Car Insurance in Nashik

Nashik, well-known as India's wine capital, is the fastest-growing city, and it has maintained its cultural heritage over time with modernisation. From the busy Panchavati markets to the serene banks of Godavari, Nashik is truly a city on its feet.

However, the rapid growth of urbanisation has resulted in heavy traffic, making road safety a perennial problem. That is the reason it becomes important to make sure that your car has wider coverage under good car insurance in Nashik, whether you are travelling on the Mumbai Nashik Expressway or within the city limits and localities of Nashik.

Stats About Nashik Traffic

Nashik is one of the important transit points in Maharashtra, and with rapid urbanisation over time, it has been facing a lot of traffic-related issues. Here are some helpful traffic standards clarifying the requirement for car insurance Nashik:

• According to news reports, Nashik's vehicular population has grown by over 10% annually, and more than 10 lakh ​vehicles were registered in the city in 2023.
• An average of more than 90,000 ​vehicles ply the Mumbai-Nashik Expressway daily, and arterial roads are also subjected to regular congestion and accidents.
• Nashik is one of many cities in Maharashtra witnessing an increase in the number of accidents every year — with 207 on-road fatalities in 2022 - and a spurt in road safety awareness underlines the need to rethink policy.

Why Should You Buy Car Insurance in Nashik?

Given the increasing traffic congestion and road mishaps in the city, having car insurance in Nashik is a must.

1. ​ Coverage for Accidents: Nashik suffers from a record number of accidents per annum. Reliance vehicle insurance plan protects you from partial and complete vehicular damage caused by these accidents.
2. Mandatory Legal Requirement: Car insurance is a legal requirement in India, including Nashik; otherwise, you face a hefty fine.
3. Unpredictable Weather Conditions: Nashik is known for its unpredictable weather. Reliance comprehensive car insurance can also cover natural calamities like floods, storms or any other disaster.
4. Increasing Traffic: Traffic (as in highways or local business areas) is the number one reason for minor dings and scratches. Car insurance will cover repair costs, so you won't have to open your wallet to pay for it.

Types of Reliance Car Insurance in Nashik

Reliance General Insurance has multiple car insurance policies in Nashik for different customer segments. Here’s an overview of the types of car insurance available:

Key Features and Benefits of Reliance Car Insurance in Nashik

Reliance General Insurance has flexible options for car insurance solutions for drivers in Nashik. Here’s why Reliance car insurance is always a step better.

Reliance Car Insurance Price in Nashik

Knowing the car insurance premium in Nashik is necessary for people to make the best decision. Reliance General Insurance offers very cost-effective quote options to its customers so they can avail themselves of the service according to their needs.

Using the Reliance Car Premium Calculator to Calculating Your Nashik Car Insurance Price

Reliance has a premium calculator on its website, which is easy to use. Nashik's residents can calculate the premiums with the help of this tool -

• Step 1: Go to our car insurance premium calculator.
• Step 2: Enter your contact details and your car’s registration number.
• Step 3: Click “View Prices” to compare plans and pricing.
• Step 4: Get instant quotes for the sort of car, location, and coverage that you want. You can also determine premiums on EVs as well as vehicles powered by traditional fuels.
• Step 5: Once you’ve decided on a coverage amount and plan type, you can buy your car insurance policy directly from our website.

Third-Party Car Insurance Premium Rates in Nashik (IRDAI 2023-2024)

For Private Cars

For Electric Cars

Inclusions and Exclusions of Reliance Car Insurance Policy in Nashik

Reliance Car Insurance provides comprehensive coverage against all damages to your car. Here are the major inclusions and exclusions you must know:

Inclusions

• Protection of your car against accidents, fire, theft and forces of nature.
• It covers personal injuries or death to the driver for injuries or death in case of an accident.
• Total loss or vehicular theft in Nashik
• It covers damages by floods, earthquakes, riots or terrorism.
• Protection against any damage while being transported through road, rail, and air.
• Insurance against animal attacks or rat bites.

Exclusions

• Wear and tear caused by time or the frequent use of the car.
• If the driver is at fault, then there can be no legitimate claims.
• Damage from driving without a valid license
• Any intentional damage caused to the vehicle by the policyholder or a third party will not be covered.
• Claims will not be honoured if the vehicle is being used in illegal activities, such as transporting contraband.
• Damages or accidents out of geographic area are not covered.

Reliance Car Insurance Add-On Covers in Nashik

Reliance Car Insurance in Nashik offers a range of add-on covers to enhance your car insurance policy. These optional covers allow you to tailor your policy according to your needs. Here are some of the key add-ons available:

How to Buy and Renew Reliance Car Insurance In Nashik?

How to Buy Car Insurance in Nashik?

• The first step is to visit Reliance General Insurance's official site or directly go to its car insurance.
• Enter your car's make, model, registration details, and other information.
• Choose the type of insurance plan you would like to buy and include any applicable add-ons for more protection.
• Once you review your policy details and the final pricing, make a secure online payment.
• After payment, you will receive the policy record promptly through e-mail.

How to Renew Online Car Insurance in Nashik?

• If you are an existing customer, then log in to your account on the Reliance General Insurance website or visit our renewal page.
• Enter your policy number and car details, and click ‘Go’.
• Check all the details and update them if any information needs to be changed. If necessary, you can also choose some add-ons to customise your policy further.
• Pay for your renewal premium.
• Your renewed policy document will reach you via your registered email.

Documents Required:

• RC (Registration Certificate)
  
• Driving Licence
• Prior Insurance Record (where applicable)
• Know Your Customer (KYC) Documents (Aadhaar Card, PAN Card, etc.)
• PUC
• Details of the bank (where they will withdraw your money if you pay by instalment)

How to Choose the Best Car Insurance in Nashik?

Choosing the best four-wheeler insurance scheme in Nashik requires some consideration to ensure that you have the right coverage at the right price. Here is how you can do it:

• Evaluate Your Coverage Requirements: The type of coverage determines whether you require a comprehensive plan, which would be suitable if you have a new car or own a more expensive model.
• Check Options: The most important thing to do to find the best rate is to compare multiple policies. Consider the coverage and add-ons offered, premium rates, and claim settlement ratio.
• Think About the Premium: Getting a full cover is really important, but getting a policy that actually offers you real value for your money is equally important.
• Look for Network Garages: Look for insurers that offer a good number of network garages in Nashik for easy access to cashless services. Reliance has 10,000+ network garages located across India, several of which are in Nashik.
• Consider Customer Reviews: Customer reviews are one way to get a sneak peek into an insurance company's effectiveness and reliability.

Factors Affecting Car Insurance Premiums in Nashik

The main factors that determine car insurance premiums in Nashik are as follows: Knowing these will allow you to make an informed decision about purchasing or renewing your insurance policy.

Location, Traffic and Road Conditions

• As Nashik witnesses an increase in traffic density, especially around high-density localities like College Road and Nashik Road, the possibility of an accident has also increased.
• More congestion in a particular area means more accidents and claims, which eventually incur more costs through your premium.
• Areas with higher accident rates or vehicle thefts lead to higher premiums.

Vehicle Type and Age

• Your premium also greatly depends upon the make, model and age of your vehicle.
• Luxury and commercial vehicles usually attract a premium. At the same time, older cars can be costlier to insure.

Driving History

• A clean driving record results in lower premiums.
• Drivers with no accidents or claims are considered lower risk, while new drivers or those with a history of accidents face higher premiums.

Type of Coverage

• Comprehensive insurance offers more extensive protection and costs more than third-party insurance, which covers only third-party damages.
• Choosing between these options depends on the coverage you need and will affect your overall premium rates.

Add-On Covers

• Add-ons will make your policy even more comprehensive, especially with the unpredictable Nashik climate.
• Nil Depreciation and Engine Protect are great add-ons that provide additional coverage but can also increase your premium, so only get add-ons you are sure you will need/use.

No-Claim Bonus (NCB)

• A claim-free record earns you an NCB, which can lower your premium by as much as 50%.

Vehicle Security Features

• Vehicles equipped with features such as airbags, anti-theft systems and GPS trackers are deemed lower-risk vehicles, which results in premium discounts.

How to File a Reliance Car Insurance Claim in Nashik?

Reliance car insurance claims can be easily filed in Nashik. Reliance simplifies the process to ensure a quick, convenient claim, whether you are making a cashless claim or a reimbursement claim.

Cashless Claims:

1. Please notify Reliance General Insurance soon after the accident/damage using our paid number: +91 22 48903009 or through our mobile app.
2. Take your car to the closed network garage in Nashik. The website's garage locator can tool help you identify cashless garages.
3. The first step is to register the claim at the garage by providing your policy information. A claim ID will be issued, and a surveyor will be dispatched to assess the extent of damage.
4. After registering the claim, the repair will take place in a garage, and the company will pay for any repair work directly.
5. Please hand over all documents, such as the FIR (if required), vehicle inspection report, and registration certificate of your car, to the garage or insurer.

*Note that you will still need to pay for mandatory deductibles and repairs for uninsured car parts.

Reimbursement Claims

1. Report the incident or damage to us as soon as possible via our paid number: +91 22 48903009, or through our mobile app.
2. Drive your car to any auhtorised garage in Nashik and get it fixed. Remember to keep all the receipts and invoices.
3. To initiate the claim reimbursement process, register the claim with Reliance and provide all necessary details, including the policy number, damage type, and repair bills.
4. Submit documents such as the repair bills, FIR (if applicable), photographs of the damaged vehicle and PUC certificate.
5. We will settle the claim and pay you back for repair costs according to policy terms.

Documents Required

• Policy Document
• Registered vehicle Book (RC)
• FIR (if applicable)
• Repair Bills/Invoices
• Pics of the Damaged Car
• Pollution Under Control (PUC) Certificate

Cashless Network Garages for Car Insurance in Nashik

A cashless garage provides vehicle repair services without requiring upfront payments. Instead, the insurance company pays the garage directly on your behalf, subject to policy terms. This means you won’t have to pay the repair costs when you get your car repaired at one of our network garages; we pay the bill for you.

Reliance General Insurance has a network of over 10,000 garages across India, many of which are strategically located in Nashik and its surrounding areas. This ensures you find experienced professionals and quality repairs wherever you are in Nashik.

These garages are quality-checked and can fix all types of damages, from minor ones to serious accidents. Use our Garage Locator Tool to find your closest network garage in Nashik.

Third-Party Vs Comprehensive Car Insurance in Nashik

Traffic Do’s & Don’ts in Nashik

Do’s:

• Everyone in the car should wear seatbelts.
• Stick to speed limits to avoid accidents.
• Signal in advance when changing lanes or turning.
• The blind spot check, always look around before changing lanes.
• Follow traffic signals to prevent accidents.

Don’ts:

• Avoid using your phone while driving.
• Never drive under the influence of alcohol.
• Make sure your car is not overloaded with passengers.
• Stay alert, especially during monsoon rains.

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Frequently Asked Questions (FAQs)

1. Is it possible to purchase or renew online car insurance in Nashik?

   Yes, you can buy car insurance online without any hassle in Nashik from the official website of Reliance General Insurance. All you need to do is fill in your details, choose appropriate coverage, pay for the policy, and you will receive it almost instantly.

2. How do I adjust my existing car insurance with Reliance in Nashik?

   In order to transfer your old car insurance to Reliance in Nashik, all you have to do is submit the details of your previous policy along with a copy of your vehicle’s registration certificate. You can start the transfer process online or by going to a Reliance branch.

3. Does Reliance offer electric vehicle car insurance in Nashik?

   Yes, Reliance General Insurance provides comprehensive coverage for Nashik-based electric vehicles (EVs). We also offer add-ons, such as EV Battery Protection and Electric Motor Protect, to keep your EV completely insured.

4. When is the ideal time to buy car insurance in Nashik?

   The ideal date for purchasing vehicle insurance in Nashik is a day before your existing coverage ends. You can opt for online car insurance in Nashik anytime, which comes with benefits such as fast processing and premium discounts.

5. What is the process to check the car insurance renewal status in Nashik?

   To check the status of your car insurance renewal in Nashik, simply visit the Reliance General Insurance website and log in to your account. You will be able to track your policy renewal status instantly.

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.