Reliance General Car Insurance

Reliance General Insurance commenced its operations on 17th August, 2000. It is a part of Reliance Group and is one of the most renowned General insurance providers in India. They have more than 139 offices and 26,587 advisors across the country.

Reliance Insurance provides a variety of insurance products, including motor insurance for corporates, individuals, and SMEs. Their range of services includes motor, travel, health insurance and many more.

Reliance car insurance is available for private cars as well as commercial vehicles. It includes emergency roadside assistance and cashless services at more than 3800 network garages in India.

Reliance Car Insurance at a Glance:

Features Highlights
Incurred Claim Ratio 91.39%
Network  Garages 3800+
Personal Accidental Cover 100% of Capital Sum Insured of 5 lakhs
Third-party Cover Up to Rs. 7.5 lakhs
No-claim-bonus Up to 50%
Nil Depreciation Cover Add-on Benefit

Importance of Car Insurance –

Having a car insurance policy during an accident will save you from the financial shock. The insurer will take care of the expenses incurred on damage repair and any other legal liabilities when an emergency strikes. However, if you do not have car insurance, you will have to bear the expenses on your own. And it will wipe off your savings.

Not only, it will offer you financial protection but will ensure the flawless upkeep of your prized possession.

Why Reliance Car Insurance?

It is mandatory to have car insurance for all the car owners in India. Reliance Car Insurance Plans are designed to offer you maximum protection in the most affordable manner.

Third party car insurance covers loss or damage caused to a third-party property or person from your car. And comprehensive car insurance plan will cover your own damage and third-party damage also.

You can avail various other add-on benefits in their comprehensive car insurance policy. You can avail benefits like personal accident cover, zero-depreciation benefit, key-replacement cover etc. And if you opt for zero-depreciation cover you can claim the full amount. Have a look at some of the advantages of Reliance Car Insurance below-

Advantages of Reliance Car Insurance

  • 24×7 Emergency Roadside Assistance
  • 3800+ Network Garages for Cashless Services
  • Easy Online Renewal Process
  • Comprehensive and Third-Party Insurance Cover
  • Increased Protection with Add-On Covers

Reliance Car Insurance Inclusions and Exclusions –


      Vehicle Damage

  • Any damage caused to the vehicle due to fire, accident, collision, self-ignition, fire and, lightning
  • Natural calamities like flood, earthquake, cyclone etc.
  • Malicious act, riots, strikes, terrorist activities
  • Loss airing due to theft, burglary, explosion, and house-breaking
  • Whilst in transit by road, rail, air, and elevator

Add-on covers

  • Personal accident cover for owner/ driver or unnamed passengers
  • Loss/damage to electrical/electronic accessories
  • Zero Depreciation Cover
  • EMI Protection Cover
  • Retention of No-Claim Bonus
  • Motor Secure Premium  Cover (Motor Secure Plus + Key Protect)
  • Motor Secure Plus Benefit ( Zero Depreciation Plus + Consumables + Engine Protect)

Third-Party Liability Cover  (as per Motor Vehicle Act)

  • Third party property damage
  • Third-party bodily injuries or Death
  • Death or bodily injury to any person traveling in the car ( not applicable on insured’s employees )
  • Expenses incurred that are incurred with the consent of the company.
  • Electrical and mechanical breakdown
  • General wear and tear
  • Use of a private car for commercial use
  • Driving under the influence of intoxicating substance, alcohol or drugs
  • If at the time of the accident, the owner-driver was found to be driving without a valid driving license
  • Loss or damage due to nuclear risks or war conditions
  • Consequential losses
  • Compulsory deductibles
  • Depreciation Cover is not valid on total loss claim and theft claims


Please refer to Reliance Car Insurance policy-wording for more details.

Deduction Rates that are applicable on replaced parts –

  1. No deductions on parts made of glass
  2. 30% deduction on fiberglass components
  3. 50% deduction on parts made of rubber, nylon, or plastic like airbags, tires, tubes, and batteries
    For other parts, the rate of depreciation is as follows –
Age of the Vehicle Depreciation Applicable (%)
Up to 6 months Not Applicable
6 months to 1 year 5
1 to 2 years 10%
2-3 years 15
3-4 years 25
4-5 years 35
5-10 years 40
More than 10 years 50


(Source- Reliance General Insurance)

Additional covers available in Reliance Car Insurance

You probably must be thinking, if it is worthwhile to buy add-on covers? The add-on benefits come at an extra cost. Some features may even cost almost 20% of the basic policy.

But with these add-on covers, you can give yourself and your car the best possible protection.  You can secure your car against the unforeseen damages, which may arise while driving on the road. Here’s a quick rundown of the Reliance Car Insurance Add-on covers that you can buy-

1. Zero Depreciation Cover

Zero-dep cover helps in reducing car insurance premium significantly. The expenses pertaining to voluntary deductibles and depreciation of car parts are paid by the insured at the time of claim.

But with this add-on, you are entitled to claim the full amount of sum assured. Depreciation on car parts will not be deducted (except the tubes and tyres). If your car is new then nil-depreciation cover is highly recommended for you.

There are certain criterions to zero-depreciation cover with Reliance Car Insurance-

  • It is valid for a maximum of two claims during the policy period
  • A claim arising due to partial losses will be settled only if the repaired work was carried out at network garages
  • Compulsory deductibles  will be applicable on the claim amount and Voluntary Deductibles are optional

2. No-Claim-Bonus Protection Cover

No-Claim Bonus is accrued for every claim-free year. You can earn NCB in the insurance renewal premium for the subsequent year. With this add-on cover, you can earn no-claim-bonus even if you have made a claim with Reliance Car Insurance.

If the value of your car is less than 10 lakhs and is more than 2 years old, it is advisable that you opt for this benefit.

With Reliance Car Insurance NCB is applicable under the following circumstances –

  • The NCB should be 25% and above
  • Only one accidental claim has been settled during that policy period
  • The total payout is up to 25% of IDV, as mentioned in the policy documents
  • The normal grace period for this NCB is 90 days from the renewal/expiry of the policy

3. Motor Secure Plus Cover

To enhance your insurance coverage, you can go for this add-on cover. It is a mix of the engine cover, consumables cover and zero-depreciation cover in one plan.

Engine Cover

Undoubtedly, a car engine is the most important part. Engine protection cover includes damages caused to a car by lubricating oil leakage or water ingression. It covers damages caused to engine parts, gearbox parts, and differential parts.

Consumables Cover

Sometimes, the cost of consumables can significantly increase the car repair bill amount. In order to reduce the expenditure on consumable repair, it is advisable that you buy this add-on cover.

The cost of consumable items like engine oil, nuts and bolts, oil filter, screws, grease, washers, lubricants, AC gas, and brake oil is recompensed. Provided the damage was caused due to the perils mentioned in Reliance Car Insurance policy documents.

4. Motor Secure Premium Cover

It includes the Engine and Consumable Cover, along with key-replacement cover in one plan.

Benefits provided in Engine and Consumable Cover are same as Motor Plus plan. Check out the details of key protect cover below-

Key Protect Cover

Well, this is a common incident with all the car owners/driver. Misplacing or losing car keys inside the can create a lot of trouble.

If you have key protect cover, Reliance car insurance will cover the expenses incurred in repairing and replacing the set of car keys. The benefit is applicable under the following circumstances-

  • The benefit is valid for a maximum of two claims during the policy period
  • It is only applicable to damaged or broken car keys
  • Police FIR report is required in case of theft or burglary claim
  • The loss or damage should be reported to Reliance Car Insurance within 7 days of incidence
  • If the car keys are stolen or misplaced, the entire set of keys will be replaced by Reliance Car Insurance. It is subjected to policy terms and conditions.

Personal Accident Cover for Owner / Driver of the Vehicle

In case of injuries sustained by the driver or owner of the insured vehicle while driving it or mounting or dismounting from it, the coverage for any injuries or death resulting within initial 6 months from the incidence shall be compensated as mentioned in the table below –

Type of Injury Compensation Provided
Accidental Death 100%
Loss of either or both the eyes and limbs 100%
Loss of one eye or limb 50%
Permanent or total disabilities 100%


On payment of an additional premium, you can get personal accident cover to the unnamed passengers (other than insured). The compensation for the same shall be compensated as mentioned in the table above.

Voluntary Deductibles

You can significantly reduce the amount of car insurance premium if you opt for voluntary deductibles. It is a certain percentage of the claim amount that you can choose to pay on your own.

If you opt for higher voluntary deductibles, then the insurance premium will be low and vice versa.

Check out the discounts applicable on voluntary deductibles in the table below-

Voluntary Deductibles (in Rs.) Discount Applicable  on the Own Damage Premium
2500 20% ( maximum of Rs 750)
5000 25% ( maximum of Rs 1500)
7,500 30% ( maximum of Rs 2000)
15,000 35% ( maximum of Rs 2500)

Additional Discounts provided by Reliance Car Insurance

Apart from No-claim-bonus, there are certain additional discounts that you can avail with Reliance Car Insurance-

  • If you have an anti-theft device installed in your car
  • If you have membership from a recognized automobile association
  • If you have coverage for specific location usage

Claim Procedure followed by Reliance Car Insurance

Car insurance claim with Reliance Car Insurance can be made in a hassle-free manner by following these simple steps-

  1. Immediately call their helpline number to register your claim. It should be done as soon as the incident occurs.
  2. Claim settlement process will be initiated as soon as you furnish the following details to Reliance Car Insurance. It includes –
  • Name of the insured person
  • Policy number
  • Car make and model
  • Vehicle number
  • Date and time of the accident
  • Contact Details
  • A brief description of the incident
  • Location of the incident
  • Extent of loss
  • Name of the Garage
  1. Take the damaged vehicle to the registered garage for damage repairs and submit all the required documents to the surveyor.
  2. The vehicle will be inspected, and the claim and liabilities will be approved by Reliance Car Insurance. Repair work will not be carried out without an inspection.
  3. If you opt for cashless settlement with Reliance Car Insurance, you can get your car repaired at a network garage. Reliance Car Insurance will settle the bill ( up to the payable amount)
  4. Submit the self-attested copy of the RC book, driver’s license, and duly filled claim form to the garage.
  5. If you have not opted for a cashless claim settlement, you need pay the damage repair charges at the garage.  You can submit these bills to the surveyor for claim settlement or reimbursement.

One the claim is settled, you can take the repaired car from the network garage. 

Reliance Car Insurance Procedure for Accidental Claims

  1. For personal accident claims, you need to report the incident at their toll-free helpline number
  2. To initiate the claim, insured needs to submit the following details with Reliance Car Insurance-
  • Policy number
  • Name of injured/insured
  • contact details of the insured person
  • Time and date of the accident
  • Location of the accident
  • Extent of loss
  • Brief description of how the accident took place
  1. If it is a road accident, kindly inform the police authorities before notifying the claim to Reliance Car Insurance
  2. In cases of emergency, it is recommended to consult a doctor

Documents Required by Reliance Car Insurance

Following documents are required at the time of raising a claim request with Reliance Car Insurance –

For accidental claims-

  • Insurance Proof- Policy / Cover Note copy
  • Copy of Registration Book
  • Original Copy of Tax Receipts for verification
  • Police FIR is required to claim a third-party body injury, death or property damage
  • Original Copy of Motor Driving License of the person driving the car at the time of incidence
  • Repair estimate for the workshop, where the vehicle is to be repaired
  • Bills estimate and payment receipts after repair work is done
  • If the claim is cashless, Claims Discharge and Satisfaction Voucher on a Revenue stamp has to be submitted

For theft claims –

  1. Policy Document ( original)
  2. Service Booklet, Vehicle keys, and warranty card
  3. Registration Book ( original) along with Tax payment receipt and theft endorsement from the Regional Transport Office( RTO)
  4. Insurance Details of your Previous Policy – Insurance Company/ Policy number/  Insurance period
  5. Police FIR or JMFC Report of Final investigation report
  6. Acknowledgment letter addressing to RTO and intimating the theft and declaring the vehicle a total loss.

On Admission of Liability –

  1. Policyholder needs to sign Form 28, 29 and 30
  2. The Financer needs to sign Form 35
  3. Letter of subrogation ( it is legally required to recover money from a third-party)
  4. Letter of Consent from the insured and Financer with agreed claim settlement amount
  5. If the claim needs to be settled in the favor of the insured, NOC from Financer is required
  6. Claim Discharge Voucher (to be signed across a Revenue Stamp

The above list is just an overview; kindly refer to Reliance Car Insurance policy documents for additional information. 

Reliance General Car Insurance FAQS

Q1. How do I find Reliance Car Insurance network garage online?

Simple go to reliance general insurance website, click on the cashless garage and fill the car make, model and your name. Click on search to get the list of network garages in your vicinity.

Q2. What are the documents required to buy Reliance car insurance policy online?

When you are purchasing car insurance online you do not require any documentation. Just by entering car registration number in the online form, your car insurance quotation will be made available to you within seconds.  You simply need to provide the following details –

  • Car Registration number
  • Car manufacturing date (mm/yy)
  • Chassis number
  • Engine number
  • Previous motor insurance policy number (if any)
  • Date of car purchase
  • City from which car was purchased
  • Personal details of the applicant (Mobile number, email- id and address)

Make sure you have the registration copy of your car handy all the time.

Q3. What are the benefits of buying a motor insurance policy online?

1. Simplified Process

One of the greatest benefits of purchasing insurance for your car online is that you do not have to run from pillar to post. In the comfort of your home or workplace, you can buy car insurance online.

The process is also quite convenient and simplified. You can compare various insurance plans online, check the policy features and benefits and pick the one that meets most of your needs.

2. Easy to calculate your car insurance premium

Using online car insurance premium calculator, you can calculate car insurance premium within seconds. It gives you a fair idea of the expenses and accordingly you can choose the plan.

3. Additional Benefits

If you purchase car insurance online, you can avail benefits like- secure payment gateway and insurance renewal reminder

4. Pay Insurance Premium Online

You can easily pay car insurance premium using online payment options like credit card, debit card, net banking, Paytm and UPI .

Q4. What is a No Claim Bonus or NCB?

If you have made any claims in your policy period, NCB is added to your next policy period at the time of renewal. No Claim Bonus can also be transferred at the time of switching the policy.

You can earn No-claim-discount up to 20% for the first claim free policy renewal.25% in the second year and up to 50% for 5 consecutive claim-free years and so on.

You can opt for NCB retention cover by paying a small amount of premium.

Q5. Can I transfer my No-claim-bonus with Reliance Car Insurance?

Yes, the No-claim-bonus that you have accrued all the years is transferrable at the time of renewing your existing motor insurance policy. NCB can be transferred within 90 days of the policy renewal due date. If you wish to change your insurance company, then also it can be transferred.

For transferring NCB, you will need to provide the No-Claim Bonus certificate from the last insurance company to the new insurer.

Q6. What is an endorsement and what types of endorsements are there?

All the agreed changes in a car insurance policy are mentioned on an endorsement document. It is basically a written proof mentioning all the changes. The endorsement can be of two types –

  • Premium Bearing Endorsement – In this type of endorsement, an additional amount of premium will be charged for changes change of RTO location, an addition of LPG or CNG kit, transfer of ownership etc.
  • Non-premium Bearing Endorsement- In this type of endorsement, no premium is charged to incorporate corrections in engine number, name, contact details, chassis number etc.

Q7. What happens to my motor insurance if I change my job and move to a new place in the same city or different city?

If you move from one job to another your car insurance will not be affected much. Obviously, you need to inform about change of address, contact details, phone number.

It can also be changed online or at any of the Reliance Car Insurance branch in your vicinity.

If you are moving to another city, the cost of premium might be changed zone wise.

Zone A cities – All the metro cities have a higher premium rate. Cities that come under Zone A are New Delhi, Bangalore, Hyderabad, Chennai, Kolkata, Ahmedabad, Mumbai, and Pune.

Zone B – Rest of the cities come under Zone B.

If you are moving from Zone A to Zone B city then your premium will be reduced and vice versa.

Q8. If I need to make changes in my car insurance policy, how do I send them for the endorsement?

Changes to your four-wheeler insurance policy can be made in the following manner –

  • Submit the following details – Name, registration number, chassis number, engine number of your car that needs to be corrected.
  • Any change in the car, registration number, and RTO
  • Correction of address
  • Addition of LPG / CNG kit
  • Addition of electrical / non-electrical accessories,
  • Addition of security measures like anti-theft device etc.
  • Addition or change of hypothecation
  • No-Claim-Bonus change or recovery

To submit an endorsement, all you need to do it raise a service request online at their site-

Q9. What is Personal Accident Insurance cover?

Personal Accident Insurance cover offers you protection against permanent total disability and accidental death.

Personal accident cover of Rs. 10 lakh is provided for one year to the owner/driver of the vehicle.  Rs. 843 is charged extra to avail this benefit. It is valid everywhere around the world and it doesn’t matter if you or anyone else is driving.

Personal-accident cover for a third-person needs to be purchased separately, by paying an extra amount of premium.

Q10. If I have CNG/LPG kit fitted in MY car, but I have not endorsed it in the RC book, will it still be covered in my policy?

Car insurance will only be issued if it is incorporated on the Car’s Registration Certificate (RC) by the Regional Transport Office.

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