Reliance Car Insurance

What is not Covered Under Reliance Car Insurance?

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

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

Advantages & Benefits of Reliance Car Insurance:

Reliance Car Insurance Coverage Details:

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.

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

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

1. 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:

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

1. A cover for electrical or non-electrical parts.

1. A 'Nil depreciation' cover

1. 'No Claim Bonus ' Retention cover.  

Reliance Car Insurance Add-on Cover Details:

Reliance General offers 'made-to-order' protection for every car insured with it. Not only is very affordable, but also offers a host of add-on benefits. Pay a little more than your basic premium and enjoy a wide array of advantages and additional coverages for your car. As Reliance puts it, "add-on covers are not just additional costs, they are assets that earn you several advantages."

Each add-on offered by Reliance has a unique coverage benefit. Choose the one that suits you best, from the following.

1. NCB Retention: This add-on cover is applicable to cars aged 2 years or above. It enables the insured to retain the earned No Claim Bonus (NCB) percentage, even after a claim has been made. In case you haven't opted for this additional cover and have made a claim in your previous policy period, the NCB would be nil.

For cars valued less than or up to Rs. 10 lakhs, this add-on can be availed while renewing the car insurance policy. Your car is eligible to enjoy the retainable NCB add-on under the following circumstances -

1. At least one approved accidental claim has been made during your policy period.
2. The NCB percentage of the insured car should be 25% and above.
3. The policy needs to be renewed within 90 days of its expiry.

2.  Personal Accident Bundle Cover: This add-on covers your car against accidents (in any part of the world), irrespective of whoever is driving it. This cover insures you against permanent total disablement and accidental death.

3.  Motor Secure Plus Cover: This add-on includes Nil Depreciation Cover, Consumables Cover and Engine Cover.

4.  Nil Depreciation Cover: This add-on exempts your car and its parts from deductions on account of the car's depreciating value.

1. Private cars with a maximum of two claims in one policy period can be covered under this add-on.
2. If there is a partial loss, the claim is settled only if the car is repaired at a workshop authorised by Reliance.

5.  Consumables Cover: In case of damage to the insured car, the expenses incurred on the consumable items (in the car) is covered under this add-on.

1. These items include nuts, bolts, screws, lubricants, clips, AC gas, etc.
2. Private cars with a maximum of two claims in one policy period can be covered under this add-on.
3. If there is a partial loss, the claim is settled only if the car is repaired at a workshop authorised by Reliance.

6.  Engine Cover: The expenses incurred while fixing damage done to your car engine, differential parts and gear box parts by water, leakage of lubricating oil is covered under this add-on. This coverage is applicable only if the insurer is intimated within 7 days of the loss/damage.

7.  Motor Secure Premium Cover: In addition to the above-mentioned Nil Depreciation Cover, Engine Cover and Consumables Cover, this add-on provides a Key Protect Cover for private cars.

8.  Key Protect Cover - Private Cars: Expenses made while repairing/replacing your car keys, locks, lockset (including the locksmith's charges), are covered under this add-on. The claim can be made during the policy period, if it has occurred through theft, burglary, etc.

1. Private Cars with a maximum of two claims during one policy period will be covered under this add-on.
2. A claim based on loss caused by theft/ burglary needs to be supported by an FIR with the police.
3. The replaced lock/key/lockset should be of the same nature as the one claimed for.
4. Given the nature of roads and unruly traffic cars are extremely prone to accidents and many other risks. Protect your car from every possible danger and unforeseen circumstances by choosing the aforementioned add-ons offered by Reliance Car Insurance.

Reliance Car Insurance Reimbursements:

The following costs are reimbursed by Reliance:

1. Vehicle's Damage: In case of your own vehicle damage, it reimburses:
   1. Actual cost of the repairs or any replacements
   2. 50% of the cost of replacement in the case of tyres and plastic/rubber parts.
   3. 30% of the cost of replacement in the case of fibre glass components.
   4. No replacement for glass parts.
2. Third party Liability: As per Motor vehicles act, Reliance reimburses the following things:
   1. Death claims for the third parties.
   2. Bodily injuries to third parties.
   3. 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.
   4. Property damage to third party.
   5. 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.

Reliance Car Insurance Discounts:

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

1. 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%.
2. 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.
3. Automobile Association: Being a member of any automobile association would save you paying more for your premiums.

Reliance Car Insurance Claim Process:

Reliance General Insurance offers a convenient and quick claim settlement process for Reliance motor insurance holders. Policyholders have the option of selecting either a cashless claim or a reimbursement claim depending on the type of emergency. Customers can check the status of their Reliance Car Insurance claims on the insurer's web portal and also get additional support from their 24/7 customer care helpdesk for any issues regarding their claim settlements.

Reliance Motor Insurance Claim Process:

A Reliance motor insurance claim can be made by customers without any hassles in just a few simple steps.

• 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.
• Details required to file a claim -

1. Policy number 
2. Contact Details 
3. Name of the insured person 
4. Date and time of the accident 
5. Vehicle number 
6. Make and model of the vehicle 
7. Brief description the accident 
8. Location and Extent of loss 
9. 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.

Reliance Personal Accident Claim Process:

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.

1.  Insured's contact details
2. Policy number
3. Name of insured person who is injured
4. Date and time of accident
5. Location and Extent of loss
6. 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.

Documentation Required for Claims for Accidents:

1. Proof of Insurance Policy
2. Originals and copies of Registration Book and Tax Receipts
3. Original and copy of the Driving License of the driver
4. Police Panchanama / FIR for third-party property damage, death and body injuries
5. Estimate for repairs
6. Repair bills and payment receipts
7. 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.

Documentation Required for Claims for Theft:

1. Original Policy Document
2. Original Registration Book with Theft endorsement the RTO
3. Tax payment receipts
4. Previous Insurance Details - Policy number/Insurer Name / Insurance period
5. Vehicle keys/service booklets/warranty card
6. Police Panchanama / FIR / Final investigation report/JMFC report
7. Acknowledged copy of letter address to RTO intimating theft and making vehicle "Non-Use"

Documentation Required for On Admission of Liability:

1. Duly signed Form 28, 29 and 30
2. Form 35 signed by the Financer
3. Letter of subrogation
4. Consent towards agreed claim settlement value from the insured and financier.
5. Claim Discharge Voucher signed across a Revenue Stamp
6. NOC of the Financier if claim is to be settled in the favour of the insured.

Reliance Car Insurance Customer Care:

To get clarifications for your queries, you can call the toll-free number of the insurance company. Alternatively, you can send an email to the customer service department of the insurer at rgicl.services@relianceada.com. The website of the insurer enables you to initiate a chat with a customer care representative to report issues or get clarifications. You can also request for a call back from the insurance company.

The Reliance General website has the branch locator facility using which you can identify the nearest branch office. You can also use the cashless garage locator tool to identify the network garages that offer cashless claim settlement. You can see the network garages by entering the make/model of the car or the city.