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Buy Reliance Car Insurance in Chandigarh starting at just ₹238/month*
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In Chandigarh, our car insurance solutions are customised to unique needs offered by Reliance General Insurance. Reliance car insurance offers peace of mind while you drive on Chandigarh's lively roads, from providing an edge over unknown incidents to covering legal liabilities.
Whether you wish to purchase new car insurance in Chandigarh or renew an existing insurance policy, Reliance General Insurance makes it easy with hassle-free online options that save you time and effort.
Chandigarh saw a decline in fatal road accidents in the first half of the year. Despite these efforts, the city still has high accident numbers, and car insurance can help with the unexpected.
Due to numerous ongoing infrastructure projects, namely in the city's urban development and public transport system, e.g. metro extensions, Chandigarh's Vehicle traffic is expected to increase between 10–15% over the next decade.
This rise draws attention to the importance of car insurance to cover the risk that comes with increased road congestion.
Known as "The City Beautiful," Chandigarh is among the best-planned and most vibrant cities in India. Nevertheless, the growing number of vehicles on its roads and busy traffic, along with crowded urban sections, stresses the need for a good car insurance policy. Exciting reasons why purchasing car insurance in Chandigarh'is imperative:
Because of urban population growth and economic development, Chandigarh has a high vehicle density. With over 13 lakh registered vehicles in the city, the chances of accidents or minor collisions are relatively high.
This is where a car insurance policy comes into play, as it offers coverage against these risks and prevents you from incurring unforeseen repair costs.
According to the Motor Vehicles Act, it is mandatory to have at least third-party liability car insurance in India, including Chandigarh. Not doing so can lead to fines ranging from ₹2,000 - ₹4,000 from traffic authorities if you are caught driving without insurance.
Some areas of Chandigarh get waterlogged when it rains heavily during monsoon. A comprehensive plan helps to protect your vehicle from damages caused by floods, storms and other natural disasters. It also includes coverage for man-made risks like theft, vandalism and fire.
Urban regions are known for their expensive labour & material costs, and repairs or replacements of car parts in Chandigarh tend to come at a high price. Car insurance can help pay for these expenses so that you aren't left with the financial burden.
When it comes to choosing Reliance General insurance to suit Chandigarh's urban driving environment, we offer add-ons like Engine Protection, Zero Depreciation, Roadside Assistance, along with many other add-on covers to make sure your car is covered against potential damage.
Chandigarh is a base for tourists heading to hill stations like Shimla and Manali. Reliance car insurance covers you even while you are travelling intercity, so your travel experiences are less worrying!
Reliance General Insurance offers a variety of car insurance plans designed to cater to the unique needs of Chandigarh vehicle owners. Here's an in-depth look at the options:
Whether you are in Sector 17's crowded streets or commuting along roads near Sukhna Lake, Reliance General Insurance offers end-to-end assistance and keeps your mind at peace.
The price of Reliance online car insurance in Chandigarh may vary depending on factors such as the type of insurance you opt for, your vehicle details, and optional add-ons. Reliance General Insurance offers affordable premiums, ensuring that the needs of every resident in Chandigarh, from daily commuters to those who drive rarely, are met.
Reliance General Insurance provides a car insurance calculator to compute the cost of the car insurance premium. Throw in some basic details and the calculator serves up instant premium quotes for comprehensive and third-party plans.
Step 1: Visit the Reliance General Insurance website and navigate to our car insurance page, where you'll find our calculator.
Step 2: Enter your contact information, your car's registration number in Chandigarh and click View Prices.
Step 3: You'll be shown several quotes based on your car's make/model.
Step 4: You can continue to add, remove and modify the coverage of these options until you get the quote and coverage you're satisfied with.
Step 5: From there, you can directly proceed to buying your car insurance plan.
Available on the Reliance General Insurance website, this tool promises complete transparency before you make a purchase.
The Insurance Regulatory and Development Authority of India (IRDAI) has standardised third-party premium rates, which are the same across India, including Chandigarh:
Decide if you want basic third-party coverage or a detailed policy with extra coverage. Consider factors like vehicle usage, age of the car, and your locality in Chandigarh. For instance, areas with higher rates of traffic or accidents may require greater coverage.
Review comparisons from different companies based on policy features, premiums, and other benefits. With Nil Depreciation, NCB Retention, and Engine Protection Covers on offer, Reliance General Insurance is a favourite for both new and old vehicles.
Add-ons broaden your policy coverage. Given the varied road conditions in Chandigarh, Chandigarh drivers may find value in options such as 24x7 Roadside Assistance or Tyre Protection Cover.
Also, check the claim settlement ratio and customer reviews for the insurer you shortlist. Reliance General Insurance is known for hassle-free claim settlement and is a trusted option for Chandigarh drivers.
Check for cashless network garages in Chandigarh by the insurer. With a wide network across the country, repairs and settlements become non-hassles for Reliance General Insurance.
Search for benefits such as No Claim Bonus (NCB) when renewing policies. Reliance's NCB Retention Cover will free you from losing your bonus even after you raise a claim.
With that, you can be assured that you chose a car insurance plan suitable for your pocket and will be worry-free on the busy roads of Chandigarh.
Due to Chandigarh's road safety statistics and the lower number of accidents, the premiums remain generally competitive compared to other cities since traffic density remains relatively controlled.
However, areas like Sector 17 and IT Park remain crowded, which may have an effect on premiums due to the higher chances of accidents in the city.
Rates are based on the type and engine capacity of the vehicle. The premium structures for high-capacity cars or electric vehicles with advanced technologies generally vary.
Driving well and making few insurance claims keeps your premium low, but if you make frequent claims or have a history of rash driving, your insurance costs can increase.
Opting for supplementary covers such as Engine Protection, Tyre Cover, and Return to Invoice increases the premium but offers better protection.
Older vehicles with depreciated value may attract lower premiums but have limited coverage options. New cars, however, require full coverage plans with higher premiums.
If you have a cashless Chandigarh car insurance policy, you can get repairs done at one of Reliance's authorised network garages in Chandigarh. Here's how to proceed:
Step 1: Call Reliance's helpline (022 48903009) to start the claims process after the accident or damage.
Step 2: Go to an approved cashless garage in Chandigarh. Using our cashless garage locator tool on the Reliance General Insurance website.
Step 3: A surveyor will be dispatched to the location to assess the extent of damage and get an estimate of the repair costs.
Step 4: Provide all the necessary documents and ensure you answer all questions regarding the incident,
Step 5: After approval, the garage starts the repairs, and Reliance General Insurance pays the garage directly for the repairs.
With a network garage, you won't have to pay for repairs upfront (except for uninsured parts and deductibles); instead, the insurer pays the claim directly to the garage.
If you decide to have your vehicle repaired at a garage outside our network or if you paid for the repairs upfront, you can submit a claim for reimbursement.
Step 1: Contact us first (via 022 48903009) and inform us of the incident. In case of an accident or theft, report the incident to the police and get a copy of the FIR.
Step 2: Then, you pay for the repairs at your chosen garage; take the invoice/receipts.
Step 3: Initiate the claim online on our claims intimation page and fill out the claims form.
Step 4: Upload the documents required for the reimbursement claim.
Step 5: Reliance General Insurance will settle your payment once the records have been verified.
This process means that you'll be reimbursed for the amount you paid for repairs, provided that amount is covered under your policy.
You may also be required to submit additional documents depending on the nature of your claim. Always ensure you get the complete list of documents to be submitted from us whenever you are filing a claim for quick claims settlement.
One of the most convenient benefits of buying Reliance Car Insurance in Chandigarh is cashless claim settlement. You'll no longer have to race to gather cash to pay for your repairs since we directly settle the bill with the network garage.
If you are wondering how to find a garage near your location that is cashless, it is very simple:
In a cashless garage, you need never worry, as you are in safe hands with hassle-free claim settlement and reliable repair solutions. If you need any help, you can reach out to Reliance General Insurance's customer service team.
Does Chandigarh's car insurance renewal have a grace period?
Yes, Reliance General Insurance offers a grace period for renewal, generally up to 30 days, to allow you to keep the coverage without causing your policy to lapse.
Can I transfer my existing car insurance to Reliance car insurance in Chandigarh?
Yes, you can transfer your existing car insurance policy to Reliance General Insurance by submitting the necessary documents, and a smooth transfer of coverage will be facilitated.
What is the claim settlement ratio of Reliance car insurance in Chandigarh?
Reliance General Insurance has a 100% (FY 2023-24) claim settlement ratio, which shows that claims are paid in a timely manner.
Can I buy Reliance car insurance for a leased or financed vehicle in Chandigarh?
Yes, Reliance car insurance in Chandigarh can also be purchased for leased or financed vehicles.
Are there any discounts on premium for installing anti-theft devices in Car in Chandigarh?
Yes, if you have affixed ARAI-approved anti-theft devices such as GPS trackers or alarms to you car, you can get a discount on your premiums.
Disclaimers:
*T&C Apply. Please read the policy wording and CIS carefully before concluding a sale for more details on risk factors, terms and conditions, brochure, and exclusions.
Customer Count: The total number of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workers' Compensation and Crop Insurance, Weather LOB, and fire LOB provided by the IRDAI count, which is the master policy count. In addition to these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claims outstanding at the start of the financial year, as per Reliance General Insurance Co. Ltd's public disclosure.
Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
Discount: The discount varies based on vehicle specifications, the No Claim Bonus discount, and the Geographic location of the vehicle to be insured. Discounts have been calculated using the rates prescribed under the erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section, and discounts may vary depending on the vehicle's make, model, RTO, age, and add-ons like Reliance Limit Sure-Pay As You Drive.
Comprehensive Car Insurance/Car Insurance UIN: 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.
Own Damage UIN: Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage (UIN-IRDAN103RP0001V01201920)
Third-Party UIN: Details mentioned here are for the product- "A" Policy for Act Liability Insurance ( Pc /Tw/Commercial ), UIN: IRDAN103RP0003V01200102; A" Policy for Act Liability Insurance (Private Car) - 3 years, UIN: IRDAN103RP0003V01201819.
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