Sign In

Reliance Private Car Insurance Policy

Existing policy with Reliance?

 

Reliance Private Car Insurance Policy

Benefits

motor/car insurance policy


​​​​​​​​​​​​​​​​​​Drive away with Reliance Private Car Insurance policy to get made-to-order protection for your car at a superb price. This comprehensive online car insurance policy gives you the confidence you need behind the wheel.

You can buy your policy online through our various payment options like Paytm, Net Banking, Debit/Credit card etc available for your conve​​nience​​.​​

This comprehensive online car insurance policy gives you the confidence you need behind the wheel.​You can buy your policy online through our various payment options like Paytm, Net Banking, Debit/Credit card etc available for your conve​​nience​​Take a free quick quote using our online car insurance calculator to compare​ car insurance with​​ others.

    
Premium (Rs)3,9367,75714,249
    
Coverages   
    
Burglary & House Breaking5,00,00010,00,00020,00,000
Fire & Allied Perils - Contents5,00,00010,00,00020,00,000
Domestic Mechanical & Electrical Appliances50,0001,00,0002,00,000
TV, DVD50,0001,00,0002,00,000
Plate Glass2,00,0001,00,0002,00,000
Personal Accident(Earning Member)2,00,0003,00,0005,00,000
Spouse2,00,0003,00,0005,00,000
Jewellery1,50,0003,00,0005,00,000

  • Renew car insurance policy​ online for your Maruti , Mahindra and Hyundai car with our Private car insurance policy.​​
  • ​Multiple choices of customised add-on covers on our car policy to give you better coverage
  • Quick and hassle-free settlement for your online car in​surance claims

Take a free quick quote using our online car insurance calculator to compare​ car insurance with​​ other insurers​​​​ to buy the best car insurance in India.

*Discount applicable on select models and cities. Above mentioned discounts on vehicle insurance has been calculated on the basis of rate prescribed under erstwhile Indian Motor Insurance Tariff. The car insurance premium amount is subject to change in case of any change in the actual claim status subsequent to the date of this communication​.

Get your quick quote now or call us on 1800 3009 (Toll free). Read on to know more about our motor car insurance policy.

We've tried to cover all the basic elements in our vehicle insurance policy, so if your car is damaged due to any of the following reasons, or lost, we have it covered!

  • Accident
  • Fire
  • Lightening
  • Self-Ignition
  • Explosion
  • Theft
  • Riot & Strikes and / or Malicious Acts
  • Terrorism
  • Earthquake
  • Flood
  • Cyclone
  • Inundation
  • Transit by Rail, Road, Air & Elevator

Damage or loss is one thing, but what if you’re stranded? Well, we can help you out with our new feature 24x7 Anywhere Assist service, which is free of charge. We offer roadside help within a large 25-km radius of your car breakdown location for any of the following problems:

  • Towing Assistance
  • Battery Jumpstart
  • Minor Repairs
  • Tyre Punctures
  • Emergency Fuel Assistance
  • Delivering Back-Up Key
  • Organising a taxi
  • Organising Hotel Accommodation
  • Sending Outgoing Messages

25-km is a large distance, but in case our network garage is beyond that, there will be requisite charges.

To avail 24x7 instant roadside assistance download Anywhere Assist App on your Android Smartphone Click Here

Apart from this, we recommend that you opt for Third-Party Liability Cover for your car insurance because it is now compulsory as per the Motor Vehicles Act. It cov​ers third-party property damage and provides liability for the third-party in case of injury or death. Simply put, this cover offers you protection if the other party is uninsured or underinsured.

Finally, we also bring to the table some add-on covers that will help to customise your automobile insurance policy. Here's what you can choose from!

  • Electrical or Electronic Accessories
  • Non-Electrical Accessories
  • Bi-Fuel Kits Comprising LPG/CNG Systems
  • Legal Liability to Employee, Paid Driver, Cleaner & Conductor
  • Racing & Speed Tests
  • Dexterity Trials & Hill Climb Extensions
​ ​​ ​

Although we'd like your motor insurance to cover all types of situations, it isn't possible. Some of the exclusions are:

  • Normal wear-and-tear of the car
  • Mechanical and electrical breakdown
  • Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose. 
  • Damage to / by person driving without a valid driving license
  • Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
  • Loss or damage due to depreciation of the car's value
  • Loss or damage due to war or nuclear risks
  • Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered.
  • Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

Personal Accident Insurance FAQ

Benefits

Personal Accident Insurance Reviews and Ratings

Average Rating:

4.5(Based on 111 ratings)

Showing 10 reviews

  • “Good product!”

    Great product gives complete coverage overall

    Sandeep Jaiswal30 November 2016, Ghatkopar
  • “Personal accident policy with zero inconvenience”

    The Reliance team members were really co-operative and helpful, I got my personal accident policy with zero inconvenience.

    Sahil Bharath30 November 2016, Dadar
  • “Good assistance”

    Good service. The call centre team gave a detailed information about the product and assisted us throughout the entire process on purchasing the accident insurance.

    Tejeshwar Gupta29 November 2016, Airoli
  • “Thanks for helping”

    Appreciated the efforts taken by your web team in helping me choose the right personal accident insurance policy. Thanks a lot.

    Avnish S29 November 2016, Kopar Khairane
  • “Overall a good experience”

    Purchased a personal accident policy on 15th November. Got a good price and the team was very helpful. Overall a good experience.

    Vikas D29 November 2016, Lokhandwala
  • “Good assistance in buying a personal accident policy”

    Good assistance in buying a personal accident policy. Even after buying, they answered all my queries and helped me get the status of my policy quickly.

    Sahil J29 November 2016, Mumbai
  • “Very satisfied with Reliance General”

    The accident cover was very much in my budget and fulfilled my expectations. The service was swift. Very satisfied with Reliance General.

    Tausif K29 November 2016, Jogeshwari
  • “Assistance and information provided on the website is sufficient”

    Did not even need the assistance of an agent. The assistance and information provided on the website is sufficient to make a purchase of accidental insurance policy

    Rahul S28 November 2016, Thane
  • “Call centre team made the entire process easy”

    The team is well versed with all their products. They took time out and explained all the details of the policy, helped me in understanding which product would I require and made the entire process easy.

    Satish K28 November 2016, Mumbai Central
  • “Purchased my personal accident policy online”

    Purchased my personal accident policy online. Got a good deal at a competitive rate. Very happy.

    Mayuri K28 November 2016, Andheri
  • See all reviews

Add-on covers are not just additional costs, they are assets that earn you several advantages. Choose well!

NCB Retention

We offer this add-on for any private car which is 2 years old or above. With this add-on, we can help you to retain your earned No-Claim Bonus (NCB) percentage, even after you've made a claim. Without this additional cover, the NCB would drop to 0% if you've made a claim in the previous policy period.

Also note, if the value of your car is less than or up to Rs. 10 lakh, you can avail of this add-on while renewing your previous policy with us or even a previous policy from another company.

The retainable NCB is applicable when :

  • The NCB percentage of the vehicle should be 25% and above
  • One approved accidental claim is made during your policy period
  • The total value of the claim payment made during your policy period is up to 25% of the value of your car, as mentioned in your policy
  • Your policy is renewed with us, within 90 days of its expiry, which is the normal grace period for availing NCB

As part of the Optional Personal Accident cover, we provide you a cover against accidents anywhere in the world regardless of who is driving the car. Under this cover, you are insured against Accidental Death and Permanent Total Disablement. The details are as follows: 

The Motor Secure Plus cover includes Nil Depreciation, Consumables & Engine Cover.

Nil Depreciation Cover

Nil Depreciation Cover is helpful to combat the depreciating value of your car. With this add-on, there is no deduction for depreciation even on the car's parts, other than tyres and tubes.

Things to consider when you opt for this add on :

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops.
  • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable, if you have opted for it. 

Consumables Cover

This add-on element covers expenses incurred by you on the consumable items in case of damage to the car insured and / or to its accessories, arising out of any peril as covered under your policy on approved partial loss claims.

Consumable items include nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil.

Things to consider when you opt for this add on :

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired at one of our authorised dealers or workshops.  

Engine Cover

With this add-on, we cover you for expenses incurred while fixing indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to :

  • Engine Parts
  • Differential Parts
  • Gear Box Parts
The coverage is available only for the claims intimated within 7 days of the loss or damage

This cover includes Nil Depreciation, Consumables, Engine Cover & Key Protect Cover.

Nil Depreciation Cover

Nil Depreciation Cover is helpful to combat the depreciating value of your car. With this add-on, there is no deduction for depreciation even on the car's parts, other than tyres and tubes.

Things to consider when you opt for this add on:

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops.
  • Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable, if you have opted for it. 

 

Consumables Cover

This add-on element covers expenses incurred by you on the consumable items in case of damage to the car insured and / or to its accessories, arising out of any peril as covered under your policy on approved partial loss claims.

Consumable items include nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil.

Things to consider when you opt for this add on:

  • This add-on covers private cars, with a maximum of two claims in one policy period.
  • In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired by/ at one of our authorised dealers or workshops.

Engine Cover

With this add-on, we cover you for expenses incurred while fixing indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to:

  • Engine Parts
  • Differential Parts
  • Gear Box Parts
    The coverage is available only for the claims intimated within 7 days of the loss or damage.

Key Protect Cover – Private Cars

With this, we cover the expenses you make while repairing or replacing your car keys and / or locks and / or lockset, including the locksmith's charges. You can make a claim during your policy period if the loss has occurred due to theft or burglary or loss of / damage to the keys, lock or the lockset. 

Things to consider when you opt for this add on:

  • The coverage will be available only for a maximum of two claims during your policy period.
  • A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police.
  • The replaced keys / lock / lockset is of the same nature and kind as the one for which the claim has been made.
  • The loss or damage to the keys / lock / lockset is reported to us within 7 days of the loss or damage.
  • Replacement of key(s) will be allowed for broken or damaged keys only.
  • In case of theft or misplacement of key(s), the entire set comprising of key, lock and lockset will be replaced, subject to the handing over the other key(s) to us.

Corporate & SME Insurance

Corporate Insurance

Insurance for SMEs

About Reliance General

General Insurance

Quick Links

Locate Us