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Buying car insurance online is no longer just a legal compliance. It serves a greater purpose and is a smart financial decision that protects you against unforeseen expenses incurred due to road accidents, theft, damages or third-party liabilities.
In addition to financial protection, a car insurance policy can benefit you in several other ways as well. Let us understand why you must buy car insurance and how it adds value.
There are various types of car insurance plans available in India that suit various needs and offer coverage accordingly. Depending on your budget and coverage needs, one of the following types of car insurance benefits will be most suitable for you. Let us understand each one in detail and know who it is beneficial for.
Third-party car insurance is the most basic type of car insurance and is legally required as per the India Motor Vehicle Act of 1989. It covers the damages caused to any third-party property, vehicle or person by your vehicle.
The coverage under this policy is limited and does not cover own damage. Third-party car insurance is also the most affordable type of car policy we offer.
Ideal for: This car insurance benefits those with budget constraints or who are looking to fulfil only the legal obligations for their old car.
Own-damage car insurance provides coverage for damages incurred to your vehicle due to perils such as natural disasters, theft, fire, road accidents, etc. This insurance type covers the repair and replacement costs of your vehicle caused by insured perils.
It does not cover third-party liabilities, but it can be bought alongside a third-party car insurance policy. We also offer add-ons like Nil Depreciation and Engine Protection under our Own Damage car insurance cover at Reliance General Insurance to boost coverage.
Ideal for: It is best suited for those who already have third-party insurance and are seeking additional coverage for their vehicle.
Comprehensive car insurance covers your vehicle against own damage and third-party damages. It offers the most extensive coverage among the types of car insurance policies.
You get coverage against a wide range of potential risks, such as theft, vandalism, natural disasters and road accidents.
You also get access to a range of add-ons that enhance the protection, such as nil depreciation, key protect, NCB retention cover, etc., with Reliance comprehensive car insurance.
Ideal for: This car insurance benefits new car owners, luxury car owners and those seeking overall protection.
One of the most important advantages of car insurance is fulfilling the legal mandate and attaining coverage against third-party liabilities. For instance, if your vehicle causes injury to a third party on a busy road, your third-party insurance will cover the legal and financial obligations toward them.
Road accidents can be stressful, especially when covering substantial repair costs during critical times. Your car insurance will provide coverage for damages caused to your vehicle due to accidents. This reduces your financial burden and allows you to carry out repair work on time.
Natural disasters are unpredictable and can cause severe damage to your vehicle, resulting in potentially huge financial losses. Your car insurance policy will cover damages caused by such calamities, including riots and vandalism and help you repair your vehicle without worry.
Car theft is, unfortunately, a common occurrence in India. It is a major concern among car owners as it leads to significant financial loss. However, if you buy car insurance, it can protect against financial loss caused by the loss of a car or damage incurred due to theft.
Our comprehensive car insurance comes with a personal accident cover of ₹15 lakhs. This cover gives you financial protection in case of injury, disability or death resulting from a car accident.
The cover is mandated and comes bundled under our comprehensive plan, mitigating the need for you to buy it separately.
Along with the extensive coverage, the benefits of car insurance include being able to enhance your coverage by choosing from a variety of add-ons.
Some popular add-ons we offer include:
This add-on cover ensures that you receive the entire insured amount at the time of claiming your insurance without the deduction of depreciation costs. This is particularly beneficial for you if you are a new car owner or own a luxury car.
With this add-on, you can customise the car insurance premium payment based on your vehicle usage. This is a great feature if you do not use your vehicle frequently, as it gives you the advantage of paying a reduced premium.
This add-on cover protects the damages incurred specifically to the engine of the insured car. It covers the repair costs of the engine or its parts due to water ingression, gearbox damage, leakage of lubricating oil, etc.
A no-claim bonus (NCB) is one of the best car insurance benefits, and it is a reward for policyholders who do not make any claims during a policy year. We offer an NCB discount on your premiums starting at 20% (for 1 claim-free year) and up to 50% (for 5 or more consecutive claim-free years).
You can pair this discount with our NCB protection cover and ensure you’re still able to file claims for major losses without fear of losing your NCB discount.
Many insurance companies offer additional discounts on premiums for taking security measures, such as installing anti-theft devices or joining automobile associations.
We have a wide network of 10,000+ garages across India where you can claim cashless repair services. You can get your car repaired with zero hassles, reducing your financial burden and speeding up the repair process.
Advantages of car insurance does not just limit to providing financial protection and fulfilling legal requirements, but also adds value to your car. When you have a comprehensive policy with add-ons like nil depreciation, it indicates to the potential buyer that the car is well-maintained and is in the best condition.
One of the major benefits of car insurance is the convenience of online claims. At Reliance General Insurance, we offer a streamlined claims process and boast a 100%* Claim Settlement Ratio (CSR) for FY 2023 - 24. You can file your claims online anytime, anywhere.
Aligning with the Supreme Court of India’s decision to make it mandatory for new car owners to have long-term insurance, we now offer long-term insurance of three years. This saves the trouble of renewing your car insurance every year, along with potential cost savings.
Traditionally, buying a car insurance policy requires you to travel to the branch to complete the formalities. On the other hand, buying car insurance online from us saves time and effort, and you can buy car insurance from the comfort of your home.
Before buying any car insurance plan, you can conveniently compare various options available on our website. This helps you choose the best plan that fits your budget and coverage requirements.
Our car insurance online buying process involves minimal to zero paperwork. You only need to fill out the required forms digitally and upload the supporting documents online. After completing the buying process, you receive the policy documents over email, eliminating the need to immerse yourself in heavy paperwork.
Since our entire process is completed online, the buying process can be completed within a few minutes. On the other hand, if you choose to buy a policy offline, you can look for the nearest branch or insurance agent and submit the form, which takes a longer time.
To choose the best plan for yourself, consider the following factors before you buy car insurance:
Car insurance is a vital investment that protects your car from various risks and damages. It provides financial protection against various third-party liabilities and eases the repair process.
Depending on your coverage and budget requirements, you can choose any type of car insurance policy from Reliance General Insurance. Our variety of add-on options allows you to further enhance your coverage and claim all of the car insurance benefits listed above.
With a transparent process and customisation options, you can buy the best policy with us and drive with peace of mind.
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According to the Motor Vehicle Act of 1989, every car owner is legally required to have a third-party insurance policy. A car insurance policy provides financial security against several risks, making it a vital investment.
The purpose of your car insurance policy is to offer financial security in critical times, such as in a road accident, natural calamity, theft, etc. Claiming your car insurance will help you manage the expenses incurred due to such perils, making it easy to manage the loss.
Choosing the best car insurance depends primarily on your budget and coverage needs. If you have bought a new car, comprehensive coverage with wider coverage can be an ideal choice.
However, if you are looking to complete your legal duty, third-party car insurance can suffice your requirements. Thus, consider the factors mentioned above and choose the right plan accordingly.
Third-party insurance has the lowest premium costs compared with the other two types, as the coverage is also limited. The IRDAI sets the premium rates based on the vehicle's engine capacity, which is the same as that of every insurance provider.
According to the Supreme Court of India, all cars purchased after 1st September 2019 are required to have 3-year car insurance. This was ruled to ensure that more cars were insured and received assistance in case of accidents.
Disclaimer: *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. 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;
Premium: The premium mentioned for car Insurance is excluding taxes for the private car model Maruti Suzuki Alto 800 with cubic capacity of less than 1000 cc for a 1 year Own Damage Insurance policy for an IDV of ₹2,34,728. Premium used is 2,853/year as on 1 March 2023 and then converted into a per month basis, which gives us ₹238/month (2,853/12).
Network Garages: The number of garages mentioned is the total of all the garages empanelled across the country for different vehicle categories.
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.
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