Can Insurance Company Not Insure Car if Not Repaired
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Car Insurance Premium Estimate The above mentioned premium is exclusive of taxes and is an estimate based on the assumption that there has been no break-in and claim made in any of the previous policies. Car Insurance MainProductImage KeyFeatures Car insurance, also known as auto or motor insurance is an insurance policy that protects you against losses incurred if your car gets damaged from unforeseen events like an accident, theft, natural or man-made disaster. Car insurance also provides you with a financial shield in case any damage is done to a third-party person or property. Wha t a re the Benefits of Car Insurance? **Based on internal assessment for the time period : April 2019 to March 2020 C o mparison of Car Insurance Plans Features Comprehensive Car Insurance Policy Own Damage Car Insurance Policy Third Party Car Insurance Policy Damage to your own vehicle Covered Covered Not covered Damage Due To Fire Covered Covered Not covered Damage Due To Natural Causes Covered Covered Not covered Theft Covered Covered Not covered Damage To Third-Party Vehicle Covered Not covered Covered Personal Accident Cover Optional Add-on Optional Add-on Optional Add-on NCB Protection Optional Add-on Engine Protection Optional Add-on Not Covered Return to Invoice Cover Optional Add-on Not Covered It is crucial for car drivers to know and understand the features of car insurance to make the most of it. This policy covers any bodily injury or death or property damages of any third party that may arise out of an accident with your insured car. The Motor Vehicle Act mandates having this car insurance policy for every car owner, and in its absence, you will have to pay a penalty if caught by the traffic police. The policy does not cover any damage that is done to your vehicle. Comprehensive Car Insurance policy protects you and your vehicle against a number of risks along with third-party liabilities. Any damage caused to the vehicle due to an accident, theft, natural calamity or man-made disaster is covered. Likewise, the death of the driver and/or passengers inside the vehicle in the event of an accident are covered. Though not a mandatory policy, it is advised to have comprehensive car insurance coverage for your vehicle. IDVor the Insured Declared Value of your car is the sum you can claim in case of total loss or damage to your car. IDV is calculated on the basis of its depreciation rate. Calculated basis manufacturer's listed selling price after deduction of depreciation as per age of the vehicle. It is the amount you pay for the car insurance. It depends on many factors like the model and age of the car, its fuel type, the city where you reside, your age, profession, etc. You can use your NCB points and other discounts to cut down on your premium. If you get your car repaired at one of our network garages, you will not have to pay for it. The repair bill will be taken care of by us. This facility is referred to as cashless claim. Any damage done to your car because of an accident is covered against any expenses towards repair or replacement. You can get it repaired at one of our cashless network garages, while in case of total damage, you will receive the IDV of your car as reimbursement. Damages caused to your car due to any natural calamity like floods, typhoon, hurricane, tsunami, lightning, earthquake, landslide, etc., are covered. Damages caused to your car due to any riot, vandalism or any malicious acts are covered. Any damage that occurs in transit by road, rail, air or elevator, is also part of the car insurance policy's coverage. The car insurance policy covers your losses if your car gets stolen. This policy covers the expenses of the owner-drivers in cases where they get injured (or death) while driving the insured car. A similar cover for the co-passengers of the car is available and can be added to the policy by paying extra premium. If a person, vehicle or property gets hurt or damaged due to an accident with your car, you stay protected against liability due to accidental damages. A car insurance policy does not promise that your claims will be settled by the insurer. Your claim request can get rejected in the following situations: It's important to note that the depreciation cover is not applicable in cases of theft or total loss claims Take a look at some of the add-on covers in car insurance at Reliance General Insurance offers: No claim bonus (NCB) is a discount, given by an insurer to a policyholder for making no claims during the policy term. NCB can be accumulated over the years and the discount ranges from 20% to 50% on the own damage premium. This is simply a general insurance company's way to reward customer's good driving behavior. Say at the end of 12 months, the insurer did not claim any own damage; then in that case the insurance company provides them a discount by giving NCB based discounts in their premium. - Discount earned by insured for a claim-free completed year. - In the case of Own Damage claim, No Claim Bonus gets back to 0% - NCB can be Transferred in Same Class of vehicle - NCB Reserving letter is issued for 3 yrs from the date of sale of the vehicle This cover pays the amount of depreciation deducted on the value of parts replaced under own damage claim - The cover operates for maximum of 2 claims during the policy period - Special Conditions applicable to this cover in addition to the General Conditions: - A claim where replacement of any part is not involved and no depreciation is deducted under its own damage claim, will not be considered as a claim under this cover. - Vehicle is repaired at any of our Authorized Garage / Authorized workshop / Authorized service station. Note: Voluntary and Compulsory Excess shall be as per normal practice. This cover pays for the amount spent on the registration fee, Octroi and/ or any other charges levied by the government authority towards the insured vehicle. Also, the insurance premium shall be paid. - This cover will trigger in the event of theft or total loss/ CTL. - Road Tax & Insurance Premium is payable on Pro-rata basis for the unexpired duration of the policy period. Buying or renewing a car insurance policy can be done both online and offline, however, the former is recommended for the following reasons: The process of buying and renewing car insurance takes only a few minutes. You just need to follow some simple directions. The process is absolutely hassle-free as you no longer need to visit any office, fill out forms, and stand in line to buy/renew the insurance. By buying/renewing car insurance online, you eliminate the need for an insurance agent, and thus, save yourself some money that would have otherwise gone towards paying commission. The benefit of the reduced cost of operations is passed on to customers this way. When you go online, you get to compare different offers, and therefore, can pick the one that suits your needs the most while giving you maximum benefits at a lower premium. Another customer-friendly feature is that you can add or delete the various add-on covers attached to your standard policy, at the time of renewal. Since every term and condition is out on the website, there is no scope of the customer being duped by false promises. Also, all your details are kept confidential. The possibility of losing or damaging car insurance policy papers is minimized as documents are exchanged online and can be accessed from anywhere anytime. Going paperless is so eco-friendly too! Online car insurance transactions are not only quick, but there is also no fear of losing receipts. Since you make the payment through secure payment gateways online, you are safe from any kind of fraud. If you think the car insurance premiums will exert stress on your budget, you will be glad to know that you can make them extremely affordable with several discounts. If you have not made any claim requests in your last insurance period, you have established yourself as a safe and responsible driver, and will be rewarded with NCB points. It can decrease your payable premium by a good margin. No Claim Bonus accumulated over the years can get you a discount of up to a whopping 50%. 50% Opting for a voluntary deductible while buying the car insurance policy is another way of lowering premiums. A voluntary deductible is an amount that you agree to pay from the claim amount and reduce the risk factor for the insurer. Therefore, the higher the deductible amount, the lower will be your car insurance premium. The poor road conditions and a blatant disregard for traffic regulations make Indian roads one of the most dangerous in the world. These fatalities are only expected to rise in the future. We don't mean to scare you by these grim statistics. The statistics reflect the kind of dangers that the roads entail. Hence, It's better to be safe than sorry! Filing a claim online for your car insurance is quite an easy process. If you opt for a reimbursement claim, you will have to pay for repairs from your pocket, and later you can submit the bills/receipts to us along with a request for reimbursement. For motor claims, we have also come up with Reliance Self-i App where you can intimate the claims instantly. Moreover, you can now have a live video call with our claim experts and be informed about the status in real time. KeyAdvantages Now that you understand the nuances of both types of Car Insurance Policies you must be contemplating about which one to choose. Here are some valuable recommendations to help you with your decision: The individuals between 18 to 25 years of age have to pay more premium amount than the others. The premium for a CNG type vehicle is higher than that of petrol of diesel type vehicles. A lot depends on where you drive your car. An area with a higher density of traffic like cities will have higher car insurance premium rates. Insured Declared Value (IDV) is the maximum amount to be paid to the insured person in case of any damage. This is decided by RTO details, brand, selling rice and affects own damage cover. The cubic capacity of your car will affect the premium rate you pay to get your vehicle insured. Factors like car insurance add-on covers, discounts, purpose of the vehicle and safety features such as airbags and anti-theft devices will also be taken into consideration while calculating your car insurance premium. In India, this is a mandatory cover and there are strict fines if a person does not have a Third-Party cover. These cover the financial losses or other kinds of losses to the third party which is involved in any kind of accident with your car. It does not cover your expenses. TPL depends on the car's capacity and is issued by the Insurance Regulatory Authority of India. This is the best car insurance cover which also covers your vehicle from any kind of damage even due to natural calamity. This means that it will have a higher premium. As the car grows older the IDV decreases and premium decreases too. It is calculated by the percentages of IDV. Formula to calculate IDV is equal to the showroom price of the car added to any additional accessories that may have been installed in the car subtracted by the depreciation value of the car with every passing year. This makes the formula to calculate OD as IDV multiplied by premium rate decided by insurer added to any kind of add-ons which could be in the form of bonuses subtracted by the discounts and benefits like no claim bonus or theft discounts. The car insurance goes beyond protecting your car and also safeguards and cover your personal injury costs as well. This is a vital part of being completely protected. With rising prices of medical health care, the insurance must cover even any basic injury caused by the accident which could ease out the financial burden. As the sum insured to the person goes higher, and the premium rate also keeps on increasing similarly . Use Our Car Insurance Calculator to calculate your premium easily! How to Save on Car Insurance Policy Premium? The value of your car depreciates overtime. Hence it is important to know your IDV. A lower IDV attracts a lower premium. The No Claim Bonus is your rightful reward for being a responsible driver. Earn discounts of up to 50% on your car insurance premium year-on-year. Become a member of the Automobile Association of India and you can secure a concession on personal-damage premium. A voluntary deductible is the amount you agree to pay out of your pocket. The higher your voluntary deductible, the lesser will be your premium. Know what are deductibles for car insurance before purchasing. How to Renew Car Insurance Policy If It Has Expired? There could be many reasons that your online car insurance policy could have lapsed and you need to renew the policy before the expiration date to continue driving your vehicle safely. Thus, you must keep in mind to renew expired car insurance as fast as possible to avoid any kind of legal action and also to have safe coverage for you and your vehicle. If due to any reason your car insurance has expired here are the steps to follow: In case the policy is expired car insurance the first thing to do is to get in touch with your agent through which you got the insurance or to fill the renewal form online. The form is always available on the website of the insurance provider. An experienced agent has good knowledge of the working of online car insurance and things to do after the insurance has expired and may guide you through the process smoothly. Online renewal can save a lot of time if you are already familiar with the basics and don't need an agent to renew your insurance, this process is convenient too. It is important to keep in mind that wasting time is useless as you may have to pay a high premium at a later stage and also could face a penalty while driving on the road without insurance. While the car insurance is expired and is in the process of renewal it is important not to drive the vehicle. This is the reason why it is advised to apply for renewal before the expiration of the previous insurance. Driving without insurance is like driving at higher risk and in case of an accident you would have to pay the third party for the damages. As well as for vehicular loss without any coverage from the insurer. Driving without motor insurance is illegal thus you must renew the insurance as quickly as a possible and quickest way is renewing the insurance online. Choose a car insurance policy suitable for you. You can even switch the company and the features. This will allow you to compare various insurance and make an informed decision about the product. After you have decided which policy you want to go for, all the documents must be kept handy and a call should be given to the insurer. The documents include a copy of the previous policy and registration certificate of the vehicle which is needed to renew the car insurance. Additional details may also be required depending on the insurer. As fast as you provide these details faster would be the process of generation of insurance. Expired car insurance renewal is not a difficult process. The process is easy with some basic understanding of the document and can be done online at home. Click here to renew expired car insurance easily. Got some questions? You can call us on +91 22 48903009 regarding any queries while buying car insurance online. *Discount is applicable on OD premium.T&C apply. All the Toll Charges will be borne by Customer. Towing Services are free of charges for Garages present with in 25 kms from breakdown location. Towing to Garages beyond a radius of 25 km from breakdown location will be chargeable. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned here are for the product- Reliance Private Car Package Policy.UIN: IRDAN103RP0010V02100001. Firstly, the Motor Vehicles Act 1988 makes it mandatory for all car owners to have a valid insurance policy. That apart, you should get your car insured because it saves you from any financial loss caused due to accidents, damage or theft of your car. Additionally, car insurance covers the safety of the co-passengers, someone else's property and pedestrians too. There are two types of car insurance: 'Third-Party Insurance' and 'Comprehensive Car Insurance'. Third-party insurance protects you against losses, which occur due to bodily injury or death to a third party or any damage to that person's property. It is mandatory by law to have third-party insurance. Comprehensive car insurance, on the other hand, is purchased when you want to be compensated for any damages to you, your co-passengers and your vehicle in addition to third-party coverage. That means in case of an accident, theft, fire, explosion or natural disasters, your car will be insured under a comprehensive car insurance policy. Hence this is the most preferred plan. Private Car Insurance can be bought online for two-wheelers and four-wheelers. You can check your car insurance quote by filling the form above by entering your registration number. Apart from this, commercial vehicle insurance can also be bought online Zero documentation is required to buy a car insurance policy online. You can get your car insurance quote within seconds by entering your registration number in the form above. This makes things really simple. However, you will have to provide details like: You should also have a copy of your car's RC book. Ease of buying Added Benefits Getting an Estimate of your car insurance policy premium Pay for your car policy in minutes Yes, you can. You can now renew your car insurance online in the comfort of your home. Here are the steps that you need to follow- If your car insurance policy has expired, you can renew the policy by making payment online. You can now Do Inspection Yourself. Upload photos of your car and get your policy instantly. Your Inspection ID will be generated and post satisfactory inspection and recommendation by surveyor your policy will be issued. Note this is applicable only for Private Car & Two Wheeler policy and not for Third Party Liability Once a request is logged in, the inspection process takes place within 24 hours. A successful inspection is followed by an online recommendation made to you, by the surveyor. Within 48 hours following that recommendation, you will have to log-in to the website and convert your auto insurance policy. Failing to convert your policy within that time frame means that you have to go through the entire process again. No Claim Bonus (NCB) is the discount in your car insurance premium enjoyed by you for not having made a claim in the previous year(s). This discount can be accumulated on a yearly basis starting from 20% at first claim free renewal, 25% in the second, 35% in the third, 45% in the fourth and 50%in the fifth and continued for subsequent claim free years. Reliance General Insurance has introduced the No Claim Bonus retention add-on cover with private car insurance. This helps you to retain your valuable No Claim Bonus at a small additional premium.Click here to understand No Claim Bonus Retention. Yes, it is! If you have accumulated NCB, at the time of renewing your existing 4 wheeler insurance policy, you can transfer the NCB within 90 days of your renewal due date. If you wish to change your insurance provider at the time of renewing your car policy, you can enjoy your NCB discount by getting it transferred as well. The NCB will be transferred to Reliance General Insurance at the same rate you are entitled to get from your previous car insurance company provider while renewing your car policy. However, remember to provide the No-Claim Bonus certificate from your previous insurance company to ensure the transfer. The policy remains more or less unaffected even if you move. You will, of course, need to change your contact details i.e. your new address and phone number. This can be done online or at any Reliance General Insurance branch closest to you. Your car insurance premium might change depending on the city you're moving to. This is simply because motor insurance rates are fixed based on the registration zone of the car. All metro cities (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune) are part of Zone A, which has a higher rate of premium than the rest of the country (Zone B). So if you're moving from a Zone B city to a Zone A city, your motor car insurance premium will increase and vice versa. Just log on to www.reliancegeneral.co.in and click on your profile. A soft copy of your four wheeler policy document will be available for download. A print out of this document definitely serves as the original policy document. An endorsement is a written proof of an agreed change in the auto insurance policy, as and when the need arises. There can be two types of endorsements: premium bearing and non-premium bearing. In a premium-bearing endorsement, you will be charged an additional premium for things like transfer of ownership, addition of LPG / CNG kit, change of RTO location, etc. In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy. For example, correction in contact details, correction in name, correction in engine / chassis number, addition of hypothecation, etc. You can make changes to your car policy only in the following cases: • Either the name, registration number, engine number, chassis number or model number of your four wheeler vehicle has to be corrected. • There is a change or correction in your address • There is a change in car, RTO or registration number of your vehicle • There is an addition of LPG / CNG kit, electrical / non-electrical accessories, anti-theft device, addition or change of hypothecation in your car. • There is a NCB recovery or change.For an endorsement, you simply need to raise a service request online, by logging onto our website: www.reliancegeneral.co.in. Then you can do one of the following two things. • You can transfer your existing automobile insurance policy to the new owner of the car. • You can cancel this policy and tell the new owner to buy a new policy for the car. However, the policy can only be cancelled once we receive a copy of the new policy. This is because it is mandatory for any car to be insured, at least against third-party liability. Also keep in mind that you can enjoy a No-Claims Bonus on the premium for your new vehicle, if you purchase it within 3 years from date of cancelling / transferring the old policy. Loading is an additional cost that is added to the car insurance premium when a policy is renewed. This additional cost only comes into effect if the risk to the car policy owner is judged as 'higher than normal'. The auto insurance policy covers damage or loss to the car due to: Apart from this, your car insurance policy covers policyholder against any accident or mishap. It can also cover a third-party entity, if the option is availed. We recommend that you opt for a Third-Party Liability Cover because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. Simply put, this additional cover offers you extra protection in case the other party is uninsured or underinsured. Add-on covers literally add extra protection and cover benefits to your car insurance policy. It helps to customise your policy based on your requirements. This add-on cover helps you to retain your earned No-Claim Bonus (NCB) percentage, even after you've made a claim. Without this additional cover, your NCB would drop to 0% if you've made a claim in the previous car policy period. There are a few conditions though! Also, note that the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to 10 Lacs only. If you want to avail of this facility, all you need to do is pay a small amount of additional premium. This add-on cover entitles you to get 100% repayment on the depreciated parts (other than tyres and tubes) at the time of claim settlement. You can opt for a Nil Depreciation Cover when you get a new car insured or for two subsequent renewals, so if you haven't got one right now, you should probably consider it! By paying a minimal, additional charge on your car insurance quote, you can benefit in the following ways: Please note that we cover only private cars and two wheelers, with a maximum of two claims in one policy period. This cover is applicable only for select make and models. This cover is very beneficial in case your car gets completely damaged in an accident or if it is stolen. In such case, the total sum of the expenses paid for the vehicle insurance, registration charges and road tax is reimbursed proportionately. Voluntary deductible is an amount that you agree to pay towards a claim (in addition to the compulsory deductible) before the insurance company picks up the balance. It is a fixed and minimum amount that you declare to pay when you make a claim. This amount is inversely proportional to your premium. The higher your Voluntary Deductible amount, the lower is your automobile insurance premium. For example, if your claim amount is Rs. 20,000 and the voluntary deductible is Rs. 3,000 then you have to bear the first Rs. 3,000 and the claim will be worth Rs.17,000. We will award you with a suitable discount based on the following table. *Own Damage premium. The risks that we don't cover in this car insurance policy are as follows: Third-Party Cover is mandatory in India. It covers you against legal liability for injury or death or property damage caused to any third party, who is not in the insurance contract in an accident. This personal accident cover provides compensation in case of death or permanent disabilities due to an accident involving the insured vehicle. Coverages: CPA ( Compulsory Personal Accident –Owner Driver ) for 1 Yr Customer can opt-out of this cover if he already has other PA cover covering (Death & Permanent Disability) up to the extent of minimum 15 lacs or is covered with other CPA policy under motor insurance in other vehicles owned by him. You can claim the PA cover only if the car Insurance Policy is in your name and you are the registered owner of the car & have an owner-driver, paid-driver or unnamed passenger cover. Yes, we do offer car insurance discounts to members of certain associations. IDV stands for Insured's Declared Value (IDV). This is the present market value of a car. Electrical accessories are any electronically powered accessories that are part of your car. This could include accessories such as music systems, LCD etc. which are not manufacturer fitted. You can protect electrical accessories, which are not factory fitted, by paying an extra premium of 4% on the value of the item. The value of the item is as stated by you i.e. the insured. Non-electrical accessories include anything from wheels to seat covers, which are not manufacturer fitted. Protection for these can be achieved by paying an extra premium on the invoice value of your car insurance quote. A paid driver is obviously someone you have appointed to drive your car. If this driver meets with an accident while driving your car, you will need to compensate him / her or that person's family for the injury or loss of life. No, we will issue the insurance policy only if the LPG / CNG kit is incorporated on the Registration Certificate (RC) by the concerned RTO. Of course you can! Factors that affect / reduce car insurance quote are: ARAI stands for Automotive Research Association of India. Online Payments for your car insurance definitely make life easier. At Reliance General Insurance, you can pay your car insurance premium in following ways: We accept all Visa, Mastercard, American Express cards and other international credit cards. You can also use other payment options like UPI and Paytm. Yes! Yes, it does. The brand, make and model of the car dictates the car's price. Since the car insurance premium is directly linked to the sum insured, the car model has an impact on the insurance cost. To know the premium for your car insurance policy, simply fill in your details and the vehicle registration number. A car insurance quote will be generated to give you an estimate of the premium. Check out: Car Insurance By Brand And Model As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately. Paid Number- +91 22 48903009 You can also directly register your claim online. Click here to download the form. Here's a list of document you should keep ready while making a claim. You should immediately report to the nearest police station in case there is damage to any third-party property, bodily injury to third party or self, or theft of the car. In the event of an accident or a mishap, be assured of complete assistance from us to get you back on the road. Keep your car insurance papers in your automobile at all times. You should immediately report to the police before registering any claim. A delay in reporting will affect your claim, as an insurance company could deny liability. Cashless Claim: A cashless claim is one, where physical cash does not exchange hands during the settlement of the claim. We, the insurers, will pay the repair charges of the car directly to the garage. However, this is possible only if the garage is part of our listed network of garages. Non-Cashless / Reimbursement Claim: This type of payment or settlement occurs when you choose a garage that is not part of our network. In this case, you need to make the complete payment to the garage at the time of the repairs. Later, you can get this amount reimbursed by submitting the original bills and payment receipts to our office. If the damage to the car is minimal, it is always a good idea not to make a claim on your car insurance plan. This will help you to benefit from the No-Claim Bonus (NCB) for every claim-free year. If you don't make any claim on your car insurance policy for a few years, the NCB can reduce your premium cost to half the price. In fact, it could very well be the case that the amount you spend on small repairs occasionally is lesser than the amount you stand to lose as No-Claim Bonus. You can cancel your claim by calling any of the following helpline numbers: Paid Number: +91 22 48903009 If the repair cost of your car (in case of an accidental loss or damage) is more than its current value, it is known as a constructive total loss. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV. Yes! 4.2 (Based on 439 ratings) Showing 10 reviews "Health Claim Status" The experience with Reliance General Insurance is very good. I have reliance covid-19 protection insurance where they have settled my claim smoothly. They have easily handled my query related to claim. I habe even communicated through email and have recieved a quick response. I made the claim and it was promptly taken care of. Thanks to Reliance for settling my claim in appropriate period of time. I'm very happy with Reliance general insurance. Dr Smita Abhijit Gaikwad 16 October 2021, Ahmednagar "Good Service and the Process was Pretty Smooth" Reliance has given me good service and the process was pretty smooth and easy. Brobot provided a very prompt response to my query and assisted me with the required details. Thank you so much, for providing such time savings service which is most important in todays situation.....Good Job. It was very good Connecting With Brobot. ARPIT DUBEY 10 October 2021, Varanasi "Print Policy" I was looking for policy copy and then I visited your website to get my policy copy. I have got all the facilities and It has become so easy for us to download policy copy through website. I am really satisfied with overall service. Reliance General Insurance has one of the best website to get the information so fast and smooth. Don't have to wait for the call to get connected in customer care . Thank you Reliance for making the website user friendly . Mr. Virendra Yadav 8 October 2021, Andheri "Motor Claim" It was a brilliant experience with Reliance General Insurance since I have car insurance it was too easy to intimate and track the claim from the mobile app, surveyor also assisted me properly to whom I have submitted my claim documents. He provided clear information in regards to claim also provided all the relevant information on call and guided me with proper procedure of the claim. I am happy with the service provided by the RGI. Suresh Patil 6 October 2021, Belgaum "Policy Soft Copy" It seems that I have got the best motor insurance plan from the website of the Reliance. The plan is attractive in nature and is valuable for me. I got this plan for my commercial vehicle. Brobot has provide me a good response but I didn't got my soft copy. So, I used to brobot and then immediately delivered the soft copy at my mail within few seconds.. Saving paper is urging a go green initate. Mr. Viralkumar Navik 28 September 2021, Gujarat "Claim Intimation" Reliance general insurance has provided me an excellent service. Website is designed in such a way that straight ahead details get loaded immediately. I was able to register my claim easily. Tracking information through website is much more comfortable even I could easily trace my claim status whenever required.Thank you reliance for my claim settlement in appropriate time. Mr. Palanivel K 28 September 2021, Tamil Nadu "Claim Settled" I had an accident last week and my car got damaged due to accident. i had no idea of the claiming process so i contacted the customer care of Reliance General Insuarnce and the executive explained the whole procedure details to me. Had a good experience with reliance through selfi mobile app which is convenient to trace the details regarding my claim at any point of time. This app from Reliance is brilliant and smooth. Thank you Reliance general insurance, I got the fastest claim settlement. Claim is accepted and processed instantly. Mr. Yogendra Todkari 28 September 2021, Mumbai "Claim Intimation" I had wonderful experience with Reliance general insurance where I have intimate a claim through mobile app. Mobile app has great features. It is designed in such a way which is so easy to operate. While doing self inspection details get loaded immediately without any hassel and also it can be access at any point of time. Application is so updated we don't have to make any call to the customer care, easily i can trace my claim status at specific point of time. Surveyor did his job excellently and my claim has been managed properly. Mr. Ajay Ashwinkumar Pandya 2 September 2021, Gujarat "Best Car Insurance Company I Came Across" I wanted to take the best car insurance company out there in the market as my Mercedes is really precious to me. I got a great NCB discount and an amazing quote Damodara H 6 October 2020, Mumbai "I Managed To Get My No Claim Bonus Discount" I bought a car insurance policy from reliance team for my Renault kwid. Luckily I had taken the no claim bonus add on cover, so even after I made the claim, I managed to get my no claim bonus discount. Aditya E 5 October 2020, Kalyan Brochure has been sent to Your Email Address. Claim Form has been sent to Your Email Address. Sorry, something went wrong. Brochure could not be sent to Your Email Address.
Age Of Vehicle IDV ` Policy Start Date Tax in Details
Sales Tax
(12% of Premium) ` Surcharge
(0.6% of Premium) `
What is Car Insurance?
Key Features Benefits by Reliance General Cashless Repairs 5000+ Cashless Garages No Claim Bonus Upto 50% Discount* Claim Process Easy Video Claims** Claim Settlement Ratio 98% Claims Settled Add-Ons 7 Add-ons available Own Damage Cover Available Third-Party Damage Cover Cover for third party property/vehicle, Cover for injury caused in accident
Optional Add-on
Not Covered
Optional Add-on
Optional Add-on
What are the Features of Car Insurance Policy?
What is Covered in Car Insurance Policy?
What is not Covered in Car Insurance Policy?
Car Insurance Add On Coverage
1) NCB Retention Add On Cover
2) Nil Depreciation
3) Total Cover
What are the Benefits of Buying/Renewing Car Insurance Online?
Car Insurance Discounts
No. of Years Discount One claim-free year 20% Two consecutive claim-free years 25% Three consecutive claim-free years 35% Four consecutive claim-free years 45% Five consecutive claim-free years
Not sure if you need car insurance? Numbers Don't Lie!
How to Claim Your Car Insurance Online?
How to Choose the Type of Car Insurance that Suits You the Best?
How is a Car Insurance Premium Calculated?
Vehicle owner's age:
Fuel Type:
Geographical Location:
IDV:
Cubic capacity:
Other factors:
Types of Car Insurance Policy:
Third-party Cover:Own Damage Cover:
Personal Accident Cover:
Know Your Car's IDV
Claim Your No Claim Bonus:
Become AAI Member:
Increase the Voluntary Deductible
Getting in touch with the agent
Do Not Drive
Choosing Policy
Keeping the documents ready
Car Insurance FAQ
Why do I need to insure my vehicle?
What are the types of Car Insurance in India?
What are the different types of vehicles that can be insured online?
What are the documents required to buy car insurance policy online?
What are the benefits when you buy car insurance online?
One of the biggest advantage of buying car insurance online is that it is convenient and it simplifies your purchase decision. You can sit comfortably at home, compare different 4 wheeler insurance policies available in the market, find competitive car policy rates, simply click a button and buy a four wheeler vehicle policy online. Since there is a long list of general insurance companies offering online car insurance, finding the best automobile insurance that suits your needs and gives you maximum benefits is easier.
Also, online car insurance offers other facilities like
Renewal reminder
Secure payment gateway and tracking
You can also calculate your car insurance quote/premium online and get an idea of the kind of expense you would need to bear for buying the plan.
You can pay your premium using either of the options like net banking, debit card or credit card. You can also use other payment options like UPI and Paytm.Can I renew my car insurance policy online?
My motor insurance policy expired; how can I renew in case of break-in of my policy?
Once the inspection request is logged online, how long does it take to get the car policy?
What is a No Claim Bonus (NCB)?
Is my NCB transferable?
What is the rate at which NCB is transferred?
In case of my job and place change, what happens to my motor policy?
How do I get a copy of my car insurance policy online? Will the printout of the softcopy serve as the original document?
What is an endorsement? What is premium and non-premium bearing endorsement?
What changes can I make in my car insurance policy? How do I send that for endorsement?
What happens to the 4 wheeler insurance policy, if I sell my car?
What is loading?
What risks are covered under Reliance motor insurance policy?
Finally, we also bring to the table some add-on covers that will help to customise your motor insurance policy, just like you've customised your car. The additional covers that you can choose to add-on are for:
What do you mean by Add-On Cover?
Some of the add-on covers we recommend and offer to you are:
What is NCB Retention Cover?
For example, assume that you have earned 20% NCB on your previous year's car policy and the IDV of your car is Rs. 10 lakh. Now on this car, if you've made any claim up to Rs. 2.5 lakh, you will still be eligible for a 20% NCB if renewed with us.
What is Nil Depreciation?
What is the Total Cover add-on? How is it beneficial?
What is a Voluntary Deductible?
What risks are not covered under Reliance Motor Insurance Policy?
What is Third-Party Liability Cover? Is it part of my policy?
However, this policy does not cover damages or loss caused to your own car in an accident or theft. In order to have a complete coverage, you should have a Comprehensive Car Insurance Cover.
What is Personal Accident Insurance cover?
In what scenarios can I make a Personal Accident claim?
Am I eligible for a discount if I am a member of Automobile Association of India?
So, if you're a member of any of the following automobile associations, you are eligible for a discount:
What is IDV and how is it calculated?
It is calculated by adjusting the current manufacturer's listed selling price of the car with depreciation percentage as listed in the table below:
What are electrical and non-electrical accessories? How do you calculate their value?
What is meaning of the phrase 'legal liability of the paid driver'?
If you choose to include the option of 'legal liability for paid driver', then we, the insurance company, will pay this compensation amount. This cover is easily included with an additional premium of Rs. 50/- irrespective of any period of insurance, not exceeding 12 months.
If I have LPG or CNG kit fitted in the car, but it's not endorsed in the RC book, will it be covered in the policy?
If I purchase new accessories for my car, can I get them insured in the middle of the insurance policy term?
However, you will have to make a written request to us, and share the details of the accessories. Depending on the accessories, you may also need to pay an extra premium on your automobile insurance. Which factors affect / reduce the premium or insurance quote of my car?
What is an ARAI-approved car-theft device?
If you have installed an ARAI-approved anti-theft device in your vehicle, whose installation is certified by the agency, you can get a discount of 2.5% on the OD (Own Damage) premium subject to maximum of Rs. 500.
What are the different modes of payment accepted online? Are there different schemes?
Am I eligible for a car insurance discount if I install anti-theft alarm and locking system?
When you mention the anti-theft and locking system installed on your car, the car insurance quote decreases relatively. We award a discount on the Own Damage premium if your car is fitted with an ARAI-approved anti-theft alarm and locking system.
Does the car model affect the cost of Car insurance?
How do I register my claim?
What documents are required to file a claim?
Accident Damages:
Theft Cases:
When should I report to the police?
What to do if my car is stolen?
What is cashless and non-cashless / reimbursement claim?
Can I choose not to claim if the damage is minimal? What do I gain out of it?
How can I cancel my claim?
What do you mean by Constructive Total Loss?
If I lodge my claim after the vehicle insurance policy expires for the event that occurred during the policy term, will the claim be valid?
If the event of loss or damage took place during the policy period, you will be eligible for the claim even after the policy has expired.
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Source: https://www.reliancegeneral.co.in/Insurance/Motor-Insurance/Car-Insurance.aspx