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.

8200 Cashless garages
Plan starting @ ₹2094^#
98% Claim settlement ratio

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

Get Car Insurance starting at only ₹2,094/year ^#

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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

Inclusions
Exclusions

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 Policybazaar.com 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

FAQs

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.