Reliance General Car Insurance Policy Introduction
Reliance General Insurance company is a leading private sector General Insurance company in India started by Dhirubhai Ambani. Reliance General Insurance company offers different types of insurance products such as Motor insurance, Health insurance, Travel insurance etc. to its customers.
Reliance General Car Insurance policy is a private car insurance policy that is offered by Reliance Company. Reliance General Car Insurance policy offers a huge chunk of benefits and facilities by providing you an assistance to manage the loss caused due to damage of your vehicle.
Reliance General Car Insurance policy Review and Benefits
Different features available in Reliance General Car insurance are
- No documentation is involved.
- Instant policy issuing through online.
- Free roadside assistance is available at any time.
- Reimburses towing charges up to 1500/-.
- It offers 2100 authorised cashless network garages.
- Offers Voluntary excess on your claims which provides tremendous discounts to reduce your premium.
- Quick settlement of claims without any problems.
- Facility to retain the earned No Claim Bonus(NCB) even after a claim.
- 24*7 customer call center is available to clear your doubts about the policies.
- You will get an additional discount on premium if you are a member of Automobile Association.
Reliance General Car Insurance Policy Coverages
Reliance General car insurance Policy offers different coverages for the following causes
Own Damage Cover: It covers the damage caused to your vehicle for the following reasons
- Man made calamities: Under this Cover it covers the damage caused due to
- Fire.
- Explosion.
- Riots.
- Strikes.
- Theft.
- Burglary etc…
- Natural Calamities: Under this cover it covers the damage caused due to natural calamities like
- Floods.
- Earthquakes.
- Storms.
- Cyclon.
- Land slide/rock slide.
- Typhoon etc..
It covers damage caused to your vehicle due to transit by road, rail, air and elevator.
Third party liability coverage:
- It also offers third party liability coverage to provide liability to third party death or permanent injury or any damage caused to the third party property.
- Company will pay all costs and expenses incurred with written consent.
It also offers roadside assistance within 25 km radius of your car break-down location for the following problems
- Towing Assistance.
- Battery Jump start.
- Minor Repairs.
- Tyre punctures.
- Organising a taxi.
- Organising accommodation.
- Sending outgoing messages.
- Emergency fuel assistance.
Reliance General Car insurance Policy Exclusions
- The different damages that does not cover under Reliance General Car Insurance are
- wear and tear problems of the vehicle.
- Electrical or Mechanical breakdown.
- Cars being used other than its limitations.
- Damage caused to the vehicle outside the geographical area.
- Any Consequential loss.
- Damage caused due to driving the vehicle without having proper driving license.
- Damage caused while driving the vehicle under the influence of alcohol / drugs.
- Loss or damage caused due to depreciation of the car’s value.
- Loss or damage caused due to war, nuclear risks.
Rate of depreciation in Reliance General Car Insurance
For all rubber / nylon / plastic parts, tyre and tubes, batteries and air bags – 50%.
For fiberglass components – 30%.
For all parts made of glass – NIL.
Rate of depreciation for all other parts including wooden parts will be as per the following table:
| Age of Vehicle | Percentage of depreciation |
| Not exceeding 6 months |
NIL |
| Between 6 months and 1 year |
5% |
| Between 1 and 2 years |
10% |
| Between 2 years and 3 years |
15% |
| Between 3 and 4 years |
25% |
| Between 4 years and 5 years |
35% |
| Between 5 years and 10 years |
40% |
| more than 10 years |
50% |
Sum Insured Declared value(IDV):
The IDV of the vehicle is fixed based on manufacturers listed selling price of the brand and model of the vehicle. It is calculated as manufacturers selling price minus depreciation.
Depreciation for fixing the IDV of the vehicle in Reliance General Car Insurance
|
Age of the Vehicle |
% of depreciation for fixing IDV |
| Not exceeding 6 months |
5% |
| Between 6 months and 1 year |
10% |
| Between 1 year and 2 years |
15% |
| Between 2 years and 3 years |
30% |
| Between 3 years and 4 years |
40% |
| Between 4 years and 5 years |
50% |
Personal accident cover
The Reliance General Insurance Company pays the compensation for death or bodily injury of the driver/owner of the vehicle.
| Nature of Injury | Percentage of compensation |
| Death | 100% of sum assured |
| Loss of two limbs,two eyes or one limb and one eye | 100% of sum insured |
| loss of one limb or one eye | 50% of sum insured |
| Permanent total disablement | 100% of sum insured |
| Permanent partial disablement | Pays a certain percentage of sum insured as stated in the policy document |
Reliance General Car Insurance Add-on covers
Reliance General Car insurance offers you different Add-on covers like Special discount on
- Electronic and Electrical Accessories.
- Non-Electrical Accessories.
- Bi-Fuel Kits like LPG/CNG Systems.
- Legal Liability to Employee, Paid Driver, Cleaner and Conductor.
- Racing and Speed Tests.
- Dexterity Trials and Hill Climb Extensions.
Reliance General Car Insurance Policy Proposal Form
To buy Reliance General Car insurance you have to fill the Reliance General car insurance proposal form through online which is available to you in a company website www.reliancegeneral.co.in.
Download Reliance General Car Insurance Proposal Form.
Reliance General Car Insurance Policy Claim Form
You need to submit duly filled claim form with the accurate information to the policy issuing office along with original documents during Reliance General Car insurance claim process.
Download Reliance General Car insurance Claim Form.
Reliance General Car Insurance Policy Online Renewal
You can renew your Reliance General Car Insurance policy through online by just visiting company official website: www.reliancegeneral.co.in.
Reliance General Car Insurance policy Claim Status
You can check the claim status from time to time in Reliance general Car insurance by giving your mobile number to the call center executives while registering your claim.
Reliance General Car Insurance Policy Premium Calculator
By using Reliance General Car insurance premium calculator you can calculate minimum premium has to be paid to buy Reliance General Car Insurance policy by giving below information.
- Cubic Capacity of the vehicle.
- Make and Model of the Vehicle.
- Age of the vehicle.
- Geographical zone.
- No Claim Bonus and,
- Other discounts offered by the company.
Reliance Car Insurance Customer Care Details
You can contact reliance General insurance company by its Toll Free number: 1800 3009 to clarify your doubts regarding products offered by the Reliance General insurance company.
You can also know about products offered by the company through its official website: www.reliancegeneral.co.in.
You can also mail to: services.rgicl@rcap.co.in
Contact Address:
Reliance General Insurance Company,
570 Rectifier House,
Next To Royal Industrial Estate,
Naigaon Cross Road, Wadala West,
Mumbai – 400031.
Reliance General Car Insurance policy FAQ’s
1.Can No Claim Bonus be transferred in Reliance General Car insurance policy?
Ans: Yes, the no claim bonus can be transferred at the time of renewal and this happens within 90 days from your renewal date. No claim bonus from your previous insurers can be transferred at the exact rate prevailing at the time of renewal.
2.Can I renew and buy my motor policy online?
Ans: Yes, customers can buy and renew their existing policies online through net banking and credit card / debit card.
3.What is Compulsory Deductible?
Ans: If the expenditure incurred by the insurer include any amount for which the insured is responsible, such amount should be repaid by the insured to the insurer.