Reliance Own Damage Car Insurance

Reliance General Insurance offers three types of insurance for cars in India including the standalone own-damage cover. This type of insurance is not compulsory, however, it can be a prudent purchase for those who prefer to err on the side of caution. The standalone own-damage cover offers insurance holders protection from a wide range of scenarios including road accidents, theft, acts of vandalism, fires and damage caused due to a natural or man made calamity. Moreover, the insurance holder can also expect to feel peace of mind knowing that in case of a mishap the insurance will provide them financial stability.

Standalone Own-Damage Insurance V/S Third Party Insurance V/S Comprehensive Insurance

What is Covered Under Reliance Standalone Own-Damage Policy?

Following are the aspects covered by Reliance standalone own-damage car insurance policies:

• Damage to the car or total loss as a result of road accidents.
• Damage caused due to a fire or explosion.
• Theft of the car or damage caused due to vandalism.
• Damage caused due to natural or manmade calamities. Eg: Cyclones.

What is Not Covered Under Reliance Standalone Own-Damage Policy?

Following are the aspects that are not covered under Reliance standalone own-damage covers:

• Breakdowns that occur as a result of mechanical or electrical failures.
• Mishaps that involve some form of illegal driving.
• Depreciation of the car.
• Mishaps that occur outside the predetermined geographical boundaries. In this case anything outside India.

Following are some of the benefits of purchasing a Reliance standalone own-damage car insurance policy:

• The cover offers compensation for own-damage costs in several situations including theft, vandalism, fires, explosions, natural disasters etc.
• Reliance offers its customers a No Claim Bonus for their good driving habits for every claim-free year. Moreover, the reward is cumulative going up to 50% in the fifth consecutive year.
• Reliance offers a wide range of add-on covers to their customers. You can then pick and choose from these to mould your policy to fit your individual needs.

How To Purchase Reliance Standalone Own-Damage Policy?

Below-mentioned is the procedure you need to follow to purchase a Reliance standalone own-damage cover:

Step 1: Visit the website InsuranceDekho. On the homepage of the website select the ‘car insurance tab’ it will be visible on the top left corner of your screen. A drop-down menu will appear, choose the ‘Standalone Own Damage’ option from it.

Step 2: In the given section provide your car’s registration number. In case you do not have this information with you, you can also enter your car’s make, model and year of registration.

Step 3: Enter your personal details and any other required information. Once you have entered these select the ‘Submit and Get Quotes’ button.

Step 4: The standalone own-damage covers in your category will be visible on the screen. Simply select the policy offered by Reliance General Insurance and any add-on covers you would like to purchase with it.

Step 5: Make the payment for your selected Reliance standalone own-damage policy and we will send the policy document to your registered email ID.