Reliance Private Car Insurance Policy

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

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. 

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.