Reliance Car Insurance is a motor insurance product offered by Reliance General Insurance Company Limited, an IRDAI-registered insurer (Reg No. 108) in India. It provides financial protection against accidents, theft, third-party liabilities, and damage caused by natural or man-made calamities. Known for its wide network presence and digital services, Reliance Car Insurance offers both comprehensive and third-party coverage options for car owners across the country.
Reliance General Insurance is a private general insurance company in India operating under the guidelines of the Insurance Regulatory and Development Authority of India (IRDAI). Established in 2000, it is part of the Reliance Group and offers a wide range of general insurance products, including motor, health, travel, and home insurance, catering to diverse protection needs across the nation. Among leading car insurance companies in India, the company has built a strong motor insurance portfolio with pan-India reach, supported by a network of over 11,000+ cashless garages that facilitate convenient vehicle repairs and hassle-free claims.
Reliance General Insurance Company has recently become part of the IndusInd International Holdings (IIHL Group). This change does not impact existing policies or services, and customers can expect continuity in operations alongside gradual updates to official communication channels.
Reliance Car Insurance is designed for today’s drivers who expect convenience, flexibility, and reliable support at every step. With a strong digital backbone and customer-first approach, Reliance continues to be a preferred choice among 5 crore+ policyholders across India. Following are some of the major reasons to choose Reliance Car Insurance.
Reliance offers access to 11,000+ cashless garages across India, ensuring hassle-free repairs and faster claim settlements wherever you travel.
Choose from a wide range of policies, including Third-Party, Comprehensive, Standalone Own Damage, and Pay-As-You-Drive plans, allowing you to select coverage based on your driving needs and usage.
With 13+ add-on options, including engine protection, zero depreciation, roadside assistance, and EV-specific add-ons, Reliance lets you customise your policy for enhanced protection.
Buy, renew, manage policies, and download documents seamlessly using the Self-i mobile app or online platform—no paperwork, no delays.
Reliance uses AI-enabled video inspection and digital claim assessment, helping customers file claims instantly and receive quicker approvals.
Get round-the-clock support for breakdowns, towing, flat tyres, battery issues, and more—anytime, anywhere in India.
With video-based claim intimation and real-time tracking, Reliance ensures faster settlements and greater transparency throughout the claim process.
Here are car insurance plans by Reliance General:
This is Reliance General’s mandatory liability-only car insurance plan, designed to meet IRDAI requirements while offering reliable legal protection.
Covers third-party injury, death, and property damage
Available with long-term policy options (up to 3 years)
Quick policy issuance through digital channels
Backed by Reliance’s nationwide service infrastructure
Best suited for car owners looking for legal compliance at a lower cost.
This is Reliance’s most popular car insurance plan, offering complete protection for both your car and third-party liabilities.
Covers accident damage, theft, fire, floods, and vandalism
Supported by 11,000+ cashless garages across India
Compatible with 13+ add-on covers, including EV-specific options
Digital claim initiation through the Self-i app
Ideal for car owners who want all-round protection with flexibility.
This policy is designed for customers who already have third-party insurance and need protection only for their own vehicle.
Allows customers to keep TP insurance from another insurer
Covers accidental damage, theft, fire, and natural calamities
Supports add-ons like engine protection and zero depreciation
Faster claim processing via video inspection
Suitable for customers switching insurers or renewing selectively.
Reliance’s usage-based car insurance plan is designed for low-mileage drivers.
Premium depends on kilometres driven
Ideal for secondary cars or limited usage vehicles
Helps reduce insurance costs without reducing coverage
Usage is tracked digitally via Reliance’s system
A smart option for urban users who drive occasionally.
This plan allows customers to purchase car insurance for multiple years at once.
Available for both third-party and comprehensive coverage
Protects against yearly premium hikes
Eliminates renewal hassles
Continuous coverage ensures uninterrupted NCB benefits
Best for car owners who prefer long-term peace of mind.
Reliance Car Insurance Custom Add-Ons When compared to other car insurance companies, Reliance provides a huge number of add-ons to customise your policy, especially for EVs. Here are the customised add-ons offered by Reliance Car Insurance.
This usage-based add-on lets you pay your premium based on how much you drive, with kilometre slabs ranging from 2,500 to 10,500 km. It includes a 125 km grace limit and an optional 500 km top-up, so your coverage doesn’t stop suddenly. Ideal for low-usage drivers, work-from-home professionals, or households with multiple cars.
This add-on covers the full cost of plastic, rubber, and fibre parts without depreciation deductions. Unlike standard policies, where depreciation can cut your claim amount by up to 50%, this cover ensures you receive 100% claim value for eligible parts. Available for cars up to 7 years old, it’s especially useful for expensive exterior repairs.
In case of total loss or theft, this add-on reimburses the original invoice value of your car, not just its depreciated IDV. It also covers road tax, registration charges, and insurance cost, ensuring you can replace your car without financial loss.
This cover pays for consumables such as engine oil, brake fluid, nuts, bolts, grease, and coolant, which are usually excluded from standard policies. Since these costs add up during repairs, this add-on helps significantly reduce out-of-pocket expenses.
Designed for high-risk scenarios like floods or oil leaks, this add-on covers engine and internal component damage caused by water ingress or lubrication failure. It includes repair or replacement costs and works on a cashless basis at network garages.
Covers the cost of replacing lost, stolen, or damaged keys, including smart key reprogramming. This is particularly useful for cars with push-start systems, where replacement costs can be high.
This add-on covers repair or replacement of up to 4 tyres per policy year, including labour and consumables. Claims under this cover do not affect your No Claim Bonus, making it ideal for Indian road conditions.
Protects alloy or steel rims against damage caused by potholes, curbs, or accidents. Whether factory-fitted or aftermarket, rim repairs and replacements are covered without impacting your NCB.
Get round-the-clock support for towing, battery jump-starts, flat tyre replacement, fuel delivery, and on-site repairs. Assistance can be requested via the Self-i app or helpline.
Covers theft of valuables such as laptops or mobile phones from a locked car. This add-on is ideal for professionals who frequently carry personal items.
If your car stays at an authorised garage for more than 3 days, you receive a daily cash allowance to cover travel costs like taxis or public transport.
Covers your car loan EMIs if your vehicle is under repair for 21, 42, or 63 days, depending on your plan, easing financial stress during long repair durations.
Allows you to retain your NCB even after making up to 2 claims in a policy year, ensuring your premium savings remain intact.
Protects aftermarket electrical fittings such as music systems, cameras, GPS units, and parking sensors that are not covered under standard insurance.
Covers damage to EV motors, transmission units, and internal components caused by water ingress, electrical failure, or coolant leakage.
Covers repair or replacement of EV batteries costing ₹3–7 lakh, including damage due to flooding, power surges, or thermal failure.
Extends your car insurance coverage to six neighbouring countries: Nepal, Bhutan, Bangladesh, Pakistan, Sri Lanka, and the Maldives.
Protects your home or portable EV charging unit against damage caused by power surges, fire, theft, rodents, or electrical faults.
Knowing the exact scope of coverage helps Reliance car insurance policyholders make informed decisions at the time of purchase and claim.
Damage to your car due to accidents, collisions, or rollovers, with repairs supported through Reliance’s 11,000+ cashless garage network.
Theft of the insured vehicle or compensation in case of total or constructive total loss.
Loss or damage caused by natural events such as floods, cyclones, earthquakes, landslides, and storms.
Damage arising from man-made incidents, including fire, explosion, riots, strikes, vandalism, or malicious acts.
Legal liability for third-party injury, death, or property damage as per IRDAI motor insurance guidelines.
Owner-driver personal accident cover included in the policy.
Digital and video-based claim assessment through the Self-i app for faster approvals.
Enhanced protection through Reliance-specific add-ons such as Pay As You Drive, engine protection, tyre cover, rim cover, and EV motor and battery protection, if opted for.
Regular wear and tear, ageing, depreciation, or routine servicing costs of parts like tyres, clutch, or brake pads.
Mechanical or electrical failures not linked to an insured accident, unless covered under a specific add-on.
Damage occurring when the vehicle is driven under the influence of alcohol or drugs.
Claims where the driver does not hold a valid or appropriate driving licence.
Losses resulting from unauthorised usage such as racing, speed testing, or commercial use when insured privately.
Consequential or indirect losses such as loss of income, delay-related expenses, or reduction in vehicle value.
Repairs carried out without prior approval or at non-authorised garages when cashless repair is required.
Losses related to accessories, engine damage, tyres, rims, or personal belongings unless the respective add-on cover is selected.
Damage occurring outside the covered geographical area unless the Geo Extension add-on is purchased.
NOTE: Coverage may vary based on the type of Reliance car insurance policy chosen and the add-ons selected. Policyholders should always review the policy wording for complete details.
If you wish to buy car insurance from Reliance, you could do so through their website or through Coverfox. To purchase or renew from Coverfox, follow these steps:
Select car insurance from the retail insurance tab on this page
Enter your car details
Once you hit View Quotes, you will be shown a list of insurers
From the drop-down list, Select Reliance Car Insurance
Construct your car insurance policy as per your needs and pay the fees
Your car insurance policy will be emailed to you instantly
Reliance Car Insurance claim process can be done with ease and completely online, allowing policyholders to report and track claims quickly with minimal paperwork.
Inform Reliance General Insurance immediately by calling the 24×7 customer support helpline or by initiating the claim through the Self-i mobile app.
Share basic incident details such as policy number, vehicle registration number, date, time, and location of the accident.
Complete the video-based self-inspection using the Self-i app by uploading guided photos or videos of the damaged vehicle.
Choose between cashless repairs at one of Reliance’s 11,000+ network garages or opt for reimbursement at a garage of your choice.
Submit the required documents digitally, including RC, driving licence, FIR (if applicable), and repair estimate.
Once approved, Reliance settles the repair cost directly with the garage for cashless claims or reimburses the amount after verification.
Track claim status, approvals, and updates in real time through the Self-i app or customer support channels until settlement is completed.
Reliance Car Insurance offers the convenience of cashless repair claims at over 11,000+ authorised garages across India, helping policyholders avoid upfront payments and reduce out-of-pocket expenses. Policyholders can easily locate the nearest cashless garage using the Reliance Garage Locator on the official website, the Self-i mobile app’s GPS-based search feature, or by calling customer support for assistance. These tools let you quickly find garages by city or PIN code, helping you choose a convenient workshop for repairs.
Here are direct links to Reliance General Insurance cashless garage lists for key cities:
+91 22 4890 3009 (available for policy queries, renewals, endorsements, and servicing)
1800-3009
+91 74004 22200
+91 22 3383 4185
Primary support email: services@indusindinsurance.com (updated official email). (Previously used email: rgicl.services@relianceada.com — still accepted during transition.)
App: Reliance Self-i App (Android/IOS)
Address: Reliance General Insurance, Correspondence Unit, 2nd & 3rd Floor, Winway Building, 11/12, Block No-4, Old No-67, South Tukoganj, Near Madhumilan Square, Indore, Madhya Pradesh, India - 452001
Paid Number: +91 22 48903009
Sr. Citizen helpline number: +91 22 33834185
WhatsApp Number: 7400422200
Level 1 – Nodal Officer: First escalation: Call +91 22 4890 3009 or email services@indusindinsurance.com for unresolved issues.
Level 2 – Head of Grievances: If unresolved, email the Nodal Officer at grievances@indusindinsurance.com.
Level 3 – Further Escalation: If still unresolved, escalate to Head – Grievances at headgrievances@indusindinsurance.com.
Follow-Up: If your grievance remains unaddressed after the above steps, you may approach the Insurance Ombudsman for resolution under IRDAI guidelines.
Official Grievance Redressal Page: https://www.reliancegeneral.co.in/insurance/about-us/grievance-redressal.aspx
Source: https://www.reliancegeneral.co.in/insurance/about-us/contact-us.aspx
Disclaimers
* Savings are based on the maximum discount provided on own damage premium as offered by our car insurer partners.
** Price for a basic third-party car insurance for a car under 1000 CC for 1 year policy, set by IRDAI (Excluding GST).
Reliance offers Third-Party Car Insurance, Comprehensive Car Insurance, Standalone Own Damage Cover, Long-Term Policies, and Pay-As-You-Drive (Limit Pay Sure) plans, along with a wide range of add-ons including EV-specific covers.
You can renew your Reliance car insurance online via the official website, through Coverfox or the Self-i app by entering your vehicle details, verifying policy information, selecting add-ons if needed, and completing payment digitally.
Policy status can be checked online through the Reliance General Insurance website, Coverfox website or the Self-i mobile app using your policy number or registered mobile number.
There is no fixed limit on the number of claims in a policy year; however, making a claim may impact your No Claim Bonus, unless you have opted for the NCB Retention add-on (which allows up to 2 claims).
Reliance accepts credit cards, debit cards, net banking, UPI, and other digital payment methods for policy purchase and renewal.
Log in to the Reliance General Insurance portal or Coverfox, where you can view policy validity, coverage details, claim status, and download documents instantly.
Yes, NCB is transferable when you switch insurers or sell your car, provided a valid NCB certificate is submitted and the policy is renewed within the permissible time.
You can download your policy document instantly from the email you receive after purchasing the policy, through Coverfox or their official website.
Yes, Reliance offers Pay-As-You-Drive (Limit Pay Sure), a usage-based plan where premiums are linked to kilometres driven, with slab options, grace kilometres, and top-up flexibility.
