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About Reliance Car Insurance

Reliance general insurance is one of the best insurance companies with over 139 offices established across the country. A part of Reliance Group, Reliance general insurance offers a wide range of products in the insurance sector like motor, travel, health, and others. Reliance group has been one of the finest companies renowned for maintaining high quality and standards because of which it also received accolades for its quality management system and fine products. Offering one such fine product, Reliance General Insurance company’s car insurance brings joy for its customers in multiple ways.

Reliance Claim Settlement Ratio

99%

Reliance

94.67%

Industry Average

Car claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Reliance has a claim settlement ratio of 99%, as compared to the industry average of 94.67%.

Reliance Car Insurance Plans Overview

Reliance car insurance offers 3 car insurance plans. The premium of these plans starts from Rs. 1327/yr. Details of the comprehensive coverage provided by the following 3 Reliance car insurance plans are listed below:

Reliance Comprehensive Car Insurance

Starting Premium- ₹ 1,327/yr

There are types of Reliance Comprehensive plans

  1. Reliance Comprehensive car damage cover

Since it is mandatory to have a third party liability cover, Reliance ensures that apart from third-party liability, the policyholder gets coverage for own damage as well. It protects the vehicle against the risk of theft, fire, collision, etc. This policy provides all that an insurance policy should cover.The following coverage is provided under the Reliance car insurance plan

Reliance Own Damage Car Insurance

Starting Premium- ₹ 2,348/yr

There are types of Reliance Own damage plans

  1. Reliance Own liability cover

This cover protects the policyholder from the loss incurred due to the following

  • Man-made activities like fire, explosion, riots, strikes, theft, etc
  • Natural calamities like floods, earthquake, storms, typhoon, etc
  • Damage in transit on road, rail, airways, waterways, elevator or lift

Reliance Third Party Car Insurance

Starting Premium- ₹ 2,094/yr

There are types of Reliance Third Party plans

  1. Reliance Third-Party Liability

This cover protects the policyholder from any liability or costs arising out of damage to the third party. This covers any bodily injury, permanent disability or death and damage to the property of the third party.

Reliance Premium Calculator

Use our Reliance car insurance premium calculator to estimate Reliance car insurance premium for your car within 30 seconds

Add-ons Available Under Reliance Car Insurance Plans

Add-ons are additional coverage benefits which can be chosen voluntarily by paying an additional premium. Add-ons help increase the scope of coverage of the Car insurance policy. Reliance Car insurance plans offer the following types of add-ons with the comprehensive policy:

This bundle provides coverage to the policyholder against a personal loss like damage to the car, permanent disability or death, irrespective of the driver.It provides the following benefits:

  1. 100% of the capital sum insured under the policy fixed at Rs 10 lakhs will be given as compensation in case of death of the policyholder
  2. 100% of the capital sum insured under the policy fixed at Rs 10 lakhs will be given as compensation in case of permanent disability of the policyholder
  3. 100% of the capital sum insured under the policy fixed at Rs 10 lakhs will be given as compensation in case of loss of two limbs or both eyesight or loss of one limb and one eyesight
  4. 50% of the capital sum insured under the policy fixed at Rs 10 lakhs will be given as compensation in case of loss of one limb or one eyesight

Depreciation is the reduction in the value of the vehicle due to wear and tear. This add-on cover protects you against loss of depreciation and compensates the policyholder for depreciation except for tyre and tubes.This add-on includes:

  1. Covers private vehicles and allows a maximum of two claims during a policy year
  2. It provides coverage for the insured vehicle if the vehicle is repaired at authorized network garages in case of partial loss incurred
  3. It also provides a voluntary deductible option and compulsory excess

This add-on cover covers the expenses of the consumable items like nuts-bolts, grease, lubricants, screws, clips, bearings, AC gas, distilled water, engine oil, brake oil, fuel filter, oil filter, etc. with conditions

  1. This add-on cover is allowed for private vehicles twice during the policy tenure
  2. If repair is made in the network garage, then settlement will be made in case of partial loss

No Claim Bonus retention add-on cover helps in retaining the no claim bonus even if you make a claim. This add-on cover comes to rescue when the policyholder has a higher percentage of no claim bonus and the policyholder needs to claim for own damage. Things that one should keep in mind while opting for this add-on cover

  1. The minimum No Claim Bonus retention should be 25% of the vehicle’s value
  2. The policy should be renewed within 90 days of expiry
  3. One approved claim during a policy year
  4. Claim payment should be a minimum of 25% if the vehicle’s value

Reliance car insurance covers up to 3 EMI’s of the vehicle if the vehicle is in the authorized garage for repairs for more than 30 days with conditions

  1. EMIs will be paid if the vehicle is in repair
  2. Payment will be made directly to the financial institution
  3. Maximum of 3 EMIs will be covered
  4. If the repair time is more than 30 days
  5. Only applicable for partial claims

Features Of Reliance Car Insurance Plans

Benefits of Reliance Car Insurance Plans

Since an insurance policy is all about protecting the interest of the policyholder, Reliance car insurance provides several benefits to its customers,like

  1. Assisting the policyholders in times of emergency and provide them roadside assistance round the clock
  2. Quick settlement of claims to ease out the insurance experience of the policyholders
  3. It also offers instant renewals of the insurance policy without much hectic paperwork
  4. It also offers a wide variety of add-on covers to enhance the insurance coverage
  5. Reliance car insurance provides huge discounts upon usage at a specific location,installation of anti-theft device and others
  6. It provides comprehensive coverage and third party cover to safeguard the interest of the policyholder
  7. Instant policy issuance through online purchase
  8. Towing facility in case of breakdown and in case the vehicle cannot be repaired on-site
  9. Reliance car insurance offers insurance cover for both private and commercial vehicles

Features of Reliance Car Insurance plans

  1. Third-party coverage:Reliance car insurance provides third-party coverage which covers any damage or injury or death caused to the third party or any damage caused to the property of the third party
  2. No Claim Bonus :No claim bonus is the reward of making zero claims during a policy year. A No Claim Bonus helps in reducing the amount of premium upon renewal of the policy after a claim-free year. This discount increases with the number of years increasing without making any claim. The initial discount offered by Reliance car insurance for having a claim-free year is 20% and 25% for the two consecutive years of zero claims. This rate increases simultaneously
  3. Incurred Claim Ratio:Reliance car insurance has been one of the pioneers of car insurance and has one of the best-incurred claim ratios. The incurred claim ratio is explained as the ratio of claims settles to premiums earned in a year and Reliance has the current rate of 81.47% incurred claim ratio
  4. Personal accident cover :Reliance car insurance provides personal accident cover to the policyholder in case of permanent disability or death of the policyholder.It also offers personal accident cover for the driver and co-passenger as well
  5. Network Garages:Reliance car insurance has a network of more than 3700 certified garages which provide cashless service facility to the policyholder anywhere in the country. Designed to provide the policyholders best on-time services, Reliance cashless garage services ensure that you get the required services just when needed like on-sight vehicle service, towing facility to the nearest garage in case of breakdown, etc.

Exclusions Under Reliance Car Insurance Plans

Reliance car insurance does not include the following

  1. Normal wear and tear of the vehicle
  2. Consequential loss
  3. Mechanical and electrical damage
  4. Damage caused due to war, nuclear attack
  5. Damage caused due to the influence of drugs,alcohol

How To Raise A Claim Under Reliance Car Insurance

Reliance car insurance offers an easy claiming process to ease out the experience of the policyholders

In a few easy steps, one can apply for their insurance claim

  1. Call at Reliance toll-free number and intimate about the incident
  2. You will have to provide the following details in order to make the claim
    • Contact details
    • Car policy number
    • Name of the insured
    • Vehicle number
    • Make and model of the vehicle
    • Location and garage name
  3. The vehicle should be taken for repair only at the authorized network garage of Reliance
  4. An inspection will be done to ascertain the amount of loss and approve the claim. The repair should only take place after the inspection
  5. Customers should opt for cashless services for repairs as the bill will be settled by Reliance car insurance plans
  6. You will also have to submit a duly signed claim form, copy of the driving license, RC of the vehicle, copy of the FIR in case of accident and third party loss
  7. Produce original bill of receipt from the garage in case of not opting for cashless services, for reimbursement

Documents Required For Claims

Documents required for claiming insurance plans

  1. In case of an accident
    1. Document of the insurance policy
    2. Vehicle Registration and tax receipts
    3. Copy of the driving license
    4. Copy of the FIR
    5. Estimated repair
    6. Bills of repairs and other payments
  2. In case of theft
    1. Document of the insurance policy
    2. Vehicle Registration and tax receipts
    3. Copy of the driving license
    4. Copy of the FIR
    5. Vehicle keys, service book and warranty card, if any
    6. Letter of acknowledgement to RTO
  3. Exclusions in Reliance car insurance plans: Reliance car insurance does not include the following
    1. Normal wear and tear of the vehicle
    2. Consequential loss
    3. Mechanical and electrical damage
    4. Damage caused due to war, nuclear attack
    5. Damage caused due to the influence of drugs,alcohol

Reliance Customer Care

Customer Care Number

Reliance Car Insurance Renewal Process

Renewing Reliance Car Insurance Plans
Renewing Reliance car insurance is as easy as buying it

  • You can renew it online by visiting the official website and entering the existing policy details after clicking on the renew car insurance tab
  • Enter the details asked for the like vehicle registration number, name, contact number, etc. The calculated premium will be displayed
  • You will be redirected towards the payment page once satisfied, where you can make the payment online

Renew the Reliance car insurance through Turtlemint

If you have bought the insurance policy from Turtlemint, then you can renew your policy as well

  • Enter your vehicle registration number
  • Enter details asked like vehicle type, claims made in the previous policy
  • You have to enter the existing policy details after clicking on the ‘instant renewal’
  • Check the details of the premium
  • Make a payment online through your debit/credit card or net banking

FAQs

This policy provides 24*7 roadside assistance,towing facility up to Rs 1500, assistance in case of breakdown,and personal accident cover of up to Rs 10 lakh

The premium is decided based on the Insured’s declared value and cubic capacity.This also depends on the registration location,age, and type of vehicle.

Yes, No Claim Bonus can be transferred during renewal within 90 days. No Claim Bonus from the previous insurer can also be transferred at the same rate during renewal.

The policyholder will have to submit the surrender form and policy document.The refund will be directly deposited in the bank account after the successful proceeding.
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