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Reliance Car Insurance

Brand Reliance needs no introduction. The company, over years, have earned credibility, reputation and market standing through quality and consistent service. Under the able guidance and leadership of Late. Shri. Dhirubhai Ambani, the company has managed to acquire major market shares in almost all sectors.

Reliance General Insurance is one of the largest general insurance companies in India with an extensive customer base ranging from individuals, corporates and SMEs. With more than 139 offices across India, Reliance General Insurance has spread wings faster than anticipated. The company claims to satisfy all your insurance related needs with outstanding customer service clubbed with innovative products.

Reliance Car Insurance - Features

  • Free 24/7 Anywhere Assist service in case of emergency

  • Instant renewal without any paperwork

  • Cashless claim settlement across 2300+ garages across India

  • Attractive Add-on covers

  • Quick and hassle free claim settlement

  • Attractive discounts on offer

What it Covers?

Reliance car insurance provides you a comprehensive coverage against:

  • Man-made disasters like Accident, Fire, Explosion, Terrorism, Theft, Riot & Strikes and/or Malicious Acts, etc.

  • Natural calamities like Lightening, Earthquake, Flood, Cyclone, etc.

  • Transit by Rail, Road, Air & Elevator

  • Any liability arising out of losses/damage to Third Party

What it Doesn’t Cover?

While the car insurance policy provides a detailed coverage against any losses to your own car and any third party involved, there are certain aspects that are not covered.

  • Usual wear-and-tear of the car

  • Mechanical and electrical breakdown

  • Cars being used for purposes other than in accordance with the limitations as to use. For example, if you use your private car for any commercial purpose.

  • Damage to / by person driving without a valid driving license

  • Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance

  • Loss or damage due to depreciation of the car's value

  • Loss or damage due to war or nuclear risks

  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered.

  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

Add-Ons on Offer

Add-ons are basically designed to provide an all-inclusive coverage against possible causes of damage or losses to your car. If chosen wisely, add-ons can complement your vanilla car insurance policy to offer you maximum coverage and peace of mind. Some of the add-on features offered by Reliance car insurance are as below:

  • NCB Retention: This feature is offered to any private car that is 2 years old and above that can help you retain your earned NCB (No Claim Bonus) in spite of any claim in the previous year. Without this cover, your NCB would drop to 0% with a claim.

  • Personal Accident Bundle Cover: When you choose to opt for this cover, you will be insured against Death and Permanent Total Disablement in case of an accident caused anywhere in the world irrespective of who is driving the car.

  • Zero Depreciation Cover: Consumables Cover & Engine Cover is offered as a part of this comprehensive cover. It provides extensive cover against the costs of replacement of certain parts like plastic, fibre, etc. along with other consumables used like nuts & bolts, lubricants, etc. Engine cover protects you against any costs involved in the repair of the car’s engine due to damages done by water ingression or leakage of lubricating oil.

  • Key Protect Cover: If you have opted for Key Protect Cover, expenses towards replacing or repairing of the car keys and/or locks and/or lockset including the locksmith’s charges will be covered due to theft or burglary or loss of/damage to the keys, lock or the lockset.

Discounts Offered

As a car insurance consumer, you are entitled to certain discounts that will help you reduce premium.

  • NCB (No Claim Bonus): No Claim Bonus Discount is offered on your car insurance premium in appreciation of claim free years. It starts with 20% and can go as high as 50% over subsequent claim free years.

  • Installing Anti-Theft Devices: If you have installed Anti-Theft Devices in your car that are approved by ARAI (Automobile Research Association of India), you are entitled for an additional discount.

  • Membership of the Automobile Associations of India: A membership to any of the Automobile Associations of India will give you extra discounts to trim your car insurance premium.

  • Voluntary Deductible: You have an option to select Voluntary Deductible amount as per your affordability to bear the part of the claim. Higher the Voluntary Deductible, higher will be the discount on premium.

How to Claim?

To make the entire claim settlement process convenient and hassle-free for their customers, Reliance General Insurance has set certain guidelines to be followed. You can raise the intimation for the claim by calling their Toll Free Helpline No 1800 3009 as soon as the accident/incident occurs.

If you are looking for a cashless settlement, you need to take your car to any of the garage/service centre that has a tie up with the company. The claim will be directly settled with the garage after the necessary survey of the car and subsequent repairs. In case of reimbursement of claim, you must first pay for the repair charges and then submit the bills and claim form to the surveyor/company for settlement.

Why Reliance Car Insurance?

If you own a car, you have no option than insuring it appropriately. If not a comprehensive plan, it's mandatory by law to insure your car with at least Third Party Liability cover. Reliance General Insurance offers comprehensive insurance cover to private car owners. With an option to opt for additional covers, this company can be a one-stop shop for all your car insurance requirements.

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With exceptional customer service paired with transparent pricing and innovative products, Reliance General Insurance is definitely one of the top players in general insurance category. The Anywhere Assist app is a significant feature launched to tackle any emergency situations where finding help at hand can be quite awful. In all, if you are looking to buy car insurance coverage that provides comprehensive coverage, Reliance General Insurance should be in your top 5 list.

Questions? Here are your answers…

1) What are the key features of Reliance car insurance policy?

Apart from dedicated helpline and exceptional customer service, Reliance car insurance offers 24/7 assistance in case of breakdown or any such emergencies. The premium rates are quite competitive with attractive discounts and transparent pricing.

2) Can I renew my car insurance policy online? Am I eligible for any discount if I renew my car insurance online?

Yes. You can certainly renew your car insurance policy online. There’s no discount as such for an online renewal however befits are totally valuable. Apart from the platform to calculate the premium and compare it against various insurers, the hassle free transaction clubbed with convenience is something you can only expect if you are buying the plan online.

3) Is my No Claim Bonus earned transferable? At what rate can I transfer my NCB?

Yes. NCB is transferable. If for any reason you wish to switch to Reliance car insurance from your existing insurance company, you can transfer your NCB at the time of renewal. Your prevailing NCB can be transferred to your new policy as per your eligible rate.

4) What is Constructive Total Loss?

If the cost of repair of your car is more than its current market value, it’s termed as Constructive Total Loss.

5) I am moving from Kolkata to Mumbai shortly, what will happen to my car insurance policy?

Well, nothing much. The car insurance policies are valid across India so except from changing the correspondence address in your policy, your move will not make any major impact on your coverage.

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