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For assistance with claim related queries in the FLOOD affected regions of Himachal Pradesh, Punjab, Haryana or Delhi/NCR click here. To report claim for those affected by the Odisha train tragedy and Cyclone Biparjoy, contact our Nodal Officer Ms. Vasundara Devi on our dedicated helpline number: 022 4890 3012. We pray that you and your loved ones remain safe.

Existing policy with Reliance?

e.g.(MH 12 AB 3168)

Car Own Damage Insurance

Reliance Car Own Damage Insurance 
Cover natural
No claim
bonus b​enefits
Video claim
via app
8,5​​00+ cashless
network garages**

Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc. In case of an accident, an own damage cover compensates you for expense to repair or replace parts of your car damaged in the accident.​

What are the Benefits of Car Own Damage Insurance?

Key Features Benefits by Reliance General
Cashless Repairs​ 8,5​​​00+ Cashless Garages**​​
​​No Claim Bonus Get upto 50% Discount
Claim Process Online via Smartphone in 5 minutes
Claim Settlement Ratio 98.6% Claims Settled*
​Add-Ons Available
Voluntary Deductible Available
​​Paperwork Zero, Online Process

What Does Car Own Damage Insurance Policy Cover?

This policy covers the cost of damages to your car due to-

  • Natural calamities like floods, earthq​uake, fire and more
  • Man-made calamities like vandalism, riots and terror attacks
  • Damage to your car or the belongings in the car in case of an accident
  • Theft or malicious acts

It also covers-

  • Explos​ion
  • Hailstorm
  • Terrorism
  • Frost
  • Inundation
  • Self​-Ignition
  • Lightening
  • Cyclone
  • Tempest
  • Riot & Strikes
  • Hurricane
  • Landslide
  • Rockslide
  • Typhoon
  • Transit by Rail, Road, Air & Elevator

What does Car Own Damage Insurance Policy not cover?

When opting for an own damage car insurance policy, you must be aware of what benefits you’re missing out on. Let’s take a look at what this policy does not cover:

  • Damages to a third party vehicle
  • Damage caused to a third party property
  • Injuries caused to other people in an accident
  • 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 purpose.
  • Mechanical and electrical breakdown
  • Damage to/by person driving without a valid driving license
  • 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
Add-On Covers for Car Own Damage Insurance

At Reliance General Insurance, we want to make sure our car insurance holders can secure the best possible protection for themselves. So choose wisely and secure your car with our assortment of add-on covers for car insurance.

​Motor Secure Plus Cover

For superior risk coverage, we have compiled a mix of add-on covers in a single package. The Motor Secure Plus Cover includes-​

  • Nil Depreciation Cover
  • Consumables Cover
  • Engine Protector Cover

Note that automobile insurance coverage is available only for the claims intimated within 7 days of the loss or damage.

Motor Secure Premium Cover

The Motor Secure Premium Cover encapsulates all of the crucial risk factors to offer a comprehensive coverage in a single package. The Motor Secure Premium Cover includes-

  • Nil Depreciation Cover
  • Engine Protector Cover
  • Consumables Cover
  • Key Protect Cover – Private Cars

​​​​​Nil Dep​reciation

Depreciation reduces the value of your cover drastically. This add-on cover compensates for the depreciating value of your car. Opt for this and you will not have to bear the losses occurred due to depreciation on all parts except the tyres and tubes. This add-on cover is applicable to the following conditions-

  • This add-on covers private cars, with a maximum of two claims in one vehicle insurance policy period
  • In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops
  • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable if you have opted for it

Nil Depreciatio​n UIN: IRDAN103RP0001V01201920/A0013V01201920

NCB retenti​on cover​​

No claim bonus (NCB) is a discount, given by an insurer to a policyholder for making no claims during the policy term. NCB can be accumulated over the years and the discount ranges from 20% to 50% on its own damage premium. This is simply a general insurance company's way to reward the customer's good driving behavior.

NCB retention cover is a great way to assure that your safe driving and hard-earned bonus stay protected even if you make a claim. Let’s understand it with an example-

Suppose at the end of 12 months of the policy, the insured did not make any own damage claim. In this case, the insurance company provides the insured with an NCB-based discount on their premium. All the same, if the insured was enjoying an NCB bonus of 45 %, and he/she makes a claim that year, the NCB will be impacted and will be reduced to 0% in the coming year. To safeguard such a scenario, an NCB Retention Cover comes handy. This add-on cover protects the NCB discounts in case the insured makes an Own Damage claim.

Below mentioned are the features of the NCB Retention Cover*​ -

  • Applicable for 1 OD claim
  • Renewal of policy with RGI <= 90 days of the expiry of the policy
  • Claim amount should not be >25% of IDV as mentioned in the policy schedule.​

*Subject otherwise to the terms, exceptions, conditions, and limitations of the Policy.​

NCB retention cover UIN: IRDAN103RP0001V01201920/A0008V01201920 ​

Consuma​bles Cover​

Sometimes, a bunch of seemingly insignificant expenses can create a big dent in your pocket. All expenses incurred on consumable items are covered in case they are damaged due to perils covered our policy. Consumable items such as nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil are covered. This add-on cover is applicable to the following conditions-

  • This add-on covers private cars, with a maximum of two claims in one motor policy period.
  • In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired at one of our authorised dealers or workshops.

​​​Consuma​bles Cover​ UIN: ​​​​​​IRDAN103RP0001V01201920/A0005V01201920​

Engine Protector Cover

An engine is the heart and soul of your car. The Engine add-on cover offers compensation for expenses incurred while fixing the indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to-

  • Engine Parts
  • Differential Parts
  • Gear Box Parts

Engine Cover UIN: IRDAN103RP0001V01201920/A0011V01201920

Key Protect Cover

Let's be honest, we have all misplaced or lost our home/vehicle keys at some point in our lives. While we cannot find your keys for you, we can certainly cover the expenses you incur while repairing or replacing your car keys and/or locks and/or lockset. Here are some more details about the Key Protect Cover-

  • The coverage will be available only for a maximum of two claims during your motor insurance policy period.
  • A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police.
  • The replaced keys/lock/lockset is of the same nature and kind as the one for which the claim has been made.
  • The loss or damage to the keys/lock/lockset is reported to us within 7 days of the loss or damage.
  • Replacement of key(s) will be allowed for broken or damaged keys only.
  • In case of theft or misplacement of key(s), the entire set comprising of key, lock and lockset will be replaced, subject to the handing over the other key(s) to us.​

Key Protect Cover UIN: IRDAN103RP0001V01201920/A0012V01201920​

Daily Allowance Benefit

We can’t deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. This add-on cover is applicable to the following conditions-

  • Triggered if >3days vehicle under repairs due to perils/OD
  • Option to choose days & amount
  • Allowance Limit Rs.5000/- per day (For Pvt car limit can be increased further)
  • Lumpsum theft benefit, if vehicle is not recovered <=90 days
  • 2 claims applicable

Daily Allowance Benefit UIN: IRDAN103RP0001V01201920/A0010V01201920

EMI Protection

We are concerned about financial impact of an accident. We cover up to 3 EMI’s of your insured vehicle if it is in the insurer's authorized network garage for more than 30 days for repairs. This add-on cover is applicable to the following conditions-

  • Vehicle is in repair, vehicle loan EMIs will gets paid
  • Payment directly made to financial institution
  • Up to maximum 3 EMI shall be payable
  • Triggers if repair time > 30 days
  • Applicable only for partial claims

EMI Protection ​UIN: IRDAN103RP0001V01201920/A0014V01201920​​​

​Make Your Car Insurance Premium More Affordable with Our Special Discounts

No Claim Bonus

The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%. Here's how it is accumulated on a yearly basis-

No. of Years​​​​ Discount
​One claim-free year
Two consecutive claim-free years25%
Three consecutive claim-free years
Four consecutive claim-free years45%
Five consecutive claim-free years

Voluntary Deductible

You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your auto insurance premium. Please refer to the below table for the applicable Voluntary Deductible-

​​​​ Voluntary Deductible​​​ ​ Discount​
Rs 250020% on the OD premium of the vehicle, subject to a maximum of Rs 750/-
Rs 500025% on the OD premium of the vehicle, subject to a maximum of Rs 1500/-
​Rs 750030% on the OD premium of the vehicle, subject to a maximum of Rs 2000/-
Rs 1500035% on the OD premium of the vehicle,  subject to a maximum of Rs 2500/-

Additio​nal Discounts

Besides the attractive discounts offered by ​ NCB, you can avail additional discounts on auto insurance in case - 

  • You are a member of any recognized automobile association
  • You have installed an anti-theft device in your car
  • You have covered the vehicle for specific location usage

*T&C apply. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. ​For more details on risk factors,​ ​terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. ​​Discount is applicable on Own Damage premium. Discount mentioned or specified are based on Vehicle category, Loyality , Parking & Driving experince.​ ​Policy will be issued / renewed only if TP policy is​ in force. ​​Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage​ (UIN- IRDAN103RP0001V01201920​)

**The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.​