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Reliance Comprehensive Car Insurance Policy

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Highlights
    Network Garages6,200+
    Claim Settlement Ratio84.26%
    Emergency AssistanceAvailableAvailable 24/7
    Policies Issued56 lakh+ in FY19
    Claim ProcessDigitally Enabled
    Presence139+ branches

    Reliance Comprehensive Car Insurance

    It is better to go for comprehensive car insurance plans instead of just third-party liability cover. Reliance General offers complete protection to your car, to yourself as well as the third-party liabilities through Reliance comprehensive plans

    Regular maintenance can keep your car give good performance but it cannot save it from the unforeseen mishaps of the road. Instead of playing the fortune game, deal with the uncertainty of accidents with Reliance General comprehensive car insurance policy. Be it fire, flood, riots, earthquake or even theft, your car will always remain covered under a comprehensive plan. Reliance General also offers a 24x7 roadside assistance within a 25-km radius of the breakdown location, through the plan. Moreover, you can also add Anywhere Assist Services (chargeable) by downloading Anywhere Assist App on your Android Smartphone.

    Reliance Comprehensive Car Insurance vs Third Party Car Insurance

    Basis

    Comprehensive Car Insurance

    Third Party Car Insurance

    Coverage

    Comprehensive car insurance provides coverage for both own damage cover and the third party liabilities.

    Third party car insurance covers any damage or loss caused to the third party by the insured’s car.

    Add-ons

    With the purchase of this policy, the policyholders can opt for various add-ons such as Zero Depreciation cover and Personal Accident cover.

    This policy does not offer any add-on to the policyholders.

    Premium

    The premium for this policy is relatively higher since it provides extensive coverage.

    The premium for this policy is lower given the limited coverage.

    Nature of Requirement

    It is optional.

    It is made mandatory as per the Indian Motor Tariff.

    What All Is Covered Under Reliance Comprehensive Car Insurance Plan?

    With the Reliance comprehensive car insurance, the policyholders are secured from all the damage and loss caused due to any unwanted circumstances. The coverages provided under the Reliance comprehensive car insurance policy is as following:

    • Own-damage coverage against theft: This plan also insures the car against theft.
    • Third Party Liability: Bodily injuries/death/permanent disability of a third party as well as third party property damage caused due to insured’s car is covered under this plan.
    • Own-damage coverage against natural calamities: Own-damages incurred by the insured’s car due to natural disasters such as flood, earthquake etc.
    • Own-damage coverage against man-made disaster: The insurer provides coverage for own-damage incurred by the insured’s car occurred due to riots, strikes, etc.

    What All Is Not Covered Under Reliance Comprehensive Car Insurance Plan?

    The Reliance comprehensive car has a few limitations when it comes to providing coverage. The factors not covered under this policy are as following:

    • Regular wear and tear: Depreciation charge is applicable under the reliance Comprehensive car insurance policy. Insured cars are not provided coverage against regular wear and tear unless they have opted for the Zero Depreciation coverage.
    • Commercial activities: cars used in or for commercial activities will not get covered against damage or loss under this policy.
    • Illegal activities: car engaged in illegal activities can not avail the coverages provided under the Reliance Comprehensive car insurance policy. In the case of illegal activities such as underaged driving, the policyholders will have to bear the cost of damage or loss.
    • Driving without a valid licence: Driving without licence falls under illegal activity and thus is not covered by the Reliance Comprehensive car insurance policy.
    • Driving in the intoxicated state: Any damage or loss of the insured car and the owner or driver caused due to driving under intoxication is not valid for coverage under this policy.
    • Driving outside geographical zone: The Reliance Comprehensive car insurance policy has a geographical limitation. Injury or loss gained during driving outside the pre-determined geographical area is not covered by this policy.
    • Other limitations: The Reliance Comprehensive car insurance policy does not provide coverage for various other situations such as compulsory deductibles, damage to tyres and tubes, mechanical and electrical breakdowns.

    Reliance Comprehensive Car Insurance Benefits

    The Reliance comprehensive car insurance comes with many advantages in the form of additional features. The policyholders can get the below-mentioned benefits by opting for the Reliance comprehensive car insurance policy:

    • Protection against third party liabilities.
    • Quick and hassle-free claim settlement
    • 24x7 active telephone support and assistance
    • Availability of multiple add-ons for maximum coverage
    • Easy purchase and instant renewal via various channels
    • Availability of optional Personal accidents cover of Rs. 15 lakh
    • Financial and legal assistance during any unanticipated events
    • More than 6,200 network garages providing cashless repair and replacement services all over India.

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    20062019
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    Must Read Articles before buying Reliance Car Insurance

    Reliance Car Insurance User Reviews

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    • Highly recommended plan

      The Reliance car insurance I bought from the InsuranceDekho website for my Honda City car is amazing in itse...

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      By Harshit Singh
      On: May 23, 2022
    • Detailed description

      I was looking for a car insurance plan to secure my Skoda Octavia. The InsuranceDekho website had a detailed...

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      By Taran Singh
      On: May 20, 2022
    • Top insurance companies listed

      The InsuranceDekho website consists of a list of all the top insurance companies which helped me choose the ...

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      By Jatin Kumar
      On: May 18, 2022
    • Policy issued at ease

      The process to issue plans from the InsuranceDekho website is way too easy. I recently bought the Reliance c...

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      By Ritesh Yadav
      On: May 9, 2022
    • Purchased at ease

      Buying a plan from the InsuranceDekho website is not at all tough, we just have to follow some steps and it'...

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      By Naresh Kumar
      On: April 15, 2022
    • Plans with the best coverages ...

      I was able to generate car insurance quotes easily on the InsuranceDekho’s website by entering my Toyota Eti...

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      By Sushruti kaushik
      On: April 8, 2022
    • Availability of add-on covers

      While buying the Reliance car insurance plan for my Honda New Amaze, I saw various add-on covers that were a...

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      By Piyush Bansal
      On: April 6, 2022
    • Variety of plans

      There are a variety of plans available on the InsuranceDekho website. This helped me choose the most suitabl...

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      By Vineet Kumar
      On: April 4, 2022
    • A wide range of add-on covers ...

      While buying the Reliance car insurance plan for my Honda New Amaze, I saw various add-on covers that were ava...

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      By Ashish Joshua
      On: March 30, 2022
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    7 Reliance Cashless Garages in India

    Reliance Comprehensive Car Insurance FAQs

    • Why should I purchase a comprehensive car insurance policy from Reliance General?

      There are a few things that can compel anyone to choose Reliance General to insure your car, over any other company.

      • 24x7 instant roadside assistance
      • 24x7 AnywhereAssist Service
      • Robust customer service
      • Network of more than 6,200 cashless garages
    • How much premium do I need to pay for a comprehensive policy?

      The amount of premium depends on a number of factors. To calculate the premium for the Reliance comprehensive car insurance policy, visit our website www.insurancedekho.com and get quotes post entering basic details.

    • What is No Claim Bonus?

      No Claim Bonus or NCB is a type of discount offered by all other general insurance companies (including Reliance General) if no claim is filed during the insurance period. You can retain this benefit even after filing a claim if you have purchased NCB protection add-on cover.

    • Does Reliance General Insurance have a cashless garage network?

      Yes. Reliance General Insurance has a vast network of more than 6,200 garages that offers hassle-free cashless claim settlement to the policyholders.

    • Is there any concession offered on the personal-damage premium?

      Yes, if you are a member of the Automobile Association of India you can secure a discount on the personal-damage premium.

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    Cashless Garages in Popular Cities

    CityNo of Garages
    Delhi216
    Gurgaon53
    Noida52
    Ghaziabad44
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    #Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.