Reliance Car Insurance

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Reliance Car Insurance
  • 8200 Cashless garages

  • 98% Claim settlement ratio

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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.

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      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 191 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.

      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.

      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.

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      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.

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      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.

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      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.

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      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.

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      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.

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      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.

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      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.

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      View more Add-ons

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
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      Car Accessories Cover

      How to Renew Reliance Car Insurance?

      To renew a Reliance car insurance policy, car owners can visit 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:


      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 licence
      • Copy of Registration certificate
      • Copy of car insurance papers
      • A copy of the Police FIR
      • Repair estimates
      • Repair bills

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      Reliance Car Insurance FAQs

      View more FAQ’s

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      Average Rating
      (Based on 59 Reviews)
       Why buy from policybazaar
      Claim Assurance Program

      Reliance Car Insurance Reviews & Ratings

      4.8 / 5 (Based on 59 Reviews)
      (Showing Newest 10 reviews)
      Nagpur, March 06, 2024
      Financial help
      My friend suggested me to insure my Tata Hexa car from policy bazaar. I explore car plan and I saw many plans out of which I opted for reliance general comprehensive car insurance and got complete protection for my car.
      Jaipur, February 27, 2024
      Wonderful experience
      By taking Reliance comprehensive car plan for my Alto car I have reduced my financial stress as it provided complete protection for my car. I took my plan online from Policybazaar and it saved me money as I did not have to pay agent fees. It was a wonderful experience with Policybazaar.
      Mumbai, February 05, 2024
      Excellent customer service
      Policybazaar provides such quick response. All my doubts were cleared by the team regarding Reliance third party car insurance for my 2018 Maruti Suzuki Ciaz. I have got excellent customer service from the beginning to the end of the process.
      Chennai, January 23, 2024
      Great Product Purchase
      I recently purchased Reliance car insurance for my Tata Nexon car, and the experience was outstanding. The coverage I got was a comprehensive one, and the customer support team was really helpful in guiding me through the purchase process. After I got transferred to Chennai, which is a flood-prone area, I wanted to renew my existing policy with a plan that could offer me Engine protection & zero dep cover so that I could get covered in case my engine got damaged. But wherever I saw the cost of these add-ons exceeded my budget. The car insurance premium comparison on Policybazaar helped me find a budget-worthy plan along with these add-ons. Moreover, I also got Roadside Assistance, Key and Lock cover and a Personal Baggage cover for free as well. This comparison feature is what sets them apart from others, and I loved using it to choose an insurer that suited my budget and offered me what I needed, plus a few bonus add-ons.
      Mumbai, December 13, 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.
      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.
      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.
      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.
      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.
      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.

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      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *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.

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