Reliance Car Insurance

Car insurance is a popular offering of Reliance General Insurance. Since its inception in 2000, Reliance General Insurance has managed to meet the car insurance needs of its customers with its effortless services. The different car insurance plans that Reliance General offers include Third-party Car Insurance, Comprehensive Car Insurance, and Standalone Car Insurance.

Key Features of Reliance Car Insurance

Why Should You Buy Car Insurance with Reliance General?

Listed below are some of the benefits of buying Reliance Car Insurance:

• Protection Against Damages: With Reliance car insurance plans, policyholders can ensure protection for their insured car against any kind of damage. At affordable premiums, the Reliance car insurance plan will provide financial compensation in case of any mishaps.
• Third-party Liability: If a third-party is damaged or suffers any kind of loss due to the insured car, then Reliance third-party car insurance will provide the necessary protection.
• Wide Range of Cashless Garages: Cashless garages or network garages are those where policyholders can get their insured car repaired in a cashless manner. With over 8,200 network garages, you will get your car repaired with Reliance car insurance plans.
• Quick Claim Settlement: Reliance Insurance has a dedicated team for claim settlement. So, when you buy car insurance plans with Reliance Insurance, you can stay assured of getting a quick and hassle-free claim settlement. With Reliance General Insurance, policyholders get 24*7 claim support.
• Add-on Options: In order to enhance the benefits of a car insurance plan, you can buy a number of add-ons. Some of the add-on options available are the No Claim Bonus cover, Roadside Assistance Cover, and several others.
• Self-inspection: The process of claim settlement with Reliance Insurance is quite hassle-free. Policyholders can easily upload videos of damaged parts of the insured car online and get it repaired.

Types of Reliance Car Insurance

There are different types of car insurance plans that you can buy with Reliance Insurance as per your requirements. Here are some of the types of car insurance plans that you can buy with Reliance Car Insurance:

• Third-party Car Insurance: Out of all the other types of car insurance plans, third-party car insurance is a must as per the Motor Vehicles Act of 1988. Third-party car insurance provides financial compensation if a third party is damaged or injured due to the insured car. The premium of third-party car insurance is comparatively lower than other types of car insurance plans offered by Reliance Insurance.
• Comprehensive Car Insurance: Comprehensive car insurance provides complete protection to the insured. Be it third-party liabilities or any other kind of damage to the car, everything is covered under Comprehensive Car Insurance.
• Standalone Car Insurance: Standalone car insurance has a lower premium than Comprehensive car insurance. With Standalone car insurance, policyholders get financial compensation for their insured car.

Tips to Buy the Best Car Insurance Plan

To buy the best car insurance plan, you need to keep several things in mind. Listed below are the tips to buy the best car insurance plans in India:

• Check the Policy Coverage: It is very important to understand the coverage offered under different car insurance plans and accordingly buy a desired type of car insurance plan. This will help you understand whether your requirements are met under that particular car insurance plan or not.
• Add-ons: On adding car insurance add-ons to your car insurance plan, its benefits simply multiply. So, while buying car insurance plans with Reliance Insurance, you must check whether there is an option to include add-ons or not.
• Car Insurance Premium: More than anything else, it is crucial that you check the car insurance premium. This is because if you buy a car insurance plan that does not fit your budget then it makes no sense.
• Availability of Network Garages: The more the number of cashless garages, the easier it is for policyholders to get their car repaired in a cashless manner. So, before buying any car insurance plan, check the number of network garages that has a tie-up with your desired insurance company.
• Claim Settlement Ratio: The higher the claim settlement ratio of any company, the greater its efficiency in getting car insurance claims settled. This indicates that you must buy car insurance plans with a company that has a higher claim settlement ratio.

Inclusions and Exclusions of Reliance Car Insurance

Here are some of the inclusions and exclusions of Reliance Car Insurance:

Inclusions:

• Coverage against any damage to a third party
• Financial compensation for repair costs of damaged car
• Coverage for a lost or stolen car

Exclusions:

• If the driver is riding under the influence of alcohol or drugs and there is damage to the car
• If the driver is riding without a valid driving license and other important documents and any mishap takes place

Reliance Car Insurance Add-ons

Listed below are some of the add-ons that you can include in your car insurance plan:

• Zero Depreciation Cover
• NCB Retention Cover
• Return to Invoice Cover
• EMI Protection Cover
• Engine Protection Cover

Benefits of Buying Reliance Car Insurance Online

In today’s time when everything is digital, it makes sense to buy car insurance plans online. Scroll through the section below to know about the benefits of buying Reliance car insurance online:

• No Paperwork Involved: On buying car insurance plans with Reliance Insurance online, policyholders need not submit any papers. They can simply upload the documents online and buy car insurance from the comfort of their home.
• Comparing Different Plans: Traditionally, customers had to get in touch with insurance agents to compare different plans available. Now, on buying car insurance plans online, customers can easily compare plans by entering a few details.
• Discounts: There are several insurance companies that offer discounts when you buy car insurance plans online. So, buy car insurance plans online and enjoy great discounts.
• Instant Quotes: While buying car insurance online, you will get instant quotes about the different car insurance plans. You just need to enter a few details to view car insurance quotes.

Tips to Save on Car Insurance Premium?

Here are some simple ways to save on car insurance premiums:

• The No Claim Bonus increases if you do not raise any claim in a given year. So, avoid raising car insurance claim for minor damage and save the No Claim Bonus. On saving the No Claim Bonus, you will also get discounts on car insurance premiums.
• On choosing a voluntary deductible, you will be able to save on car insurance premiums.
• Installing safety devices also helps in lowering car insurance premiums. For instance, if you have an anti-theft device installed in your car, then there is less risk of it being stolen and thus the car insurance premium will be lower.

How to Raise Car Insurance Claim?

To raise car insurance claims, here is all that you need to do:

• Inform Reliance Car Insurance about the mishap
• Fill out the claim form, and later a surveyor will be assigned to estimate the total damage
• Once the survey is completed and a report is sent to Reliance car insurance, you can get your car repaired at a cashless garage or others
• Finally, Reliance Car Insurance company will reimburse you in case you opt for reimbursement car insurance and pay for the damages directly if you choose cashless claim settlement

Steps to Renew Expired Car Insurance Policy

Listed below are the steps to renew an expired car insurance policy:

• Go to the car insurance page on Reliance General's website
• Then, enter details like car registration number and other details
• From the list of plans select a desired plan and opt for add-ons, if you wish to do so
• If you had raised no claims in the past year, click on No Claim Bonus
• Finally, make the premium payment and get details of car insurance renewal on your registered email id