Reliance Car Insurance

Reliance General Insurance is a renowned general insurance company established on 17th August 2000. It is a part of the Reliance Group and referred to as one of the most trusted general insurance companies in India. The company has more than 28,900+ intermediaries across India. The company aims to become the first choice of customers in domestic as well as global markets. It caters to different needs of customers with its innovative solutions starting from Reliance car insurance to health, travel products and much more.

Highlights

**Last Updated on 05-11-2020

How To Renew Reliance Car Insurance Policy Online?

Renew With Reliance General Insurance

Reliance General Insurance Company Ltd. offers a hassle-free and simple process to

renew your car insurance policy. Remember to note the expiry date of your car insurance and follow these steps for easy renewal:

• Visit the Reliance General Insurance official website.
• Click on 'Car Insurance' given under the 'Car' tab present at the top of the page.
• You can see 'Existing Policy with Reliance' at the left side of the page showing two options of (YES/NO) slide the button right and select the 'YES' option.
• Enter your registered mobile or policy number and mark the box named 'I accept the terms and conditions'.
• Click on 'Renew My Policy' to proceed with the renew process.
• Check your policy details and make the payment. 
• On successful payment, you will be notified with an email in your registered email id.
• Print and save the premium deposit receipt for future references.

Renew With PolicyX.com

PolicyX.com enables its customers to renew their policies effortlessly from the comfort of home. Please follow the below steps:

• At the top-right corner of this page, go to 'Compare Car Insurance Quotes Online'. You can proceed with two options- enter your car's registration number and click on 'Get Quotes'. Or tap on 'Proceed Without Car Number' and enter the necessary details of your car like car make, registration year, variant and RTO code.
• Select the Reliance Car Insurance plan.
• Tap on 'continue' and make the payment.
• On successful transaction, a renewal confirmation mail will be sent to your registered email address.

Key Features and Benefits of Reliance Car Insurance

Cashless Claim Networks

The company offers cashless claim services in over 3800+ authorized network of garages across India.

Personal Accidental Cover

The policy covers the policyholder against any accident while (s)he is driving.

Discounts

You can avail discounts by installing anti-theft devices and opting for AAI membership. Apart from this, you can choose a higher proportion of voluntary excess on your claims and get a discount on premiums up to a maximum of Rs. 2,500.

Instant Claim Settlement Process

With a decade of experience, the company has now gained expertise in settling claims quickly without any hassles.

Roadside Assistance

The company offers the much-required 'Complimentary Roadside Assistance' worth Rs.500.

Tax Savings

It also comes out with tax benefits that lead you to tax savings under section 80D of the Income Tax Laws of India.

Customer Support

Reliance offers excellent customer service assistance to its clients. You can contact them anytime regarding your queries.

Premium Calculation For Reliance Car Insurance

The car insurance premium is calculated based on factors such as geographical zone, age and model of your car, cubic capacity of the car, etc. The given table shows the IDV, Zero depreciation cover and premiums for variants of different car models:

Table Data updated on 05-11-2020

**The values are calculated on the basis of (Delhi) city and registration year 2020.

What Are the Different Add-on Covers By Reliance Car Insurance?

• Nil Depreciation Cover: It is also known as zero depreciation cover that allows you to get the full claim amount without any deductions associated with the repair/replacement of depreciated parts such as rubber, metal, etc.
• NCB Retention Cover: NCB is a discount offered by the insurer for not claiming throughout the policy tenure and may increase year after year with a certain percentage. This add-on cover protects the NCB discounts in the event of Own Damage (OD) claim (maximum 2 are allowed in a policy year).
• Consumables Cover: The expenses incurred on consumable items such as screws, nuts and bolts, lubricants, brake oil, fuel filter, engine oil, etc. are covered under this add-on cover. It allows the customer for a maximum of 2 claims during the policy period.
• Engine Protector Cover: It offers suitable cover for expenses arising due to damage/loss of the engine by leakage of lubricating oil or water ingression. The parts of the engine together with differential parts and gearbox parts are also covered under this add-on feature.
• Key Protect Cover: This add-on provides cover for expenses incurred during repairing or replacing car keys, lock, or lockset.
• Daily Allowance Benefit: This add-on compensates the travel allowance to the policyholder when his/her car is under repairs for more than 3 days in an authorized network garage.
• EMI Protection: It offers coverage to the car purchased on a vehicle loan and is liable to pay up to 3 EMIs' if it is under repair for more than 30 days in a Reliance's partnered network garage. The EMI costs will be paid directly to the financial institution from where the loan has been taken. 

What Is the Claim Settlement Process of Reliance Car Insurance?

Registration of Claim

Step 1: The policyholder has to file the claim by connecting to the insurance company, which can be done through:

• Calling at the toll-free number 1800 3009, or 
• Chatting online through their virtual assistant (RIVA) present on the official website of Reliance General Insurance, or 
• By using the Facebook Messenger Application. 

Then, the insurer may ask for a few details such as the policy number, contact details, name of the policyholder, vehicle number, model of the vehicle, date and time of the accident, description of the accident.

Step 2: The vehicle has to be taken to a garage for repairs. The insurer will send an inspection team for the survey.

Step 3: After the inspection, the needed documents have to be submitted to the surveyor. This process will be conducted within a day.

Step 4: Reliance will approve the claim on the basis of confirmation of all liabilities as per the terms and conditions of the policy.

Step 5: Customers can opt for cashless settlements to get their vehicles repaired in network garages. The company will clear repair bills directly with the garage up to the payable amount.

Step 6: In case, where the policyholder has opted for reimbursement, then he/she has to pay for all the charges in a non-network garage. Then the receipt of the same has to be submitted to the surveyor along with the claim form. The insurer will analyze the same and reimburse accordingly. This will be communicated to the policyholder and the claim settlement process will be done within 10 working days along with the delivery of the car to the owner safely.

Documentation Required for Claim Settlement

There are multiple reasons for filing a claim and the required documents would be different as per the situation. Below are a few common circumstances:

i) Claims For Accidents

• Proof of Policy.
• Estimate for repairs.
• Registration Book and Tax Receipts.
• Original and copy of the Driving License of the driver.
• FIR for third-party property damage, death and body injuries.
• Repair bills and payment receipts.
• In case the claim has to be paid to the repairer, then the Claims Discharge along with Satisfaction Voucher signed across a Revenue stamp is needed.

ii) Claims For Theft

• Policy Document.
• Tax payment receipts.
• Registration Book with Theft endorsement and RTO.
• Insurance Details - Policy number/Insurer Name/Insurance period.
• Vehicle keys/service booklets/warranty card.
• Police Panchnama/FIR/Final investigation report/JMFC report.
• Acknowledged copy of letter address to RTO intimating theft and making vehicle "Non-Use".

iii) On Admission of Liability to the Third-party

• Policy Papers.
• Duly signed Claim Intimation Form.
• Copy of FIR.
• Self-attested copy of RC book.
• Copy of driving license.

Contact Details

Reliance Car Insurance Company

Registered Office Address:

Reliance General Insurance, Correspondence Unit, 2nd & 3rd Floor, Winway Building, 11/12, Block No. 4, Old No. 67, South Tukoganj, Near Madhumilan Square, Indore, Madhya Pradesh, India - 452001.

Telephone: 1800 3009 (toll-free), +91 22 48903009

WhatsApp Number: 7400422200

Timings (All Days): 9.00 AM to 7.00 PM - All Services

24 Hrs - Roadside Assistance

Email: rgicl[dot]services[at]relianceada[dot]com (Any queries or complaints regarding your car insurance policy)

PolicyX.com

Registered Office Address:

PolicyX.Com Insurance Web Aggregator Private Limited, 1st Floor, Landmark Tower, Plot no-2, Southcity-1, Opposite C-113, Ashok Marg, Sector-41, Gurugram - Haryana - 122001 India.

Email: helpdesk@policyx.com (For assistance & complaints)

telesales@policyx.com  (For any Sales query)

Toll-Free Number: 1800-4200-269

Reliance General Car Insurance - FAQs