Car Insurance in Surat

Surat, the vibrant diamond city of India, is now witnessing a growing population. The rise in the city's population has also led to an increasing number of vehicles on the roads.

The roads are often jam-packed with bustling traffic, leading to a higher risk of accidents and congestion. In such situations, car insurance in Surat is helpful to secure your car and finances.

You can explore online car insurance in Surat with Reliance General Insurance and protect your vehicle from unforeseen accidents and damages.

Traffic Stats in Surat

Accident Stats for Surat

According to an online report, from 2022 to 2023, Surat has witnessed a significant increase in on-road fatalities. Surat's rural area has an increase of over 7.4% in accidents and fatalities, whereas Surat's city has witnessed a rise of approximately 5.47%.

Thus, Surat car insurance is crucial to help with the unexpected mental and financial burden of these situations, both for yourself and your family.

Traffic Stats for Surat

As of October 2024, Surat has over 32.5k registered motor vehicles on the streets. This high vehicle density indicates Surat's increasing growth. However, it also poses a significant threat to current road safety.

Thus, to secure your car and finances from emergencies, Surat car insurance is a must.

Why Should You Buy Car Insurance in Surat?

Also Read - ​Why Car Insurance Is Necessary?

Reliance Car Insurance Plans in Surat

Also Read - How to Choose the Right Car Insurance?

Key Features and Benefits of Reliance Car Insurance in Surat

Price for Reliance Car Insurance in Surat

Premium for Reliance Car Insurance in Surat

If you want to buy car insurance in Surat and are wondering how to determine the premium amount, use our online car insurance premium calculator.

• Step 1 - Open the calculator and add your details, including the car registration number, your mobile number and an email address.
• Step 2 - Once done, click on View Prices and select a car insurance policy from the options displayed on the screen.
• Step 3 - Modify the chosen plan with add-ons and get the estimated premium quotation instantly.

Price for Third-Party Car Insurance in Surat for Private Cars

Price for Third-Party Car Insurance in Surat for Electric Cars

Inclusions and Exclusions of Reliance Car Insurance Policy in Surat

Inclusions

• Damages or injuries incurred by a third party, their property or vehicle.
• Damages to the insured car that are caused by an accident.
• Damages to the insured car due to natural disasters, such as earthquakes, cyclones, floods, etc.
• Damages to the insured car due to man-made disasters, such as vandalism, theft, strokes, terrorism, etc.
• Expenses incurred by the insured car for repair and maintenance after an accident.
• Damages to the insured car that are caused by fire-related explosions.
• Accident cover of up to ₹15 lakhs for the vehicle owner/driver.
• Damages to the insured car because of animal attacks.
• Damage to the insured vehicle during transit via air, road, water, and rail.

Exclusions

• Damages due to negligent driving.
• Damages due to an accident after speed racing.
• Normal wear and tear of the insured car.
• Driving around prohibited areas or outside the permitted geographical area.
• Damages due to drinking and driving.
• Any pre-existing car damages incurred before policy purchase.
• Damages due to war or nuclear attacks.
• Damages due to accidents caused while not carrying the mandatory vehicle documents.

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

• Pay-As-You-Drive - Tailor your premium and coverage according to the number of kilometres you drive in a policy year.
• Nil Depreciation - Get the claim amount without any deduction for depreciation, ensuring higher claim settlements.
• NCB Retention Cover - Your No-Claim Bonus will remain intact even after you make up to two claims during the policy period.
• Total Cover - You will be reimbursed for the entire on-road cost of your car, including road tax and registration charges.
• Return-to-Invoice Cover - In case of a total loss, you can claim the full invoice value of your vehicle as compensation.
• Consumables Expenses - This covers the cost of essential consumables like engine oil, nuts, bolts, grease, and similar items.
• 24/7 Roadside Assistance - Avail emergency roadside support services such as towing, flat tyre repair, and more, any time of the day.
• Engine Protection Cover - Ensure financial protection for damages caused to your car's engine due to unforeseen incidents.
• Tyre Protection Cover - Get coverage for expenses related to the repair or replacement of your vehicle's tyres.
• Key Replacement Cover - Recover the costs of replacing your car keys if they are lost or stolen.
• EMI Protection Cover - Receive financial assistance to cover your EMIs if repairs take more than 21 days.
• Daily Allowance Benefit - Get a daily allowance to manage transportation costs if your car repair process is prolonged.
• Emergency Hotel Accommodation - If your car breaks down 200 km or more from your home, you can be reimbursed for hotel expenses.
• Loss of Personal Belongings - Cover the loss or theft of your personal belongings, such as a laptop, mobile phone, and more.
• Electrical Accessories - Protect your car's electrical components, such as audio systems and navigation devices, against repair or replacement costs.
• Non-Electrical Accessories - Get coverage for non-electrical additions to your car, such as alloy wheels or custom upholstery.
• RIM Protection - Cover expenses for the repair or replacement of damaged rims.
• Geo Extension - Extend your coverage to include accidental damages occurring beyond Indian borders.
• Exclusive Add-Ons for Electric Cars - Get specialised options, such as electric motor protection and battery protection, designed specifically for electric vehicles.

How to Buy and Renew Reliance Car Insurance in Surat

Steps to Buy Reliance Car Insurance Surat Online

• Step 1 - Visit the official website of Reliance General Insurance.
• Step 2 - Select Explore Products > Click on Car Insurance.
• Step 3 - On the next page, add your vehicle details and click on View Prices.
• Step 4 - Choose a plan from the list of options on the next page, read the plan details and modify it with add-ons as required.
• Step 5 - A premium quote will be displayed on the screen. If satisfactory, make the payment to buy car insurance in Surat.

Steps to Renew Car Insurance in Surat Online

• Step 1 - Visit our website > Renewal > Car Insurance Renewal.
• Step 2 - Enter either your mobile number or car insurance policy number in the space provided.
• Step 3 - Once done, accept the terms and conditions and select Go.
• Step 4 - Your existing plan will open on the screen. Modify the policy by changing the sum insured if necessary and removing or combining add-ons.
• Step 5 - An updated premium will appear on the screen. If satisfactory, pay the premium to renew your Surat car insurance.

Documents Required for Buying or Renewing Our Plans

• A clear copy of your car's registration certificate.
• A copy of your permanent driving licence.
• 2-3 clear passport-size photographs.
• Proof of Address - Aadhaar card, rental agreement, utility bills, etc.
• Proof of Income - salary​ slips, bank account statements, ITR forms, etc.
• Proof of Identity - Aadhaar card, passport, PAN card, etc.
  
  Also Read -

• Renew your Car Policy on Time to Save Unnecessary Expenses
• Expired Car Insurance Renewal
• Importance of Grace Period on Renewal in Car Insurance

How to Choose the Best Car Insurance in Surat?

Also Read -​Buy The Best Car Insurance Plan - Quick Tips

Factors Affecting Car Insurance Premiums in Surat

• Age of the Car - The age of the car directly impacts the Surat car insurance premium. Newer cars attract a higher premium due to their higher market value, whereas older cars, due to depreciation, enjoy lower premiums.
• Make and Model of the Car - High-end car models have a higher premium due to the higher repair costs and risk of theft, whereas standard car models have lower premiums.
• Insured Declared Value (IDV) - IDV refers to the current value of your car in the market, and your claim amount is determined based on your car's IDV. Thus, the higher the IDV, the higher the premium, and vice versa.
• Location - The car insurance premium may vary depending on the area of residence. For instance, the premiums for Surat areas with a higher risk of accidents will be higher than those for areas with lower risk.
• Add-Ons - The type and number of add-ons you combine with your base car insurance policy also affect the premium. Thus, you must choose carefully to avoid a higher premium for unnecessary add-ons.
• Type of Policy - Based on the type of car insurance plan you choose, the premiums can be higher or lower. For instance, a third-party car insurance policy has lower premiums, but it does not protect your car. On the other hand, a comprehensive car insurance policy has a higher premium in exchange for higher car protection.
• Car's Engine Capacity - The IRDAI determines the car insurance premiums for third-party policies based on the vehicle's engine capacity. Thus, the higher the engine capacity, the higher the premium and vice versa.
• Driving History - Your driving history also impacts the final premium quote. A good record showcases responsible driving, increasing the chances of lower premiums and vice versa.
• Age and Gender - Young boys with limited driving experience attract a higher premium than older women with ample driving experience. This is because of the varying risk profiles of the ages and genders.
• Mode of Purchase - The premiums charged for online car insurance in Surat are slightly lower than those for offline insurance. This is because the online process is transparent, and there are no overhead or other supporting expenses associated with policy purchases.

How to File a Reliance Car Insurance Claim in Surat?

Steps to File Cashless Claims

• Step 1 - Inform us regarding the claim by calling +91-22-4890-3009 or downloading our Reliance Self-i App on your phone.
• Step 2 - Find a cashless garage near you and take your car there for repair work.
• Step 3 - We will send a surveyor to inspect the damages incurred by your car, and a detailed report for the same will be shared with us.
• Step 4 - We will evaluate the report and, based on the damages and your policy terms, send the approval to the garage to begin work.
• Step 5 - Once the repair work is completed, we will settle your repair bills directly with the garage. However, you must pay all payments towards uninsured repair work and deductibles.

Steps to File a Reimbursement Claim

• Step 1 - Inform us regarding the claim by calling +91-22-4890-3009 or downloading our Reliance Self-i App on your phone.
• Step 2 - Take photo and video proof of all the damages incurred by your car before taking it to a garage of your choice.
• Step 3 - Once at the garage, complete the required repair work, make the payment, and collect the bills.
• Step 4 - To initiate the claim process, Submit all these documents to us along with a duly filled and signed claim form.
• Step 5 - We will review your claim form and documents, and if approved, the applicable claim amount will be reimbursed to your bank account.

Documents Required for Car Insurance Claim Process

• Original car insurance policy document
• A copy of your permanent driving licence.
• A duly filled and signed claim form.
• A copy of your vehicle registration certificate.
• An FIR from the local police station (for third-party and accident claims).
• Details of the non-network garage (for a reimbursement claim).
• All repair bills and evidence of damages incurred by the car (for a reimbursement claim).

Explore the list of all the necessary car insurance claim documents to file a successful claim.

Also Read -

• Do's And Don'ts When Filing A Car Insurance Claim
• Is There a Car Insurance Claim Time Limit?

Cashless Network Garages for Car Insurance in Surat

Cashless network garages refer to the garages authorised by your chosen insurer. These garages offer quality and quick repair services to get your car running again.

Moreover, you can easily file cashless claims if you get your car fixed at one of these cashless garages within the network, and the insurer settles your bills.

Reliance General Insurance offers a network of over 11,000+ cashless garages, and here is how you can find the nearest one.

• Step 1 - Visit our website and click on Garage Locator from the Self-Help option on the homepage.
• Step 2 - Add your location as Surat to get all the network garages in the city. You can also narrow down the search by adding specific location details.

Third-Party Vs Comprehensive Car Insurance in Surat

Traffic Do's and Don'ts in Surat

Do's

• Always wear a seatbelt.
• Keep all your vehicle documents handy, including your driving licence, insurance policy, fitness certificate, PUC certificate, and RC.
• Maintain proper distance between your car and other vehicles.
• Always follow the traffic lights and other necessary traffic rules.
• Use a car indicator before changing lanes.
• Give way to all emergency vehicles, including ambulances, police, fire trucks, etc.

Don'ts

• Avoid driving too fast under any circumstances.
• Do not drink and drive.
• Avoid parking in random places.
• Do not honk, especially around schools, hospitals, etc.
• Do not use high beams in the city.
• Do not drive in the city with an invalid licence, RC, or insurance policy.

Frequently Asked Questions

• Can I track my Surat car insurance claim status online with Reliance General Insurance?

  Yes, you can easily track your car insurance claim online with Reliance General. All you need to do is go to our Track Motor Claim Status page, add your details, and get an update on your claim request.

• Tips to reduce the premium for my Surat car insurance

  • Maintain a good driving record.
  • Opt for a higher deductible.
  • Install safety devices in your car.
  • Compare different policies.
  • Choose a longer policy tenure, if available.

• Is there a grace period to renew my car insurance in Surat?

  Yes, most insurers typically offer a grace period of 30 days from the date of policy expiration for renewal. This ensures you have some more time to complete renewal without losing coverage.

• What happens if I forget to renew my car insurance?

  If you forget to renew your car insurance policy, you will get an additional grace period of 30 days for renewal. If you still fail to renew, you will face the following consequences -

  • Loss of policy coverage.
  • Challans for driving without a valid car insurance policy.
  • Loss of No Claim Bonus.
  • Higher out-of-pocket expenses in case of an accident or other on-road fatalities with the insured car.

• Why should I buy car insurance in Surat online?

  • Quick and convenient.
  • Lower premiums.
  • Scope for online discounts.
  • Easy to compare different plans.
  • Complete transparency.
  • Instant policy issuance.