Reliance Car Insurance

Founded in the year 2000, Reliance General Insurance is one of the leading general insurance companies in India. With their headquarters in Mumbai, Maharashtra, Reliance General Insurance has 127 offices and over 90,000 intermediaries across the country.

With a 100% claim settlement ratio, Reliance delivers on one of its goals of keeping customers as the focal point of all their operations. The company also has over 3 crore happy customers across India. [1] [2]

About Reliance Car Insurance

Having a car insurance gives you a safetynet with financial and legal protection in case of an accident involving a third party person or property. It also secures you financially if your car is damaged, stolen or was in an accident. Reliance General Car Insurance is one of the most renowned car insurance companies in India. Reliance offers third party, stand alone own damage, comprehensive and zero depreciation car insurance.

Key Features

Here are some key features of Reliance General Car Insurance that makes them stand out from other insurers [2]:

• Easy Video Claims: Reliance has a transparent claim settlement process that is done on video with real time tracking.

• Quick Claim Survey: When you make a claim request, you get a call back from Reliance General within 48 hours. This is one of the fastest response rate in the industry.

• Unique Add Ons: Reliance offers 8 unique add ons when compared to other insurers in the market. These are return to invoice cover, total cover, rim protection, geo extension, emergency hotel accommodation, electric motor protect, electric vehicle charger and EMI protection cover.

Key Metrics

Eligibility To Purchase A Car Insurance Plan

• Your vehicle should be registered under the Regional Transport Office (RTO)
• You must have your car registration certificate or RC
• You must own a valid driving licence
• Other documents may be required depending on your insurer

Types of Car Insurance Plans Offered By Reliance General

Mentioned below are the types of car insurance offered by Reliance General Car Insurance:

• Third Party Liability Car Insurance: A third party liability car insurance is a type of car insurance offered by Reliance that covers for major legal and financial liabilities arising due to an accident involving a third party person or property. With this insurance if your car hits a third party causing injury to them or death of the third party, then Reliance covers for that financially and legally. It also covers costs related to any damage done to third party vehicles or property like shops, houses, etc.

• Stand Alone Own Damage Car Insurance (SAOD): A stand alone own damage or own damage car insurance covers the cost of any damage to your vehicle due to natural or man made disaster, theft, fire, accidents. Own damage insurance is a great insurance for someone who already has a third party car insurance and is looking for coverage options to protect their car.

• Comprehensive Car Insurance: A comprehensive car insurance is a type of car insurance that offers benefits of both third party liability as well as stand alone own damage (SAOD) car insurance. This insurance is also called first party car insurance. Comprehensive car insurance covers almost all types of damages occurred to your car from theft, fire, natural and man made disaster and damages to the third party person or property.

• Zero Dep Car Insurance: A zero depreciation or nil depreciation car insurance is a type of car insurance that makes you get the total amount on your car’s damaged parts without deducting the depreciation value of those parts. This is during the time you make your claim.

Add Ons Offered by Reliance Car Insurance

There are a total of 20 add ons offered by Reliance General Car Insurance. Listing them below with their details:

• Pay As You Drive Insurance: This cover adjusts the price of your car insurance premium based on the total distance covered by your car. This is a great add on to take for drivers who travel less or are low-mileage drivers. You also have the option to buy extra kilometres, carry forward your unused kilometres or get a refund for them making sure you pay only for as much as you drive.

• Bumper to Bumper Insurance: Also called nil dep or zero depreciation, a bumper to bumper cover makes sure that your car part’s depreciation value is not deducted from the coverage of replacing your vehicle parts and reimburses you for the same. The total cost of any replaced party of your car will be given back keeping your vehicle’s value intact.

• Roadside Assistance: With this cover, you will get a coverage of 24*7 roadside assistance in case your vehicle breaks down. This ensures that you always have help available no matter the time of the day. This coverage includes services like towing, flat tyre change, battery jump start, fuel delivery, and emergency accommodation if required making sure you are covered always.

• Engine Protect: With this cover your car’s engine gets safeguarded against damages. This cover gives repair or replacement protection to your car’s engine when the damage occurred is due to oil leakage, or water ingress since your car’s engine is the most expensive part.

• Return to Invoice Cover: This cover comes in handy when your car is considered to be a total loss. When you have this cover and such a situation arises, you will get compensated for an amount equal to your car’s original purchase price. For example, in case your car gets stolen or damaged beyond repair in an accident (considered as total loss), your insurer will compensate you for the same, giving you the on road price of your vehicle. This is ideal for newer vehicles.

• Total Cover: This add on compensates you with the full on road price of your car in case your car is beyond repair (total loss) or when your vehicle is severely damaged. This compensation includes the on road price of your vehicle as well as the reimbursement for your registration fee, road tax and insurance premium paid. Reliance is one of the only insurers in the industry offering this add on coverage.

• EMI Protect Cover: Another feature offered by Reliance Insurance is EMI Protect Cover that provides coverage for car loan EMIs during the period of extended repairs, ensuring your financial relief. In the event that your car repair exceeds 21 days, Reliance General Insurance will cover your car loan EMIs.

• No Claim Bonus Cover: With this no claim bonus or NCB retention cover, you will be able to retain your NCB discount amount even after you have made a claim. This NCB protect gives you protection up to two claims making sure you have lower premiums despite making a claim.

• Benefit of Daily Allowance: In case your car is under repair, with this your insurer will give you a daily allowance for a specified number of days to help you manage the cost of transportation.

• Key Replacement Cover: In case you have lost your car keys your insurer - in this case Reliance General - will cover the cost of replacing or repairing your car keys if required. This also covers the cost of replacing the locks if necessary.

• RIM Protection Cover: This cover offers financial protection in case your car’s rim needs to be replaced or repaired. This is particularly helpful in case your car is equipped with an expensive rim.

• Tyre Protect: With a tyre protection cover, your insurer bears the cost of repair or replacement of your car’s tyre. This coverage is provided when your car's tyre is damaged due to accident or due to natural wear and tear.

• Consumables Protect: This add on covers the cost of consumables of your car like nuts and bolts, grease, lubricants etc after an accident. This means that your insurer bears the cost of repair or replacement of these essential items.

• Loss of Personal Belongings: When you have this cover and there is a case of personal items being stolen from your car like laptop, or phone, your insurer covers for it and gives you an amount up to the specified limit within your policy document.

• Geo Extension: If you are someone who loves to travel through cars, especially to different countries then this cover is for you. With this cover, get coverage when travelling to countries like Nepal, Pakistan, Bangladesh and some others making sure your car is protected.

• Electrical Accessories: With this add on any damage or theft of your custom installed electrical accessories are covered. This includes coverage for repair as well as replacement of items like navigation or audio systems.

• Non-electrical Accessories: In case your car’s non-electrical accessories like seat cover, alloy wheels get damaged or stolen, this cover gives you financial protection from the same.

• Emergency Hotel Accommodation: In case of a vehicle breakdown, get emergency accommodation with this add on in case the location where you are stranded is beyond 200 kms from your official residence.

• EV Battery Protection: With an electric vehicle or EV protection add-on get coverage for the battery of your EV. Any theft, damage or breakdown of the battery of your electric vehicle is covered with this add on.

• Electric Motor Protect: With an electric motor protect add on, you will get coverage of your EV’s electric motor. This includes repair or replacement cost of the motor.

• Electric Vehicle Charger: This cover ensures that the repair or replacement of your EV’s charging unit is taken care of. This also helps protect you financially against any cost pertaining to theft or accidental damage.

What Is Covered and What is Not Covered?

Every insurance policy has some inclusions and exclusions. Listed below is a table with inclusions and exclusions under Reliance car insurance:

How to Claim For Your Reliance Car Insurance?

Before raising the claim make sure you have the following documents in place:

1. Copy of your policy document
2. Copy of car registration certificate or RC
3. Copy of FIR
4. Original Car Repair Bills
5. Proof of Accident/ Mishap

Now follow the steps mentioned below to make a claim:

Step 1: Inform Your Insurer

Make sure to inform your insurer immediately after the accident or the incidence of damage. In case of an accident or theft, ensure that you have also immediately filed an FIR.

Step 2: Submit Documents

Submit all the documents required by your insurer to make your claim process smoother. Make sure that you submit all the proofs that you may have gathered.

Step 3: Get Repair Done

Your insurer will appoint a surveyor once the documents are submitted and the details of the surveyor’s findings will be submitted to the MACT (Motor Accident Claim Tribunal) in case of an accident. In case of damage or theft, your insurer will evaluate it internally and you will get a confirmation. You can then get your repair done or make your claim easily.

Reliance Car Insurance Renewal Process

Step 1: Visit InsuranceDekho website

Visit InsuranceDekho’s website. Select Renew Policy from the header menu.

Step 2: Verify Details

Enter your mobile number to verify through OTP.

Step 3: Select Your Policy and Review Details

From the list of all your open policies, select your reliance car insurance policy. Review your policy before renewing, make changes if any and then proceed.

Step 4: Make Payment

Choose your preferred payment method to make the payment - UPI, debit or credit card or through net banking.

Reliance Car Insurance Customer Service & Support

Reliance General Insurance Customer Care

• Call between 10:00 am to 7:00 pm daily on paid number +91-2248903009
• Connect on whatsapp for quick access by messaging on 7400422200
• For help with existing policy connect with Reliance on 02248903009 from 9:00 am to 7:00 pm

InsuranceDekho Customer Care

• Email us at support@insurancedekho.com
• Call us on +91-7551196989

Complaints & Grievance Redressal

Reliance General Complaint and Grievance Redressal

• Email at rgicl.grievances@relianceada.com

InsuranceDekho Grievance Redressal

• Letter: Grievance Officer, Plot no.301, Phase-2, Udyog Vihar, Gurugram-122022, Haryana, India.
• Contact Centre : Customer can call us on 7551196989 from Monday to Sunday 24/7 (excluding public holidays)
• Visit our website https://www.insurancedekho.com/contact-us