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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 107.49%
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