Reliance Car Insurance

Listed below are some of the exclusions in Reliance Car Insurance for which you cannot make any claims:

• A normal wear and tear of the vehicle over the period of time.
• Any consequential loss.
• Any sort of mechanical or electrical damage in your car.
• Vehicle used out of the geographical area.
• Damage caused due to war perils, nuclear intervention or civic disturbances.
• Damage caused under the influence of consumption of alcohol or drugs.

• Free Road side assistance at the time of breakdown or an accident of the car.
• Cashless facility at more than 3800 network service stations- Don’t bother for your cash.
• Get your vehicle towed at minimal charges- Reimbursement up to Rs 1500.
• Go online- get an instant policy issuance
• No documentation required.
• Call any time- 24×7 customer service.
• A TAT of 24 hours for survey of your vehicle.
• Go Hassle free- an easy and convenient approach
• Get attractive discounts and enjoy your ride
• Several other options for extra insurance cover available.
• Frustrated of busy lines- don’t worry, get an immediate attention.
• Get your car insurance on and off the road with Reliance car insurance. Enjoy its facilities and your drive thereto.

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.

• Manmade calamities: It includes fire, explosion, riots, strikes, theft, burglary etc.

• Natural Calamities: It includes floods, storms, earthquakes, cyclone, typhoon etc.

• In transit: It includes the damage caused to your vehicle while it is in transit on road, by rail, by air, lift, or elevator.

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:

• Personal accident cover for owner, driver, named passengers or any unnamed passengers.

• A cover for electrical or non-electrical parts.

• A ‘Nil depreciation‘ cover

• ‘No Claim Bonus ‘ Retention cover.

The following costs are reimbursed by Reliance:

• Vehicle’s Damage: In case of your own vehicle damage, it reimburses:
  • Actual cost of the repairs or any replacements
  • 50% of the cost of replacement in the case of tyres and plastic/rubber parts.
  • 30% of the cost of replacement in the case of fibre glass components.
  • No replacement for glass parts.
• Third party Liability: As per Motor vehicles act, Reliance reimburses the following things:
  • Death claims for the third parties.
  • Bodily injuries to third parties.
  • Death or bodily injuries to other persons sitting in a car, provided those people should not be the employees of an insured and should not be the hirer of the car.
  • Property damage to third party.
  • Any other expenses incurred supported by a written consent of the company.

No product is complete without a discount. Reliance has offered 3 types of discounts that you can earn on your premium amounts.

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.

1. Customers have to first register their claims by calling the Reliance toll free helpline as soon as the incident occurs. They will have to give the following details listed to file a claim and initiate the settlement process.
2. Details required to file a claim –

• Policy number
• Contact Details
• Name of the insured person
• Date and time of the accident
• Vehicle number
• Make and model of the vehicle
• Brief description the accident
• Location and Extent of loss
• Garage name

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.

•  Insured’s contact details
• Policy number
• Name of insured person who is injured
• Date and time of accident
• Location and Extent of loss
• Brief description of the accident

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.

• Proof of Insurance Policy
• Originals and copies of Registration Book and Tax Receipts
• Original and copy of the Driving License of the driver
• Police Panchanama / FIR for third-party property damage, death and body injuries
• Estimate for repairs
• Repair bills and payment receipts
• In case the claim has to be paid to the repairer, then the Claims Discharge Cum Satisfaction Voucher signed across a Revenue stamp is required.

• Original Policy Document
• Original Registration Book with Theft endorsement the RTO
• Tax payment receipts
• Previous Insurance Details – Policy number/Insurer Name / Insurance period
• Vehicle keys/service booklets/warranty card
• Police Panchanama / FIR / Final investigation report/JMFC report
• Acknowledged copy of letter address to RTO intimating theft and making vehicle “Non-Use”