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

    Reliance Car Insurance

    Car Insurance
    • Get third party cover at low premiums
    • 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
      "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
    • Reliance General Car Insurance
      "better"
      0.5 4.0/5 "Great!"
      I had applied and got a Car insurance from a RELIANCE GENERAL INSURANCE through a on line partner. I didn't have any claim experience so i cant able to comment on it. It is one year policy. Premium is too high by comparing with other Car insurances polices.
      Was this review helpful? 0
      , hamirpur
      Reviewed on Feb 22, 2018
    • Reliance General Car Insurance
      "Happy with the policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Reliance. I am satisfied with the policy, I did not make any claim as such from the policy but based on the premium and Idv it is fine. My final premium is around Rs. 3,271 and the Idv is around Rs. 1,10,160.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Reliance General Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Reliance. My final premium is around Rs. 5,321 and Idv is around Rs. 1,76,053. I have no issues with the policy the policy is fine, and I am happy with the policy. If I have to recommend to someone about this policy I will definetely do so.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Reliance General Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from Reliance. My final premium is around Rs.8,454 and Idv is around Rs. 5,00,000. I am satisfied with the premium amount that I paid and the Idv I am receiving based on this policy I am happy and it's the best policy available.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Reliance General Car Insurance
      "a nice experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got the Car insurance from a private sector company RELIANCE GENERAL INSURANCE. I didn't have any claim experience so i cant able to commit on it, But i can say the process is good and easy. I applied in on line and i download the policy document as a soft copy.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 17, 2018
    • Reliance General Car Insurance
      "good experience"
      0.5 5.0/5 "Blown Away!"
      I had applied and got the Car insurance from RELIANCE GENERAL INSURANCE through a on line partner. Its a good experience. I didn't have any claim experience, so i cant able to comment on it. I can prefer on line payments to renew my policy which is an easiest payment type.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Feb 16, 2018
    • Reliance General Car Insurance
      "my requirement is not fulfilled"
      0.5 2.5/5 "Just OK"
      I had applied and got the Car insurance from private sector insurance company RELIANCE GENERAL INSURANCE. But I am totally dis satisfied by the policy coverage and benefits. I paid extra Rs. 300 when i applied for claim. They would not provided promised benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Reliance General Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Reliance. My final premium is around Rs. 5,164 and selected Idv is around Rs. 2,18,406. I am satisfied with the policy and their customer service, however the same policy I was getting for lesser amount I paid more premium for this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Reliance General Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Reliance. My final premium is around Rs. 5,164 and selected Idv is around Rs. 2,18,406. I am satisfied with the policy and their customer service, however the same policy I was getting for lesser amount I paid more premium for this policy. I made a claim too using this policy and it was fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 16, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a car insurance policy from Reliance. My final premium is around Rs. 5,164 and Idv is around Rs. 2,18,406. I am satisfied with the policy coverage, I did not face any kind of difficulty at the time of processing, their customer service is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • Reliance General Car Insurance
      "Below average"
      0.5 2.0/5 "Expected more"
      I have a car insurance policy from Reliance, my final premium is around 18,257 and Idv is around Rs.7,10,575. The policy is good But I haven't been told about the no claim bonus from customer service point of side of Reliance and other details.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 15, 2018
    • Reliance General Car Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I have a car insurance policy I have taken from Reliance. So far I am satisfied with the policy since comparative to other products I found it less expensive. The final premium I paid is Rs. 6089 and Idv is Rs. 2,55,000. Although Idv could have been more it would have been better.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 10, 2018
    • Reliance General Car Insurance
      "Satisfied with the features"
      0.5 5.0/5 "Blown Away!"
      Reliance Private Car Policy is the plan I have taken from Reliance general insurance. It is my car insurance and I have a good IDV. There are good features of the road side assistance and the premium is also good. There are no hassles in buying the policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • Reliance General Car Insurance
      "Easy Claim Process"
      0.5 5.0/5 "Blown Away!"
      I had three years of experience with Reliance for the car policy. My claim experience was also good, when my car board got bend slightly. Reliance got tie up with Hyundai service centers, I went there directly, they have registered the complain. The executive from Reliance came and approved the claim within 24 hours. I didn't take any initiative from my end, they completely processed my request and they had done a great job and I got vehicle within two days of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • Reliance General Car Insurance
      "Reasonable cost with good benefits"
      0.5 4.0/5 "Great!"
      I required better offer and better price for the car policy, I found Reliance is comfortable for me. I paid the premium around Rs. 6000 it has the tenure of one year. I took Reliance Private Car Policy its covers everything accidental, road side assistance. I am not sure about the third party cover. Reliance gave me the IDV value around Rs. 1.5 lakhs for my vehicle.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 02, 2018
    • Reliance General Car Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I have taken my car insurance with Reliance. The customer services was good. They have competitive rates for the premium which is one of the best factors I chose this company. The IDV is also good. There is also a road side assistance facility as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 01, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a car insurance policy from reliance and I am very much happy with the policy. My final premium is around Rs. 11,264 and sum assured to me is around Rs. 5,89,448. Based on premium I have chosen this policy which is low and they are providing roadside assistance as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 29, 2018
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