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Reliance Car Insurance
Reliance car insurance is offered by Reliance General Insurance Company, which is one of the leading insurance service providers in India. The plan is customised to cover a car from unforeseen incidents, like road accidents and third-party liabilities, relieving a policyholder of a financial burden.
About Reliance General Insurance Company
Reliance General Insurance Company is wholly owned by Reliance Capital, which is a subsidiary of the Reliance Group. With 127 offices and about 90,000+ intermediaries spread all over the country, the Reliance General Insurance Company aims to provide world-class service to all its customers.
The company offers all types of insurance products, including car insurance, at affordable pricing. Besides, it offers the option of customising the motor insurance plans, thereby ensuring complete customer satisfaction and working towards safeguarding policyholders' interests.
The insurance company ensures that all the range of misfortune events are well covered under its car insurance plans.
Key Features of Reliance Car Insurance
| Features | Coverage and Benefits |
| Third-Party Coverage | Yes |
| Claim Settlement Ratio | 98% |
| Personal Accident Insurance | Up to Rs. 15 Lakh |
| Network Garages | 8,200 |
| No Claim Bonus | Yes |
| No. of Zero Dep Claims | Unlimited |
| No. of Comprehensive Claims | Unlimited |
Benefits of Reliance Car Insurance
Reliance car insurance plans offer the below-mentioned features and benefits:
- 24*7 on the road assistance is available in case the car breaks down in between the road
- The claim settlement ratio of Reliance car insurance is 98.6%.
- Availability of Selfi App to help you locate the nearest cashless network garage
- The insurance company also offers the facility of a No Claim Bonus (NCB) reward.
- Free towing facility available in the event of a breakdown or accident
Types of Reliance Car Insurance Policy
Reliance General Insurance Company offers car insurance under three categories, namely, third-party insurance, own damages insurance and comprehensive insurance.
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Reliance Third Party Liability Insurance
Third party insurance, as mandated by the law, is an insurance plan which covers any kind of bodily damage, injury or death caused to a third party or his/her property. It excludes covering damages sustained by the insured car.
The coverage offered under a third-party liability plan is unlimited for third party injury and death. However, for third-party property damage, the compensation is limited to Rs. 7.5 lakh.
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Reliance Car Own Damage Insurance
An own damage insurance policy offers coverage against damages sustained by the insured car due to unforeseen events like accidents, theft, fire, manmade disasters, etc. This policy does not cover third-party liabilities and, thus, can be purchased additionally with the liability-only policy.
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Reliance Comprehensive Car Insurance
A comprehensive motor insurance policy provides coverage against any damages caused to the insured vehicle due to events like accidents, theft, fire, earthquakes, riots, etc. This four-wheeler policy also covers third-party injuries, death or damages to the property of a third party.
Furthermore, the coverage of a comprehensive car insurance policy can also be enhanced by purchasing additional covers for the insured car on payment of a higher premium amount.
Reliance Car Insurance Premium Calculator
By using Car Insurance Premium Calculator, a car owner can calculate the premium of the car insurance policy before purchasing it. It not only helps to know the premium beforehand but also helps to customise the policy so that it does not overshoot the budget.
Coverage Under Reliance Car Insurance
- Natural Calamities: Damages to the insured car due to natural calamities like earthquakes, hurricanes, landslides, etc.
- Fire: Damages or losses due to fire, lightning, etc.
- Manmade Acts: Damages sustained by the insured vehicle due to manmade calamities like strikes, riots, terrorism, etc.
- Burglary: Any loss or damage caused to the insured car due to housebreaking, theft or burglary
- In-transit Damages: Damages to the insured car while it is in transit via rail, road, waterways or elevator.
- Third Party Liabilities: Damages sustained by the third party, such as third-party injury, death or property damage due to an accident by the insured car
- Accidents: Any loss or damages sustained by the car during an accident or collision
- Wear and Tear: Damages to the insured car due to regular wear & tear and general ageing
- Breakdown: Damages sustained by the insured car due to mechanical or electrical breakdown
- Drunk Driving: Any damage to the insured car when the driver was driving under the influence of alcohol
- Invalid Licence: Damages to the insured car when the driver was not carrying a valid driving licence
- War: Damages due to war or nuclear attack
- Outside Geographical Location: Any damage sustained by the insured car outside the geographical area as specified in the car policy
- Other Uses: Damages sustained by a private car being used for commercial purposes
Reliance Car Insurance: Add-ons
NCB Retention Cover
As soon as a policyholder makes a claim, his/her NCB nullifies and becomes zero.
An NCB Retention add-on cover enables the policyholder to retain his/her NCB even after he has made a claim during the policy tenure.
Consumables Cover
If the car suffers damage due to any of the causes mentioned in the plan, the company will cover the expense of consumables required to be replenished or replaced during the repairs carried out on the damaged vehicle.
The consumables covered under the plan include engine oil, gearbox oil, fuel filters, bearings, washers, etc.
Pay as You Drive Cover
A pay as you drive cover by Reliance General Insurance Company offers a discount on own damage premium based on the kilometres driven by the car in a year.
Car owners can select an annual driving limit while choosing the plan. They also need to upload odometer readings at the time of policy booking. If a policyholder is about to exceed the selected limit, he/she can top-up the limit at an additional cost.
Damages to the insured car can only be claimed up to the selected Km limit.
Engine Cover
The engine protection add-on cover provides coverage against expenses incurred towards fixing any damage caused to engine parts, differential parts or gearbox parts due to water ingression or leakage of lubricating oil.
However, the claim has to be made within 7 days of the damage caused.
Nil Depreciation Cover
Nil depreciation cover provides protection against the reduction in the value of the vehicle owing to the depreciation of the vehicle.
No deductions are done on the car's parts, except tyres and tubes.
Daily Allowance Benefit
Under the daily allowance add-on cover, the insurer will pay the car owner a daily allowance if the insured car is under repairs in a network garage.
The car should be in the network garage for 3 or more than 3 days.
EMI Protection Cover
In case the insured car is being repaired in the network garage for more than 21 days, then the insurer will pay for the EMI under this add-on.
This add-on is only applicable for 3 EMIs.
Return to Invoice Cover
Under this cover, the policyholder will receive the full amount equal to the final invoice value of the insured car if the vehicle has suffered a total loss.
Return to invoice add-on cover the difference between the IDV and the market price of the car at the time of loss.
How to Renew Reliance Car Insurance?
To renew a Reliance car insurance policy, car owners can visit Policybazaar.com and follow the steps mentioned below:
Step 1: Select the “Car Insurance” tab from the website’s homepage
Step 2: Enter your car number and view renewal quotes
Step 3: Fill in the required details, such as name, email and mobile number
Step 4: Select policy expiry and previous claim details
Step 5: From the given car renewal plans, select the Reliance car insurance renewal plan and the preferred add-ons.
Step 6: Enter the No Claim Bonus discount received on your existing car policy
Step 7: Fill in the required details and proceed with premium payment
Step 8: After premium verification, make the payment online via net banking, cards or UPI.
Step 9: After the successful completion of payment, your Reliance car insurance renewal will be complete. You will receive your motor policy renewal papers on your email id.
How to File a Claim Under Reliance Car Insurance?
To file a claim under Reliance car insurance, follow the steps mentioned below:
1
Inform the Insurer:
Inform the insurance company about the incident immediately to register a claim
2
Inspection of Damages:
A surveyor will be sent by the insurance company for damages inspection.
3
Documents Submission:
For the claim to be processed, you will be required to submit certain documents to the surveyor. Make sure to keep these documents handy with you.
4
Claim Settlement:
In the case of cashless claims, the insurance company will settle the claim by paying the claim amount directly to the network garage. But if the repairs have been done in a non-network garage, you will have to pay the garage bill and raise a reimbursement claim post which the claim amount will be reimbursed to you.
Documents Required to Raise a Claim Under Reliance Car Insurance
To raise a claim under Reliance car insurance, the policyholder will be required to have the following documents:
- Duly signed claim form
- A copy of a valid driving licence
- Copy of Registration certificate
- Copy of car insurance papers
- A copy of the Police FIR
- Repair estimates
- Repair bills
Car Insurance for Popular Brands in India
Reliance Car Insurance FAQs
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Q1: How to pay Reliance car insurance premium? What are the modes of payment available?
Ans: You can pay Reliance General car insurance premium online through Policybazaar.com.
For online payments, the policyholder can pay via:- Credit Card
- Debit Card
- Net Banking
- UPI
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Q2: How can I check our Reliance car insurance policy status?
Ans: You can check your Reliance car policy status online from the insurer’s official website or by logging into Policybazaar.com.
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Q3: Can I renew my Reliance car insurance online?
Ans: Yes, You can renew your Reliance car insurance policy online on Policybazaar.com.
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Q4: What is the company’s process to settle the claim for Reliance car insurance?
Ans: To settle a car insurance claim, you can intimate the Reliance General Insurance Company by filling out a form online and uploading relevant documents. Upon successful acceptance, the claim is settled within a week.
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Q5: What is the policy cancellation process for Reliance car insurance?
Ans: To cancel your Reliance vehicle insurance policy, submit the policy documents with the surrender form at the nearest branch of the insurer. Upon successful proceeding, the refund is deposited directly into your bank account, and the policy stands cancelled.
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Q6: How can I get a Reliance policy download online?
Ans: You can download a softcopy of your Reliance car insurance policy from the insurer’s official website or by logging into your Policybazaar account.
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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.
##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.