"Spending a whole day looking for insurance is fun," said nobody, EVER!
Loading your search...
Close

Give us a little info & we'll find the best Car Insurance offers for you.

  • 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
      "Looking for better offer"
      0.5 5.0/5 "Blown Away!"
      I found Reliance car policy is costly than other insurance company, In last year they have allocated good insured value for my vehicle but I have not used it hence they gave me no claim bonus during renewal of other insurance policy, it would be great if they reduce the amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 31, 2018
    • Reliance General Car Insurance
      "Good policy but no claim experience"
      0.5 4.0/5 "Great!"
      At the time of purchase of car, the dealer has provided me a policy with the reliance which is a comprehensive policy. They have covered for only 80% for all the parts except plastic items. I never claimed anything with this company. The dealer done all the documentation part. Nearby my location many garages were available. This is a first party insurance which covers for the driver, car and the passengers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 30, 2018
    • Reliance General Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      Reliance car insurance policy is bit higher in their premium amount. My dealer has provided the car insurance policy when i purchase my car. Painting is not covered for 100%. Its covers only 50%. They have provided the bumper to bumper facility. I have paid a premium amount of Rs. 14500. When i asked about the scratches in my car i have to pay Rs. 1500 balance amount it will be claimed.
      Was this review helpful? 0
      , virudhunagar
      Reviewed on Oct 30, 2018
    • Reliance General Car Insurance
      "No issues with Reliance policy"
      0.5 3.0/5 "Satisfactory"
      I have spent more than Rs. 30000 for my policy amount and i have not made any claim so far with Reliance. The showroom people has suggested me to take the car insurance policy with Reliance when i purchased the vehicle. They have provided the cashless garages facility also. I have to pay the money from my pocket and i have to do re-imbursement if i apply for any claim.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 29, 2018
    • Reliance General Car Insurance
      "Good Policy to use"
      0.5 5.0/5 "Blown Away!"
      I had been purchased the car insurance policy 6 months before. I had been paying the premium amount of Rs. 30000 and for that they have provided me the satisfied coverage amount. They have provided the bumper to bumper facility but i have not received the no claim bonus, road side assistance. I have not faced any issues with them.
      Was this review helpful? 0
      , patna
      Reviewed on Oct 29, 2018
    • Reliance General Car Insurance
      "Need to improve the services"
      0.5 3.0/5 "Satisfactory"
      Through online, i have purchased the car insurance policy with Reliance. When i purchased the policy, the premium amount was cheaper. I made a premium amount of Rs. 10 K and they have given me a coverage amount of Rs. 4 lakhs. They are giving a facilities of road side assistance and no claim bonus. When i apply for the online renewal, the response was poor and since i was unable to renew, i have not continued with the same company.
      Was this review helpful? 0
      , pollachi
      Reviewed on Oct 29, 2018
    • Reliance General Car Insurance
      "Premium is high"
      0.5 3.0/5 "Satisfactory"
      I have not applied for any cashless facility for my car. Since the policy is very costly and i can't bare that much amount i have not go through with the same company. The premium amount was bit costly compared to others. I have purchased the policy through online and the documentation process was easy and I'm happy about the coverage amount what they have provided to me.
      Was this review helpful? 0
      , bhiwandi
      Reviewed on Oct 29, 2018
    • Reliance General Car Insurance
      "Just Good policy"
      0.5 3.0/5 "Satisfactory"
      I never need of any claim with Reliance since my car was not met any accident. They have a very good garagges. All the company is having a similar plans hence i have chosen the Non zero depreciation policy since my car is more than 5 years old. I could not avail the comprehensive policy so i took reliance.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 28, 2018
    • Reliance General Car Insurance
      "Better company for claim"
      0.5 4.0/5 "Great!"
      I have not faced any problems with the customer care service. I had a very good smooth claim experience. They have offered me a claim amount of Rs. 35000. My friend has recommended me about the Reliance policy. I have got the coverage amount of Rs. 3.5 lakhs. I have received the road side assistance and bumper to bumper facility.
      Was this review helpful? 0
      , meerut
      Reviewed on Oct 26, 2018
    • Reliance General Car Insurance
      "Keep up the market and mentioned the value for the policy"
      0.5 3.5/5 "Pretty good"
      Last year i had a car insurance policy with Reliance. This year they have increased the premium amount hence i have gone to some other company. Their customer care service is too long. I had a claim experience once. Its a zero dep policy hence i have to pay the minimum amount. The claim experience was good and they have processed my claim within 3 days.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 23, 2018
    • Reliance General Car Insurance
      "Good Insurance company"
      0.5 4.0/5 "Great!"
      Reliance is a good insurance company which has lot of network across in India, happy about the features premium and coverage, Overall I am satisfied with Reliance car policy which I have taken for my Maruthi suzuki alto car for the tenure of one year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 15, 2018
    • Reliance General Car Insurance
      "Good Policy which is not prescribed"
      0.5 4.0/5 "Great!"
      I'm not able to talk with a proper person for a claim. When i taken the claim, I'm unable to see the claim process at what basis they are providing. After end up with all the things i have to pay Rs. 9000 from my pocket. I have a coverage upto Rs. 5 lakhs a IDV value. They have not covered for the bumper to bumper. I'm inconvenienced with the policy
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2018
    • Reliance General Car Insurance
      "Better IDV value compared to others"
      0.5 4.0/5 "Great!"
      I have not availed any facility till now. It was purchased in the month of January. My car insurance policy taken from the Reliance. It was more than Rs. 5000 as a premium amount. Basically its giving a good IDV value and the premium was less hence i chosen this policy. Overall, I'm satisfied with the policy so far.
      Was this review helpful? 0
      , meerut
      Reviewed on Oct 14, 2018
    • Reliance General Car Insurance
      "Recommendable policy"
      0.5 3.0/5 "Satisfactory"
      The insurance cost was high compared to last year and they have not provided any discount to me. They have to hold the existing customer. The service is fine and the response from the customer care is not up to the mark. Even though its a bumper to bumper they have not given 100% coverage when i applied the claim. They have charged me Rs. 3000 for the paint purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 14, 2018
    • Reliance General Car Insurance
      "Claim process and settlement should be improved"
      0.5 2.0/5 "Expected more"
      I took basic policy with Reliance, luckly I didn't go for claim. What ever feedback I got from friend about that insurer. They didn't good feedback about the claim process, I had two years of experience but the customer service is helpful. They have kind of things which has control coverage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2018
    • Reliance General Car Insurance
      "Bad experience with Reliance"
      0.5 1.0/5 "Really Bad"
      I'm not satisfied with the reliance company. Their staffs are horrible and their is no respect for the customer. I had a very bad experience with them. They are negotiating with the inspection officer for the claim. As per the depreciation, they have to honor. I'm not satisfied with the coverage amount as well as the claim amount.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 12, 2018
    • Reliance General Car Insurance
      "Best Policy"
      0.5 4.0/5 "Great!"
      So far i have not availed any facility. In February, i have taken my car insurance policy. I have seen the many policies and i chosen this company because i found this is the good policy. Its around 1.80 lakhs, they have given me a coverage amount and I'm satisfied with it. Through online, i have completed the documentation process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 12, 2018
    • Reliance General Car Insurance
      "Average Policy"
      0.5 4.0/5 "Great!"
      The customer care service center is not upto the mark. Because of the cheaper rate i have selected the reliance car insurance policy. The claim experience is okay. After applied the claim, within 4 days i come to know that whats the claim amount and the money was credited after 2 weeks. Their service agent is not die up with many garages and this has to be improved.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 12, 2018
    • Reliance General Car Insurance
      "Cheap and Best"
      0.5 5.0/5 "Blown Away!"
      I availed this car policy based on the settlement ratio, its best in the market, they are providing protection for engine, glass and plastic parts. The premium is also economical with better value and better coverage. But I didn't deal with the customer service for any issue.
      Was this review helpful? 0
      , hariana
      Reviewed on Oct 11, 2018
    • Reliance General Car Insurance
      "Need scope of improvement"
      0.5 1.0/5 "Really Bad"
      On 2012, My card got damaged at the time I was holding Reliance policy. At the time of purchasing policy they told I will be getting cash less service during claim. But when I approached them for the claim process, they didn't give the cash less benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 11, 2018
    Common Loader Icon