Reliance Car Insurance
Reliance Car Insurance
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Reliance Car Insurance

Reliance General Insurance is a renowned general insurance company. It is a part of the Reliance Group and refers to be the most trusted general insurance company. It caters to almost every general insurance products such as motor insurance, health insurance, travel insurance and much more. The company has 139 offices and more than 28,900+ intermediaries across India. The company aims to score perfectly for world-standard services & products, and want to be your first choice in domestic as well as global markets. As discussed above, the company caters to different needs of customers with its innovative solutions starting from reliance car insurance to health and travel products among others. With the affordable prices, the company is making it accessible for all.

Roadside Assistance

Roadside Assistance

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

Tax Savings

Tax Savings

It also comes out with multiple tax benefits that lead you to Tax Savings under section 80D

Policy Delivery

Policy Delivery

The company ensures insurance policy delivery​ within 10 seconds​.

Features of Reliance Car Insurance

Cashless Claim Networks

Cashless Claim Networks

The company is offering cashless claim service over 3800+ authorized network of garages across India.

Accidental Cover /Customer Support

Accidental Cover /Customer Support

This policy covers the policyholder, while you are driving against any accident.

Discounts

Discounts

With the installation of an anti-theft device and specific location usage cover discount. Apart from this, the company is offering several other discounts as well.

Trusted Service

Trusted Service

With the experience of many years, the company has got the status of the most trusted general insurance company.

Types of Reliance Car Insurance

To deal with different needs of the customer, Reliance general insurance company is offering multiple car insurance plans:-

  • Car Insurance
  • Car Own Damage Insurance
  • Third-Party Liability Car insurance
  • Commercial Vehicle Insurance
  • Long Term Car Insurance
  • Commercial Car (Taxi) Insurance

Car Insurance

Car Insurance

It is a comprehensive car insurance Plan. It offers optimum protection to your car, but also helps you financially in case of any unfortunate incident. Under this plan, you will get Third-Party Liability cover and own damage cover as well. This plan comes out with extensive protection for your car. It also allows you to invest in multiple add on covers to enhance the cover.

Key Features

  • 3700+ Network Garages: To offer the much required and helpful cashless service, the company has tie-ups with more than 3700 network garages.
  • Personal Accident Cover: The plan offers personal accident cover to provide the much-required personal accident cover to deal with unwanted situations.
  • Instant Renewal: The plan is helping you in getting the instant renewal done. You can easily renew the existing insurance plan by simply visiting the site.
  • Multiple Add On-covers: The plan has come out with multiple add on covers such as engine protect cover, NCB retention cover and much more to enhance the basic cover

Car Own Damage Insurance

Car Own Damage Insurance

Car Own Damage Insurance is again an effective car insurance plan that comes out with its own damage cover. The plan offers coverage to your vehicle against accidents like fire, theft, etc. In case of an accident, this plan provides much required financial assistance to repair or replace parts of your car damaged in the accident.

Key Features

  • Zero Paperwork: The company is offering this plan with zero paperwork which makes it more convenient for customers to get it fast.
  • Coverage Against Natural Disasters: The plan offers the much-required financial cover against natural disasters that include floods, earthquakes, fire and much more.
  • Coverage Against Man-made Disasters: To deal with man-made disasters as well, the company is offering the required coverage.
  • Add on Covers: The plan has multiple add on covers that include engine cover, Motor Secure Premium Cover, Nil Dep​reciation cover and much more that will enhance the cover.

Third-Party Liability Car insurance

Third-Party Liability Car insurance

This plan offers the much-required cover against any legal liability to a third-party caused when you are at fault.

Key Features

  • Damages to Third Party Vehicle: As the plan is designed for the third-party, it makes sure to deal with all repairing or financial charges of third party vehicle where the insured person is involved.
  • Damage caused to a third party property: Apart from the third party vehicle, it is also liable to offer coverage to the third party property as well.
  • Injuries caused to other people in an accident: There will be multiple injuries that took place in an accident, the plan is designed to cover them as well.

Commercial Vehicle Insurance

Commercial Vehicle Insurance

When it comes to commercial vehicle insurance, no matter if you are an owner or driver, you must carry commercial vehicle insurance whenever you are driving. The plan is designed to offer cover against man-made and natural disasters along with the third-party liability insurance.

Key Features

  • Loss or Damage To Your Vehicle: The plan is liable to cover loss and damage to your vehicle caused due to man-made and natural disasters as well.
  • Third Party Liability: The plan also provides third party liability coverage to you whenever it requires to deal with the third person damages caused by you.
  • Towing Cover: In the hour of need, when your vehicle is not in moving condition then the towing cover will be there to assist you further.

Long Term Car Insurance

Long Term Car Insurance

Long term insurance cover is designed to provide the required ease from the mundane task of renewing your car policy every year. This policy allows you to insure your beloved vehicle for up to 3 years without facing the hassle of annual renewals.​

Key Features

Ease The Task: The plan prevents you from the task of renewing your car insurance plan every year. Your vehicle will be insured for the next three years and you don't have to rush each year for renewal.

  • No Claim Bonus: The plan does reward you with the no claim bonus for responsible driving and claim free year as well.
  • Voluntary Deductibles: The plan allows you to avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy.

Commercial Car (Taxi) Insurance

Commercial Car (Taxi) Insurance

Those who are running commercial vehicles as taxi required to carry valid insurance along with them. This is not because it is mandatory, it is for their safety as well. Commercial car taxi insurance is specifically designed to provide coverage to taxis.

Key Features

Coverage for multiple situations: The plan does offer coverage for multiple situations that can be an accident, man-made or natural disaster or any other scenario.

  • No Paperwork: The company is issuing the policy without any paperwork which makes it more convenient for customers.
  • Reward for Safe Driving: The plan comes out with an amazing feature of offering a reward to the insurer for safe driving.

Basic Attributes of Reliance Car Insurance

Reliance Car Insurance allows you to get comprehensive protection at the best price. It is a helpful insurance policy for every car owner who wants to secure his car in every possible manner.

  • Cover Against Damage: The Company has tried to offer coverage on every possible damage that can occur to your car while driving. Some of the damage that these policy covers are accidents, fire, lightning, self-ignition, explosion, theft, riot & strikes and/or malicious acts, terrorism, earthquake, flood, cyclone, inundation, transit by rail, road, air, and elevator among others.
  • Roadside Assistance: The policy also provides roadside assistance whenever you get stuck in these situations like towing assistance, battery jumpstart, minor repairs, tyre punctures, emergency fuel assistance, delivering backup keys, organizing a taxi, organizing a hotel accommodation, sending outgoing messages and much more.
  • Third-Party Liability: Apart from these basic covers, the company is also offering third party liability coverage. It is now necessary as per the Motor Vehicles Act. It ensures third-party property damages and provides liability for the third-party in case of any mishap.

Why Reliance Car Insurance Policy?

There are multiple reasons for choosing Reliance Car Insurance over any other company starting from the trusted insurer to best claim ratio and customer assistance among others. It does offer multiple benefits such as

  • Comprehensive Cover: This plan offers comprehensive coverage to you and your vehicle. Under this policy, you will get coverage on third-party liability cover and the private motor cover as well.
  • Add-On Covers: Along with the basic coverage you will be liable for add-on coverage and many discounts which you will receive regularly with even the retention of NCB.
  • Roadside Assistance: One of the best benefits of this insurance policy. With this helpful feature, a consumer can get several benefits and needful cover while driving.
  • Expert View: This policy offers many benefits and features to secure your driving completely secure from unavoidable circumstances. It offers a host of coverage for almost all possible damages that can happen to your vehicle in case of an accident.

Add-on Covers for Reliance Car Insurance

  • Depreciation Cover: It is also known as zero dep cover that allows you to get the full claim amount without any deductions associated with depreciation.
  • Third Party Cover: It will provide the required coverage to the policyholder while stuck in an accident and have to pay to third party for his/her loss.
  • Personal Accident Cover: It is an additional cover that offers a coverage of up to 5 lakhs in case of an accident or permanent loss of his or her arms or legs.
  • Personal Accident Bundle Cover: It is an effective add-on cover that will be there to assist you in case of accidents, irrespective of whoever is driving it. This cover will be there in case of permanent total disablement and accidental death.
  • Motor Secure Plus Cover: This add-on comprises of Nil Depreciation Cover, Consumables Cover, and Engine Cover as well.
  • Motor Secure Premium Cover: In addition to the basic cover Nil Depreciation Cover, Engine Cover and Consumables Cover, this add-on provides a Key Protect Cover for private cars.

Exclusions

Like all other insurance plans, the Reliance car insurance policy does carry some exclusions which will not be liable to get the required cover in the hour of need.

  • Normal Wear And Tear: Reliance car insurance plan doesn’t provide coverage on normal wear and tear, mechanical and electrical breakdown among others.
  • Consequential loss: In case of damage, that causes subsequent damage/loss, only the original damage will be covered.
  • Compulsory Deductibles: A fixed amount that gets deducted at the time of the claim. You have to pay for the amount on your own and the rest will be covered by the insurance company

Reliance Car Insurance Facilities

There are a host of facilities associated with Reliance car insurance.

  • 24x7 customer service.
  • Hassle-free- and easy approach
  • Provides great discounts
  • No documentation
  • Provides immediate assistance
  • Several options related to the issuance of the policy
  • Offers instant policy issuance
  • Offer free Roadside assistance in case of breakdown or an accident
  • It offers a cashless facility with around 3800 network service stations.
  • Offers towing services at minimal charges- Reimbursement up to Rs 1500.

Key Factors Affecting Your Car Insurance Premium

The Insured’s declared value (IDV) is the sum assured after deducting depreciation from the listed value of the car. The depreciation percentage would affect your premium as well

  • Geographical zone
  • Model of the vehicle
  • Age of your vehicle.
  • The cubic capacity (CC) affects the premium.
  • No claim bonus will affect the premium.
  • A few discounts will also affect the premium

Reliance Car Insurance Discounts

There are several discounts which can help you in lowering the premium cost. Reliance is offering 3 types of discounts on your premium amounts.

  • No Claim Bonus: If you have not claimed in the last year then you will receive a no claim bonus. With the same, you can get a discount of up to 50%.
  • Voluntary Excess: If you choose a higher proportion of voluntary excess on your claims, then you'll get huge discounts.
  • Automobile Association: If you are a member of any automobile association would save you paying more for your premiums.

Reliance Car Insurance Claim Proces

Reliance General Insurance offers a convenient and quick claim settlement process for Reliance motor insurance policyholders. Policyholders have the option of selecting either a cashless claim or a reimbursement claim depending on the type of emergency. Customers can check the status of their Reliance Car Insurance claims on the insurer’s web portal and also get additional support from their 24/7 customer care helpdesk for any issues regarding their claim settlements.

Reliance car insurance allows you to file the claim within a few seconds.

1. For the same, the policyholder has to file the claim by connecting to the insurance company that can be done through the call. Then they may ask for a few documents such as

  • Policy number
  • Contact Details
  • Name of the policyholder
  • Vehicle number
  • Model of the vehicle
  • Date and time of the accident
  • Garage name
  • Description of accident accident

2. Then the vehicle has to be taken to an authorized garage for repairs and the needed documents have to be submitted.

3. After the inspection, Reliance will approve the claim or reject the claim and then follow the process.

4. Customers can opt for cashless settlements that can get their vehicles repaired by network garages. The repair bills will be cleared by Reliance General Insurance with the garage up to the payable amount. Copy of driver’s license, self-attested copy of the RC book and the filled-in claim form has to be provided.

5. In case, where the policyholder has opted for reimbursement, then the insured has to pay for all the charges. Then the receipt of the same has to be submitted to the surveyor. Then the insurance company will analyze the same and reimburse accordingly.

Documentation Required: Claim

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

Claims For Accidents

  • Proof of Policy
  • Estimate for repairs
  • Registration Book and Tax Receipts
  • Original and copy of the Driving License of the driver
  • Police Panchnama / 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 Cum Satisfaction Voucher signed across a Revenue stamp is needed

Claims For Theft

  • Policy Document
  • Tax payment receipts
  • Registration Book with Theft endorsement the RTO
  • Previous 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"

On Admission Of Liability

  • Duly signed Form 28, 29 and 30
  • Form 35 signed by the Financer
  • Letter of subrogation
  • Consent towards agreed claim settlement value
  • NOC of the Financier
  • Claim Discharge Voucher signed across a Revenue Stamp

Reliance General Car Insurance - FAQs

It offers 24/7 roadside assistance, cashless claim facility, reimburses towing charges up to Rs 1500, the help of policyholders stranded on account of car breakdowns and an optional cover for personal accidents of up to Rs 10 lakhs.

Key features – You can take advantage of a car insurance plan with no documentation and claims can be settled easily. The company will analyze the same quickly and provide approval. Customers will also receive attractive discounts when they avail of a Reliance Private Car Insurance policy.

You can file a claim online through the website and can be made either as a cashless claim or as reimbursement claims that require certain documents to be submitted at the company's branch.

Yes, you can easily renew the car insurance plan online using the online portal and online payment modes.

Yes, for sure, the Reliance car insurance is a trusted name in the insurance industry and people trust it for their protection and it offers 24*7 required assistance as well. It is surely a good option to choose

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Last updated on 19-12-2019