Car Insurance in Noida

Noida, located in the Gautam Buddha Nagar district of Uttar Pradesh, is one of the most well-planned cities in India. It has a good transport system with convenient access and smooth connectivity to major highways.  

However, the district of Gautan Buddha Nagar, particularly Greater Noida is prone to road accidents. It is especially common during winter fog. This makes having reliable car insurance in Noida essential.

Reliance General Insurance offers various Noida car insurance plans tailored to your specific requirements.

Traffic Stats in Noida

• Between Jan 2024 and Sept 2024, Noida reported 853 road accidents, slightly higher than in the same period in 2023 and 811 in 2022.
• Between Jan 2024 and Sept 2024, at least 331 people lost their lives, and 735 were injured in Noida due to road accidents.
• Black spots in Greater Noida are Rajnigandha Chowk, DND Flyway, Zero Points of the Noida-Greater Noida Expressway, Pari Chowk, Kasna to Pari Chowk, Yamuna Expressway, Surajpur and Jewar Toll Plaza.

Why Should You Buy Car Insurance in Noida?

Reliance Noida Car Insurance Plans

Key Features and Benefits of Reliance Car Insurance in Noida

Premium for Reliance Car Insurance in Noida

Premium for Noida Car Insurance

You can determine the premium for an own-damage car insurance or comprehensive car insurance policy with our online car insurance premium calculator.

• Step 1: Provide your car's registration number, mobile number and Email ID.
• Step 2: Click on "View Prices" and choose a car insurance policy from the given options.
• Step 3: Provide the required details and find the premium break-up for your car insurance policy.

You can revise the details that you have provided, such as the sum insured and add-on optional covers, to determine the most affordable car insurance policy.​

Third-Party Car Insurance Premium for Standard Cars

Third-Party Car Insurance Premium for Electric Cars

Inclusions and Exclusions of Reliance Car Insurance in Noida

● Inclusions

• Covers damages to third-party property, injuries to individuals and death
• Covers expenses for repair and replacement of parts due to accidents
• Covers theft and damages caused due to theft of car parts
• Covers damages incurred due to natural calamities, such as earthquakes, floods, hurricanes, etc.
• Covers damages due to man-made calamities, such as strikes, vandalism and terrorism
• Covers damages due to fire explosions
• Covers damages incurred due to animal attacks
• Covers damages caused due to transit through road, rail, air or waterways
• Provides a personal accident cover of up to ₹15 lakhs for the owner-driver

● Exclusions

• Depreciation of your car and its parts due to regular wear and tear
• Damages due to mechanical failures or breakdowns (electrical and mechanical)
• Illegal driving in restricted areas or races
• Reckless or negligent driving
• Driving without carrying valid documents, such as Motor Vehicle Insurance and Driving Licence
• Pre-existing damages
• Driving outside the geographical boundaries
• Damages incurred due to a war

Add-On Covers​ for Reliance Car Insurance in Noida

• Pay-As-You-Drive - Coverage and premium can be adjusted based on your usage during a year.
• Nil Depreciation - Covers expenses accounting for the depreciation of your car during claim settlement.
• NCB Retention Cover - Retains the No-Claim Bonus even after making a claim for up to two claims.
• 24x7 Roadside Assistance - Offers roadside assistance services, such as fuel delivery, towing services, repairing flat tyres, etc.
• Total Cover - Compensates for the on-road price of your car, including registration charges and road tax.
• Return-to-Invoice Cover - Compensates for the total invoice amount in the case of a total loss.
• Tyre Protection Cover - This Covers the repair and replacement costs of your car's tyres in the event of damage due to an accident
• Engine Protection Cover - This Covers the cost of damages incurred to your engine or engine's parts
• Key Replacement Cover - This covers the expenses of replacing your lost or stolen car keys.
• EMI Protection Cover - If your repair takes longer than 21 days, you get financial assistance to pay your loans up to a specified amount.
• Daily Allowance Benefit - Offers a daily allowance to cover expenses for alternate transport for a specific number of days if the repair takes a longer period.
• Loss of Personal Belongings - Covers the cost of personal belongings, including laptops, mobile phones, etc., if they're stolen from your car.
• Emergency Hotel Accommodation - In case of a car breakdown 200 km away from your residence, it covers hotel accommodation.
• Consumables Expenses - Covers the expenses of replacing consumables such as screws, oil, bolts, water, etc., after an accident.
• Geo Extension - Covers damage to your car when you drive your car beyond India's geographical boundaries.
• RIM Protection - Covers repair expenses incurred to your car's rims.
• Electrical Accessories - Covers damages incurred to electrical systems, such as audio and navigation systems
• Non-Electrical Accessories - Covers damages incurred to non-electrical accessories, such as your car's seats and alloy wheels.

In addition, we offer exclusive add-ons for electric cars that suit their usage requirements, such as electric vehicle battery protection, electric motor protection, etc.​

How to Buy and Renew Car Insurance in Noida?

How to Buy Car Insurance in Noida?

• Step 1: Open our Reliance Car Insurance Online page to buy online car insurance in Noida.
• Step 2: Enter the required details: your car's registration number, email ID and mobile number, and click on "View Prices".
• Step 3: Review the details of your car displayed on the screen and choose the car insurance plan.
• Step 4: Include add-ons if necessary and click on "Buy Now".
• Step 5: Pay the applicable premium, and you will receive an e-copy of your car insurance policy almost instantly.

How to Renew Car Insurance in Noida?

• Step 1: Open our Reliance Car Insurance Online page.
• Step 2: Under the "Renewal Tab", click on "Renew Car Insurance".
• Step 3: Enter your car insurance policy number or mobile number to proceed.
• Step 4: Check your existing car insurance policy coverage and make the necessary modifications.
• Step 5: Pay the applicable premium, and you will receive an e-copy of your renewed car insurance policy almost instantly.

Documents Required to Renew or Buy Car Insurance in Noida

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

How to Choose the Best Car Insurance in Noida?

Factors Affecting Premiums for Car Insurance in Noida

• Age and Car Specifications : Your car's age and specifications, such as the make, model and engine's cubic capacity, affect your car insurance premium.
• Insured Declared Value (IDV) : IDV is your car's current market value, accounting for the applicable depreciation. It is the maximum insurance benefit you can receive for total loss. The higher the IDV, the higher the premium.
• Location : The premium for Noida car insurance is also based on the location. If you live in an accident-prone zone, the premium can be higher.
• Type of Car Insurance Policy : The choice of car insurance plan, whether third-party, own-damage or comprehensive car insurance, significantly affects your premium.
• Optional Add-Ons : Add-ons help in enhancing the coverage of your car insurance policy. However, it is available at an additional premium.

How do you File a Claim for Noida Car Insurance?

Step-by-Step Process to File Cashless Claims

1. Start by initiating the cashless claim for car insurance in Noida by contacting us within 24 hours. You can reach out to us in any of the following ways:
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. Locate a garage from our network of garages in Noida and take your car there for the cashless claims.
3. Our surveyor will visit the garage and inspect the damages. It will be initiated within 48 hours of claim initiation.
4. We will review the surveyor's report and proceed with the claim process. If it is approved, the garage will start the repair work.
5. Once the repair work is complete, we will settle the bills directly with the garage.

*Note that you have to pay for the uninsured parts, deductibles or depreciation out of your pocket. It will not be included in the claim settlement.

Step-by-Step Process to File Reimbursement Claims

1. Initiate the claim by informing us about the incident using any of the options provided above.
2. Ensure that you collect the supporting evidence for the accident, including photos and videos.
3. Take your car to any authorised garage in Noida to get it repaired.
4. After getting your car repaired, pay the bills and collect the bills and payment receipts.
5. Fill out the claim form and submit it along with the gathered supporting documents.

*Note that for reimbursement claims, you must pay the repair bills upfront and get them reimbursed later.

You can also track the status of your car insurance claim online by providing your claim or policy number.

Documents Required for Car Insurance Claim Process

• Car Insurance Policy document
• Copy of your car's registration certificate
• Copy of your driving licence
• Name of garage with contact details
• First Information Report (FIR) in case of an accident (in case of a claim for third-party liabilities or theft)
• Forms 28, 29 and 30 duly signed by the insured in case of admission of liability
• No Objection Certificate (NOC) of the financer

Here is a complete list of car insurance claim documents for your reference.

Cashless Garages for Noida Car Insurance

A cashless garage refers to a garage where you can get your car repaired for any damages and we will settle the bills directly with the garage owner. It means you don't have to pay for the expenses upfront, except for any uncovered expenses and deductibles.

• Why Should You Opt for Cashless Garages?

  It reduces the stress of paying out from out of your pocket when you are not prepared and extends a hassle-free experience.

• How to Locate a Cashless Garage?

  You can use our Garage Locator online to find a cashless garage nearest to your location.

Third-Party vs Comprehensive Car Insurance in Noida

Traffic Do's and Don'ts in Noida

Do's

• Always ensure you and your co-passengers wear a seatbelt while driving a car.
• Obey the traffic rules and regulations.
• Carry the important documents, such as the Registration Certificate, Motor Vehicle Insurance and Driving Licence.
• Use indicators while switching between lanes and taking a U-turn.
• Always drive slowly during winter in Noida.

Don'ts

• Avoid overspeeding, especially when you are driving on a highway.
• Avoid driving on the wrong side of the road.
• Avoid using a mobile phone, smoking and consuming alcohol while driving.
• Do not jump red signals.
• Do not park in no-parking zones.
• Avoid travelling long distances or for unnecessary reasons during winter.

Frequently Asked Questions about Car Insurance in Noida

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

   Go through these simple steps to purchase second-hand Noida car insurance:

   1. Gather the required documents, such as the car's RC transfer, form 29 and form 30.
   2. Contact us for the inspection of your car from our expert team.
   3. Purchase car insurance online using the steps described above.

2. Which type of car insurance is best in Noida?

   The best type of car insurance in Noida will depend on your specific requirements. For example, you need to consider your usage, location, potential risks, car specifications and your driving history to determine the right car insurance policy for your car.

3. What is the cheapest form of car insurance in Noida?

   Third-party car insurance is considered the most basic and affordable car insurance policy. However, it does not cover the damage to your own car. When you purchase a comprehensive car insurance policy, you can ensure coverage for third-party damages and your own car's damages.