"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
      "Satisfactory"
      0.5 4.0/5 "Great!"
      Reliance is overall good in the customer services. I have taken my car insurance policy from them. The response is good and they have offered me a good policy coverage and also there are features of a cashless garage too. The policy documents are also sent on time.
      Was this review helpful? 0
      , shimoga
      Reviewed on Jul 12, 2018
    • Reliance General Car Insurance
      "Good. Can provide a better policy coverage"
      0.5 3.0/5 "Satisfactory"
      My earlier insurance provider was Reliance. The customer support was good. I was able to buy my car insurance policy with ease. This year I did not renew the policy with them because they had a higher premium for a lower policy coverage. They need to work on that.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 10, 2018
    • Reliance General Car Insurance
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I have taken my car insurance with Reliance. The customer support is good. They have offered me a good policy coverage. There are benefits of road side assistance. The premium is also not costly. They have sent me the policy documents on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 06, 2018
    • Reliance General Car Insurance
      "Hassle free"
      0.5 4.0/5 "Great!"
      My car insurance policy is with Reliance. The customer services are good. The process was easy to buy the policy online. The coverage they have offered is good and they also have a road side assistance too. The premium is normal and I am okay with the overall experience.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 05, 2018
    • Reliance General Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I got through the online which is completely a paperless. I had no claiming experience with my car insurance. I have been using since 2months. Road side is there in my insurance. B to B is there. Premium is lower. The reason that why i have taken this insurance is that the lower premium.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 12, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken the car insurance from Reliance General Insurance. The premium was reasonable. I received the documents on time without any delay. At the time all the benefits has been informed. I have no claim experience for the policy.
      Was this review helpful? 0
      , hassan
      Reviewed on Jun 11, 2018
    • Reliance General Car Insurance
      "BETTER"
      0.5 5.0/5 "Blown Away!"
      It was fine insurance that am holding from the RELIANCE GENERAL INSURANCE. I have been holding since January 2018. I had no claim. Premium is 4800 and it is normal. Coverage i have no idea. May be b to b may cover from my insurance. Documents i have done it through the on line. Payment i do through on line.
      Was this review helpful? 0
      ,
      Reviewed on Jun 10, 2018
    • Reliance General Car Insurance
      "Need to be more clear in the details provided"
      0.5 2.0/5 "Expected more"
      I earlier had my car insurance with Reliance. They need an overall improvement in the benefit and also in the premium they were charging. The IDV was also not very satisfactory. Most of all they were not transparent and clear in the details provided.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 07, 2018
    • Reliance General Car Insurance
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      It is a paperless approval i have got for my car insurance. It is a average policy. I had no claiming experience. I have been holding for the first time. It is the good so i took this insurance. Coverage is for theft and also it covers everything in my insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 06, 2018
    • Reliance General Car Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      It was my spouse who purchased the policy with Reliance general insurance for the car insurance. It was overall a good process and there were no difficulties in buying the policy. The payment could also be paid conveniently. The IDV is also good
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 03, 2018
    • Reliance General Car Insurance
      "BETTER"
      0.5 4.0/5 "Great!"
      It is a very good experience. No claiming i had so far. Documentation i did through the on line. Coverage is not fro bumper to bumper. I have not yet contacted the customer service. IDV value i have no idea regarding that. I have been using since January.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jun 03, 2018
    • Reliance General Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      Reliance was pretty good in the services and I was able to connect with the agent in person to sort out my queries. It is better than a online process because I do not have the time to get online or to see whom I contact to sort out my clarifications. This is not the case with Reliance, the response is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 29, 2018
    • Reliance General Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      Actually the thing that i have taken this insurance is for security reason. I had no claim experience. Policy coverage is good. I had taken insurance for my new car i got my insurance from showroom. I have been renewing yearly once. On line i do payment for once a year for my insurance.
      Was this review helpful? 0
      , amalapuram
      Reviewed on May 27, 2018
    • Reliance General Car Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      I Have taken car insurance from Reliance general insurance , it has good coverage policy . It has cashless garages and road side assistance is available .Its good policy with low premium rate . Their customer service and their response is good.Overall am satisfied with insurance policy.
      Was this review helpful? 0
      , thane
      Reviewed on May 23, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Has taken car insurance from reliance general insurance . There service and response is good . It has the claim ration of 80% . The premium amount is convincing one . It has good benefits like cashless garages , road side assistance . I pay annually through online payment .
      Was this review helpful? 0
      , thane
      Reviewed on May 23, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I Have taken car insurance from Reliance general insurance , it has good coverage policy . It has cashless garages and road side assistance is available .Its good policy with low premium rate . Their customer service and their response is good. i have claimed once their customer service response were quick for claim process.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2018
    • Reliance General Car Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      With my overall experience with the RELAIANCE is very good. In future i will going only with this insurance. The customer service is very good and also added on that they are responsive to the customers. Using since 4 years but i have no claim experience, policy coverage is for 1 year.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on May 22, 2018
    • Reliance General Car Insurance
      "Good Claim Experience"
      0.5 5.0/5 "Blown Away!"
      I have claimed the policy once, their response is good. In Reliance, 100% claim is available. Bumper to Bumper also available. In all the showroom and dealer, they are providing cashless garages. I have claimed around Rs. 50 K. Claim process was very good.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • Reliance General Car Insurance
      "Better Experience in Reliance"
      0.5 4.0/5 "Great!"
      The service is not up to mark. They did not remind me about the renewal. I have paid around Rs. 15000. They have provided 100% claim amount and only 50% claim on plastic things. Claim bonus were available if I'm not claimed anything. They must send the renewal notifications to mail or mobile to increase their business.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      For the brand reliance, I have taken the Car insurance policy from Reliance. I'm not avail any facility till now. Once i avail, i can say more about it. I have paid Rs. 4700 as premium for my WagonR. Bumper to Bumper and road assistance is available.
      Was this review helpful? 0
      , delhi
      Reviewed on May 19, 2018
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