Car Insurance in Nagpur

As a transport hub, Nagpur is one of the busiest cities in Maharashtra, and vehicular traffic is soaring. Rapid urbanisation is also adding to this increase, leading to more congestion, traffic, and, you guessed it, road accidents.

To make sure Nagpur residents can make their daily city commutes with peace of mind, Reliance General Insurance offers Car Insurance in Nagpur.

Our third-party liability insurance, own damage coverage and extensive add-on covers ensure you stay protected from the risks of driving in a metropolitan city like Nagpur.

Stats About Nagpur Traffic

Nagpur, the third largest city in Maharashtra, has witnessed a rise in vehicle registration, leading to increasing traffic congestion. According to recent data, the city has 1.8 million registered vehicles, and this number is growing by more than 8% year-on-year (YoY) as of FY22.

Unfortunately, this high density on the road has culminated in an auto accident epidemic with over 3000 reported casualties every year by the city. These figures highlight the need for car insurance in Nagpur, as it provides financial and legal coverage to drivers in case of road accidents.

Why Should You Buy Car Insurance in Nagpur?

Car insurance is not just mandatory for the residents of Nagpur; it also works as an indispensable financial shield. Let’s see why:-

1. Heavy traffic zones in the city are also hotspots for accidents. A car insurance plan can protect you against expenses related to repairs if your car is involved in an accident, as well as any legal trouble arising out of the accident.
2. Nagpur also experiences strong rain during the monsoon season, which heightens the chances of vehicle damage due to waterlogging and road degradation. Reliance car insurance’s add-on covers, like Engine Protection, become particularly useful for drivers in this city to stay protected against the risks associated with monsoons.

Types of Car Insurance in Nagpur

Reliance General Insurance offers a range of car insurance plans that can be customised to the specific requirements of Nagpur-based drivers, such as:

Key Features and Benefits of Reliance Car Insurance in Nagpur

 Wide Network of Cashless Garages:

• Over 11,000+ cashless garages nationwide.
• Several network garages are available in Nagpur, facilitating easy vehicle repairs without the need for inspection.

 Personal Accident Cover:

• Coverage of up to ₹15 lakh in case of injury or death due to an accident.
• Provides financial support for dependents during difficult times.

 Minimised Paperwork:

• Streamlined quoting and claims processes on the company website.
• Reduces repetitive documentation for new sales, renewals and transitions.

 Extensive Add-On Options:

• There are over 18 add-ons to choose from, such as Zero Depreciation and Engine Protect
• We also offer add-ons specifically for electric cars and their parts

 High Claims Settlement Ratio:

• An impressively high claims ratio ensures that the claiming process is reliable.
• We have an easy claims process leading to better customer satisfaction.

 Efficient Customer Support:

• Reliance Car Insurance's customer care team is available to answer all your queries and provide guidance, ensuring a seamless insurance experience.
• Policy issuance in less time due to the paperless process.

Reliance Car Insurance Price in Nagpur

To calculate your car insurance premium on the Reliance General Insurance website, follow these steps:

1. Go to the Reliance Car Insurance Premium Calculator.
2. Add some basic car details and personal details, such as the registration number, manufacturing year, email ID, etc.
3. Choose coverage type, and select add-ons.
4. View the premium.
5. Modify and finalise.

Third-Party Car Insurance Premium Rates in Nagpur (IRDAI 2024-2025)

The Insurance Regulatory and Development Authority of India (IRDAI) fixes third-party car insurance rates, renewing them annually depending on vehicle engine capacity. These are the standardised IRDAI rates for private cars set by Reliance General Insurance:

Here are the 2024-2025 third-party insurance premium rates for electric vehicles as per the IRDAI guidelines:

Inclusions and Exclusions of Reliance Car Insurance Policy in Nagpur

It is important to know what elements are covered and not under your Reliance car insurance, as this will help you optimise the value of your car insurance plan.

Inclusions

• The accidental damage cover provided by Reliance car insurance offers a shield for you against hit-and-run cases, fire and self-accidental loss.
• It includes coverage for natural calamities, which was perfect for Nagpur during the monsoon season when the city experienced heavy rains that caused flooding and storms.
• The policy also provides personal accident coverage of up to ₹15 lakh, providing financial safeguards for accidents resulting in major injuries or fatalities.
• The coverage also includes third-party liability, which covers legal liabilities due to injuries or property damage to other people involved in an accident.

Exclusions

• Exclusions are normal wear and tear, mechanical/electrical breakdowns or damages because of driving a car under the influence of alcohol/drugs.
• Losses arising out of unauthorised usage or if insured by you under a scheme in connection with your racing activities.
• It is not applicable to damages outside India.

Reliance Car Insurance Add-On Covers In Nagpur

Here is an expanded list of add-ons for Reliance Car Insurance, ideal for creating a comprehensive coverage plan for car owners in Nagpur:

  Nil Depreciation Cover: Claim without depreciation deductions on parts.

 Engine Protection Cover: Protects engines against water damage, especially during monsoons.

 Consumables Expenses: Covers items like engine oil and nuts.

 24 x 7 Roadside Assistance: Provides towing, fuel delivery and flat tyre assistance.

Total Cover: This covers registration fees, road tax, and insurance premiums in case of severe damage.

 Return to Invoice Cover: Reimburses the car’s full invoice value in total loss.

 NCB Retention Cover: Retains the no-claim bonus even after a claim.

 Tyre Protection Cover: Covers accidental damage to tyres.

 Key Replacement Cover: Covers costs of lost or stolen keys.

 Daily Allowance Benefit: Daily transport allowance during repairs.

 Loss of Personal Belongings: Covers valuables lost in an accident.

 Electrical Accessories Cover: Covers additional accessories like music systems.

 Non-Electrical Accessories Cover: Covers non-electrical custom accessories like alloy wheels or seat covers.

​  Geo Extension: Provides extension of your car insurance to other countries.

 Emergency Hotel Accommodation: Helps in case a car breaks down 200 km away from your home.

 Pay As You Drive: Offers a discount on your premiums based on your driving habits and car usage

 Electric Vehicle Battery Protection: Covers high costs of repair or replacement of electric vehicle’s battery in case of damage or theft.

 Electric Motor Protect: Covers motor repairs or replacement

 Electric Vehicle Charger: Protects EV’s charging unit against theft or damage.

How to Buy and Renew Reliance Car Insurance In Nagpur?

Reliance General Insurance offers an instant and hassle-free online platform to buy or renew car insurance in Nagpur.

Online Buying Process:

• Head over to Reliance Car Insurance Page, enter the details of your vehicle, and get instant quotes now!
• Choose your preferred coverage (third-party, comprehensive, or Pay As You Drive) and add any add-ons required.
• You have now chosen your policy, followed by the payment process, and finally, an email with your Policy Documents will be sent.

Online Renewal Process:

• To renew, head to the renewal tab on our website, enter your policy number, and get a quote.
• Check your details again
• Add or remove any optional cover (add-ons) if necessary
• Pay to renew right away.

Documents Required:

• Registration Certificate (RC) of the vehicle
• Proof of ID and Address
• Prior insurance history (for renewals)
• Your driving licence (both for making insurance claims and part of the ID check)

How to Choose the Best Four-wheeler Insurance Policy in Nagpur?

Buying car insurance in Nagpur is relatively easy if you consider your driving behaviour, vehicle type and problems you face on the city roads.

• If you commute daily through heavy traffic in Nagpur, you need more comprehensive coverage to cover extensive damage and repair costs. So, assess your driving habits and routine first.
• Ensure that your insurer has a high claim settlement ratio and offers a wide network of cashless garages in Nagpur.
• Look for insurers that offer online services with minimal paperwork so you can make quick purchases, renewals, and claims.

Reliance car insurance provides flexibility in coverage with third-party and comprehensive options as well as add-ons, which can be beneficial if you’re looking for all-around coverage.

Factors Affecting Car Insurance Premiums in Nagpur

Vehicle Type:

• Luxury cars and SUVs typically come with higher insurance premiums due to their expensive repair costs.
• Premiums tend to be higher on newer cars, which have a greater market value.

Vehicle Condition:

• Comprehensive policies consider the car's overall condition, so a lack of proper maintenance can increase the premium range.

Traffic Conditions in Nagpur:

• Heavy traffic and high accident-prone areas in Nagpur lead to increased premium rates.
• Reliance Car Insurance Nagpur considers local congestion and accident statistics when calculating premiums for city drivers.

Cost of Add-Ons:

• Optional add-ons like Zero Depreciation or Engine Protection increase the overall policy cost due to enhanced coverage.

Safety Features and Claims History:

• Discounts may apply for vehicles equipped with advanced safety features.
• A one-year claim-free history can also contribute to lower premiums.

How to File a Reliance Car Insurance Claim in Nagpur?

The process can be direct, with Reliance promising to offer cashless and also reimbursement modes.

Cashless Claims

• Call Reliance customer support to register your claim and confirm coverage.
• Customer support will help locate a nearby cashless network garage in Nagpur, where you can have the vehicle repaired without upfront costs.
• At the garage, provide the completed claim form, a copy of your driving licence, and additional documents like an FIR (in case of theft).
• The garage will begin repairs, and Reliance will inspect if necessary.
• After repairs are complete, Reliance will settle the bill directly with the garage, covering eligible expenses without you needing to pay out of pocket.

Reimbursement Claims

• You must inform us of the incident and then select any garage to service your car.
• Have the repairs done and collect all original invoices and receipts.
• Fill out and submit a claim form to Reliance along with relevant documents like an FIR (if needed), photos of the damage, and original repair invoices.
• Reliance will review the claim and validate it based on the policy terms.
• After verification, Reliance will reimburse the eligible repair amount directly to your bank account.

Documents Required

• Duly filled claim form
• FIR (for fatal accidents or theft cases)
• RC, insurance policy and driving licence
• Repair bills from the original sale for reimbursement

Cashless Network Garages for Car Insurance in Nagpur

Reliance General Insurance offers cashless garages across India, including many in Nagpur. These garages come with a cashless facility for policyholders to avail themselves of repairs requiring no upfront payments, as Reliance General Insurance directly settles the approved repair costs. The cashless process makes the claims procedure more straightforward by reducing those big bills and easing life on the financial side.

Find your nearest cashless network garage in Nagpur with our Reliance Garage Locator Tool by entering your location.

Third-Party Vs Comprehensive Plans

Here’s a concise comparison of the two types of car insurance offered by Reliance General Insurance in Nagpur:

Third-Party Car Insurance

• Mandatory Coverage: Required by law for all vehicle owners in India.
• Liability Protection: Covers damages to third parties in case of an accident, including:
  • Property damage
  • Personal injury
  • Death
• Cost-Effective: Generally cheaper than comprehensive insurance.
• Limitations: It does not cover damages to your vehicle.
• Legal Requirement: Essential for meeting legal obligations when driving.

Comprehensive Car Insurance

• Full Coverage: This includes third-party liability and protection for your vehicle.
• Damage Protection: Covers losses due to:
  • Accidents
  • Fire
  • Theft
  • Natural disasters (e.g., floods, which are particularly relevant in Nagpur due to heavy rains).

Traffic Do’s & Don’ts in Nagpur

Traffic rules should be followed while on Nagpur roads to protect yourself and others from accidents, as the streets there tend to get busy.

Do’s:

• Observe speed limits, particularly around accident-prone areas and schools.
• Indicators can be used to inform other drivers when changing lanes.
• Always wear seatbelts and ensure passengers do the same.
• Always carry documents such as a driver's licence, vehicle registration and insurance copy in your car.

Don’ts:

• Don't use your mobile when you are driving, as it increases the chances of accidents.
• Never drive while under the influence of any substance. It ensures your safety and the safety of others.
• Honk only when necessary to avoid causing noise pollution and traffic disturbances.
• Do not park in no-parking areas.

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FAQs

1. Can I get second-hand car insurance in Nagpur?

   Yes, you can get second-hand car insurance in Nagpur. Reliance General Insurance offers policies for used vehicles. You need to disclose the age of the car, its condition and any previous claims so that you will be charged a suitable premium.

2. How do I download a copy of my policy in Nagpur?

   If you want to download a copy of your policy in Nagpur, just log in to the Reliance General Insurance website with valid credentials. Go to the section 'My Policies', which displays all your active policies. You can then download your Policy document directly from this section.

3. What is the fine for not having car insurance in Nagpur?

   Driving without valid car insurance results in a fine of Rs ₹2,000-Rs ₹4,000 at Nagpur. Serial offenders could face stiffer penalties, possibly including jail time. Avoiding these legal consequences is one of the most important reasons to keep valid insurance.

4. What discounts are available for car insurance in Nagpur?

   Well-known discounts are offered on Reliance Car Insurance in Nagpur, like NCB for claim-free years, discounts for ARAI-approved anti-theft devices and discounts for members of certain organisations or groups.

   When you are in the process of purchasing this package, it is best to ask about discounts.

5. Should I opt for Zero Depreciation?

   One of the best add-on covers for new cars is the Zero Depreciation cover. This allows you to be compensated the total claim amount without depreciation in case of claims for repairs or total loss. The cover is highly recommended to provide maximum financial protection for your vehicle.

Disclaimers:

*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.

Customer Count: The total no. 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, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than 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 claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.

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 basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of 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