Car Insurance in Mohali

Looking at the increasing traffic and increased risk exposure, having car insurance in Mohali has become more important than ever. Whether you want to navigate the busy roads of the city or commute to nearby cities like Chandigarh, car insurance provides you with necessary financial protection against potential risks.

The best car insurance in Mohali covers risks such as theft, road accidents, third-party liabilities, natural disasters and more.

Let's see what other benefits you can get by investing in the right car insurance in Mohali.

Traffic Stats in Mohali

• According to a recent report, traffic congestion in Mohali is getting worse due to road construction, blockades and seasonal rushes ¹.
• As per another report, nearly 44 people have lost their lives due to Mohali's traffic crunch ².
• Around 1.5 lakh traffic violators have been challaned this year in Mohali ³.

Why Should You Buy a Car Insurance Policy in Mohali?

Mohali Car Insurance: Reliance Car Insurance Plans in Mohali

Key Features and Benefits of Reliance Car Insurance in Mohali

Mohali Car Insurance: Reliance Car Insurance Price in Mohali

Reliance Car Insurance Price in Mohali

The Reliance car insurance price in Mohali is calculated based on your car specifications, coverage needs and other factors. You can use our car insurance calculator to learn about your potential premiums depending on these factors. Here is how to use it:

1. Go to our car insurance premium calculator.
2. Input your personal and car details. Click on "Check Our Prices".
3. Fill in other specified details such as type of coverage, IDV, etc.
4. Submit the details to receive an instant car insurance price list for your selected plans.

Third-Party Car Insurance Price in Mohali for Private Cars

Note that the third-party car insurance cost in Mohali is decided by the IRDAI based on the engine or battery capacity of the vehicle. Here is what the premium rates look like:

Third-Party Car Insurance Price List in Mohali for Electric Cars

Inclusions and Exclusions of Reliance Car Insurance Policy in Mohali

Inclusions

• Damages due to natural calamities (flood, landslide, earthquake, cyclone, thunderstorm, etc. )
• Damages due to man-made disasters (vandalism, riot, strike, etc. )
• Theft
• Fire and explosions
• Damages during transit.
• Personal accident cover for the owner-driver.

Exclusions

• Any damage due to self-negligence.
• Any damage due to violation of traffic rules such as overspeeding, overloading, drinking and driving, etc.
• Damages due to war or nuclear attacks.
• Damages due to illegal use of the vehicle.
• Regular wear and tear.
• Electrical and mechanical failure.
• Damages incurred outside of India (unless covered with an add-on)

Reliance Car Insurance Add-On Covers for the Best Car Insurance in Mohali

Pay-As-You-Drive Cover

Customise your premium and coverage based on the total distance you drive within a year.

Zero Depreciation Cover

Receive the full claim amount without factoring in depreciation costs during claim settlement.

No-Claim Bonus (NCB) Retention Cover

Protect your No-Claim Bonus even after making up to two claims within the policy period.

Total Cover

Get reimbursed for the complete on-road cost of your car, including registration fees and road tax.

Return-to-Invoice Cover

In case of a total loss, you are eligible to receive the vehicle's invoice value as the claim amount.

Consumables Cover

Covers the costs of consumables such as engine oil, nuts, bolts, and grease, among others.

24/7 Roadside Assistance

Access emergency services like towing, flat tyre replacement, and more whenever you're stranded on the road.

Engine Protection Cover

Safeguard your car's engine against damages caused by unforeseen circumstances.

Tyre Protection Cover

Covers repair and replacement expenses for damaged or worn-out tyres.

Key Replacement Cover

Get reimbursed for costs incurred in replacing lost or stolen car keys.

EMI Protection Cover

If repairs take over 21 days, receive financial aid to pay your car loan EMIs up to a certain limit.

Daily Transport Allowance

In case of prolonged repairs, you will be provided a daily allowance to cover alternate transportation costs.

Emergency Hotel Accommodation

Reimbursement for hotel expenses if your car breaks down 200 km or more from your location.

Loss of Personal Belongings Cover

Get coverage for theft or loss of personal items like laptops, mobile phones, and more.

Electrical Accessories Cover

Protects electrical accessories such as music systems and navigation devices from repair or replacement costs.

Non-Electrical Accessories Cover

Covers non-electrical components such as alloy wheels.

Rim Protection Cover

Safeguards against expenses for repairing or replacing damaged car rims.

Geographical Extension Cover

Provides coverage for accidental damages occurring outside India's borders.

Exclusive Add-Ons for Electric Cars

Benefit from specialised covers like electric motor protection and battery protection tailored specifically for electric vehicles.

How to Buy and Renew Reliance Car Insurance in Mohali

Steps to Buy Online Car Insurance in Mohali

1. To buy car insurance in Mohali, visit our official website and go to Explore Products -> Car Insurance.
2. Please provide your car's registration number, email ID, and mobile number, and click "View Prices." Based on these details, you will receive an instant quote.
3. Choose a plan from the given options and customise it using add-ons and other features.
4. Confirm the details and pricing and proceed with the premium payment.
5. Make the premium payment using any preferred mode.

Steps to Renew Car Insurance in Mohali Online

1. Go to our Homepage and navigate to Renewal -> Motor Insurance -> Renew Car Insurance.
2. Enter your existing policy number and vehicle details and click "Go".
3. Verify and confirm the details. Also, make necessary adjustments to your policy based on coverage needs.
4. Apply no-claims bonus discounts, if available.
5. Confirm the details once again and make the payment.

Documents Required to Buy Online Car Insurance in Mohali

• Identity Proof (Aadhaar, voter ID passport, etc. )
• Address Proof (PAN, bank passbook, electricity bill or any other utility bill)
• Copy of car's RC
• Copy of driving license
• Car's purchase invoice
• Passport-size photos

In addition to these documents, you also need to complete a C-KYC process as per the AML guidelines laid down by the Insurance Regulatory and Development Authority of India (IRDAI).

Make sure to check out the complete list of documents required to buy/renew car insurance in Mohali.

How to Choose the Best Car Insurance in Mohali?

● Identify Your Coverage Needs

Before finding the right car insurance in Mohali, carefully assess your insurance needs and risk profile. This will help you find the best insurance policy at an affordable cost.

● Opt for Comprehensive Coverage

Comprehensive car insurance is ideal for complete protection against a range of risks. It is also easier to manage, as you get own-damage and third-party insurance under a single policy.

● Customise Using Add-ons

Car insurance add-ons allow you to customise your plan as per your exclusive requirements. So, buy useful add-ons if you want to enjoy dedicated coverage.

● Compare Plans Online

Different car insurance plans offer different features and benefits. To choose the best insurance at an affordable cost, compare multiple plans based on features, benefits, price and more.

● Estimate Premiums

Car insurance is an important part of your financial planning. Thus, estimate your premium and make sure it aligns with your budget.

Factors Affecting Car Insurance Premiums in Mohali

● Insured Declared Value

It is the maximum amount you can claim with your car insurance. If your IDV is higher, your premiums will also be higher, and vice-versa.

● Choice of Coverage

Your choice of car insurance plan is a primary factor affecting premiums in Mohali. Third-party and own-damage insurance is more affordable than comprehensive insurance due to limited coverage.

● Car's Make and Model

High-end and luxury cars tend to receive higher premiums than economy cars.

● Age of Car

The age of your car also plays a key role in determining your premium cost. Generally, older vehicles receive lower premiums than brand-new cars due to their higher risk exposure.

● Annual Vs Multi-year Plan

Your car insurance premiums in Mohali also depend on your selected policy period. If you buy long-term car insurance, you can avail of discounted premiums.

How to File a Reliance Car Insurance Claim in Mohali

Steps to File a Cashless Claim

1. Intimate your claim within 24 hours of suffering a covered event. There are three ways to do so:
1. Call our claims helpline on +91-22-4890-3009
2. Visit our Claims Page.
3. Use the Reliance Self-i app.
2. Take your car to the nearest network garage in Mohali for repairs.
3. Our surveyor will conduct a vehicle inspection within 48 hours of claim intimation.
4. Once your claim has been approved, you can get the necessary repairs/replacement done.
5. After repairs, you can bring your car back home while we settle your repair bills directly at the selected garage.

Steps to File a Reimbursement Claim

1. First of all, register your claim as soon as your car meets an accident. To do this, use any of the methods mentioned above.
2. Document the damages and gather all the possible documents to use as evidence.
3. Take your car for repairs at any trusted garage in Mohali.
4. Pay your repair expenses and collect all the bills.
5. Fill out the claims form and submit it along with the specified documents online or offline.

Documents Required for Car Insurance Claim Process

• Motor Claims Form
• Policy Papers
• Copy of vehicle RC
• Copy of driving licence
• Garage details
• Original repair bills
• Proof of damage (photos, videos, newspaper clippings, etc.)
• FIR (for third-party accidents, theft and vandalism)
• NOC by finance

Here is a full list of car insurance claim documents required for specific claims.

Cashless Network Garages for Car Insurance in Mohali

Cashless network garages in Mohali are the auto-repair/replacement facilities that have tie-ups with your insurance company. Once your car suffers damages due to a covered incident, you can get it repaired at any network garage in a cashless manner. The insurer directly settles your repair bills.

At Reliance General Insurance, we have a strong network of more than 11,000+ network garages spread all across India, including Mohali. If you get your damaged car repaired at these garages, you don't have to worry about the upfront cost.

You only pay for selected deductibles and uncovered expenses while we take care of your repair costs.

Benefits of Cashless Network Garages in Mohali

• Trusted and reliable facilities.
• High-quality service by trained mechanics.
• Quick turnaround time.
• No upfront payment.
• Cashless settlement.
• Easily accessible.

Finding a Reliance Network Garage in Mohali: You can use our Garage Locator to find your nearest network garage.

Third-Party Vs Comprehensive Car Insurance in Mohali

Traffic Do's and Don'ts in Mohali

Do's

• Always follow the traffic signals and road signs.
• Wear a seatbelt/helmet while driving for your safety.
• Always drive in the designated lanes and use indicators to switch to a different lane.
• Make sure to carry important vehicle documents such as a driving license, vehicle RC and valid car insurance in Mohali.
• Limit your speed and drive carefully during fog in winter.
• Be mindful of pedestrians, especially kids and senior citizens.
• Maintain a safe distance to avoid rear-end collisions.
• Offer a way to ambulance and other emergency vehicles.

Don'ts

• Avoid drinking and driving.
• Avoid overspeeding and race trials.
• Don't overload your vehicle beyond its capacity.
• Don't use mobile phones or other handheld devices when driving/riding.
• Don't overtake from the wrong side.
• Avoid parking in public or any spaces other than the designated parking areas.
• Avoid honking unnecessarily.
• Don't drive without valid driving documents.

Frequently Asked Questions

● Is it compulsory to buy insurance for a second-hand car in Mohali?

Yes. It is compulsory to buy insurance for a car regardless of whether it is brand new or second-hand.

● Which is the best car insurance in Mohali?

You can find the best car insurance in Mohali at Reliance General Insurance. We offer a wide range of car insurance plans tailored to meet your budget and coverage needs.

We stand out for offering low premium rates, 100% claims settlement, 11,000+ network garages, quick cashless claims settlement and many more. To buy a suitable plan, visit our website, browse the Reliance Self-i app or visit our offline branch in Mohali. Use our Branch Locator to find your nearest branch.

● What is the car insurance cost in Mohali?

The car insurance cost in Mohali is determined based on several factors. These include the car's age, IDV, make and model, location, type of coverage, add-ons, no-claims bonus and more. You can use a reliable car insurance premium calculator to estimate your premiums based on these parameters.

● Should I buy comprehensive or third-party car insurance in Mohali?

Your choice between comprehensive and third-party insurance needs to be based on your specific coverage needs and risk exposure. Comprehensive car insurance is ideal if you want full protection against personal accidents and third-party damages.

However, if your goal is to meet only legal requirements, you can consider buying a third-party car insurance policy.

● Can I buy car insurance online in Mohali?

Yes. You can easily buy car insurance online in Mohali by visiting our website or the Reliance Self-i app. We offer instant policy issuance with zero paperwork and minimal documentation.

● What is the best type of car insurance in Mohali?

There are four main types of car insurance available in Mohali. These include third-party insurance, comprehensive insurance, standalone own-damage insurance and pay-as-you-drive insurance.

Each insurance policy offers unique features and benefits. You can choose the one that suits your budget and requirements.

● I don't drive my car very often. Should I still buy insurance?

Yes. Car insurance is compulsory in India regardless of the use of your car. If you do not use your vehicle frequently, consider investing in Reliance General Pay-As-You-Drive insurance to avoid heavy premiums.

With this plan, you can lower your premiums based on the number of kilometres your car drives. It helps you meet the regulations and offers sufficient coverage without causing financial strain.