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Pay As You Drive

Drive Less. Pay Less.

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What is Pay As You Drive?

Pay As You Drive is a unique car insurance add-on that helps you save on premiums by paying only for the number of kilometres you opt to drive. It is a discounting-based add-on cover that adapts to your driving habits. So you pay comparatively lower premiums with Pay As You Drive car insurance add-on as it allows you to decide the kilometres you’ll cover in a given year and pay only for those kilometres.

And in case you exceed the kilometres you opted for, you can easily avail a top-up to extend your Own Damage coverage. On the other hand, if you drive less than the kilometres opted for, you can carry forward that unused distance to the next policy year.

Let's understand the concept of Pay As You Drive insurance add-on with an example. Suppose you're someone who usually drives an average of 2,500 km a year. It could be because you own two vehicles or you rely on public transport to commute or you're generally prudent when it comes to car usage. Pay As You Drive allows you to customise your car insurance where you pay only for the 2,500 km you drive. This will cost significantly lower than a standard car insurance plan. In case you drive more than that, you can avail a top-up to continue your car insurance coverage. And if you drive less than 2,500 km, then whatever unused kilometres remain can be carried forward to the next policy year.

Now Reliance General Insurance brings its very own Reliance Limit Sure - Pay As You Drive to be your trusted car insurance plan. You can customise as you will and save on premiums always.

What is Pay As You Drive?

How Does Reliance Limit Sure -
Pay As You Drive Work?

When you opt for Reliance Limit Sure - Pay As You Drive, you’re required to select an estimated distance that you’ll drive in a policy year. This estimated distance, called "Available Kilometres" or "Kilometre Limit", can be set in different slabs starting at 2,500 km. It can be increased in multiples of 1,000. Based on the Kilometre Limit you choose, you will be getting a discount on the Own Damage Premium. The lower your Kilometre Limit, the more discount you’ll get.

Also, you have to declare your current odometer reading at the time of buying and renewing the policy. This will help to determine whether you have stayed within the Kilometre Limit or exceeded it. For example, if your odometer reading at the time of buying the policy is 2,000 km and you opt for a Kilometre Limit of 2,500 km, then at the end of your policy, your odometer reading has to show 4,500 km or lower.

In case you run out of Available Kilometres, you can do a top-up with extra kilometres with the "Top Up Limit" feature to ensure you're covered for the rest of the policy period. In case you have any unused kilometres, you can carry it forward to the next policy year using the "Carry Forward Limit" option. We also give Grace Kilometres# up to 125 km to give you enough time to renew your policy before you run out.

To summarise, here's how it works:

  • Declare the odometer reading at the time of buying the policy
  • Select a Kilometre Limit starting at 2,500 km and customisable in multiples of 1,000
  • In case of an accident during the Kilometre Limit, then get financial coverage as per the Own Damage car insurance policy

Key Features
of Reliance Limit Sure - Pay As You Drive​

Feature Details
Coverage Own Damage cover within Available Kilometres
KM you can opt for Starts at 2,500 km and can increase in multiples of 1,000
Grace Kilometres 125 km
Top Up Limit Additional km can be added if you run out of Available Kilometres
Carry Forward Limit Unused km can be transferred to the next policy year

Benefits of Reliance Limit Sure -
Pay As You Drive

The Reliance Limit Sure - Pay As You Drive comes with unique benefits that make life easier for car owners who value efficiency when they use their vehicles. Here are some of those benefits:

Choosing your driving distance

Choosing your driving distance

Pay As You Drive 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

Save on premium if you drive less

Since you’re paying only for the distance you opt for, the lower your kilometres opted for the lower your premium will be. So, if you drive less, you pay less.

Carry forward unused kilometres

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

Top up if you run out of kilometres

If you run out of the Available Kilometres within a policy year, you can easily avail a top-up to replenish your exhausted limit. This way you're never out of insurance coverage.

Who Can Opt for
Pay As You Drive?

Pay As You Drive insurance add-on works best for those who drive their cars less. Instead of paying for a standard car insurance plan that doesn't factor in your car usage, you can get Pay As You Drive which calculates the premium based on the distance you cover. Here are some examples of who can opt for Pay As You Drive:

Infrequent Driver

You’re an infrequent driver

If you generally don’t drive your car around a lot or only take it out on certain occasions, then Pay As You Drive will work well for you since you pay only for the time you take your other car out.

Own Multiple Cars

You own multiple cars

If you own multiple cars, then one of your cars is used less frequently than the other. So, it makes sense to pay only for the kilometres you drive for the car you use irregularly.

Public Transport

You use public transport

If you’re inclined to use public transport more for your daily commute than your car, then getting your car insured with Pay As You Drive will ensure you pay only for a certain number of kilometres.

Compare Pay As You Drive
with Other Plans

Coverage

Pay As You Drive

Own Damage

Third-Party
Damage to your Own Vehicle ✓ ✓ ✕
Customise IDV ✓ ✓ ✕
Customise Kilometre Limit ✓ ✕ ✕
Damage due to Fire ✓ ✓ ✕
Damage due to Natural Calamities ✓ ✓ ✕
Losses Due to Theft ✓ ✓ ✕
Damage to Third Party ✕ ✕ ✓

How to Buy Reliance Limit Sure -
Pay As You Drive?

Here’s a step-by-step guide to buy Reliance Limit Sure - Pay As You Drive online:

Step 1: Log on to the Reliance General Insurance website and enter your car’s details, mobile number and email ID in the form.

Step 2: After entering the OTP, confirm your car’s make and model, registration number, RTO, etc. and then proceed.

Step 3: In the add-ons screen, select the Pay As You Drive insurance add-on and any other add-on to boost your coverage.

Step 4: View your quote and your selected add-ons.

Step 5: Fill in all the remaining details regarding your previous policy, inspection method, nominee details, etc.

Step 6: Proceed to pay. Once your payment is done, you’ll receive a soft copy of your policy in your inbox.

What Happens if I Run Out of my Available Kilometres?

Running out of your Available Kilometres or Kilometre Limit means you lose the protection of your car insurance policy. However, you can easily top up your exhausted kilometres with the Top Up Limit if you run out and continue your coverage. This way, you’re never out of coverage.

For example, suppose you had opted for a Kilometre Limit of 3,500 km under Reliance Limit Sure - Pay As You Drive add-on cover. But within a few months, you exhausted your Available Kilometres. Then you can contact us and request a Top Up Limit to extend your coverage for the current policy year.

Run Out of my Available Kilometres

Pay As You Drive
FAQs

  • Is the claim process different for Reliance Limit Sure - Pay As You Drive?

    No, the claim process is the same. You can make your Reliance Limit Sure - Pay As You Drive claim by calling 022 4890 3009 (Paid).

  • Does Reliance Limit Sure - Pay As You Drive cover accidents and theft?

    Yes, Reliance Limit Sure - Pay As You Drive is an add-on cover to your Own Damage insurance plan. Your Own Damage policy covers you for damages to your own vehicle due to an accident and even thefts.

  • Are any extra documents needed when buying a Reliance Limit Sure - Pay As You Drive add-on?

    No, all we need are your vehicle’s details, like make & model, registration year, fuel type, etc. to buy Reliance Limit Sure - Pay As You Drive.

  • How is the Reliance Limit Sure - Pay As You Drive Premium Calculated?

    The premium is calculated based on the mutually agreed kilometres you’ll drive also known as Available Kilometres. The number of kilometres you’ve driven is determined based on your odometer’s reading.

  • How will you calculate the number of kilometres I’ve driven?

    It will be determined based on your odometer reading. For example, you’ve agreed to drive up to 5,500 km and your car’s odometer reading is at 1,000 km at the time of buying the add-on. At the end of the policy tenure, your car’s odometer should be 6,500 km to avail the add-on's benefits.

  • How long does the Reliance Limit Sure - Pay As You Drive add-on last?

    The add-on will cover you for the standard duration of 12 months or more depending on your policy period.

  • Can I avail my unused kilometres in the next policy year?

    Yes, if you have unused kilometres, you can carry it forward to the next policy at the time of renewal. This is known as the Carry Forward Limit. For example, let’s say you purchased the add-on with a 10,000 kilometres limit. However, you only used 7,000 kilometres during the policy year. The add-on lets you carry forward the remaining 3,000 kilometres to the next policy year when you renew your policy and enjoy the extra coverage.

  • Can I do a top-up in case I exceed the number of kilometres?

    Yes. If, during your current policy, you run out of available kilometres, you have the option to top up your kilometres with the Top Up Limit feature. Top up kilometres are offered in multiples of 1000.

*T&C Apply. For more details on risk factors, terms & conditions, brochure and exclusions, please read the policy wordings carefully before concluding a sale. The details mentioned above are for multiple products such as Reliance Limit Sure - Pay as you Drive Add on Cover for Reliance Private Car Package Policy, UIN: IRDAN103RP0010V02100001/A0021V01202223; Reliance Limit Sure - Pay as you Drive Add On Cover for Reliance Private Car Policy Bundled, UIN:
IRDAN103RP0001V01201820/A0031V01202223; and Reliance Limit Sure - Pay as you Drive Add On Cover for Reliance Private Car Policy Stand-alone Own Damage, UIN: IRDAN103RP0007V02201829/A0033V01202223.
#Grace Kilometres can be availed only twice per Policy Period
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