Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Reliance Motor Insurance

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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

Reliance General Insurance is a leading insurance provider in India with a vast customer base including individuals, small and medium enterprises (SMEs), and corporates. The company provides a bouquet of insurance solutions for its extensive customer base. The insurance provider offers products in the domains of motor, health, travel, home, and marine insurance. The insurer has laid a lot of focus on customer centricity when configuring its products. This has resulted in innovative insurance distribution methods such as Over-the-Counter health and home insurance sales.

Why Should You Buy Motor Insurance From Reliance General?

The key features and benefits of Reliance General motor insurance plans are as described below:

Car Insurance:

  • The insurer offers free Roadside Assistance cover worth Rs.500 with the comprehensive car insurance policy.
  • Reliance General offers you the facility of renewing your expired policy online without having to produce extensive paperwork.
  • Cashless garage facility can be availed across 3,800 garages in the network of the insurer.
  • The insurance company settles all claims within the shortest turnaround time. All queries and issues are also addressed by the customer service team of the insurer in a timely manner.

Two-Wheeler Insurance:

  • The insurance company offers a wide range of add-on covers that can enhance the protection offered by the two-wheeler insurance policy. The policyholder can purchase these riders as required and customise the coverage under his/her two-wheeler insurance policy.
  • The claim settlement process for two-wheeler claims is quick and easy.
  • Comprehensive insurance policy is offered for all major brands of two-wheelers.
  • It is possible to buy an online two-wheeler insurance plan from the website of the insurance company. There is limited paperwork involved in the process and the policy is issued instantly.
  • The insurer allows you to renew your expired insurance policy without any paperwork or inspection.
  • You can avail the facility of cashless claim settlement at around 430 network garages affiliated to the insurer.
  • The insurance company offers very low premiums for the basic two-wheeler insurance policy. You can actually get your bike insured for a minimum amount of Rs.3 per day.
  • The website of the insurance company has a two-wheeler insurance premium calculator tool that enables you to get an instant quote for insuring your scooter or motorcycle.

Types Of Motor Insurance From Reliance General

Reliance General offers car (including private and commercial vehicles) and two-wheeler insurance policies to customers. The insurance plans offered by the company can be classified into two types based on the extent of coverage:

  • Third-party liability plan - This insurance plan offers the most basic level of protection for your motor vehicle. This is the minimum insurance cover mandated by the Motor Vehicles Act, 1988. This is also the cheapest form of motor insurance you can buy. It does not protect the insured car from eventualities. However, protection is offered to a third party for injuries, death, or property damage following an accident.
  • Comprehensive motor insurance plan - This insurance scheme offers more elaborate coverage when compared to the third-party liability plan. It offers own-damage cover for the insured vehicle, apart from third-party liability insurance. The owner-driver of the vehicle also receives personal accident cover under this scheme.

Reliance General Third-Party Liability Insurance - Inclusions

The coverage under the third-party liability insurance plan from Reliance General is as follows:

  • Protection is offered for legal liability to a third party for accidental injuries, death, or property damage.
  • The insured vehicle is not offered insurance coverage under the plan.
  • The owner-driver of the insured vehicle is offered protection under this plan for permanent total disability or death in an accident.

Reliance General Comprehensive Motor Insurance - Inclusions

The coverage offered by a comprehensive motor insurance plan from Reliance General includes the following:

  • Coverage for accidental damages to the insured vehicle
  • Personal accident cover for the owner-driver
  • Protection from total-loss incidents such as theft
  • Protection from natural calamities such as landslides, hurricanes, lightning, floods, etc.
  • Coverage for man-made disasters such as strikes, malicious activity, riots, terrorist activities, etc.
  • Coverage for damages to the insured vehicle while in transit through railways, road, air, or lift.
  • Third-party liability insurance cover that protects the policyholder from legal liabilities arising out of accidental injuries, death, or property damage suffered by a third party.
  • Roadside Assistance facility that is an inherent part of the comprehensive motor insurance cover offers towing assistance, minor repairs, battery jump start, emergency fuel, etc. on a 24/7 basis.
  • The coverage of a comprehensive motor insurance policy can be enhanced through riders/add-on covers that you can purchase from the insurer separately. The add-on covers offered by Reliance General are:
    • Coverage for non-electrical accessories
    • Coverage for electrical and electronic accessories
    • Protection for bi-fuel kits that consist of CNG/LPG systems
    • Coverage for liability to the employee, cleaner, paid driver, etc. for commercial vehicles
    • Coverage for speed tests and racing
    • Hill climb extensions and dexterity trials

Reliance General Motor Insurance - Exclusions

The exclusions under the motor insurance policy from Reliance General are as follows:

  • Wear and tear of the vehicle with age
  • Electrical and mechanical breakdown
  • The vehicle being used beyond the limits specified by the manufacturer
  • Driving the insured vehicle without a valid license
  • Driving under the influence of drugs or alcohol
  • Depreciation in the car’s value
  • Damages due to nuclear disasters or war
  • Consequential losses
  • Compulsory deductibles

Reliance Motor Insurance FAQs

  1. What is the benefit of buying my motor insurance policy online?
  2. The advantages of buying insurance online are many:

    • Ease of purchase - The process of online purchase is easy and convenient. You can also compare policies between insurers at neutral financial websites. This simplifies your purchase decision to a great extent.
    • Discounts - Most insurance companies offer attractive discounts on online policies.
    • Motor insurance premium calculator - It is possible to get an estimate of your premium by using the online motor insurance premium calculator facility.
    • Easy payments - When purchasing insurance online, you make make secure payments through various modes such as credit cards, debit cards, net banking, Paytm, UPI, etc.
  3. Can I renew my Reliance General motor insurance online?
  4. Yes, this is possible. You can login to the website of the insurance company and select the relevant menu option for the same. Your policy will be renewed in a matter of minutes. In case your policy is already in expired status, an inspection is needed before the new policy is issued. If you are getting insurance for your car, you can do the inspection yourself and upload the photos to proceed with policy renewal.

  5. Can I transfer my NCB?
  6. Yes, you can transfer your accrued NCB at the time of policy renewal. However, you should ensure that the transfer is done within 90 days of the renewal date. In case you plan to change insurance companies at this time, you can do so as well.

  7. What happens to my motor insurance when I change my residence?
  8. The policy will not be affected much. However, you will have to update your new contact details in the policy by logging in to the insurer’s website or visiting the nearest branch office.

  9. Reliance General offers ‘Total Cover’ for two-wheelers. What does this include?
  10. Total Cover is an add-on insurance cover that will be useful if your two-wheeler is completely damaged beyond repair in an accident. This is also relevant for cases of two-wheeler theft. The add-on cover reimburses the sum of the vehicle’s registration charges, the cost of motor insurance, and road tax.

Reliance Motor Insurance Reviews

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  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
  • Reliance General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    RELIANCE GENERAL INSURANCE is the insurer where i have taken my car insurance and the premium i paid which is nominal added on that the IDV value is also sufficient with this policy. The policy coverage is for bumper to bumper for this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 07, 2018
  • Reliance General Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with Reliance general insurance from last 1 year, a premium of Rs 24795 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
    Was this review helpful? 1
    , bangalore
    Reviewed on Nov 16, 2018
  • Reliance General Car Insurance
    "Excellent"
    0.5 4.0/5 "Great!"
    When I purchased a car, the showroom has offered me a car insurance with Reliance. I have paid 12,000 rupees for this policy. The customer support is excellent. The claim experience is excellent and have applied for accidental claim, It was approved within few more days, zero depreciation was provided, All items been replaced of the car.The policy coverage is good, bumper to bumper offer is available. Every year am renewing my insurance only with RELIANCE.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 03, 2018
  • Reliance General Car Insurance
    "good service"
    0.5 4.0/5 "Great!"
    I have been taken my car insurance with Reliance general insurance for long time , a premium they charge is 11 thousand rupees for this insurance policy.i am happy with the coverage value of this insurance policy.i good benefits from this insurance.
    Was this review helpful? 2
    , new delhi
    Reviewed on Oct 03, 2018
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken a car insurance with Reliance general insurance for 1 year, a premium of Rs 7600 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy. This policy has a basic coverage and i am satisfied with it.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Sep 12, 2018
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My car insurance is with Reliance general for 1 year and it is a good insurance policy to use. I pay a premium of Rs 25000 for this insurance policy and it has full coverage. I am satisfied with the terms and conditions explained by the customer service of this insurance.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Sep 12, 2018
  • Reliance General Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance is with Reliance from last 7 years and it is a good policy to use. A premium of Rs 4000 has to be paid for this insurance policy every year. I have no claim experience so far with this insurance policy and the cover bumper to bumper damages.
    Was this review helpful? 2
    , new delhi
    Reviewed on Aug 17, 2018
  • Reliance General Car Insurance
    "Good overall"
    0.5 4.0/5 "Great!"
    My car insurance policy is with Reliance General Insurance. The customer services and response is good and there are no issues in the process. They have offered me a good policy coverage. Since I have not had a claim yet, I am not sure on the benefits.
    Was this review helpful? 1
    , kolkata
    Reviewed on Aug 16, 2018
  • Reliance General Car Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I've a car isnurance policy with the Reliance General Insurance Company . I pay a premium of 10000 Per year . The IDV value is fair. I do not have any claim experience with the policy and they offers cashless garage facility as a part of this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 11, 2018
  • Reliance General Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    From RELIANCE GENERAL INSURANCE i have taken a car insurance and the premium was around 4000 annually. I have to renew the insurance policy every year. It comes with an accidental coverage and the passenger coverage and no claim for my car.
    Was this review helpful? 0
    , mumbai
    Reviewed on May 29, 2018
  • Reliance General Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am holding my car insurance from the RELAINCE and so far i am having no claim experience. I have been using the insurance from more than 3 years and above. Customer service is very good and they give a very good response. I got my insurance from paperless approval or not i have no idea.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 20, 2018
  • Reliance General Car Insurance
    "Reliance car insurance"
    0.5 4.5/5 "Excellent!"
    From RELIANCE GENERAL INSURANCE i have taken a car insurance 19000 were the premium of 27000 for a coverage of 1 year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. I have to renew the policy every year.
    Was this review helpful? 1
    , patna
    Reviewed on May 15, 2018
  • Reliance General Car Insurance
    "Car insurance from RELIANCE"
    0.5 4.0/5 "Great!"
    From RELIANCE GENERAL INSURANCE i have taken a car insurance. The premium is 10000 for an year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. No claim experience till now as its a new car.
    Was this review helpful? 0
    , vellore
    Reviewed on May 14, 2018
  • Reliance General Car Insurance
    " Car insurance from RELIANCE"
    0.5 3.0/5 "Satisfactory"
    I have taken the car insurance from RELIANCE GENERAL INSURANCE. The premium is 15000 for an year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. No claim experience till now as its a new car.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 13, 2018
  • Reliance General Car Insurance
    "Better Service"
    0.5 4.0/5 "Great!"
    I'm paying around Rs. 15000 every year for my car. It is a comprehensive service. There is no much difference between other companies and Reliance car Insurance. I never had any claim experience Reliance car insurance still its not a recommendable policy to have.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 03, 2018
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I was using Reliance car insurance from last 1 year, i am not satisfied with the coverage value of this insurance policy. I do not have claim experience so far with this insurance policy. A premium of Rs 20000 has to be paid for this insurance policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Apr 25, 2018
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have a car insurance with Reliance from last 2 years, i do not have any claim experience so far with this car insurance. I pay an insurance premium of Rs 30000 every year. I am happy with the coverage of this insurance and they cover bumper to bumper as well as third party.
    Was this review helpful? 2
    , pune
    Reviewed on Apr 14, 2018
  • Reliance General Car Insurance
    "Best insurance"
    0.5 5.0/5 "Blown Away!"
    I have my car insured with Reliance general from last 5-6 years and it is a good insurance policy to use. I have to pay a premium of Rs 4000 which has to be paid every year for this insurance. My claim experience with this insurance was very good. They covered 60% and i am satisfied with it.
    Was this review helpful? 0
    , mumbai
    Reviewed on Apr 06, 2018
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