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  • 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
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I had used with the car insurance policy previously with Reliance General Insurance but i have not experienced much because i have not experienced with any claim. I am satisfied with the policy but i am not aware of the coverage they have provided to this policy.
      Was this review helpful? 0
      , hassan
      Reviewed on Sep 21, 2018
    • Reliance General Car Insurance
      "Fine policy"
      0.5 5.0/5 "Blown Away!"
      I pay the premium of Rs. 12000 for this policy. I have not remember about the IDV value. I have purchase the reliance car insurance policy in October month. They have provided the cashless garage and bumper to bumper. I have called the customer care service to know about the insurance policy details and the response was fine.
      Was this review helpful? 0
      , dapoli
      Reviewed on Sep 18, 2018
    • Reliance General Car Insurance
      "Fits to the premium amount"
      0.5 4.0/5 "Great!"
      In terms of the policy they have provided the policy coverage anyway i have not claimed anything. Last December i have purchased this policy Reliance has fulfilled all my requirements hence i have chosen this company for car insurance. I pay the premium of Rs. 12000 approximately. I have got a IDV value of Rs. 60 K. As per the requirement the premium is good for benefits like bumper to bumper and cashless garages.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2018
    • Reliance General Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason behind taking the car insurance policy through RELIANCE GENERAL INSURANCE but i have submitted the documents through online with hassle free process. Policy coverage they provided is for basic also the premium is nominal.
      Was this review helpful? 0
      ,
      Reviewed on Sep 17, 2018
    • Reliance General Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The specific reason for purchasing the car insurance policy with Reliance General Insurance because it is a best one than others and used for 2 years taken through showroom. They offered me with road side assistance too along with zero depreciation coverage. Premium is higher and i had a claim i got the 100% of reimbursement in this policy.
      Was this review helpful? 0
      , solapur
      Reviewed on Sep 17, 2018
    • Reliance General Car Insurance
      "Average policy"
      0.5 5.0/5 "Blown Away!"
      I have bought my car insurance policy in January. I have made a premium amount of Rs. 5000 approximately. They are not providing the cashless garage and bumper to bumper. They have offered me a IDV value of Rs. 2 lakhs. I'm not claimed so far with this company.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 17, 2018
    • Reliance General Car Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the car insurance with Reliance General Insurance is because my friend suggested this insurance. I have used this for 1 year where the premium is nominal added on that the coverage is for basic and they provided the road side assistance also for the glass breakage.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 17, 2018
    • Reliance General Car Insurance
      "Good advertisement about Reliance"
      0.5 3.0/5 "Satisfactory"
      Reliance service is working for all the days in a week however they are not providing the cashless facility. I have bought the reliance policy 3 years back. Because of the repeated advertisements in the Internet i have purchased the policy. They have provided me a IDV value of Rs. 3.5 lakhs. I have to pay the premium amount of Rs. 7000 approximately.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 12, 2018
    • Reliance General Car Insurance
      "Good company"
      0.5 4.0/5 "Great!"
      They have tie up with Hyundai motors. They have provided the 80% claim and i have to pay the depreciation amount. I have got my reliance car insurance policy last year. Through Hyundai i can avail all my service. I will give the vehicle to the garage and they will do all the service. I had a claim experience once. I just signed the papers and the dealer will get the charges directly from Reliance.
      Was this review helpful? 0
      , thrissur
      Reviewed on Sep 11, 2018
    • Reliance General Car Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have purchased the car insurance policy with RELIANCE GENERAL INSURANCE along with my car through showroom where they are providing with basic coverage with free of coast. I had no claim experience with this car insurance policy. They are not providing with any other benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2018
    • Reliance General Car Insurance
      "Good deal from Reliance"
      0.5 5.0/5 "Blown Away!"
      I have purchased this reliance car insurance policy in the month of February. Comparatively the cost was less and the offer was better when i compare with the other companies. Its totally a hassle free service from them. I have paid a premium amount of Rs. 6000. I have got a IDV value of Rs. 2 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 10, 2018
    • Reliance General Car Insurance
      "Economical policy"
      0.5 4.0/5 "Great!"
      I have got a best offer when i take my car insurance policy which is affordable to me. They have depreciated the cost the vehicle since its a 1 year. I have made a premium amount of Rs. 25000. In the month of January, i have bought this insurance policy. This is a basic plan policy.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 09, 2018
    • Reliance General Car Insurance
      "Low premium policy"
      0.5 4.0/5 "Great!"
      I have not yet contacted the customer care. As far as Reliance is concerned the premium was very less and the benefits of the policy was huge. I never claimed anything so far from this car insurance. They are providing the cashless garages, no claim bonus and road side assistance.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 09, 2018
    • Reliance General Car Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      My car insurance was purchased from Reliance. 4 months back, i have purchased this policy. I have made a premium amount of Rs. 40000. They are offering a IDV value of Rs. 7 lakhs. My friend has recommended about this policy to me. This is a first party insurance policy. I had claim experience in 2012 and they have given me a claim after 3 years. I had a bad experience with them.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 04, 2018
    • Reliance General Car Insurance
      "Fine policy"
      0.5 4.0/5 "Great!"
      The reason behind taking the policy from RELIANCE GENERAL INSURANCE is that they are providing me a lower cost when compared to the others. I have submitted the documents through online where the process is simple and easy. They provide me a road side assistance. The agent recommended me to take the policy. I'm yet to claim the policy
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 30, 2018
    • Reliance General Car Insurance
      "Very good child policy"
      0.5 4.0/5 "Great!"
      I have got my reliance car insurance policy 4 months back. I have paid the premium amount of Rs. 14000. I have called the customer care service to know the payment of the policy. They are offering a bumper to bumper, road side assistance and no claim bonus. They are providing the IDV value of 6 lakhs.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 20, 2018
    • Reliance General Car Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      The reason behind taking the policy with the RELIANCE GENERAL INSURANCE is that they are providing me a lower premium when i compared with the others. I had a claim and it is a fast process also it is a cashless they are providing me a basic things. The documentation that i have done it through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 18, 2018
    • Reliance General Car Insurance
      "BEST"
      0.5 5.0/5 "Blown Away!"
      I have compared the policies with one to the others so i came to know that this is the best one. they provided me a coverage of basic but there is a road side assistance is there in this policy. Premium and the IDV value were satisfactory to me with this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 18, 2018
    • Reliance General Car Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been taken my car insurance from RELIANCE GENERAL INSURANCE there is no particular reason behind it but i had a claim of 12k but it is not completely cashless where they have provided me a bumper to bumper also with good premium with nominal IDV.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 18, 2018
    • Reliance General Car Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken my cart insurance policy with the Reliance General Insurance where i have taken it through showroom along with the car. I had no claim experience also they have provided me a coverage of bumper to bumper added on that my car is fully insured.
      Was this review helpful? 0
      ,
      Reviewed on Aug 17, 2018
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