Why Choose Reliance General Insurance?

Car insurance or four-wheeler insurance is an insurance policy that offers financial coverage to you for losses or damages to your vehicle owing to accidents, natural calamities, self-ignition, explosion, burglary and malicious activities. It also provides protection against third-party liabilities (property damage or death) that may arise because of your vehicle.

As per the Insurance Regulatory and Development Authority of India (IRDAI), it is mandatory to have a valid car insurance to drive your vehicle in India. Note that a car insurance premium is calculated based on your car type, model and IDV (insured declared value).

If you want to buy car insurance, Reliance General Insurance offers multiple types of car insurance policies that you can choose from based on your needs. We also have tie-ups with leading OEMs such as Hyundai, Mahindra, Toyota, Maruti Suzuki and Tata Motors to ensure that you are fully covered. Here are our car insurance plans:

Third-Party Car Insurance: Offers coverage for any damage caused by your car to a third-party vehicle or property. This policy also covers third-party bodily injury or death. Here, the third-party refers to an individual (not you) who has incurred losses or damages because of your car. As per the Motor Vehicles Act, 1988, it is mandatory to have a third-party car insurance policy for your vehicle. The IRDAI sets the premium price for third-party car insurance. It considers your vehicle engine’s cubic capacity to determine the premium.

Long-Term Car Insurance: Enables you to insure your car for up to three years. This policy covers both your own and third-party losses or damages caused by accidents; theft; fire; natural calamities like flood, typhoon, hurricane, storm, cyclone, hailstorm or frost; man-made activities like riot and strike, malicious act and terrorism; and self ignition or lightning. Reliance Long-Term Car Insurance comes with a No Claim Bonus for not raising any claims during a policy year.

Own Damage Car Insurance: Provides coverage for the expenses you incur to repair or replace parts (of your own car) damaged in an accident. This policy also covers damages to your car caused by natural disasters, including floods, earthquake and hurricane, and man-made calamities, including vandalism, riots and terrorist attacks. Reliance General Insurance also offers various add-on covers to enhance your Own Damage Car Insurance policy.

Commercial Vehicle Insurance: Provides financial protection to your commercial vehicle against losses or damages caused by riots, strikes, earthquakes, malicious activities, terrorist attacks, landslides, accidents (via external means), burglary, cyclone, hailstorm, self-ignition and lightning. Vehicles covered by this insurance are goods carrying commercial vehicles, mobile cranes, drilling rigs, mobile plants, excavators and miscellaneous vehicles with trailers. The Commercial Vehicle Insurance policy from Reliance General Insurance also includes third-party insurance.

Bus Insurance: Offers coverage to school buses and private buses (for company employees) against losses or damages caused by accidents, theft, fire or any malicious activities and natural calamities. Note that it is mandatory for every vehicle owner to have a valid third-party insurance.

Commercial Car (Taxi) Insurance: Provides coverage for third-party property damage or bodily injury caused by your commercial vehicles, such as taxis. Note that it is mandatory to have a valid taxi insurance policy as per the Motor Vehicles Act, 1988. Reliance Taxi Insurance policy comes with a No Claim Bonus, which rewards you with discounts on premium for not filing any claim during your policy period.

Two-wheeler insurance provides financial coverage for any losses or damages to your bike or scooter that may arise due to accidents, theft, natural calamities and malicious activities. It also protects you from third-party liabilities such as damages to another person’s property and injury or death caused because of your two-wheeler.

As per the Motor Vehicles Act, 1988 it is mandatory to have a valid two-wheeler insurance policy to drive your bike or scooter on Indian public roads. The premium is calculated based on your two-wheeler’s type, model and IDV (insured declared value).

If you want to buy two-wheeler insurance, Reliance General Insurance offers three key two-wheeler insurance plans. We also have partnership with key two-wheeler manufacturers such as Honda, Bajaj, Hero, TVS, Yamaha, Royal Enfield, Suzuki, Mahindra and Kawasaki to ensure you are covered no matter which model you have. Our two-wheeler insurance policies are:

Third-Party Two-Wheeler Insurance: Offers coverage for any damage caused by your two-wheeler to a third-party vehicle or property. This policy also covers third-party bodily injury or death. Here, the third-party refers to someone who has suffered accidental damages or losses because of your two-wheeler. It is mandatory to have a Third-Party Liability Cover as per the Motor Vehicles Act, 1988. Hence, the IRDAI regulates the premium amount by taking into consideration the cubic capacity of a two-wheeler’s engine.

Long-Term Two-Wheeler Insurance: Helps you to insure your two-wheeler against accidents, fire explosion, self-ignition, natural calamities, riots, strikes, malicious activities and terrorist attacks for a longer duration (two, three and five years). This policy covers both your own and third-party damages. Reliance Long-Term Two-Wheeler Insurance policy comes with a No Claim Bonus, which rewards you with premium discounts for not filing any claim during your policy period.

Own Damage Two-Wheeler Insurance: Provides financial support to repair or replace parts (of your own two-wheeler) that were damaged due to fire explosion, self-ignition, burglary and theft. This policy also covers damages to your two-wheeler caused by natural disasters, including flood, typhoon, hurricane and earthquake, and man-made calamities, including riots, strikes, terrorist acts and malicious activities.

Health insurance is a type of insurance that helps you pay for unexpected medical expenses and treatments. In exchange for a monthly or yearly premium, an insurer agrees to provide medical coverage for hospitalisation, daycare services, surgical treatments, consultation charges and other medical costs.

Every individual has a unique set of health insurance needs. That is why there are multiple types of health insurance plans available in the market. The main ones are Individual Health Insurance, Family Health Insurance, Senior Citizen Health Insurance, Personal Accident Insurance and Critical Illness Health Insurance.

If you want to health insurance, Reliance General Insurance provides a range of health insurance policies. We also have partnerships with 9,100+ network hospitals to ensure that you don’t only get easy-access to medical services but enjoy cashless treatments. Our health insurance policies include:

Health Gain Insurance: Enables you to customise your health insurance policy. You can choose from the Plus, Power and Prime plans as per your needs. This no-compromise insurance plan offers coverage to you and/or your family for modern treatments, hospitalisation expenses, ambulance expenses, accidental death and more. You can get coverage up to ₹1 crore, discount of up to 40% on the premium and no room rent limits.

Health Infinity Insurance: Offers coverage for inpatient care, pre- and post-hospitalisation, special treatments, AYUSH treatments, medical expenses and more. This limitless insurance policy offers limitless benefits, including coverage up to ₹5 crore, discount of up to 35% on the premium, OPD cover, maternity cover, emergency ambulance and restoration of your sum insured for unrelated illness or injury.

Super Top-Up Insurance: Serves as a backup insurance plan that can help you pay for your surplus medical expenses incurred during emergencies. This health insurance policy offers coverage for inpatient, day care or outpatient treatments, domiciliary hospitalisation, ambulance expenses, maternity expenses and more. It offers sum insured between ₹5 lakh and ₹1.30 crore and discount of up to 35% on the premium.

Arogya Sanjeevani Policy: Provides coverage for inpatient care, special treatments, day care procedures, pre- and post-hospitalisation, emergency road ambulance, AYUSH treatments and more. It has a sum insured ranging ranging between ₹50,000 to ₹10 lakhs. You can also customise this policy as per your requirements.

HealthWise Health Insurance: Offers coverage for health check-ups, medical expenses, hospitalisation and more.

Hospi Care Insurance: Offers coverage for certain surgical procedures and hospitalisation expenses.

Saral Suraksha Bima: Provides financial protection to you and/or your family against accidental disability or death. You also get a lump sum benefit of up to 100% of the sum-insured value.

Personal Accident Insurance: Provides coverage for injuries or death caused by an accident. This policy covers your medical expenses and offers financial support when you suffer from accidental total/partial disability or death.

Critical Illness Insurance: Offers financial protection to you against certain life-threatening and lifestyle-disabling diseases. With this policy, you get a lump sum amount to cover for your medical expenses.

Corona Rakshak Insurance: Provides coverage to you against COVID-19 related expenses. With this policy, you get a lump sum payment when you are diagnosed with COVID-19 and hospitalised for a minimum of 72 hours.

Corona Kavach Insurance: Offers financial protection to you and your family against medical expenses incurred due to COVID-19 infection. It covers hospitalisation expenses, home treatment expenses, AYUSH treatment and more.

Group Mediclaim Insurance Policy: Provides comprehensive coverage to your workers against unexpected medical expenses.

Wellness: Offers holistic healthcare services and wellness programmes for both individuals and corporates.

Travel Insurance is a type of insurance that provides financial coverage for your domestic or international trips against unforeseen risks, including medical expenses, loss of passport, trip delay, trip cancellation and interruption, loss and delay of checked-in luggage and home burglary.

Travel insurance is valid from the start day of your trip to the last day of your trip or until the time you reach your home country. Note that travel insurance requirements keep changing for every country. There are certain countries where is it mandatory for tourists to have a valid travel insurance. Make sure to check a country’s travel insurance requirements before booking your trip.

If you are planning a trip, Reliance General Insurance can help to protect yourself and your belongings during your travel. We offer a range of unique travel insurance policies that gives you the peace of mind you need during your trip. These are:

International Travel Insurance: Offers coverage for your international trip against multiple possible risks. You can use this policy to cover unexpected medical expenses, home burglary, loss of luggage and other travel-related problems. Reliance General Insurance also offers automated policy extension (up to 30 days) in case of a medical emergency or evacuation.

Schengen Travel Insurance: Provides coverage to travellers visiting Schengen countries like Switzerland, Spain, Italy, France, Germany, Portugal, Denmark and more. Use this policy to cover unforeseen medical expenses, loss of passport, delay or loss of checked-in baggage, accidental death, personal accidents and liabilities. Note that it is compulsory to have a medical coverage of at least Euro 30,000 to get a Schengen Visa.

Asia Travel Insurance: Provides financial protection to travellers visiting Asian countries like Thailand, Dubai, Singapore, Malaysia, Mauritius, China and more. You can use this policy to cover sudden medical expenses, loss of passport, delay or loss of checked-in baggage, accidental death, personal accidents and liabilities, financial emergency assistance, hijack distress allowance and trip delay.

Annual Multi-Trip Travel Insurance: Offers continuous and flexible coverage for multiple international trips within a year. You can use this policy to cover unanticipated medical expenses, daily allowance in case of hospitalisation, delay or loss of checked-in luggage, trip interruptions and cancellations, loss of passport and missed connections during your trip. If you’re a frequent traveller, buying an Annual Multi-Trip Travel Insurance would be more economical for you.

Senior Citizen Travel Insurance: Offers financial support to senior citizens who are travelling domestically or internationally against unexpected medical expenses, loss or delay of checked-in luggage, loss of passport, personal accident, compassionate visits, accidental death and personal liabilities. You can avail add-ons such as hospitalisation daily allowance, financial emergency assistance and home burglary insurance by opting for Silver, Gold or Platinum Senior Citizen Travel Insurance plan.

Student Travel Insurance: Provides financial protection to students who are travelling abroad for educational purposes. You can opt this policy to cover expenses caused by unexpected accidents or illnesses, loss of checked-in baggage, personal liabilities, compassionate visits and study interruptions.

Corporate and SME insurance is a type of insurance that provides protection to your business, irrespective of its size or industry. It helps to safeguard your business against various risks and uncertainties that can impact your operations, products, finances and reputation. These risks include property damage, employee illness or injury, business interruption, third-party liabilities and product loss or damage.

Corporate and SME insurance policies are customised to meet the unique requirements of different businesses. For example, marine cargo insurance provides coverage against the risks associated with the transportation of goods, including loss or damage due to accidents, natural disasters, piracy and theft.

Reliance General Insurance provides a wide range of policies to cater to the specific needs of different businesses. These include:

Professional Indemnity Insurance: Provides financial protection to doctors, chartered accountants, management consultants, lawyers, architects and consultant engineers against any legal expenses and damages caused by allegations of professional negligence and error. This policy covers all the costs, expenses and fees incurred for the investigation, defence and settlement of any allegation.

Employee’s Compensation Insurance Policy: Provides financial support to your employees if they get injured or die as a result of or during their employment. This coverage is mandatory under the Employee Compensation Act 1923, Common Law and Fatal Accidents Act 1855. Any commercial company can buy this policy.

Director’s and Officer’s Liability Insurance: Offers protection to your company’s directors and key officers against the financial consequences of any legal claims and lawsuits that may arise due to their decisions or actions. This policy can be purchased by public liability, non-profit and private organisations.

Marine Cargo Insurance Policy: Offers coverage to your cargo (goods being transported by land, sea or air) against any possible mishap. It provides protection against risks such as fire or explosion, ship collision and sinking, theft, malicious damages and natural calamities. This policy helps you to protect your cargo from the time it leaves the warehouse or place of origin until it reaches its final destination.

Shopkeepers Package Policy: Offers coverage to small- and medium-sized shopkeepers against theft or damage to their shop structure and its contents. This policy also covers breakdown of all mechanical and electrical appliances, legal liability toward employees and third parties, money in transit or in safe, and more. You can customise the cover as per your requirement.

Pardhan Mantri Fasal Bima Yojana: Provides financial coverage to farmers against unexpected crop loss or damage caused by adverse weather conditions, pests and crop diseases. All farmers, including tenant farmers, are eligible for this policy. Note that only the crops notified by the State Government are covered.

Contractor’s Plant and Machinery Insurance: Offers protection to the plants and machinery used at your project site against physical loss or damages caused by accidents, fire, burglary and riots. You can also customise this policy by opting for add-on covers for clearance and removal of debris, express freight, air freight, third party liability and terrorism.

Standard Fire and Special Perils Policy: Offers protection to your properties, including house, office, shop and factory, against losses or damages caused by fire and related perils such as lightening, storm or cyclone, explosions, riots, strikes and malicious damages. You can also enhance the cover for your insured property by opting for add-ons such as Spoilage Material Damage Cover, Impact Damage Cover, Leakage and Contamination Cover and more.

Reliance Contractor All Risk: Provides coverage to your civil construction projects against loss or damage to construction material, plant, machinery and temporary structure such as sheds and offices. It also comes with a third party liability coverage. Note that this policy covers civil project like building construction, road, dam, bridges on land or rivers or creeks, flyover and tank construction.

Reliance Erection All Risk: Offers coverage to machinery, plant, equipment, civil work and other material work at your project site against physical loss or damage caused by fire, lightning, burglary, explosion, and natural disasters such earthquake and floods. This policy also comes with a third party liability coverage.