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Owning a Rolls Royce is a mark of luxury and prestige. At Reliance General Insurance, we understand the unique needs of Rolls Royce owners. Our tailored insurance solutions ensure your prized possession receives the protection it deserves.
Whether you drive a Phantom, Ghost or Cullinan, our comprehensive coverage safeguards your investment. With competitive Rolls Royce insurance prices and expert support, we make insuring your luxury vehicle a seamless experience. Trust Reliance to keep your Rolls Royce protected on every journey.
100%Claims Settlement*
11,000+ Network Garages*
5 Crore+Happy Customers*
₹238/monthStarting Premiums*
Owning a Rolls Royce comes with responsibilities, including adhering to legal requirements. In India, having at least third-party insurance for your vehicle is mandatory. By choosing Reliance General Insurance for your Rolls Royce, you ensure compliance with these laws, avoiding potential legal issues and penalties.
Your Rolls Royce is more than just a car; it's a significant investment. The Rolls Royce insurance cost is a fraction of what you might face in case of accidents, theft, or damage. Our comprehensive coverage protects you from substantial financial losses.
Whether it's a minor scratch or a major collision, your Rolls Royce car insurance from Reliance ensures you're not burdened with hefty repair bills.
Driving a luxury vehicle like a Rolls Royce should be a pleasurable experience. With Reliance General Insurance, you can enjoy every journey knowing you're fully protected. Our 24/7 customer support, cashless claim settlements and extensive network of garages ensure that any unfortunate incidents are handled swiftly and efficiently.
This peace of mind is priceless, allowing you to focus on the joy of owning and driving your Rolls Royce without worrying about potential risks on the road.
At Reliance General Insurance, we offer a range of features and benefits tailored for Rolls Royce owners, ensuring your luxury vehicle receives the premium protection it deserves.
We've revolutionised the process of purchasing and claiming Rolls Royce insurance to match the effortless experience of driving these magnificent vehicles. Our state-of-the-art online platform allows you to get a quote, buy, or renew your Rolls Royce phantom insurance cost in just a few clicks.
When it comes to claims, our streamlined system ensures swift processing, minimising any inconvenience. Whether you're insuring a brand-new Rolls Royce or seeking Rolls Royce Cullinan insurance for your SUV, our hassle-free process has you covered.
Your Rolls Royce is more than just a car; it's a valuable asset that appreciates over time. Our Insured Declared Value (IDV) customisation feature allows you to set the right value for your vehicle, ensuring your Rolls Royce insurance price accurately reflects your car's worth.
This flexibility is particularly beneficial for limited edition models or those with custom modifications, guaranteeing that your Rolls Royce auto insurance provides adequate coverage.
Your safety is the most important thing to us and our Rolls Royce car insurance covers more than just your car. Our policies include a robust personal accident cover for the owner-driver, providing an additional layer of security every time you take your Rolls Royce for a drive.
This coverage extends to all models, ensuring consistent protection whether you're cruising in a Ghost or commanding the road in a Cullinan.
Our comprehensive Rolls Royce insurance protects third-party obligations in the case of an accident. This saves you financially in case you hurt someone or damage other people's cars or property. Given the high value of Rolls Royce vehicles, this coverage is crucial in mitigating potentially significant financial risks.
Luxury doesn't adhere to a 9-to-5 schedule and neither do we. Our round-the-clock customer support ensures you have assistance whenever you need it. Whether you have queries about your Rolls Royce ghost insurance cost at midnight or need emergency roadside assistance during a dawn drive, our dedicated team is always ready to assist you.
We believe in rewarding safe driving, especially when it comes to luxury vehicles like Rolls Royce. Enjoy substantial discounts on your Rolls Royce insurance price through our No-Claim Bonus feature. This bonus increases with each claim-free year, potentially leading to significant savings on your premium.
At Reliance General Insurance, we pride ourselves on our high claim settlement ratio. When you choose us for your Rolls Royce insurance, you're opting for reliability and swift claim resolutions. We process and handle claims fast to get you back behind the wheel of your Rolls Royce as soon as possible.
Embracing cutting-edge technology, we offer video-based claim settlements for your Rolls Royce. This innovative feature allows for quicker assessment and processing of claims, which is especially beneficial for minor damages to your vehicle.
We recognise that many Rolls Royce owners use their vehicles sparingly. Our Pay As You Drive insurance option offers coverage based on your actual usage, potentially reducing your Rolls Royce insurance cost.
This feature is particularly beneficial for collectors or those who reserve their Rolls Royce for special occasions, ensuring you don't pay for coverage you don't use.
Customise your Rolls Royce auto insurance policy with our wide range of add-ons. From zero depreciation cover to engine protection, we offer various options to enhance your coverage. You can customise your coverage with these add-ons to safeguard your luxury car.
At Reliance General Insurance, we offer two primary types of Rolls Royce car insurance plans:
Third-Party Liability Insurance
This mandatory coverage protects against third-party damages or injuries caused by your Rolls Royce. While it's the minimum required by law, we recommend more comprehensive options for luxury vehicles.
Comprehensive Car Insurance
Our most popular plan for Rolls Royce owners, covering third-party liabilities and damages to your own vehicle. This all-encompassing Rolls Royce insurance safeguards against accidents, theft and natural disasters.
Pay As You Drive Insurance
Ideal for occasional drivers, this plan bases your Rolls Royce insurance cost on actual usage. Perfect for collectors or those who use their Phantom, Ghost, or Cullinan sparingly.
Own Damage Car Insurance
This plan focuses solely on protecting your Rolls Royce against damages, excluding third-party liabilities. It's a cost-effective option to supplement existing third-party coverage.
Reliance General Insurance offers convenient options to purchase Rolls Royce car insurance, catering to your preferences. Whether you're tech-savvy or prefer personal interaction, we've got you covered.
Visit the Reliance General Insurance website
Select 'Car Insurance'
Enter your Rolls Royce model details and required coverage
Get an instant quote for Rolls Royce insurance cost
Make the payment and receive your policy document via email
Locate your nearest Reliance General Insurance branch with our locator tool
Visit the branch with your Rolls Royce documentation
Discuss your coverage needs with our insurance expert
Receive a customised quote for your Rolls Royce model
Complete the paperwork and make the payment to secure your policy
Visit our website and click on "Renew Policy"
Select your existing Rolls Royce policy
Review and update your coverage if needed
Check the Rolls Royce insurance price for renewal
Make the payment and instantly receive your renewed policy document
Gather all documentation of the second-hand Rolls Royce
Visit the Reliance General Insurance website or a branch office
Provide details of the car, including its history and current condition
Our experts will assess the vehicle and offer a tailored insurance quote
Choose your preferred coverage, make the payment and receive your policy
Remember, insuring a second-hand Rolls Royce might have different costs compared to a new model. Our team ensures you get the right coverage at competitive rates.
Full protection against accidental damage to your Rolls Royce
Theft coverage for your prestigious vehicle
Fire damage protection, including for electrical fires
Comprehensive coverage against natural calamities (floods, earthquakes, storms)
Enhanced personal accident coverage for the owner-driver (up to ₹50 lakhs)
Third-party liabilities (injury, death, property damage)
24/7 premium roadside assistance with trained luxury car specialists
Coverage for custom modifications and bespoke features
General wear and tear of your Rolls Royce
Mechanical or electrical breakdowns not resulting from an accident
Damage under the influence of alcohol or drugs
Depreciation of parts (unless you opt for our zero depreciation cover)
Consequential losses
Damage to tyres and tubes
Any damage incurred when your Rolls Royce is used outside the geographical area specified in the policy
Damage due to war, terrorism, or nuclear risks
At Reliance, we offer an exclusive suite of add-ons to complement your Rolls Royce insurance, ensuring your prestigious vehicle receives the protection it deserves. Whether you own a Phantom, Ghost, or Cullinan, these 18 add-ons can be tailored to your specific needs:
Nil/Zero Depreciation Cover: Ensures full claim payouts without factoring in depreciation, preserving the value of your Rolls Royce's exquisite components.
Engine Protection: Protects your Rolls Royce's powerful engine against water ingress and lubricant leakage damages.
Roadside Assistance: Offers round-the-clock, white-glove roadside service befitting your Rolls Royce's status.
No Claim Bonus Protection: Preserves your earned No Claim Bonus even after filing up to two claims, rewarding your careful stewardship.
Return to Invoice: Guarantees reimbursement of your Rolls Royce's full invoice price in case of total loss or theft.
Luxury Consumables Cover: Covers high-end oils, lubricants and other premium consumables used in your Rolls Royce.
Key Replacement: This covers the cost of replacing your Rolls Royce's sophisticated keys and key fobs.
Personal Belongings Protection: Extends coverage to valuable personal items often carried in your Rolls Royce.
Daily Allowance: Provides fixed sum for hiring professional driver service while your Rolls Royce undergoes repairs.
Pay As You Drive Insurance: Tailor's premiums to your Rolls Royce's actual usage patterns.
Total Loss Protection: Guarantees full on-road price reimbursement for your Rolls Royce in cases of severe damage or total loss.
Loan Protection Cover: Covers your car loan EMIs during extended repair periods of your Rolls Royce.
Rim Protection: Specifically protects against damage to your Rolls Royce's premium alloy wheels.
Tyre Protection: Comprehensive coverage for your Rolls Royce's high-performance tyres.
Geo Extension: Expand your policy to cover international driving, matching your Rolls Royce's world-class status.
Electrical Accessories Cover: Protects custom or aftermarket electrical systems in your Rolls Royce.
Non-Electrical Accessories Cover: Insures bespoke aesthetic modifications to your Rolls Royce, such as custom paint or luxury upgrades.
Hotel Accommodation Coverage: Reimburses hotel stays when breakdowns occur far from home.
For the groundbreaking all-electric Rolls Royce Spectre, we offer specialised coverage. This add-on protects unique EV components such as the high-capacity battery, electric motors and home charging equipment.
Contact immediately through our 24/7 helpline +91 22 48903009, Car Insurance Claim page or on the Reliance Self-i App.
Transported to an authorised service centre.
Present your Rolls Royce insurance policy and driving licence at the service centre.
Our insurance surveyor will assess the damage.
Once approved, repairs begin using genuine Rolls Royce parts.
Collect your meticulously restored Rolls Royce after settling any applicable deductibles.
Inform us about the incident.
Take your Rolls Royce to an authorised service centre of your choice.
Collect all repair documentation, including itemised bills.
Submit the claim form along with the required documents to our claims team.
After verification, we'll swiftly reimburse the approved amount to your preferred account.
Our Rolls Royce insurance claim process is designed to be as effortless and refined as your vehicle, whether you're claiming for a Ghost, Phantom, or Cullinan.
To ensure a seamless Rolls Royce insurance claim process, please have these documents ready:
Completed Reliance luxury car claim form
Copy of your Rolls Royce insurance policy
Valid driving licence copy
Rolls Royce registration certificate
Police report (for theft or third-party incidents)
Original repair invoices and receipts (for reimbursement claims)
Detailed photographs of your damaged Rolls Royce
Any additional documents requested by our specialised Rolls Royce claims team
Having these documents prepared can significantly expedite your claim, whether it's for a Rolls Royce Cullinan insurance claim or any other model. At Reliance, we strive to process your claim as swiftly as your Rolls Royce accelerates.
Aspect
Cashless Claims
Reimbursement Claims
Upfront Payment
No upfront payment required (except deductibles)
You pay repair costs upfront
Settlement
Direct settlement between insurer and garage
You claim reimbursement later
Garage Choice
Limited to network garages
Any authorised garage
Processing Time
Faster processing
May take longer to process
Suitability for Repairs
Easier for expensive repairs
Useful for minor repairs
The specific model of your Rolls Royce plays a crucial role in determining the premium. For instance, a Rolls Royce Phantom insurance cost might be significantly higher than that of a Ghost, primarily due to its higher value and more advanced specifications.
The level of coverage you choose for your Rolls Royce auto insurance will substantially impact the premium. Opting for comprehensive coverage, which is highly recommended for such valuable vehicles, will cost more than basic third-party insurance.
The IDV represents the present market value of your Rolls Royce and is a critical factor in premium calculation. A higher IDV invariably leads to a higher premium. For Rolls Royce vehicles, which retain their value well, the IDV remains substantial even after several years of ownership.
Where you live and where you typically park your Rolls Royce can significantly affect your insurance premium. Insurance prices may go up in places where car theft or accidents are more likely to happen.
In this case, if you live in a big city with lots of traffic and a lot of crime, your price might be higher than someone who parks their Rolls-Royce in a quieter, less dangerous area.
Your personal claim history plays a significant role in determining your premium. If you've made claims in the past, especially for high-value repairs on a Rolls Royce Cullinan or Rolls Royce Ghost, your premium might be higher in subsequent years.
At Reliance General Insurance, we've simplified the process of calculating your Rolls Royce car insurance premium with our premium calculator:
Specify your model (Phantom, Ghost, Cullinan, etc.) and any bespoke features.
We'll assess your Rolls Royce's current market value, considering its premium status.
Select your coverage.
Opt for add-ons like bespoke parts coverage or concierge services.
Our specialists will calculate your premium using our proprietary algorithm.
For the most accurate Rolls Royce auto insurance quote, whether it's for a Rolls Royce Phantom insurance cost or a Rolls Royce Ghost insurance cost, we recommend a consultation with our luxury car insurance team. They'll ensure your cherished Rolls Royce receives the premium protection it deserves.
Legally, your Rolls Royce must have third-party insurance at least. The premium is set by the IRDAI and is the same across all insurers.
Engine Capacity
Premium for One Year (in ₹)
Up to 1000 cc
2,094
Above 1000 cc up to 1500 cc
3,416
Above 1500 cc
7,897
Battery Capacity
Up to 30 kW
1,780
Above 30 kW to 65 kW
2,904
Above 65 kW
6,712
Rolls Royce, founded by Charles Rolls and Henry Royce, has long been synonymous with luxury and excellence in automotive engineering. The premium car leader has retained its prominence for almost a century. Known for handcrafted vehicles and meticulous attention to detail, Rolls Royce has created a legacy that significantly influences its car insurance costs.
Each Rolls Royce represents not just a mode of transportation, but a work of art and an engineering marvel, factors that play into the Rolls Royce Phantom insurance cost and premiums for other models.
The current Rolls Royce lineup includes several iconic models, each catering to different aspects of luxury motoring. The Phantom, the flagship model, epitomises luxury and comfort, setting the standard for high-end automobiles.
Its status as the ultimate luxury car is reflected in the Rolls Royce Phantom insurance cost. The Ghost, a more driver-focused model, strikes a balance between performance and luxury, often resulting in a slightly lower Rolls Royce Ghost insurance cost compared to the Phantom.
Each Rolls Royce can be extensively personalised to the owner's tastes, from unique paint colours to custom interior trims. This level of customisation not only makes each Rolls Royce unique but also impacts Rolls Royce auto insurance premiums due to the specific nature of each vehicle.
The craftsmanship that goes into each Rolls Royce is unparalleled, with interiors and exteriors meticulously handcrafted using only the finest materials.
Craftsmen work for hours to make sure that every part of the car meets Rolls-Royce's high standards, from the stitching on the leather seats to the finish on the wood panels. This attention to detail and quality contributes to the high value of these vehicles.
Rolls Royce doesn't just rely on traditional luxury; it also incorporates cutting-edge technology into its vehicles. Advanced infotainment systems and driver assistance features are seamlessly integrated into the classic Rolls Royce aesthetic.
Another hallmark of Rolls Royce vehicles is their incredibly silent cabins. The company goes to great lengths to ensure a peaceful ride, using advanced sound insulation techniques. This quest for silence is so thorough that Rolls Royce even designs its powertrains to operate as quietly as possible.
Iconic design elements are another crucial aspect of the Rolls Royce brand. The Spirit of Ecstasy hood ornament and the signature Pantheon grille are instantly recognisable symbols of luxury and prestige. The distinctiveness of these features not only adds to the car's aesthetic appeal but also to its overall worth.
Model
Engine
Transmission
Ex-showroom Price (Delhi)
Phantom VIII
6.75L V12 Twin-Turbo
8-speed automatic
₹9.50 Crore
Ghost
₹6.95 Crore
Cullinan
Wraith
6.6L V12 Twin-Turbo
₹5.25 Crore
Dawn
₹5.92 Crore
*Prices may vary. They don't include additional customisation options, which can significantly increase the final cost. All Rolls Royce models come with extensive customisation possibilities, potentially affecting both the price and insurance costs.
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Rolls Royce insurance from Reliance covers your premium car. We cover accidental damage, theft, fire, natural disasters and third-party liabilities. Our Rolls Royce automobile insurance protects your Phantom, Ghost, or Cullinan.
Reliance offers various discounts on Rolls Royce insurance. Our No-Claim Bonus program rewards safe driving with substantial reductions on your Rolls Royce insurance cost. We also provide preferential rates for vehicles equipped with anti-theft devices and for membership in recognised automobile associations.
Yes, Reliance facilitates the transfer of your Rolls Royce auto insurance when selling your vehicle. Contact our customer service with details of the new owner and we will guide you through the transfer process, ensuring continuous coverage for the luxury automobile.
The Rolls Royce insurance price varies based on several factors, including the specific model and customisations. While premiums are higher due to the vehicle's luxury status, Reliance offers competitive rates. Contact us for a personalised quote for your Phantom, Ghost, or Cullinan.
Factors influencing Rolls Royce insurance cost include the model (e.g., Phantom vs Ghost), Insured Declared Value (IDV), coverage level, geographical location, claim history and bespoke features. Reliance considers these elements to provide tailored premiums for your Rolls Royce Cullinan insurance or other models.
*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.
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.
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.
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).
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