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. 

  • An end-to-end 'Private car insurance policy.'
  • Policies/plans cover you against risks/perils like theft, damage to the car due to an accident and third party liabilities. 
  • Optional personal accident cover lets you opt for an arrangement that covers accidents anywhere in the world irrespective of who is driving the car.
  • Various add-on covers for improved protection. 
  • Attractive discounts of up to 60% and savings of up to 70%. 
  • Incurred claim ratio: Over 90%.
  • Instant renewal without paperwork. 


Reliance car insurance serves millions across India through its 3,700+ strong cashless garage networkand 24x7 roadside assistance​. 

Features & Advantages: Reliance General Car Insurance

  • Coverage against financial liabilities arising out of bodily damages, injuries or death caused to a third party/property.
  • Broad coverage against injury caused to the insured/co-passenger and damages to your car due to risks such as collisions, fire or theft.
  • Personal accident cover of 15 lakh rupees.
  • Customized add-ons like 'NCB protection' and 'Personal accident cover.'
  • Round the clock roadside assistance.
  • Towing facility in case of a breakdown/accident.
  • Duplicate key replacement.
  • No-claim bonus retention and option for a voluntary deductible.
  • Quick claim settlement.
  • Hassle-free reliance general car insurance renewal/purchase online by filling-in essential details and comparing plans.

Reliance Car Insurance Policies

  • Third-Party or Liability Policy: Protection against legal liabilities to third parties caused when you are at fault. Covers for expenses incurred as a result of damages to a third party vehicle, third party property and injuries caused to other people in an accident.
  • Comprehensive Damage Policy​: Provides extensive protection to your car in addition to covering third-party liabilities. Covers own-damages/losses to the insured car due to accident, fire, lightning, self-ignition, explosion, theft, riots/strikes, malicious or terrorist acts, earthquake, cyclone, flood and inundation transit by rail/road/air/elevator.
  • Additional Covers one can choose for: Electrical/electronic/non-electrical accessories, bio-fuel kits (LPG/CNG), legal liability to the employee, paid driver, cleaner/conductor, racing/speed tests, dexterity trials and hill climb extensions.

Reliance Car Insurance Online: Add-On Covers

1] Motor Secure Plus Cover:

  • Nil Depreciation Cover: Covers private cars (maximum of two claims in one car insurance policy period). Compensates for your car’s depreciating value (bear no losses occurred due to depreciation on all parts-excluding tyres/tubes). Claim for the insured car is settled in case of partial loss (only if repaired by/at the authorised dealer/workshop). 
  • Consumables Cover​​: All expenses on consumables (like nuts, bolts, screws, grease, lubricants, clips, bearings, engine oil, oil/fuel filter, brake oil) are covered when they get damaged due to perils covered in your insurance policy. A maximum of two claims can be made in one car insurance policy period. 
  • Engine Protector Cover: Provides compensation for expenses incurred while repairing indirect damages caused due to water ingression or leakage of lubricating oil resulting in loss/damage to engine/differential​/gear parts. 

2] Motor Secure Premium Cover:

  • Key Protect Cover​: Covers expenses you incur for repairing or replacing car keys, locks and lockset. Available for a maximum of two claims during your car insurance policy period. A first-information-report (FIR) with the police is required for claims resulting from burglary/theft.

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.

  • Nil Depreciation Cover
  • Engine Cover
  • Consumables Cover

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 the insurance company's authorized 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

  • General wear-tear of your car is not covered.
  • Using a private car for remuneration purpose.
  • Mechanical/electrical breakdowns.
  • Damages to or by an individual driving without a valid driving license are not covered.
  • Losses/damages caused while driving under the influence of alcohol/other intoxicating substance.
  • Losses/damages due to depreciation.
  • Loss/damage due to war/nuclear risks.
  • Only the original damage is covered and not the consequential ones (in case the original damage causes subsequent losses).
  • Compulsory deductibles.
  • Depreciation cover- not applicable to theft and total loss claims.

Reliance General Insurance Policy: Discounts

  • Voluntary Discounts: Offered when you choose to pay the minimum amount at the time of claim.
  • No-claim Discount of 20% on the premium of the second year if zero claims are made throughout the year. Up to 50% for consecutive claims-free years. 
  • A Discount for Installing approved anti-theft devices in your car.
  • Other Discounts for holding a membership with recognised automobile associations in India.

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 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

                                                       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, is calculated by adjusting the current manufacturer-listed selling price with depreciation percentage ranging from 10% 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, and 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.

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