Reliance Standalone Own Damage Car Insurance

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Reliance Standalone Own Damage Car Insurance
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      Reliance Standalone Own Damage Car Insurance

      If you already have third-party car insurance but no coverage for damages caused to your car, purchasing a Reliance Standalone Own Damage car insurance policy will be the best option for you. This own damage cover compensates a policyholder for the expenses of repairing or replacing parts of a car damaged in an unforeseen incident like theft, fire, road accident etc.

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      Key Features of Reliance Standalone Own Damage Car Insurance

      Categories Key Features
      Own Damage Cover Yes
      Mandatory No
      No Claim Bonus Upto 50%
      Add-on Covers Yes
      Zero Depreciation cover Yes
      PA Cover Upto Rs. 15 Lakhs

      Coverage Under Reliance Standalone Own Damage Car Insurance

      • Damages arising out of natural calamities like earthquakes. floods, etc
      • Losses to the insured car caused due to fire, explosion or ignition
      • Damages arising out of manmade calamities like riots, terror attacks, vandalism
      • Partial or total loss arising due to the theft of the insured car is also covered under the own damage policy
      • Accidental damages sustained by the insured car while it was in transit by rail, road, air or water
      • Damages caused to a third party vehicle, third-party property
      • Death or bodily injuries sustained by a third party due to the insured car
      • General wear and tear, depreciation sustained by the insured car
      • Mechanical or electrical breakdown
      • Losses arising out of war or nuclear risks
      • Damages sustained by the insured car as a result of drunk driving
      • Damages to the insured car when the driver was not carrying a valid driving license

      Add-ons Under Reliance Standalone Own Damage Car Insurance

      Reliance General Insurance Company also offers car insurance add-ons that can increase the coverage of standard car insurance. These additional covers can be purchased by paying an extra premium amount.

      • Nil Depreciation Cover
      • Consumables Cover
      • Engine Protector Cover
      • Key Protect Cover
      • Daily Allowance Benefit

      How to Buy Reliance Standalone Own Damage Car Insurance Policy?

      A Reliance own damage car insurance policy can easily be purchased online in just 5 minutes by following these steps:

      • Visit and select ‘Car Insurance’ from the homepage
      • Enter your car number in the given form and proceed
      • Select your car’s RTO, model, make, variant and registration year
      • From the given own damage car insurance plans, choose Reliance own damage plan
      • Select add-ons that you wish to purchase from the “Add-ons and Accessories” dropdown
      • Pay the premium amount via desired payment mode
      • Once the premium has been paid, your Reliance car insurance policy papers will be mailed to you.

      Documents Required to Raise Reliance Standalone Own Damage Claim

      If your car meets with an unforeseen incident, the first thing to do would be to raise a claim with your insurer. Your insurer will require some documents to verify your claim. These documents include the following:

      • Own damage car insurance policy papers
      • Copy of Police FIR
      • KYC
      • Copy of car’s Registration Certificate
      • Copy of driver’s driving license
      • Duly signed claim form
      • Bills and estimates of repair


      • Q1. What is the difference between own damage and zero dep insurance?

        Ans: An own damage cover is a car insurance plan that offers financial protection to a car when it meets with an unforeseen incident. In contrast, zero depreciation is an additional cover that can be purchased with an OD plan to cover the depreciation sustained by the car at the time of claim. Usually, an OD plan does not cover any depreciation the insured car bears. However, with the help of this add-on, a policyholder can get compensated for the cost of depreciation borne by the car.

      • Q2. How many times can I claim Reliance own damage insurance?

        Ans: There is no limit to raising a Reliance own damage car insurance claim. A policyholder can file as many claims as they want. However, raising a claim can impact the NCB reward received in a policy year.

      • Q3. Will I get any discount on the premium of Reliance own damage cover?

        Ans: Yes, you can get a discount on the premium while purchasing a Reliance own damage car insurance policy by following the below-mentioned tips:

        • Opt for Voluntary Deductibles
        • Take benefit of the NCB reward
        • Become a member of any recognised Automobile Association of India
        • Install an anti-theft device in your car
        • Choose add-ons wisely
      • Q4. What is a standalone personal accident cover?

        Ans: A personal accident cover is a compulsory add-on that can be purchased along with an OD plan. This add-on provides compensation for any accidental injuries to the owner-driver of the insured car.

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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.

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