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 customized to cover a car from unforeseen incidents, like road accidents and third party liabilities, leading to a financial burden.

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Cashless garages8200

Plans starting @₹ 2094

Claim settlement ratio

Claim settlement ratio 98%

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

About Reliance General Insurance Company

Reliance General Insurance Company is wholly owned by Reliance Capital, which is a subsidiary of the Reliance Group. With over 139 offices and about 28,900+ intermediaries spread all over the country, the Reliance General Insurance Company aims at providing 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 customizing the motor insurance plans, thereby, ensuring complete customer satisfaction and working towards safeguarding policyholders interests.

Key Features of Reliance Car Insurance

Features Coverage and Benefits
Third-Party Coverage Yes
Incurred claim ratio 76.89%
Personal Accident Insurance Up to 15 Lakhs
Network Garages 4779
No Claim Bonus Yes

Benefits of Reliance Car Insurance

Reliance car insurance plans offer the below-mentioned features and benefits:

  • 24*7 on the road assistance is available
  • Claims are settled across their 4000+ network garages across the country
  • The insurance company also offers the facility of a No Claim Bonus (NCB).
  • Free towing facility available in the event of a breakdown or accident
  • The company enjoys a claim settlement ratio of 94% (2019-20)

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.

1.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.

2.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.

3.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.

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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 customize 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
  • 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 License: Damages to the insured car when the driver was not carrying a valid driving license
  • 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

By paying an additional amount of premium, a policyholder can opt for additional add-on covers in the base car plan to enhance the coverage on the vehicle. The various add-on covers available under the Reliance car insurance plan are as follows:

  • NCB Retention Cover

    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 filter, bearings, washers, etc.

  • Engine Cover

    This 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

    This Reliance car insurance 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.

  • Key Protect Cover

    This add-on cover provides compensation for the repairing or replacing of the insured car’s keys if they have been lost, stolen or broken in the event of theft.

  • Daily Allowance Benefit

    Under this add-on cover, the insurer will pay the car owner with a daily allowance if the insured car is under repairs in a network garage.

  • Return to Invoice

    : 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.

Explore add-ons for your car insurance

Plans starting from @ ₹2,094/year*
Car Insurance
Zero Depreciation Car Insurance
Car Insurance
Compulsory Personal Accident Cover
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Bumper to Bumper Insurance
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No Claim Bonus (NCB) in Car Insurance
Car Insurance
Bundled Policy
Car Insurance
Roadside Assistance Cover
Car Insurance
Return To Invoice
Car Insurance
Multi-Year Car Insurance
Car Insurance
Engine Protection Cover
Car Insurance
Personal Possessions Cover
Car Insurance
Voluntary Deductible in Car Insurance
Car Insurance
Key Replacement Cover
Car Insurance
Daily Allowance Cover
Car Insurance
Tyre Protector Cover
Car Insurance
Rim Damage Cover
Car Insurance
Car Accessories Cover

How to File a Claim Under Reliance Car Insurance?

To file a claim under Reliance car insurance, follow the steps mentioned below:

  • Inform the Insurer: Inform the insurance company about the incident immediately to register a claim
  • Inspection of Damages: A surveyor will be sent by the insurance company for damages inspection.
  • 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.
  • 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 license.
  • Copy of Registration certificate
  • Copy of car insurance papers
  • A copy of the Police FIR.
  • Repair estimates
  • Repair bills

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:

  • Go to the Car Insurance from the Insurance Products dropdown
  • Enter your car number and view renewal quotes
  • Fill in the required details, such as name, email and mobile number
  • Select policy expiry and previous claim details
  • From the given car renewal plans, select the Reliance car insurance renewal plan and the preferred add-ons.
  • Enter the No Claim Bonus discount of your existing car policy
  • Fill in the required details and proceed with premium payment
  • After premium verification, make the payment online via net banking, cards or UPI.
  • After successful completion of payment, your Reliance car insurance renewal will be complete. You will receive your motor policy renewal papers on your email id.

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Average Rating
(Based on 55 Reviews)
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Reliance General Car Insurance Reviews & Ratings
4.8 / 5 (Based on 55 Reviews)
(Showing Newest 10 reviews)
Satish
Mumbai, December 18, 2022
Reliance Car Insurance
My Honda City car got protection against unfortunate events. in case of an accident, my Reliance comprehensive car policy will help me financially. Thanks to an executive of Policybazaar who helped me in finding an affordable deal. The entire team was very cooperative and helpful.
Imran
Muzaffarnagar, December 15, 2021
Faster claim settlement
I contacted Policybazaar to know about the claim settlement and I did not have to wait much for their response. Policybazaar provided me all the details on how can I raise the claim request. with the help of Policybazaar i claimed and got the claim settlement in few days.
Chitaksh
Bhartpur, December 08, 2021
Countless benefits
In my reliance general car insurance policy, i have got countless benefits. I had taken my plan offline but now I manage my policy online and i found it very easy. There is no doubt that PolicyBazaar always recommends the best plan to its customers.
Naresh
Bandipur, November 26, 2021
Easy to compare
I went through different plans on the website of policybazaar and at last I opted Reliance General Car Insurance. Before taking any decision I have compared various plans and selected the plan as per the benefits I want in my plan.
Sunil
Varanasi, November 23, 2021
Easy to buy
Earlier I used to think that buying a policy is time consuming and a lot of paperwork is required, but when I got my car insured from Policybazaar with Reliance General Plan, I was surprised that it does not take much time. The whole process was quick and it took hardly 15 minutes to choose the plan.
Neelu
Patna, November 02, 2021
Attractive features
Policybazaar has provided me many facilities and benefits. I got all the benefits under Reliance General Car Insurance. the features given in my cat plan are very attractive. Thanks to Policybazaar for helping me find attractive plans.
Suraj
Ratlam, October 26, 2021
Easy renewal
I renewed my car plan in just few clicks. there was no documentation required in renewal process and i went through quite simple and easy process. from getting my reliance general car insurance to renewal process everything was so smooth.
Pramod
Dehradun, October 07, 2021
Good features
I had to get my car insured and for that I visited many insurance providers companies but I did not find what I was looking for, then my search ended up on policybazaar where I found Reliance General Car Insurance in which i got the features I was looking for.
Tejas
Kochi, September 08, 2021
Good plan
In my reliance car insurance, company is providing me many features like anytime assistance on the road. they have huge number of network garages across the country. in case of an accident, i will get cashless repairing. thanks to Policybazaar for giving me such good plan.
Jitesh
Davanagere, September 07, 2021
Attractive features
I have got attractive features in my car insurance policy which i have taken from the Policybazaar. i am impressed that i have got so many features at low premium rate. i would love to recommend it to others.