers high coverage.
Understand how NCB rewards you with premium discounts for claim-free years. We offer up to 50% discount on premiums with NCB.
Look for insurers with a quick and hassle-free claims process to ensure smooth handling of any incidents.
Ensure that the chosen insurer has a high claim-settlement ratio. We boast a 100% claim settlement ratio to give our customers unparalleled service.
You can easily estimate your comprehensive car insurance costs online using our car insurance premium calculator. Our free online calculator allows you to compare various plans instantly.Here's how to get comprehensive motor insurance premiums online:
Newer and more expensive vehicles generally have higher premiums due to the increased cost of repairs or replacement.
A clean driving record can lower your premium, while past accidents or traffic violations may lead to higher costs.
Urban areas with higher traffic density and crime rates typically result in higher premiums compared to rural areas.
Choosing higher coverage limits or lower deductibles increases the fully comprehensive insurance premium as it offers more financial protection.
Adding extra coverage options like roadside assistance, engine protection, or zero depreciation will raise the overall comprehensive car insurance premium.
The higher your car’s IDV, the higher your premium will be, as it represents the maximum claim amount you can receive.
If you haven't made any claims during the policy term, you can receive a discount on your premium. The more consecutive claim-free years, the higher the NCB discount
Discounts for anti-theft devices, membership in certain auto associations, or opting for voluntary deductibles can help reduce the comprehensive motor insurance premium.
Must Read: What is IDV in car insurance?
IDV, or Insured Declared Value, is the maximum amount an insurer will pay in case of the vehicle's total loss or theft. It represents the current market value of the vehicle, taking into account depreciation. The IDV value for a car is a critical factor in determining the premium and compensation amount, ensuring that you receive a fair settlement in case of a total loss.
NCB, or No-Claim Bonus, is a reward we offer for not making any claims during the policy period. It is offered as a discount, which is applicable at the time of policy renewal.This bonus accumulates annually and can significantly lower your fully comprehensive insurance premium, incentivising safe driving and reducing insurance expenses over time. With us, you can get up to a 50% discount on the premium price for five claim-free years.
If you ever get into a car accident or natural or man-made causes damage to your vehicle, you can easily raise a comprehensive claim with us.As a vehicle owner, you can trust our smooth claim process and high settlement ratio to protect your pockets. Here’s how you can make a comprehensive car insurance claim:
Must Read: Know When to File and When Not To File Car Insurance Claim
Comprehensive insurance for old cars remains valuable, offering protection against various risks like theft, accidents, and natural disasters.While premiums may be lower due to the vehicle's depreciated value, it's crucial to assess whether the coverage aligns with the car's current worth. Older cars often have lower Insured Declared Value (IDV), which reduces the payout in case of total loss.However, maintaining comprehensive coverage is beneficial as it safeguards against unexpected repair costs and third-party liabilities. The vehicle's condition also plays a role. Well-maintained cars may still get full coverage, but heavily worn vehicles might justify adjusting coverage to save on premiums. Despite the car's age, comprehensive motor insurance ensures continued peace of mind.
You need comprehensive car insurance to protect against a wide range of risks. This includes accidents, theft, and natural disasters, and ensure the financial security of your vehicle.
The best car insurance policy depends on your budget and coverage needs. However, we recommend comprehensive insurance for its extensive coverage, including both own-damage and third-party liabilities.
Comprehensive car insurance covers damages to your vehicle from accidents, theft, natural disasters, and vandalism, along with third-party liabilities. It provides all-around protection, safeguarding you against various risks.
Comprehensive insurance covers both your vehicle's damages and third-party liabilities, while third-party insurance only covers damages or injuries you cause to others, leaving your own vehicle unprotected.
Comprehensive vehicle insurance covers damages from accidents, theft, fire, natural disasters, vandalism, and third-party liabilities, offering broad protection for both your vehicle and others involved in an incident.
The claim process for comprehensive and third-party insurance is similar. However, comprehensive insurance claims require a different set of documents, while third-party claim approaches differ.
Yes, you can claim comprehensive car insurance for scratches, as it covers damages to your vehicle, though it's advisable to consider the claim's impact on your No-Claim Bonus.
March - 2025, KANCHIPURAM
January - 2025, HYDERABAD
February - 2025, Cuddalore
December - 2024, Coimbatore
January - 2025, Giridih
March - 2025, Bangalore
December - 2024, Prakasam
February - 2025, chennai
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 and CIS carefully before concluding a sale. Details mentioned here are for the product - Reliance Private Car Package Policy, UIN: IRDAN103RP0010V02100001; 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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