Reliance General Insurance is one of the leading private general insurance companies of India. Reliance General Insurance offer an exhaustive and customized basket of insurance products that include car insurance, health, travel, student travel insurance etc with over 94 customized insurance products catering to the corporate, SME and individual customers.
On Reliance Car Insurance Website
| Features | Specifications |
| Third Party Cover | Upto 7.5 L |
| Cashless Network Garages | 3800+ |
| Incurred Claim Ratio* | 81.47% |
| Net Earned Premium* | Rs.1,735.52 crore |
Listed below are some of the exclusions in Reliance Car Insurance for which you cannot make any claims:
A cover that covers all your needs and requirements at one go.
1. Own Liability cover: This cover is provided as a compensation for the damage that has incurred to the vehicle due to the following reasons:
Insurer will pay for all the damage caused to your vehicle due to the above mentioned list. There would nothing be demanded from your part to bear apart from the depreciated value.
2. Third party Liability: The cover is about the third-party liability. If in case your vehicle causes any damage to third party resulting in his/her death, causing some major injuries or a damage to his/her property, your insurer will pay all the legal settlements, claims and expenses as required by the law.
3. Add on Covers: Apart from the above-mentioned coverage, it offers you an additional cover for an extra premium. The add on covers are:
The following costs are reimbursed by Reliance:
No product is complete without a discount. Reliance has offered 3 types of discounts that you can earn on your premium amounts.
| Vehicle’s Damage |
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| Third party Liability |
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No product is complete without a discount. Reliance has offered 3 types of discounts that you can earn on your premium amounts.
| No Claim Bonus | If you have not claimed your insurance in a year, you earn a ‘No Claim Bonus’ in your account. In your next renewal, you can redeem this bonus as a discount on your premium for up to the value of 50%. |
| Voluntary Excess | If you have agreed on to the higher proportion of voluntary excess on your claims, then definitely you’ll get good discounts on your premium. |
| Automobile Association | Being a member of any automobile association would save you paying more for your premiums. |
A Reliance motor insurance claim can be made by customers without any hassles in just a few simple steps.
3. The affected vehicle has to be taken to an authorized garage for repairs and the required documents have to be submitted to the surveyor.
4. After the inspection of the vehicle is done, Reliance approves the claim and the attached liability. The repairs should not be started before the inspection is done.
5. Customers opting for cashless settlements can get their vehicles repaired by authorized garages. The repair bills will be settled by Reliance General Insurance with the garage up to the payable amount. A copy of the driver’s license, self-attested copy of the RC book and the filled-in claim form has to be submitted to the garage.
6. In case, the insured does not opt for a cashless settlement, then they will have to pay for the repair charges at the garage. Then the bills can be submitted to the surveyor to complete the settlement.
7. After the claim has been settled, the repaired vehicle can be taken back by the owner from the authorized garage.
1. When a personal accident occurs, a claim can be made by reporting the accident to the toll free helpline.
2. Customers have to furnish the following details to initiate a personal accident claim with Reliance General Insurance.
3. The insured person should also consult a doctor if required in cases of emergencies.
4. In cases of road accidents, police authorities should be informed and then the claim should be notified.
The Reliance Private Car Insurance policy provides 24/7 roadside assistance, cashless claim facility, reimburses towing charges upto Rs 1500, assists policyholders stranded on account of car breakdowns and an optional cover for personal accidents of upto Rs 10 lakhs.
Key features – Car insurance policies can be easily availed with absolutely no documentation and claims can be settled without any trouble. The company does a quick survey of the damaged vehicle and quickly approves the amount to be claimed. Customers also get attractive discounts when they avail a Reliance Private Car Insurance policy.
When a customer opts for the Reliance Private Car insurance policy, the premium to be paid gets decided based on various factors. To name a few, primarily the Insured Declared Value and the cubic capacity of the purchased vehicle are considered. Also the place of registration, type and age of the vehicle helps decide on the premium amount. The type of cover chosen by the individual also helps ascertain the premium in most cases.
Yes, the no claim bonus can be transferred at the time of renewal and this happens within 90 days from your renewal date. No claim bonus from your previous insurers can be transferred at the exact rate prevailing at the time of renewal.
Yes, customers can buy and renew their existing policies online via net banking and credit card payments available on the Reliance website.
