"Spending a whole day looking for insurance is fun," said nobody, EVER!

    Reliance Car Insurance

    Car Insurance
    • Get quotes from multiple insurers
    • Choose from a variety of zero depreciation and roadside assistance covers
    • 3100+ cashless garages

    A private company established in 2000, Reliance General Insurance is one of the leading names in insurance. The company has over 125 branches across the country and more than 12,000 agents. Car insurance is one of their top rated products, apart from health, marine, travel, and life insurance products.

    Car Insurance Online from Reliance Car Insurance

    Third-party Cover Up to Rs.7.5 lakhs
    Cashless Network Garages 3800+
    Incurred Claim Ratio 2016-17 91.39%
    Net Earned Premium NA
    Covers Provided
    • No claim bonus
    • Accessories
    • Bi-fuel kits
    • Speed testing
    Features
    • Quick claim settlement
    • Instantaneous purchase
    Inclusions
    • Third-party liability
    • Personal accident cover
    • Loss due to natural calamities
    • Loss due to man-made calamities
    Exclusions
    • Loss due to wear & tear
    • Damage due to general aging of the car
    • Nuclear risks, war

     

    Features and Benefits

    • Convenient purchase- Reliance gives buyers a host of different options to purchase the policy. Prospective buyers can choose to pay even through online wallets, other online banking options or through debit or credit cards.
    • Paperless transactions- Whether it is purchasing a policy, renewing it or making a claim, there is no need to go through the hassle of paperwork. All transactions can be done online in a smooth, quick and efficient manner.
    • Special discounts- Those who buy the policy are eligible for a special offer where they will get roadside assistance services for a discounted price of Rs.500. Apart from this, the company also offers no claim bonus discounts and discounts for those with an anti-theft device installed. Members of automobile associations are also eligible for special discounts.
    • 24/7 customer support-Reliance offers customers the advantage of round the clock customer support services to solve all insurance related queries, claim related information, renewals and other issues.
    • Good add-ons- With an interesting set of add-on options, customers not only have the benefit of choosing from a wide range of options but can also customise their policy as per needs.
    • Anytime assistance- One of the unique features under this policy is that it gives policyholders the convenience of availing assistance at anytime. Some of the services include hotel accommodation, taxi services, key delivery, tyre repair, towing assistance,etc. These services can be availed anytime during an emergency situation.

    Easy Steps To Apply for Reliance Car Insurance

    • Log on to the Reliance General website. One can choose the ‘buy online’ option on the home page itself.
    • All you have to do is select the type of insurance that you want to purchase and then provide basic details.
    • Once this is done, you will get an insurance quote and other policy related details.
    • In case of any other unsolved queries, you can also contact their toll-free number. A customer service executive will then take you through the stepwise process of how to buy an insurance policy.
    • Once you are happy with the terms and conditions, all you have to do is make an online payment.
    • A copy of the insurance policy papers will soon be made available to you.

    Why Reliance Car Insurance

    Free roadside assistance on purchase of new policy
    Instant purchase & renewal
    Digital payments
    App-based assistance
    Special discounts

    Add-on covers on Reliance Car Insurance

    Let's explore the various add-on options available under Reliance:

    • No claim bonus- Policyholders can avail this benefit if the car in concern is more than 2 years old. One can apply for this option even after a claim has been made in another car insurance policy. However, to avail this benefit, the policy has to be renewed within the grace period.
    • Personal accident cover- This provides policyholders the option of being covered in case of an accidental death or any other kind of disability due to an accident. This cover will be applicable across the globe and it does not matter who is behind the wheel.
    • Zero depreciation- At the time of an accident, theft or any other unfortunate event, this feature gives the customer the benefit of covering up the cost of depreciation of the vehicle. Deduction will only be applicable to the tubes and tyres in the car.
    • Consumables cover- Reliance provides customers the option of choosing to protect various consumables in the car such as brake oil, bearings, oil filter, engine oil, etc. As many as two claims can be made under this add-on option.
    • Engine cover- In case there is any kind of damage of theft of engine parts, the same will be covered under the policy. However, please note that any claim in this regard has to be made within 7 days from the date of the accident or unfortunate event.
    • Key cover- Under this cover, customers will be protected against any damage that has been caused to keys and locks in the car. An FIR has to be filed to make this claim and the incident has to brought to the notice of the insurance providers within 7 days of the incident.

    Inclusion & Exclusion for Reliance Car Insurance

    Inclusions Exclusions
    Loss or damage caused due to:
    • Fire, explosion & self-ignition
    • Natural calamities such as floods, storms, landslides, earthquakes, rockslides, hurricanes, lightning
    When the policyholder uses the vehicle contrary to mandated instructions
    Loss due to theft, robbery, and other manmade calamities such as strike, riots, terrorist activities, accidental external damage Accident due to intoxication
    Damage caused due to travel by road, air, elevator, inland waterway Damage due to own negligence
    Third-party liability in cases of injury, death or damage Mechanical or electrical breakdown
    Personal accident cover Loss due to nuclear risks
      War related risks
      Consequential loss
      Contractual liability
      Loss of accessories by theft
      If used/driven outside geographical area

    Insured Declared Value - Reliance Car Insurance

    • The Insured Declared Value (IDV) of a vehicle is nothing but the sum that is assured to be given to the policyholder at the time of a claim settlement.
    • The IDV is determined based on the manufacturers listed price and the brand of the car.
    • For a car that is 5 years or older, the IDV is arrived at in mutual agreement between the insurer and the insured party. Given below is a sample of how IDV is calculated:
    Age of vehicle % of depreciation
    Not exceeding 6 months 5%
    Exceeding 6 months but not exceeding 1 year 15%
    Exceeding 1 year but not exceeding 2 years 20%
    Exceeding 2 years but not exceeding 3 years 30%
    Exceeding 3 years but not exceeding 4 years 40%
    Exceeding 4 years but not exceeding 5 years 50%

    Reliance Car Insurance Cashless Garages

    Equipped with over 3800 cashless network garages across the country, Reliance provides customers high-quality services in a quick, hassle-free and efficient manner. To locate the closest network garage, go to their website and refer to the network garages locater page.

    Claim Process for Reliance Car Insurance

    With Reliance embracing app-based services and online services, making a claim is a breeze. Policyholders can raise a claim through the toll-free number at the time of an emergency or make a claim online by filling the claim form. In case it is a theft, accident or there is any bodily damage, an FIR has to be filed. Cashless claims can also be made through the empanelled network of cashless garages.

    Cashless Claim Process for Reliance Car Insurance

    Let’s explore the cashless claim process:

    • Avail towing services to get the damaged car to the designated cashless network garage
    • Intimate the insurance provider and provide all relevant documentation
    • The insurance provider will directly settle the amount to be paid to the network garage

    Reimbursement Claim Process for Reliance Car Insurance

    Let’s explore the reimbursement claim process:

    • Reimbursements are claimed once the repair work has already been done. Hence, the first step in this process is to keep all bills and invoices ready.
    • Submit all the bills along with the duly filled claim form. All submissions can be done online

    Reliance Car Insurance Reviews

    • Reliance General Car Insurance
      "Best policy"
      0.5 4.0/5 "Great!"
      I own a car insurance policy from the well known insurance policy company RELIANCE GENERAL INSURANCE. The customer support is good and well responsive. I didn't have any claim experience so i am unable to comment on it. More than all, all benefits are covered under one policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 18, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I own a car insurance policy from the Private sector insurance company RELIANCE GENERAL INSURANCE , Overall its a good policy. I uploaded all documents online itself. The application process is very easy and simple. I prefer to make online payments for the renewal of my two wheeler insurance policy.
      Was this review helpful? 0
      , thrissur
      Reviewed on Mar 18, 2018
    • Reliance General Car Insurance
      "good policy"
      0.5 4.0/5 "Great!"
      I own a car insurance policy from the Private sector insurance company RELIANCE GENERAL INSURANCE. My annual premium amount is very reasonable by comparing with my previous policies. I have a positive claim experience. They approved and settled my claim amount too.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 18, 2018
    • Reliance General Car Insurance
      "Economical Premium"
      0.5 3.0/5 "Satisfactory"
      I compared Reliance premium with existing insurance company when I used to pay. I found Reliance is best hence I taken private, car policy. They also gave me good policy coverage which includes third party cover, accidental, no claim bonus features.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2018
    • Reliance General Car Insurance
      "Its Better"
      0.5 4.0/5 "Great!"
      I felt Reliance Private Car Policy is best in term of the policy coverage and the premium amount. I paid the premium around Rs. 5,000 for Maruthi ESTILO car they gave me the IDV value around Rs. 1.20 lakhs. Its comprehensive plan which has accidental cover, loss or damage cover.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 13, 2018
    • Reliance General Car Insurance
      "Economical premium with best cover"
      0.5 4.5/5 "Excellent!"
      My son chosen Reliance because it has the lowest price in the market, I paid the premium of around Rs.3868 for one year. They gave me the IDV value around Rs. 1. 27 lakh I have Maruthi Suzuki Alto car. I have reliance private car with accidental, third party and there is no claim feature.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2018
    • Reliance General Car Insurance
      "Nice product"
      0.5 5.0/5 "Blown Away!"
      I own a Car insurance policy from the private sector insurance company RELIANCE GENERAL INSURANCE. I am paying annual premium amount which is Rs. 4,196/- it is little bit high by comparing with present policy. Unable to talk about claim experience as I dont have one.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 08, 2018
    • Reliance General Car Insurance
      "over all good"
      0.5 4.0/5 "Great!"
      I own a car insurance policy from the private sector insurance company RELIANCE GENERAL INSURANCE. My annual premium amount is quite high by comparing with present policy. I had a positive claim experience from the reliance insurance. The customer support is good and have a proper communication and followups also.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 08, 2018
    • Reliance General Car Insurance
      "Good experience"
      0.5 4.0/5 "Great!"
      I had a Car insurance policy from the private sector insurance company RELIANCE GENERAL INSURANCE. I had a positive claim experience. The claim application process is very easy and convenient. But my annual premium amount is quite high when compared with present policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 07, 2018
    • Reliance General Car Insurance
      "reasonable premium"
      0.5 5.0/5 "Blown Away!"
      I had a car insurance policy from the RELIANCE GENERAL INSURANCE through a online partner. I can prefer to online payments to renew my car insurance policy with in due time. My annual premium amount is Rs. 5,939 which is very affordable by comparing with the previous insurance policy. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 07, 2018
    • Reliance General Car Insurance
      "Affordable premium"
      0.5 4.0/5 "Great!"
      I had taken a Car insurance policy from a public sector insurance company RELIANCE GENERAL INSURANCE through a online partner. My annual premium amount which is Rs. 5,790 which is very affordable. I didn't have any claim experience therefore unable to comment on it.
      Was this review helpful? 0
      , yelahanka
      Reviewed on Mar 07, 2018
    • Reliance General Car Insurance
      "Its Excellent"
      0.5 4.0/5 "Great!"
      I heard Reliance is good, therefore I took car insurance from them. Even their customer service is upto the mark I got the policy activation on time. I paid the premium around Rs. 4000 for one year car insurance for the IDV value of Rs. 1.8 lakhs. I have Maruthi Suzuki Alto 800, they provide cash less service with third party cover on Reliance private car policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Reliance General Car Insurance
      "Best Protection"
      0.5 5.0/5 "Blown Away!"
      The premium value is good in Reliance for the IDV Value which they offered me. I made the premium amount around Rs. 8655, Reliance gave me the policy coverage around Rs. 2.54 lakhs. I took Reliance private car party it has accidental, road side, third party cover with cash less service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 06, 2018
    • Reliance General Car Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Reliance, and I would like to say I am completely satisfied with the policy, I did not face any issues with it, the final premium is good enough which is around Rs. 12,692 and Idv I am receiving is around Rs. 2,24,370. I am happy with the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • Reliance General Car Insurance
      "Happy with the policy"
      0.5 5.0/5 "Blown Away!"
      I am happy and satisfied with the car insurance policy that I have taken from reliance. I found it very satisfying in terms of the final premium and Idv which is Rs. 7,592 and Rs. 4,25,000 respectively. I never have any claim experience but in terms of insurance policy I am satisfied.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Mar 05, 2018
    • Reliance General Car Insurance
      "Looking for Better benefits"
      0.5 2.0/5 "Expected more"
      When I was staying in Tamil Nadu I took car insurance with Reliance General Insurance company. They gave me lest coverage for my vehicle the amount is higher when compared to Royal Sundaram. Then I moved to Bangalore then I didn't go for the reliance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • Reliance General Car Insurance
      "Premium should be economical"
      0.5 3.0/5 "Satisfactory"
      Only factor which made me to go for the Bajaj Allianz the premium was lesser for the renewal, But Reliance premium was high but still last time they provided me good features on car insurance. They gave me good service and sent me the soft copy on time but my only concern is about the premium amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 05, 2018
    • Reliance General Car Insurance
      "Poor"
      0.5 1.0/5 "Really Bad"
      I have taken a car insurance policy from Reliance. I am not happy with the policy as my given premium was around Rs. 16,000 which I had to pay but I ended up paying around Rs. 20,853 and I don't know what have been added or I have been misguided, my Idv is around Rs. 9,30,400.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Reliance General Car Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Reliance. My final premium is around Rs. 3,424 and Idv is around Rs. 1,00,000. The policy was good I am satisfied with the policy at the time when I took. The processing was done on time I did not face any kind of difficulty.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    • Reliance General Car Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance policy from a RELIANCE GENERAL INSURANCE through a on line partner. I feel it is a good policy because of mostly all benefits are covered under this policy. The customer service is good and well responsive. I didn't have any claim experience so i cant able to comment on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 22, 2018
    Common Loader Icon