Reliance Car Insurance 2023 – Buy, Claim & Renewal

Reliance Car Insurance 2023 – Buy, Claim & Renewal : Are you thinking of getting car insurance then you are reading the right article. Through this article, we will give you information about Reliance Car Insurance such as how to take insurance, which is the best plan, what will be the documents, why should you choose this insurance. Apart from this, keep reading this article till the end to know if we will also provide terms and conditions, renewal process, claim process, customer care number.

What is Reliance Car Insurance?

An insurance policy that protects you from financial loss if your car is damaged by events like accident, theft, natural and man-made calamities, is known as car insurance. It is also known as auto or motor insurance.

Reliance General Insurance is a well-known insurance company in India. It provides many types of insurance policies. It offers its customers a wide variety of car insurance policies with a wide range of options. Through Reliance Car Insurance policy, you can protect your car from any damage that may happen. Whether natural or man-made or any financial liability by any third party. Reliance car insurance policy keeps you free from all kinds of liability.

Reliance Car Insurance also gives you the option to add additional add-on covers. Through this you can opt for additional coverage for your car. However, you have to pay an additional premium for adding these add-on covers. Also, Reliance General Insurance caters to all the needs of its customers quickly and effectively. Its customer service facility is also very fast and of high quality.

Why Buy From Reliance Car Insurance?

Car insurance offered by Reliance General Insurance Company should be chosen because here you can Renew, Buy, Cliam, Renew your policy in less than 5 minutes, apart from this, you also get many types of facilities here. Is:

• There is a facility of about 6,200+ cashless garage networks in India where you can get the damage done in your car repaired.

• The settlement ratio for claiming insurance is 84.26% so that for any inconvenience one can claim insurance immediately.
• In case of an emergency, the facility of Emergency Assistance is available which is available 24 hours a day.
• Using Self-i App, you can make an insurance claim by doing self inspection through video.
• You can use Self-i App to locate your nearest cashless network garage.
• You can also buy the lowest premium for your car.
• You can also get a discount on your premium amount.
• There are 7 add-on plans you can choose from to strengthen your basic car insurance plan.
• According to the report of 2019, more than 56 lakh people have bought this policy in India.
• The process of claiming insurance is digital.
• It has more than 139 branches available from where you can renew, buy, claim your insurance.
• For any problem, 24*7 customer support is available, through which you can also buy an insurance policy.
• In case of accident and theft, you can avail the benefit of cashless claim by providing sufficient evidence.
• Car insurance not only provides cover for damage caused due to accident but also covers you against theft, natural calamity, fire damage, vandalism, man-made calamities etc.

Reliance Car Insurance Policy Key Features:

Insurance Policy Name	Reliance Car Insurance Policy
Minimum age to buy insurance policy	over 21 years
required documents	Driving License, Aadhar Card, Vehicle Documents etc.
How much claim do you get?	more than 15 lakhs
Where can I buy an insurance policy	Online from official website, Partnership website
is it safe	yes it is safe
Claim Settlement Ratio	84.26%
Network Garages	6,200+
Emergency Assistance	Available 24/7
Policies Issued	56 lakh+ in FY19
Claim Process	Online
Review And rating	4.6/5
Reliance Self-i App	Click Here
Web Portal	Click Here

Benefits of Reliance Car Insurance

1. No Claim Bonus-

No Claim Bonus is provided to you if you take a Reliance Car Insurance policy and do not file any claim during the policy term. In this, you are offered a discount of up to 5% on the premium.

2. Claim Process-

The medicine process of Reliance Car Insurance is quite simple. You can also complete your medicine process through online mode or through video call.

3. Claim Settlement-

The claim settlement of Reliance Car Insurance is also quite high. It settles the claims made by its customers in less time.

4. Add-on-

Reliance Car Insurance gives you the option to add a variety of add-ons. You can avail additional coverage for your car through these add-ons. However, you have to pay an additional premium for adding the add-on cover.

5. Third Party Damage Cover-

Third Party Reliance Car Insurance covers loss caused to a third party. In this, the insurance company bears all kinds of financial responsibility to the third party. Taking a third party insurance policy has been made mandatory in India through the Motor Vehicles Act 1988. If you are caught driving without a third party insurance policy, you will have to pay a fine.

6. Comprehensive Car Insurance Policy-

A comprehensive car insurance policy provides a comprehensive protection to your car. Plus you can add a variety of add-on covers to it. Any damage to your car or third party liabilities all types of facilities are provided in this policy.

7. Cashless Network Garage-

You can avail cashless repairs by getting your car repaired at Reliance Car Insurance’s Network Garage. You do not have to pay any kind for this. In this, online payment is made directly to the garage by the insurance company.

What is included in Reliance car insurance policy?

• Any expenses incurred to repair or replace any damage to your car caused by an accident,
• Loss due to natural calamities (from flood, typhoon, hurricane, tsunami, lightning, earthquake, landslide etc.),
• Loss due to man-made calamities (riots, sabotage etc.),
  car theft,
• Personal accident cover
• Third-party legal liability.

What is not covered in Reliance car insurance policy?

There are also certain circumstances in which a Reliance car insurance policy can reject your insurance claim. Now we will go through the circumstances in which your insurance claim can be rejected by a car insurance policy.

• Drink driving,
• Driving a car without a license,
• Depreciation,
• Damage due to negligence (such as driving on a waterlogged road),
• Breach of any terms or conditions,
• Common wear and tear of car parts,
• Mechanical or electrical breakdown,
• Loss caused by war or nuclear exposure.

Reliance Car Insurance Add-on Cover

Reliance Car Insurance also provides you the facility to add add-on cover to your car insurance policy. We will discuss here some of the add-on covers offered by Reliance Car Insurance.

1. Reliance Zero Depreciation Car Insurance: Zero Depreciation Add-on gives you the advantage of providing comprehensive cover without reducing the cost of depreciation of any part of your car except tyres, tubes and battery.

2. No Claim Bonus Retention: A discount given to policyholders for not making any claim during the policy term.

3. Consumables Cover: It offers compensation for any damage caused by the consumable parts and accessories of the car such as engine oil, nuts and bolts, washers, grease, etc.

4. Engine Cover: Engine cover add-ons can get compensation by the insurance company for the expenses incurred due to repair of damaged engine parts and gearbox parts.

5. Key Protect Cover: This add-on cover compensates you for the amount you receive a duplicate key in case your key goes missing.

6. Daily Allowance Benefit: If your car is being repaired at the insurance company’s network garage and the repair takes more than 3 days and you only need to travel by car, then this add-on cover will be added to your daily allowance. will give compensation for ,

7. Car EMI Protection: It covers the EMI of your car.

8. Electrical/Electronic Accessories: Can get compensation for expenses incurred on repair of electrical/electronic fittings in the car.

Reliance Car Insurance Premium Calculation

1. Age of Vehicle Owner:

The age of the vehicle owner is taken into account while calculating the Reliance Car Insurance premium. If the age of the vehicle owner is between 18 to 25 years then they have to pay higher premium amount as compared to other persons.

2. Fuel Type:

Reliance car insurance premium also depends on the fuel type of the car. The minimum premium to be paid for a CNG type car is Rs. The premium to be paid is higher for diesel type vehicles as compared to petrol vehicles.

3. Geographical Location:

Reliance car insurance premium also depends on the geographical location. Like how do you drive the car in the field? What are the geographical conditions there? If it is less risky then you have to pay work premium, but if the probability of risk is high then you have to pay higher premium.

4. IDV:

The Insured Declared Value (IDV) is the maximum amount the insurance will pay in case of any damage to your car. Your premium is decided on the basis of this amount.

5. Cubic Capacity:

The cubic capacity of your car i.e. engine capacity is also considered for Reliance Car Insurance premium. The higher the engine capacity, the higher the premium you will have to pay.

6. Other Factors:

Apart from this, other factors like add-on cover, purpose of the vehicle, features like safety equipment in the vehicle are also taken into consideration while calculating the Reliance car insurance premium. If you use safety equipment in your vehicle, you may be provided with a premium waiver.

Types of Reliance Car Insurance Policy in India

As per the requirement of the applicant, Reliance General Insurance offers three types of car insurance as follows:

Comprehensive car insurance

Own car damage insurance

Third-party car insurance

Compare Reliance Car Insurance Plans

Coverage	Comprehensive	Own Damage	Third-Party
Damage due to natural calamities	Yes	Yes	No
Damage to third-party vehicle/property	Yes	No	Yes
Customize car IDV	Yes	Yes	No
Damage due to fire	Yes	Yes	No
Losses due to theft	Yes	Yes	No
Dama ge to your own vehicle	Yes	Yes	No
Optional Add-ons	​
Total cover	Yes	Yes	No
No claim bonus retention cover	Yes	Yes	No
Personal accident cover	Yes	Yes	No
EMI protection	Yes	Yes	No
Nil depreciation	Yes	Yes	No
Return to invoice cover	Yes	Yes	Yes
Engine protection	Yes	Yes	No
Daily allowance benefit	Yes	Yes	No

How to Buy Reliance Car Insurance Online?

To buy an insurance policy for your car, you can follow the steps given below:

Step 1 . Visit the Reliance General Insurance Official Website

Step 2 . Then click on the Car section.

Step 3 . Now select the Car Insurance menu.

Step 4 . After this, after checking your vehicle number, email id, mobile number, condition, click on Check Our Prize.

Step 5 .Choose the policy according to you and compare them with other insurance policies

Step 6 . After selecting the policy read the terms and conditions and then click on “Proceed”.

Step 7 . You can then add or remove add-ons from your policy. However, you can buy add-ons.

Step 8 . After that make online payment for the chosen policy, you can use your Debit/Credit Card, UPI and Net Banking to pay the premium amount.

Step 7 . Once the payment is done, the insurer will send you the policy document on your registered email id as well as at your home address.

Remember: While selecting a car insurance policy, carefully check the Terms of Condition, Claim Settlement Ratio , Premium Amount etc., otherwise, there may be many problems in future. Be sure to also check the details of your car insurance policy including the expiry date of the policy.

Reliance Car Insurance Renewal Process Online

To renew your car insurance online, you can follow the steps given below:

Step 1 . First of all go to the official website.

Step 2 . Fill all the details of your car and click on the insurance policy “Renew”.

Step 3 . After this fill and submit your personal information like name, email, car registration number, insurance policy number, policy expiry, previous claim details etc.

Step 4 . Select a car insurance renewal plan according to you from the available options and required add-ons.

Note : If you have become claim-free in the previous year, enter your no claim bonus.

Step 5 . After filling all your required details, pay the premium.

Step 6 . After this the insurance of your car will be renewed.

Reliance Car Insurance Policy Renewal – Offline Process

You can renew your car insurance by dialing Reliance General Insurance’s toll-free number 18003009. Apart from this, you can also visit your nearest branch to get your policy renewed.

Reliance Car Insurance Claim

Claiming for Reliance Car Insurance is very easy, for this you can follow the steps given below:

Step 1. Register Claim

You can register your claim by video inspection using Selfie app or you can call on (022) 4890 3009 (paid number).

Step 2. Submit Documents

Submit the form after filling the details like your policy number, car registration number, car and model type etc.

Step 3. Claim Approval

After submitting your documents, you have to wait for the approval of the insurance claim status. You can check the process status in the Selfie app.

​Step 4. Settlement

Once the claim is approved, it will be settled, ie you will be provided with insurance cover for the loss or damage caused.

Required Documents for Car Insurance Claim

The following documents will be required to take Reliance Car Insurance online which are as follows:

• A photocopy police FIR
• Car Registration Certificate (RC)
• driving license
• Hand filled application form by the policyholder
• Certificate of fitness for commercial vehicles
• Insurance document verified by a witness

Note: The insurance company will settle your claim within a week from the date of submission of all required documents.

Required Car Insurance Eligibility

There are some terms and conditions for taking Reliance Car Insurance, if you follow the terms and conditions then you can easily apply online in less than 2 minutes.

• You must be an Indian citizen.
• You must be above 21 years of age.
• You should also have driving license, aadhar card, pan card etc.
• It is mandatory to have mobile number linked with Aadhar card.
• You must have all the necessary documents for the new, used, second hand car.
• You also need to have a bank account number.
• You can use Wallet, UPI, Paytm, Phonepe , Google Pay , Debit Card , Credit card to make payment.
• To register online, it is also necessary to have a smartphone, internet connection.

Reliance Car Insurance Customer Care Number

Reliance General Insurance provides customer service facility to its customers, if you are facing any kind of facility then you can get the solution of your problem by calling on these numbers.

Call US: 91 22 48903009 (Paid Number)

My Review on Reliance Car Insurance 

If I tell about my personal experience, Reliance General Insurance is the most popular insurance company in India, from where you can get Car Insurance, Bike Insurance, Health Insurance, Vikalp Insurance, Business Insurance in just a few minutes. Apart from this, some finance websites and finance companies keep offering different discount offers on Reliance Car Insurance. This company also provides the facility of making insurance claims through video call, apart from this you also get the facility of no claim bonus.

My Last Word on Reliance Car Insurance

In this post, we have learned that we have provided information about How to get Reliance Car Insurance, Reliance Insurance Buy/Renew Online, Benefits, Customer Care Number, Reviews. I hope this article is getting help for you, you can get the solution of your problem by following us on social media platform for similar latest information. Friends, thank you very much for reading this article till the end!

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Some FAQ’s for Reliance Car Insurance