Reliance motor insurance policy provides optimum protection against most damages or risks that your car may be subjected to. It takes care of financial losses that may arise due to accidents and other unfortunate occurrences. A comprehensive policy not only compensates the third person/third-party property but also covers injuries you sustain and damages your car faces without hurting your pocket.
Reliance car insurance serves millions across India through its 3,700+ strong cashless garage networkand 24x7 roadside assistance.
Features & Advantages: Reliance General Car Insurance
Reliance Car Insurance Policies
Reliance Car Insurance Online: Add-On Covers
1] Motor Secure Plus Cover:
2] Motor Secure Premium Cover:
The loss/damage to the keys/lock/lockset must be reported within 7 days. Replacement is allowed only for broken or damaged keys. The complete set (key, lock and lockset) will be replaced in case of theft or misplacement of key(s) subject to handing over other keys(s) to the insurance company.
3] Personal Accident Cover: Compensation in case of death/permanent disabilities due to an accident involving the insured car. CPA (compulsory personal accident cover–owner/driver) for 1 year covers the insured for all the vehicles owned.
SA limit is minimum of 15 lakh rupees. Insured can opt-out if other PA cover covers death/permanent disability up to a minimum 15 lakh rupees or is covered with other CPA under car insurance for other vehicles owned by him.
4] No-Claim Bonus Retention Cover: Ensures your hard-earned bonus stays protected even if you make an insurance claim. Protects NCB discounts in case the insured makes an own-damage claim. It is applicable for 1 OD claim, and the amount should not be higher than 25% of the IDV (as mentioned in the policy).
5] Daily Allowance Benefit: Compensates for your daily commute when your car is in the insurer's authorised network garage for over 3 days for repairs. 2 claims are applicable.
6] EMI Protection:Up to 3 EMIs of your insured car are covered when it stays in insurance company's authorised network garage for 30+ days for repairs. The payment is directly made to the concerned financial institution. Applicable for partial claims only.
Some Exclusions of Reliance Four Wheeler Insurance
Reliance General Insurance Policy: Discounts
Reliance Car Insurance Premium
Your car insurance premium is based on car's manufacturer/model, cubic capacity (cc), age, IDV, no-claim bonus, tax, add-on covers, discounts, the purpose of the vehicle and safety features.
Some of the common ways to save on premium include knowing the IDV (a lower IDV often leads to a lower premium), claiming the no-claim bonus and increasing the voluntary deductible (the higher your voluntary deductible, the lesser will be the premium).
Car owners or prospective buyers can choose the right insurance by exploring all available policies and plans through online insurance comparison portals such as www.Quickinsure.com. Such user-friendly platforms, with the help of few clicks, help you make informed choices, compare quotations, premium amount, simplify and speed up the process of buying suitable car insurance.
Reliance Car Insurance Renewal & Application
One can apply for/renew a car insurance policy by viewing and comparing quotes online through insurance comparison services such as www.Quickinsure.com.
Reliance Car Insurance Review
Reliance car insurance is offered by 'Reliance General Insurance Company Limited', the leading insurance service provider in India. The private car policy meant for cars for personal use is valued across the country for its reliability, unmatchable benefits, facilities and fair prices.
Reliance Car Insurance: FAQs
Q: What risks does the Reliance car insurance policy cover?
Covers damages/losses to your car due to accidents, theft, riots, strikes, malicious acts, terrorist activities, other natural or human-made calamities, third-party property and policyholder against mishaps. Also covers liability for the third-party in case of injury/death and provides a variety of add-ons.
Q: What is IDV, and how do you calculate it?
Insured declared value, the present market value of your car, calculated by adjusting the current manufacturer-listed selling price with depreciation percentage ranging from 5% to 50% depending on the age of your car.
Q: Is my no-claim bonus transferable if I wish to change my insurance provider?
Yes, while changing your insurance provider at the time of renewal, you may also transfer the NCB discount.
Q: I have purchased some car accessories, can I get them insured in the middle of my car insurance policy term?
Yes, you can, through a written request and sharing accessories' details. You may need to pay an extra premium.
Q: What will happen to my car insurance when I change my job or place?
Your insurance policy will remain mostly unaffected; however, the premium might change depending on the city.
Q: What will happen to my insurance when I sell my car?
You may transfer your existing car insurance policy to the new owner or cancel the policy. Please note, the policy can be cancelled only when the insurer receives a copy of the new insurance policy bought by the new owner.
Q: What documents do I need to buy car insurance online?
None, however, you must share your car registration number, engine number, chassis number, previous car policy number (optional), car manufacturing date, date/city of car purchase, your contact details and should have the car's RC book.
Q: How do I register my claim?
Toll-free: 1800 3009 or register your claim online by downloading the form from Reliance General Insurance Website.
Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.