Reliance Car Insurance

Reliance car insurance is offered by Reliance General Insurance Co. Ltd, which is one of the leading insurance service providers in India. With over 139 offices and about 12000 intermediaries spread all over the country, this company aims at providing world class service to all its customers. The company offers all types of insurances, be it general or life insurance at affordable pricing. It offers customized insurance plans, thereby ensuring complete customer satisfaction and works towards safeguarding policy holder’s interest.

What is a car insurance plan?

A car insurance plan is a mandatory insurance coverage requirement on all cars so that they can legally ply on the roads of the country. This insurance cover would take care of the financial loss which may arise due to any accident incurred by using the car. While any third person or a third party property would have to be compulsorily compensated under a third party policy which is a legal requirement, you can also cover any injury you sustain or any damage which your car faces by buying a comprehensive package policy. This policy would have a higher premium than a normal third party policy.

Reliance Car Insurance Plan at a Glance

Features Coverage and Benefits
Third Party Coverage: Included
Incurred claim ratio: 91.39%
Personal Accident Insurance: 100% of Capital Sum Insured of 10 Lacs
Network Garages: 4779 network of garages across India
No Claim Bonus Yes

Why Buy Reliance Car Insurance?

The Motor Vehicles Act mandates a valid car insurance cover on your car if you are to drive it on the road.  The plan safeguards the damages caused to the car and also the damages caused by the car to any involved third party.  

Basic Benefits of Purchasing Reliance Car Insurance

  • Anytime assistance on the road is available 24 X 7
  • This insurance company has a turn around time of quickest claim settlement possible.
  • Claims are settled across their 4779 network garages across the country
  • The company offers insurance under two categories, namely, third-party insurance and comprehensive 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 property, whereas, comprehensive insurance plan provides cover against any kind of injury caused to the buyer, or a co-passenger or to the plan buyer’s vehicle.
    • The company also offers the facility of No claim Bonus (NCB). NCB is a discount on premium offered by the company to the plan buyer in cases of claim free years. The discount can be accumulated on a yearly basis starting from 20% in the first year and 25% in the following year, continued in the same manner over the subsequent claim free years.
    • The company issues online insurance plans. However, these plans can be availed only for private vehicles. You can compare Reliance car insurance plans with the plans offered by other insurers online based on its coverage and premiums to buy the best car insurance in India.

Features and benefits of Reliance Car Insurance policy:

Reliance General Insurance Co. Ltd sells different variants of Car insurance plans to customers and each of the plans have some common features and benefits which are discussed as under:

  • Reliance Car Insurance plans are offered for both Private Car and Business Vehicles
  • The insurance plan provides Towing Facility in the event of a breakdown or accident
  • There is also a 24*7 spot assistance in case of breakdowns or accidents
  • A duplicate key replacement cover is also available for both new and existing customers
  • Accident Shield, Consumable expenses and Conveyance Benefit are available as add-on covers under the plan which can be opted for by a customer to enhance the coverage of the car insurance plan.
  • The reliance car insurance plan also offers assistance in the form of arranging a cab or arranging hotel accommodations in cases of breakdowns or accidents.

Scope of coverage under Reliance Car Insurance Policy:

The following emergency situations are covered in Reliance car insurance plan:

  • Natural calamities are covered and all types of fire, lightning, etc. are covered under the same.
  • Even man-made calamities like robbery, burglary, riot, terrorism, etc. are covered in this plan
  • This reliance car insurance policy provides for accidental coverage to the owner-driver as well as the registered driver
  • There is also third-party legal liability coverage as mandated by the law from death and damage which may result in an injury or even death of a person or damage of property etc.
  • Electrical or electronic fittings in the car like fog lights, music system, AC, spoilers with brake lights.
  • Non-electric fittings like mag wheels, seat covers, non-electrical spoilers, etc. as per the own damage rate on the value of the accessories.
  • CNG Kit and Bi-fuel system as endorsed on the RC Book will be covered under the plan at an additional payment of premium.

Add-on covers benefits in Reliance Car Insurance:

By paying an additional amount of premium, a customer can opt for additional Add-on covers in the base plan to enhance the coverage on the vehicle. The following three types of additional covers are available under the Reliance Car Insurance plan :

No Claim Bonus (NCB) retention:

The Reliance General Insurance Co. Ltd also offers NCB retention add on cover which enables the plan buyer to retain his NCB even during years of claim. The buyer has to an additional amount along with premium in order to avail this facility. However, certain things are to be kept in mind before opting for NCB retention add-on cover:

  • The NCB retention should amount to a minimum of 25% of the value of the vehicle.
  • The reliance car insurance policy has to be renewed within 90 days of the expiry of the policy.
  • One approved claim has to be made during the plan period.
  • The total value of the claim payment made should amount to a minimum of 25% of the value of the vehicle.

Personal Accident Bundle Cover:

The Reliance General Insurance Co. Ltd offers personal accident bundle cover, which provides coverage in cases of death or permanent disability of the policyholder in an any part of the world irrespective of the driver of the vehicle. The amount of sum insured differs depending upon the type of physical damage caused to the insured. The list of benefits and the sum insured amount is given below:

  • In cases of death of the policy buyer, the company gives a compensation standing at the rate of 100% of the capital sum insured which is fixed at Rs.10 lakhs.
  • In cases of death and permanent disablement, the company gives a compensation standing at the rate of 100% of the capital sum insured which is fixed at Rs.10 lakhs.
  • In case of loss or physical separation of two limbs and loss of sight for both eyes or loss of one limb and sight of one eye, the company gives a compensation standing at the rate of 100% of the capital sum insured which is fixed at Rs.10 lakhs.
  • In case of loss or physical separation of one limb or loss of sight of one eye, the company gives a compensation standing at the rate of 50% of the capital sum insured which is fixed at Rs.10 lakhs                                                          

Motor Secure Plus Cover:

This add on provides for cover against nil depreciation, Consumables and engine cover.

Nil Depreciation Cover:

This 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. However, certain things have to be kept in mind before opting for this plan:

  • Applicable only on private cars and the no of claims per year cannot exceed more than two.
  • In case of partial loss, settlements against claims will be made only in cases of repairs having made at the networked garages.
  • Compulsory excess and voluntary deductible as applicable will be levied.

Consumables Cover:

If the car suffers damage due to any of the causes that are covered under the scope of the plan, the company will cover the expense of consumables which will be 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, power steering oil, coolant, AC gas oil, brake oil, AC refrigerant, battery electrolyte, fuel filter, bearings, washers, clip, wheel balancing weights and items of similar nature, subject to following conditions:

  • Applicable only on private cars and the no of claims per year cannot exceed more than two.
  • In case of partial loss, settlements against claims will be made only in cases of repairs having made at the networked garages.

Engine Cover:

 This add on plan provides cover 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.

Motor Secure Premium Cover:

This adds on provides for cover against nil depreciation, Consumables, engine cover, and key protect cover.

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. However, certain things have to be kept in mind before opting for this plan:

  • Applicable only on private cars and the no. of claims per year cannot exceed more than two.
  • In case of a partial loss, settlements against claims will be made only in cases of repairs having made at the networked garages.
  • Compulsory excess and voluntary deductible as applicable will be levied.

Consumables Cover:

If the car suffers damage due to any of the causes that are covered under the scope of the plan, the company will cover the expense of consumables which will be 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, power steering oil, coolant, AC gas oil, brake oil, AC refrigerant, battery electrolyte, fuel filter, bearings, washers, clip, wheel balancing weights and items of similar nature, subject to following conditions:

  • Applicable only on private cars, and the no of claims per year cannot exceed more than two.
  • In case of a partial loss, settlements against claims will be made only in cases of repairs having made at the networked garages.

Engine Cover:

This add on plan provides cover 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.

Key Protect Cover – Private Cars:

This plan provides cover against damages caused to the plan buyer’s car while repairing or replacing his car keys or lock. It also includes the locksmith’s charges. Claims can also be made against damages caused due to theft or robbery or any other kind of damage to the key or the lockset. However, the following conditions have to be kept in mind in order to purchase this plan:

  • The no. of claims in the policy period cannot exceed more than two.
  • The buyer must produce a First Information report (FIR) made with the police in order to apply for a claim.
  • The key or the lock set should have the same features as in the lost key or the lock set, against which the claim is being made.
  • The claim has to be made within 7 days of the damage caused.
  • Replacements allowed only in the case of broken or damaged keys.
  • The entire lock or the lockset has to be changed in case of lost or misplaced keys.            

Applying for Reliance Car Insurance Plans

Car insurance plans from Reliance Car insurance can be purchased in a number of ways like:

  • Individuals desirous of availing any plan can call the toll free number of the company and talk with a customer service representative.
  • Request a call back by leaving contact details on the website or IVR
  • Reliance Car Insurance can be purchased Online car insurance by visiting the company’s official website @reliancegeneral[dot]co[dot]in.
  • Last, but not least, the agents can be contacted individually and the policy can be purchased offline.

Reliance Car Insurance- FAQs

Written By: PolicyBazaar
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Average Rating
(Based on 43 Reviews)

Reliance Car Insurance Reviews & Ratings

4.8 / 5 (Based on 43 Reviews)
(Showing Newest 25 reviews)
Nagarjun
Indore, June 09, 2021
No claim bonus
I have recently got my no claim bonus certficate from the insurane company as I didnt filed for any claim last year and thats why I have been given a no claim bonus certificate and it can be beneficial for me and my car. Also, it can give rebate on my premium amount too.
Achintya
Bhopal, June 09, 2021
Renewal assistance
Its been a good time for me when I bought the Reliance general car insurance policy. I got the plan 4 years back and since years I am renewing it on timely basis. It is easy and I can renew it by my own by login into MyAccount. That is so simple.
Purushottam
Nagpur, June 07, 2021
Coverage and benefits
When I talk about coverage and benefits then I will want to say good words about Reliance general car insurance. I purchased this plan 2 years back from Policybazaar. It has best coverage and immense benefits. The plan has been supremely good for me and my car.
Abhayaprada
Thane, June 07, 2021
A good car plan
I have recently bought a reliance general car insurance policy from the website of Policybazaar. I have got the best support from the team and have engaged with a good car insurance plan for my SUV car. I am happy to be a part of this company as they provide customer with better and benefcial car plans. Good work.
Uttam
Lucknow, June 01, 2021
Support from customer care
I have recently bought a reliance general car insurance policy from the website of Policybazaar. I have got the best support from the team and have engaged with a good car insurance plan for my SUV car. I am happy to be a part of this company as they provide customer with better and benefcial car plans. Good work.
Narottam
Kanpur, June 01, 2021
Takes care of financial loss
Its been 3 years that I am prevailing the reliance general car insurance policy for my TATA tiago car. The plan is superb and interesting and it has fulfilled my car insurance needs. I would also love to say thanks to Policybazaar that they assited me every time whenever I needed them. The plan has took care of my financial losses which happened to my car during accidents.
Raushan
R.udayagiri, April 26, 2021
Mandatory to buy
It is important and mandatory to buy a car insurance plan and I bought it via the policybazaar. The plan was of reliance general and it has good set of plans. I loved them all. I am thankful to team to give me best services.
Rajesh
Ichoda, April 23, 2021
Covers for damages
I bought the reliance general car insurance plan from the website of the policybazaar. I bought the plan in the year 2016 and for my car i10. It has given me the coverage for my losses. I can rely on reliance general and policybazaar. I am the customer of both from last 5-6 years. Great work.
Harihar
Padampur, March 17, 2021
Mandatory plan
I have recently bought a reliance general car insurance policy for my Hyundai i20 car. It was done from the policybazaar. I am happy to be a part of policybazaar and really like the plan. It is also mandatory to buy a car plan. Thanks team.
Shivay
Rebenanuagaon, March 05, 2021
Man-made calamities
I had taken the reliance general car insurance plan and it has secured my car from certain man-made calamities such as accidents, theft etc. Great plan I bought it from policybazaar website.
Parvesh
Vadali, March 04, 2021
Choose a best plan
I have got the best car insurance plan from policybazaar and it was the reliance general. I found it quite helpful and amazing. I would definitely recommend this to everyone.
Harihar
Tajapur, March 04, 2021
24*7 assistance given
I got a best assistance from policybazaar and reliance general for my car insurance plan. I can rely on them very easily. Great work team.
Aakash
Tajapur, March 02, 2021
Third party insurance plan
I had taken the third party insurance plan from the policybazaar. It is a nice plan. I had taken the coverage for myself, for my car and for the person who is on the road. It is a safety shield for me and for others. Great plan I have got.
Sujoy
Rebenanuagaon, March 01, 2021
Safeguard life
My reliance general car insurance plan has safeguarded my life and it has given me sense of satisfaction. I bought the plan in the year 2018 and it was best. It has safeguarded my life and my car’s life. Happy customer I am.
Amir
Odagoan, February 25, 2021
No claim bonus
I have got the no claim bonus certificate from the policybazaar. I bought a reliance general car insurance plan for my Hyundai Accent car. It is a best plan and I really love it and I recently got my no claim bonus certificate. It was quick and hassle free.
Gaurang
Fakirsahi, February 23, 2021
Premium reminders
I get the payment reminders on timely basis and that’s why I am able to pay my premiums on time. I am quite glad to be a part of policybazaar as they have given me best car insurance plan. Great work team.
Rutuja
J.n.prasad, February 22, 2021
Reliable company
It’s been 4 years that I am the customer of policybazaar and the company is very much reliable. I took a reliance general car insurance plan from them for my Honda city car. The company has given me an amazing plan.
Avinash
K.c. Pur, February 01, 2021
Roadside Assistance Cover
I bought Reliance car insurance from Policybazaar with emergency roadside assistance cover. I was driving to Mussoorie and my car faced a technical breakdown in the middle of the road. They helped me with towing assistance, and change of flat tyre. Thank you!
Laxman
Rebenanuagaon, January 29, 2021
Quick and hassle-free
I recently got my Reliance car insurance and I got it done from the website of the policybazaar. It is one of the great plans I have bought. It has all such benefits and features available in that plan. The team of policybazaar is good and genuine and helped me a lot. Thanks team.
Nakul
Rebenanuagaon, January 22, 2021
Speedy Claim Settlement for my KWID
I have Reliance car insurance for my KWID. At the time of claim I simply called the policy bazaar team and they helped me process my claim within 48 hours. I am quite happy with their prompt services.
Darshini
Rebenanuagaon, January 21, 2021
Get quotes quickly
I got the car insurance policy quotes quickly and I checked the various plans into the same. All is going good and I like the best quote of reliance car insurance. A great place to secure your car. Kudos to whole team.
Vivek
Padra, July 30, 2020
Cashless garage available
I recently got my car insurance policy from the policybazaar and reliance general car insurance. It is a good plan which I got and I got to know that reliance general car insurance have the great tie-ups with decent service stations for the repair work and that too available all over the India. Great work and support team.
Sanyam
Yamunanagar, July 29, 2020
Turn around team
It is a nice company i.e. the reliance general car plan as the turn-around time of the company is really good and quick. I was facing some issues regarding my paper-work and documentation but it was resolved by them in next 24 hours. Thank you team.
Satwik
Hadol, July 28, 2020
Online purchase of the policy
I have taken the online car insurance policy from policybazaar website and it was of reliance general car plan. It is a nice company and I really like the plan which I bought under the guidance of policybazaar. A super plan where you can easily secure the life of yours and your car. Thank you so much team.
Pritpal
Yashwant Nagar, July 27, 2020
Less premium high coverage
I have taken car insurance policy for my car and it is really good. The car policy was purchased from the reliance general. I got the car insurance policy in very less price with good features and the add on covers. An amazing deal which you can get with the help of policybazaar. A great place to get your car insured easily. Thank you team policybazaar.