Reliance Car Insurance
Reliance Car Insurance
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Reliance Car Insurance

Reliance General Insurance is a renowned general insurance company established on 17th August 2000. It is a part of the Reliance Group and referred to as one of the most trusted general insurance companies in India. The company has more than 28,900+ intermediaries across India. The company aims to become the first choice of customers in domestic as well as global markets. It caters to different needs of customers with its innovative solutions starting from Reliance car insurance to health, travel products and much more.

Car Insurance plans by Reliance General Insurance Company believes in providing easy, quick and effective solutions for your car's needs. These plans offer protection against any loss or damage to your car arising out of uncertainties such as natural calamities, accidents, thefts, etc. With its affordable prices and instant renewal service without much documentation, the company is making it accessible for all.

Highlights

Headquarters

Mumbai, Maharashtra

Number of Branches in India

139+

Number of Employees

2528

Parent

Reliance Capital Limited

Award(s)

'General Insurance company of the year' in 2015

**Last Updated on 02-09-2020

How To Renew Reliance Car Insurance Policy Online?

Renew With Reliance General Insurance

Reliance General Insurance Company Ltd. offers a hassle-free and simple process to

renew your car insurance policy. Remember to note the expiry date of your car insurance and follow these steps for easy renewal:

  • Visit the Reliance General Insurance official website.
  • Click on 'Car Insurance' given under the 'Car' tab present at the top of the page.
  • You can see 'Existing Policy with Reliance' at the left side of the page showing two options of (YES/NO) slide the button right and select the 'YES' option.
  • Enter your registered mobile or policy number and mark the box named 'I accept the terms and conditions'.
  • Click on 'Renew My Policy' to proceed with the renew process.
  • Check your policy details and make the payment. 
  • On successful payment, you will be notified with an email in your registered email id.
  • Print and save the premium deposit receipt for future references.

Renew With PolicyX.com

PolicyX.com enables its customers to renew their policies effortlessly from the comfort of home. Please follow the below steps:

  • At the top-right corner of this page, go to 'Compare Car Insurance Quotes Online'. You can proceed with two options- enter your car's registration number and click on 'Get Quotes'. Or tap on 'Proceed Without Car Number' and enter the necessary details of your car like car make, registration year, variant and RTO code.
  • Select the Reliance Car Insurance plan.
  • Tap on 'continue' and make the payment.
  • On successful transaction, a renewal confirmation mail will be sent to your registered email address.

Key Features and Benefits of Reliance Car Insurance

Cashless Claim Networks

The company offers cashless claim services in over 3800+ authorized network of garages across India.

Personal Accidental Cover

The policy covers the policyholder against any accident while (s)he is driving.

Discounts

You can avail discounts by installing anti-theft devices and opting for AAI membership. Apart from this, you can choose a higher proportion of voluntary excess on your claims and get a discount on premiums up to a maximum of Rs. 2,500.

Instant Claim Settlement Process

With a decade of experience, the company has now gained expertise in settling claims quickly without any hassles.

Roadside Assistance

The company offers the much-required 'Complimentary Roadside Assistance' worth Rs.500.

Tax Savings

It also comes out with tax benefits that lead you to tax savings under section 80D of the Income Tax Laws of India.

Customer Support

Reliance offers excellent customer service assistance to its clients. You can contact them anytime regarding your queries.

Premium Calculation For Reliance Car Insurance

The car insurance premium is calculated based on factors such as geographical zone, age and model of your car, cubic capacity of the car, etc. The given table shows the IDV, Zero depreciation cover and premiums for variants of different car models:

Car Variant

Price of the Car

IDV*

Zero Depreciation

(Add On)*

Estimated Premium*

Hyundai Creta 1.5 Petrol (1497 cc)

Rs. 11,72,000

Rs. 8,16,050

Rs. 4,774

Rs. 52,377

Maruti Suzuki Ignis Sigma 1.2 MT (1197 cc)

Rs. 4,89,000

Rs. 3,56,124

Rs. 2,625

Rs. 1,721

Mahindra Alturas G4 2WD AT (2157 cc)

Rs. 28,69,000

Rs. 23,04,225

Rs. 10,658

Rs. 44,674

Toyota CAMRY 2.5 Automatic (2487 cc)

Rs. 37,88,000

Rs. 25,19,400

Rs. 8,962

Rs. 41,434

Table Data updated on 02-09-2020

**The values are calculated on the basis of (Delhi) city and registration year 2020.

What Are the Different Add-on Covers By Reliance Car Insurance?

  • Nil Depreciation Cover: It is also known as zero depreciation cover that allows you to get the full claim amount without any deductions associated with the repair/replacement of depreciated parts such as rubber, metal, etc.
  • NCB Retention Cover: NCB is a discount offered by the insurer for not claiming throughout the policy tenure and may increase year after year with a certain percentage. This add-on cover protects the NCB discounts in the event of Own Damage (OD) claim (maximum 2 are allowed in a policy year).
  • Consumables Cover: The expenses incurred on consumable items such as screws, nuts and bolts, lubricants, brake oil, fuel filter, engine oil, etc. are covered under this add-on cover. It allows the customer for a maximum of 2 claims during the policy period.
  • Engine Protector Cover: It offers suitable cover for expenses arising due to damage/loss of the engine by leakage of lubricating oil or water ingression. The parts of the engine together with differential parts and gearbox parts are also covered under this add-on feature.
  • Key Protect Cover: This add-on provides cover for expenses incurred during repairing or replacing car keys, lock, or lockset.
  • Daily Allowance Benefit: This add-on compensates the travel allowance to the policyholder when his/her car is under repairs for more than 3 days in an authorized network garage.
  • EMI Protection: It offers coverage to the car purchased on a vehicle loan and is liable to pay up to 3 EMIs' if it is under repair for more than 30 days in a Reliance's partnered network garage. The EMI costs will be paid directly to the financial institution from where the loan has been taken. 

What Is the Claim Settlement Process of Reliance Car Insurance?

Registration of Claim

Step 1: The policyholder has to file the claim by connecting to the insurance company, which can be done through:

  • Calling at the toll-free number 1800 3009, or 
  • Chatting online through their virtual assistant (RIVA) present on the official website of Reliance General Insurance, or 
  • By using the Facebook Messenger Application. 

Then, the insurer may ask for a few details such as the policy number, contact details, name of the policyholder, vehicle number, model of the vehicle, date and time of the accident, description of the accident.

Step 2: The vehicle has to be taken to a garage for repairs. The insurer will send an inspection team for the survey.

Step 3: After the inspection, the needed documents have to be submitted to the surveyor. This process will be conducted within a day.

Step 4: Reliance will approve the claim on the basis of confirmation of all liabilities as per the terms and conditions of the policy.

Step 5: Customers can opt for cashless settlements to get their vehicles repaired in network garages. The company will clear repair bills directly with the garage up to the payable amount.

Step 6: In case, where the policyholder has opted for reimbursement, then he/she has to pay for all the charges in a non-network garage. Then the receipt of the same has to be submitted to the surveyor along with the claim form. The insurer will analyze the same and reimburse accordingly. This will be communicated to the policyholder and the claim settlement process will be done within 10 working days along with the delivery of the car to the owner safely.

Documentation Required for Claim Settlement

There are multiple reasons for filing a claim and the required documents would be different as per the situation. Below are a few common circumstances:

i) Claims For Accidents

  • Proof of Policy.
  • Estimate for repairs.
  • Registration Book and Tax Receipts.
  • Original and copy of the Driving License of the driver.
  • FIR for third-party property damage, death and body injuries.
  • Repair bills and payment receipts.
  • In case the claim has to be paid to the repairer, then the Claims Discharge along with Satisfaction Voucher signed across a Revenue stamp is needed.

ii) Claims For Theft

  • Policy Document.
  • Tax payment receipts.
  • Registration Book with Theft endorsement and RTO.
  • Insurance Details - Policy number/Insurer Name/Insurance period.
  • Vehicle keys/service booklets/warranty card.
  • Police Panchnama/FIR/Final investigation report/JMFC report.
  • Acknowledged copy of letter address to RTO intimating theft and making vehicle "Non-Use".

iii) On Admission of Liability to the Third-party

  • Policy Papers.
  • Duly signed Claim Intimation Form.
  • Copy of FIR.
  • Self-attested copy of RC book.
  • Copy of driving license.

Contact Details

Reliance Car Insurance Company

Registered Office Address:

Reliance General Insurance, Correspondence Unit, 2nd & 3rd Floor, Winway Building, 11/12, Block No. 4, Old No. 67, South Tukoganj, Near Madhumilan Square, Indore, Madhya Pradesh, India - 452001.

Telephone: 1800 3009 (toll-free), +91 22 48903009

WhatsApp Number: 7400422200

Timings (All Days): 9.00 AM to 7.00 PM - All Services

24 Hrs - Roadside Assistance

Email: rgicl[dot]services[at]relianceada[dot]com (Any queries or complaints regarding your car insurance policy)

PolicyX.com

Registered Office Address:

PolicyX.Com Insurance Web Aggregator Private Limited, 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.

Email: helpdesk@policyx.com (For assistance & complaints)

telesales@policyx.com  (For any Sales query)

Toll-Free Number: 1800-4200-269

Reliance General Car Insurance - FAQs

1. How much personal accident cover will I get on my Reliance Car Insurance?

You will get Rs. 15 lakhs for personal accident coverage in Reliance Car Insurance.

2. Is there any limit for 'Own damage' claim on adding NCB Retention Cover for my Reliance Car Insurance?

Yes, there is a condition- the claim amount should not be more than 25% of IDV which is also described in the policy documents.

3. Will I get coverage for grease and washers on adding consumables cover with my Reliance Car Insurance?

Yes, you will get the suitable coverage for grease and washers provided that the car is repaired at Reliance's authorised workshops or dealers.

4. What is Motor Secure Premium Cover in Reliance Car Insurance?

The Motor Secure Premium Cover in Reliance Car Insurance is a comprehensive cover inclusive of Nil Depreciation Cover, Engine Cover, Consumables Cover, Key Protect Cover – Private Cars altogether in a single package.

5. How much benefit will I get on opting for daily allowance benefit in Reliance Car Insurance?

You will get a daily allowance benefit of Rs. 5,000 per day that can be increased further for private cars.

6. My car has been under repair for 42 days since it got damaged in an accident. Will I be eligible for EMI Protection Cover for my Reliance Car Insurance?

Yes, EMI Protection Cover is for cars that are under repair for more than 30 days of getting damaged.

7. It's been more than 15 days since I lost the keys of my car, is it possible to claim for key protection cover now in my Reliance Car Insurance?

No, you are required to report the loss or damage of keys/lockset/lock within 7 days to get the necessary coverage for the same.

8. I have purchased new accessories for my car. Can I get them insured under my Reliance Car Insurance policy in the middle of the policy tenure?

Yes, you can insure new accessories for your car under Reliance Car Insurance policy in the middle of the policy tenure. But you may need to pay an additional premium for it.

9. If I wish to switch to another insurance provider from Reliance Car Insurance, will my NCB bonus also be transferable?

Yes, your NCB bonus will be transferable on switching to another insurance provider from Reliance Car Insurance.

Last updated on 02-09-2020