Reliance General Car Insurance

No Claim Bonus
Get No Claim Bonus up to 50%
Cashless Claim
Get Cashless claims at 2700+ garages
Road side assistance
Road side assistance
Get road side assistance
Depreciation cover
Depreciation Cover
100% repayment at the time of claim settlement
Road side assistance
Road Side Assistance
Don’t have to worry if you get stuck on road
Consumables Cover
Get cover for consumables like oil, nuts, bolts etc.
Ncb protector
NCB Protector
Bonus is retained even after you make a claim
Engine Protection
Must have cover for area prone to heavy rains
Key replacement
Key Replacement
Cover includes cost of making duplicate key and cost of lock

Part of Reliance Anil Dhirubhai Ambani Group, Reliance General Insurance is the first company in India to work with a license from IRDA. A leading general insurance company, Reliance has a market share of over 8% in the private sector.

Loss Or Damage To The Vehicle Insured

Loss or damage to your vehicle caused by any one of the following events

  • Accident by external means
  • Burglary, House Breaking Theft
  • Fire, Explosion, Self Ignition, Lightning
  • Terrorism, Riots, Strikes, Malicious Acts
  • Transit by road, rail, inland waterways, air or lift
  • Earthquake, Flood, Storm, Landslide or Rockslide

Liability to third parties

The online car insurance policy would also cover your legal liability arising out of an Injury / Death of a third party and Property damage of a third party incase of an accident involving your vehicle.

Personal Accident Cover

The car insurance policy also provides for a mandatory Personal Accident Cover for Owner Driver for an amount of Rs. 2 Lacs covering Accidental Death and Permanent Total Disability. It also covers the named and unnamed passengers upto the seating capacity of the vehicle and paid driver.


Normal wear and tear.


Depreciation of the car is not covered.

Electrical and mechanical failure

General Electrical and mechanical failure of vehicle parts.

Alcohol or drugs

Claims arises due to driving a vehicle under influence of alcohol and drugs.

No valid license

Claims arises due to driving vehicle without valid driving license.

Usage of Vehicle for other purposes

If you use Vehicle for other purposes. Ex: If the private vehicle is used as Taxi.

Nuclear risks

Claims arises due to nuclear risks.

Reliance General IDV Depriciation Structure

Age of CarDepriciation Percentage
Up to 6 Months5%
6 Months - 1 year15%
1 - 2 Years20%
2 - 3 Years30%
3 - 4 Years40%
4 - 5 Years50%

How to make a claim?

  • Register your claim by calling Reliance Toll free Helpline no. 1800 3009 as soon as the claim occurs.

  • Take your vehicle to any of our authorized network garages for repair. Submit the require documents to the surveyor.

  • Company confirms liability.

  • If you opt for cashless facility, get your vehicle repaired by company-authorised garages. Reliance will settle the repair bills directly with the garage up to the amount payable.
  • In case you do not opt for cashless facility, you have to pay for the repair charges. You can then submit the bills and claim form to the surveyor/company for settlement.
  • Vehicle Delivery.

Reliance General Car Insurance FAQs

  • What are the benefits of buying car insurance online?

    The online advantage enables you to buy the policy through web instantly, save time and save money. You can get a free quote, calculate your car insurance premium and buy with the same quote within seven days. You can enjoy hassle free buying without any paperwork. You can buy Reliance General private car insurance policy online using credit card, debit card or net banking.

  • What are the discounts allowed under Reliance General car insurance?

    The discounts that can be allowed under the Private Car policies are Voluntary Deductible discount and No Claim Bonus. Furthermore, you could avail additional discounts on your online car insurance premium, if you have ARAI approved anti-theft device Voluntary deductible

  • How do I know which add-on is required for me?

    We provide you with customized recommendations based on your vehicle age, vehicle type, No-claims-bonus history etc.In addition, quick online research is not only quite easy and simple but will also provide you of a fairly good idea of what add-ons can be beneficial to you.

  • What is a premium?

    Premium is the fixed amount of sum paid for a policy period by the insured to the insurance company for the benefits or covers availed to take insurance policy and to complete the contract of insurance. For buying and renewal of car insurance online you can pay with credit card or net banking.

  • What is No Claim Bonus (NCB)?

    No Claim Bonus (NCB) is a discount on premium of the own damage (OD) portion of your vehicle when you renew your policy, provided you have not made any claim during the last policy period of one year. The NCB can be accumulated up to a maximum limit of 50% on own damage premium for private cars. You can transfer the full benefits of NCB, even when you shift your car insurance to Reliance General from any other Insurance company.

  • Is my No Claim Bonus (NCB) transferable?

    Yes, in case you are changing from any other insurance company to Reliance General GIC Ltd. and have accrued some NCB from them, you can get the same transferred in case your car is insured within 90 days of your renewal due date.

  • What is Depreciation Cover?

    It is a cover wherein the company shall pay the depreciation amount deducted on the value of the parts replaced for up to 2 admissible claims during the policy period.

  • What is Roadside Assistance Cover?

    Roadside Assistance Cover provides you services in the event of breakdown of your vehicle. You might require road assistance to tackle problems such as a flat tyre, a dead battery or keys getting locked inside your car.

  • Is there any separate process of claims with add-on covers?

    No there is no separate process, you shall be covered or reimbursed automatically in accordance with the add-ons you have opted for.