Car Insurance in Lucknow

The infrastructure for road transport in Lucknow has witnessed a significant improvement with the construction of national highways like NH 24 and NH 25. These developments have established good connectivity and accessibility to Lucknow.

However, the city has also experienced a rise in road accidents in recent years. It underlines the importance of having car insurance in Lucknow with adequate coverage.

Reliance General Insurance offers Lucknow car insurance policies with flexible features. You can customise car insurance plans based on your specific requirements. We offer extensive features at an affordable premium.

You can buy online car insurance in Lucknow, and here is everything you need to know about it.

Traffic Stats in Lucknow

• Road accidents in Lucknow increased from 790 in 2021 to 1,349 in 2022.
• Due to the rise in the number of accidents, the city's ranking among the million-plus cities in India worsened, moving from 30th to 25th.
• Fatal incidents showed a sharp increase, with 261 deaths in 2021 and 587 in 2022.
• The number of persons injured also increased from 521 in 2021 to 935 in 2022.
• Lucknow ranks 7th among the top 10 million-plus cities based on road accident fatalities from 2018 to 2022.

Source: ​Road Accidents in India 2022

Why Should You ​Buy Car Insurance in Lucknow?

Reliance Lucknow Car I​​nsurance Plans

Key Features and Bene​fits of Reliance Car Insurance in Lucknow

Premium for Relianc​e Car Insurance in Lucknow

Premium for Lucknow Car Insurance

You can use our car insurance premium calculator online to determine the premium if you intend to purchase an own-damage or comprehensive car insurance policy.

• Step 1: Enter your car's registration number, Email ID and mobile number.
• Step 2: Click on "View Prices" and select a car insurance policy.
• Step 3: Provide the required information, such as the sum insured, add-ons, etc., and view the applicable premium quote.

If you want a more affordable option, you can revise the inputs, such as the coverage required and the add-ons and calculate the premium once again.​

Third-Party Car Insurance Premium for Standard Cars

Third-Party Car Insurance Premium for Electric Cars

Inclusions and Exclusions of Reliance Car Insurance in Lucknow

● Inclusions

• Damages incurred to third-party properties and injuries or death to individuals.
• Repair and replacement of your car's parts caused by accidents or collisions.
• Personal accident cover for a financial benefit of up to ₹15 lakhs for the owner-driver
• Theft and damages caused by theft of parts.
• Damages caused by natural disasters, including cyclones, floods, earthquakes, etc.
• Damages caused by man-made disasters, such as riots, strikes, etc.
• Damages caused by fire explosions.
• Damages that are caused to your car due to transit through waterways, railways or roadways.
• Damages caused by animal attacks.

● Exclusions

• Depreciation due to regular wear and tear.
• Driving after the consumption of alcohol.
• Negligent driving
• Driving without the necessary documents, such as Car Insurance, Driving Licence, etc.
• Electrical or mechanical breakdown
• Driving in restricted areas
• Pre-existing damages
• Damages caused by nuclear weapons, war or war-like situations
• Driving outside the Indian geographical boundaries

Add-Ons for Reliance Car Insurance in Lucknow

• Pay-As-You-Drive - You can determine the coverage and premium based on the kilometres that you drive in a particular year.
• Nil Depreciation - You will get the claim settlement amount accounted for the depreciation.
• NCB Retention Cover - You can retain your No-Claim Bonus even after raising a claim for up to two claims.
• Total Cover - You can get compensated for the total on-road price of your car, including road tax and registration charges.
• Return-to-Invoice Cover - In the event of a total loss, you can receive a claim settlement amount equal to the total invoice amount.
• Consumables Expenses - You can be covered for consumables such as nuts, bolts, oil, grease, etc.
• 24/7 Roadside Assistance - When you are held up on the road, you can claim roadside assistance, such as towing services, flat tyres, etc.
• Engine Protection Cover - You can get exclusive coverage to pay for damages incurred to your car's engine.
• Tyre Protection Cover - You can cover the repair and replacement costs associated with your car's tyres.
• Key Replacement Cover - You can cover the expenses incurred towards replacing your stolen or lost car keys.
• EMI Protection Cover - If the repair takes longer than 21 days, you can get financial assistance to pay your EMIs to a specified extent.
• Daily Allowance Benefit - If the repair takes longer than expected, you can receive a daily allowance to cover the expenses of alternate transport.
• Emergency Hotel Accommodation - You can get covered for accommodation expenses if there is a car breakdown 200 kms away from your location.
• Loss of Personal Belongings - You can be covered for the loss of your personal belongings, including your mobile, laptop, and more.
• Electrical Accessories - You can get covered for the repair and replacement of electrical accessories, such as audio and navigation equipment.
• Non-Electrical Accessories - You can get covered for non-electrical accessories, such as your car's alloy wheels.
• RIM Protection - You can get covered for the expenses incurred due to your car's rims.
• Geo Extension - You can get covered for accidental damages incurred outside Indian geographical borders.

In addition to these add-ons, we offer specific add-ons exclusively for electric cars. It includes electric motor protection and electric vehicle battery protection.​

How to Buy and Renew Car Insurance in Lucknow?

Steps to Buy Car Insurance in Lucknow?

• Step 1: Open and visit our Reliance Car Insurance Online page,
• Step 2: Give the required information, such as your car's registration number, mobile number and email ID.
• Step 3: Click on "View Prices." Review your car's details and compare car insurance policy options.
• Step 4: Choose a suitable product and opt for add-ons if necessary.
• Step 5: Click on "Buy Now" and pay the applicable premium to buy online car insurance in Lucknow.

How to Renew Car Insurance in Lucknow?

• Step 1: Open and visit our Reliance Car Insurance Online page.
• Step 2: Navigate to the "Renewal Tab" and click on "Renew Car Insurance".
• Step 3: Give either your car insurance policy number or mobile number.
• Step 4: Review your existing car insurance coverage details and modify them by enhancing the coverage or choosing add-on optional covers.
• Step 5: Check the applicable premium and pay for it using a suitable online payment method.

Documents Required to Renew or Buy Car Insurance in Lucknow

• Copy of your car's valid Registration Certificate
• Copy of your valid Driving Licence
• Proof of Identity - Aadhaar Card, Driving Licence, Voter ID, etc.
• Proof of Address - Aadhaar Card, Voter ID, Ration Card, Passport, etc.
• Proof of Income - Payslips, Bank Statements, ITR forms, etc.
• Passport size photographs

How to Choose the Best Car Insurance in Lucknow?

Factors that Affect Lucknow Car Insurance Premium

• Age : Your car's age is a significant factor influencing its premium. The older the car, the lower the premium.
• Insured Declared Value (IDV) : IDV refers to your car's current market value, considering the applicable depreciation. As your car ages, its value and IDV decrease, resulting in a lower insurance premium.
• Car Specifications : Your Lucknow car insurance premium is also affected by your car's age, make and model and the engine's cubic capacity.
• Type of Car Insurance Plan : The type of car insurance policy you choose, whether third-party, own-damage or comprehensive, directly impacts the premium quote.
• Add-on Covers : Your car insurance premium will increase considerably depending on the choices and the number of add-ons you include.
• Location : The area in which you reside and drive your car regularly can also affect your premium. Accident-prone zones and congested areas will result in a higher car insurance premium.

How do you File a C​laim for Car Insurance in Lucknow?

How to Process a Lucknow Car Insurance Cashless Claim?

1. Please notify us within 24 hours of the incident and the r​equirement for a cashless car insurance claim.
1. ​​Calling our helpline number +91-22-48903009 (paid)
2. Visiting our Car Insurance Claim page
3. Logging in to your Reliance Self-i App
2. Look out for a garage from our network of garages in Lucknow and take your car.
3. We will send a surveyor to inspect the damages within 48 hours of claim initiation.
4. We will review the surveyor's inspection report and process the claim. If the claim is approved, the repair work can be started at the garage.
5. We will pay the repair bills directly with the garage to the extent of the claim amount approved.

*Note that the expenses related to uninsured parts, deductibles or depreciation will not be covered. You will have to pay for it out of your pocket.

How to Process a Lucknow Car Insurance Reimbursement Claim?

1. Notify us of the claim by contacting us using any of the options listed above.
2. Collect supporting evidence, such as photos and videos of damages.
3. Locate an authorised garage near your location and get it repaired.
4. Pay for the applicable expenses and ensure you get the repair bills and payment receipts.
5. Fill out the claim form and submit it to us along with the supporting documents.

*Note that for reimbursement claims, you are required to pay the repair bills upfront, and we will reimburse them later.

After submitting the claim, you can track the status of your car insurance claim online by giving your claim reference number or policy number.

Documents Required for Car Insurance Claim Process

• Policy document
• Claim form
• Registration certificate of your car
• Driving licence
• Details of the garage, including name, location and contact details
• First Information Report (FIR) for accident cases
• Forms 28, 29 and 30 duly signed for the admission of liability
• Financier's No Objection Certificate (NOC)

Find the complete list of car insurance claim documents to register a claim for car insurance in Lucknow.

Cashless Garages f​or Car Insurance in Lucknow

Cashless garages are garages wherein you can take your car to repair the damages, and we will directly pay them for the expenses. It simply means you don't have to pay for the garage expenses, except for any deductibles or uncovered expenses.

• Why Should You Choose Cashless Garages?

  It helps you reduce the stress of paying for the repair expenses out of your pocket and ensures a seamless claim experience.

• How to Locate a Reliance Cashless Garage?

  Navigate to our Garage Locator online to find a Reliance General Insurance cashless garage near your location.

Third-Party vs Comprehensive Car Insurance in Lucknow

Traffic Do's and Don'ts in Lucknow

Do's

• Learn the traffic rules and regulations and follow them diligently.
• Always wear a seatbelt while driving a car.
• Always ensure that your co-passengers in the car also wear a seatbelt.
• Keep important documents, such as car insurance, driving licence and registration certificate, handy.
• Follow lane discipline and use indicators while switching lanes, especially on a highway.

Don'ts

• Avoid jumping a red signal.
• Avoid using a mobile phone while driving.
• Avoid intoxicating substances, such as the consumption of alcohol or drugs.
• Avoid driving at an excessive speed.
• Avoid parking your car in no-parking zones.

Frequently Asked Questions about Car Insurance in Lucknow

1. How can I buy second-hand car insurance in Lucknow?

1. Complete the transfer procedures efficiently and collect the essential documents, such as your car's RC transfer.
2. Complete the Forms 29 and 30.
3. Contact us on our paid helpline number (+91-22-48903009) to prepare for the inspection process.
4. Upon completion, you can buy online car insurance in Lucknow using the steps mentioned in the above sections.

2. What will car insurance cost in Lucknow?

   The cost of car insurance in Lucknow will depend on various factors. Some of the most common among them are your car's age, make and model, Insured Declared Value (IDV), type of car insurance policy, add-ons chosen and location.

3. Can car insurance be purchased for 3 years?

   Yes, car insurance plans c​​an be purchased for 3 years. It reduces the stress of paying annual premiums and becomes easier to manage during the long term. Reli​​ance General Insurance offers Long-Term Car Insurance Plans for 3 years and 5 years.