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Reliance Comprehensive Car Insurance

The Reliance Comprehensive Car Insurance offers extensive coverage tailored to safeguard your motor vehicle against multiple risks on the road. With a focus on providing comprehensive protection, it shields you from financial burdens arising out of accidents, natural disasters, thefts and third-party liabilities. Let’s read on to understand Reliance Comprehensive Car Insurance in detail.

Major Benefits of Comprehensive Car Insurance Of Reliance

Here is all that is covered by the insurance policy:

  • In the case of major accidents, extensive car damages can lead to financial liabilities. Comprehensive insurance or an own-damage cover can help you better deal with the issue.
  • Unforeseen car accidents can result in third-party damages, including the person. If you have this comprehensive plan, you can get coverage against it.
  • If there are natural disasters such as lightning, fire and man-made disasters such as riots, or terrorist attacks and if your car gets damaged due to this, then this policy will reimburse for the loss and damages.
  • This plan offers protection to you and your car from the damages caused by natural disasters, including floods, earthquakes, or heavy rainfalls.
  • This insurance policy helps you avail a reimbursement for your Insured Declared Value (IDV) in case of car theft. If your four-wheeler is damaged beyond repair, you can also avail of this benefit.
  • If you are using your car in different geographic locations such as roadways, waterways, or airways, this insurance company will cover all of them.
  • If in an accident, the owner-driver is hurt then a comprehensive car plan from this insurer will provide you the Personal Accident Cover that will cover the expenses. The compensation level is up to Rs. 15 lakhs.

Add-on covers available with Reliance Comprehensive Car Insurance

This policy has come up with seven add-on covers that can be purchased by paying a little extra premium to strengthen your car policy. The important mentions are as follows.

  • In case of a total loss or theft, a standard comprehensive car insurance policy pays the insured a sum equal to the IDV or Insured Declared Value. IDV refers to the maximum amount that your insurer will cover. The current market value of the car determines it. The current value of the car and the purchasing value of the car are different.
  • If you repair your car in the network garage of the company and it takes more than 3 days, you can get a daily allowance for travelling from one place to another. It will continue till your car is returned.
  • With the Engine Protection Cover, you will stay guarded against the cost of repairing your engine or gearbox because of water ingression or leakage of the lubricating oil spilling into the engine. These events are not covered under a standard stand-alone or even comprehensive car insurance policy and can cause a major financial expense.
  • If the car is repaired in one of the network garages of the company and it requires more than 21 days, then this add-on benefit of the company will pay for the EMI. If you want to avail of the same benefit for the second time, the car must be kept for more than 42 days in the network garage. This benefit applies to 3 EMIs.
  • Over the years, due to wear and tear, a car receives a depreciation value. Over time due to usage of the car, the depreciation value increases and in the same way the car’s value decreases. As a result the insurance coverage value also decreases. This add-on benefit helps to get the full cover where the depreciation value is not deducted. Therefore, one can get the full replacement value of the car instead of the depreciated value for the parts of the car.

General exclusions of Comprehensive Car Insurance offered by Reliance

Here are the mentions:

  • Damages after driving without a proper driving licence
  • A vehicle used outside India
  • Damages due to drunk driving
  • Ordinary wear and tear due to regular depreciation
  • Regular maintenance
  • Damages caused due to driver negligence
  • Commercial usage of a private vehicle
  • Damages due to crash testing and speed racing
  • Damages caused by war/nuclear peril in the country

How to buy Comprehensive Car Insurance from Reliance General?

Here is the step-by-step guide.

  • On the official website of Reliance General Insurance. There is a form on the extreme left side, there will be a form. Select the Car option.
  • Put the registration number of your car, mobile number, and email ID in the right place, and click on the View Prices option.
  • Select the car policy, and fill in the other required details. Select add-on if you wish to purchase.
  • Based on the given details, the car insurance premium will be displayed on the screen.
  • Recheck the details carefully. If satisfied, pay the premium amount online securely.
  • Download the policy document for better convenience.

Claim Procedure Offered by Reliance for Their Comprehensive Car Insurance

This company offers both cashless and reimbursement claim procedures. For a cashless claim, one has to repair his/her car in one of the network hospitals of the insurer. To avail of the reimbursement process, you can choose any garage. With Reliance Car Insurance, you can claim in three quick steps:

  • As soon as the accident happens, intimate the insurer.
  • You can register your claim through a video inspection using the Selfi App. You can call (022) 4890 3009.
  • You have to submit details and documents such as the registration number, policy number, car, model type, etc.
  • Once submission is done, you have to wait for the claim to be evaluated and approved. To evaluate the claim, a surveyor will be there.
  • Monitor the progress in the Selfi App.
  • If the insurer is satisfied, your claim will be approved.
  • Once the claim is approved, you will be covered for the loss or the damage that happened.

Renewal Process of Reliance Comprehensive Car Insurance

One can renew your car insurance policy either through the Selfi App, by visiting the Reliance General Insurance website, or by calling the company at +91 22 4890 3009.

Here are the quick and easy steps to renew your car insurance online:

  • Visit the official webpage of Reliance General Insurance Company.
  • Find the renew option on the homepage. Click on that.
  • Under the motor insurance tab, click on the Renew Car Insurance Option.
  • Enter the registered mobile number to get the OTP, and put the OTP in the right place.
  • After that, enter the details of your car such as the policy number of your existing policy, and check insurance policy renewal quotes.
  • Fill in and submit details such as name, email, car’s registration number, insurance policy number, policy expiry, previous claim details, etc. if necessary.
  • For claim-free in the previous year, enter your No Claim Bonus.
  • After filling in the required details, check everything carefully.
  • If everything is okay, pay the renewal amount online safely.

Frequently Asked Questions

Total Return to Invoice is an add-on cover. This is available in case of a Total loss, Constructive Total Loss, or Theft claims. It covers the policyholder for the amount spent on octroi, registration fee, or any other fee levied by the government like road tax. It also includes the premium amount that has been paid to the policy until the event of total loss or theft.

Here’s a list of documents you should keep ready while making a claim.

Accident Damages:

  • Completed claim form
  • Proof of Automobile Insurance – Policy / Cover Note copy
  • Copy of Registration Book, Tax Receipt (Original required for verification)
  • Copy of Motor Driving License (with original)
  • Police Panchanama / FIR (In case of third-party property damage/death/body injury).
  • Estimate for repairer
  • Repair bills and payment receipts after it is completed
  • Any other document as required by the insurer

Theft Cases:

  • Original Certificate/Vehicle Policy Document
  • Original Registration Book, with Theft endorsement from concerned RTO, and tax payment receipt
  • Previous Insurance Details
  • Policy number
  • Insuring office/company
  • Period of insurance
  • All the sets of keys/service booklets/Warranty card
  • Police Panchanama / FIR and final investigation report/JMFC report
  • Acknowledged copy of a letter addressed to RTO intimating theft
  • Any other document as required by the insurer

Under this insurer, there are 8500+ cashless garages spread all over the country.