Reliance Motor Insurance

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 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.

 4.5 / 5.0   by 174 users
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Reliance Motor Insurance Reviews

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  • Reliance General Car Insurance
    "good service"
    0.5 5.0/5 "Blown Away!"
    I have chosen Reliance insurance as my friend is a franchise. I have taken a third party car insurance from them. I pay the premium of Rs.3000 on yearly basis. Even though it is a third party insurance, I can get upto 15lakhs. I will not get notification for renewal. I pay the premiumthrough online or directly to them.
    Was this review helpful? 2
    , bangalore
    Reviewed on Dec 27, 2019
  • Reliance General
    Reliance General Car Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken a car insurance from RELIANCE GENERAL INSURANCE. It has some good benefits and the premium is low. I pay Rs.7,000 on yearly basis and also as no claim bonus options. It also includes garage benefits. I have no claim experience yet. I will get notification regarding the insurance from car showroom not from the insurance provided. I pay through online or cheque.
    Was this review helpful? 2
    , chennai
    Reviewed on Dec 22, 2019
  • Reliance General Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    Chosen my car insurance from Reliance. Because their office near by my work place, so that its easy to renew the policy. They have provided me IDV value of Rs. 4.50 lakhs and the provided premium amount was Rs. 9,500. This is a third party insurance. I have not applied for any claim till now. I have got the no claim bonus of 30%.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 20, 2019
  • Reliance General Car Insurance
    "Easy and Good policy"
    0.5 5.0/5 "Blown Away!"
    I am having a car insurance from Reliance. When i met the accident, i sent a photo to them and the executive came to the place and they took the photo and they have provided me a claim amount of Rs. 1.50 lakhs but the total damage is Rs. 2.5 lakhs. They have given me a claim in 45 days.
    Was this review helpful? 0
    , erode
    Reviewed on Sep 24, 2019
  • Reliance General Car Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My agent suggested me a RELIANCE for my car insurance because of the benefits and lesser premium. I have paid around 11 or 12K for a year. I have taken a first party insurance which includes bumper to bumper offer. I got the insurance paper. The claim experience was best.
    Was this review helpful? 0
    , new delhi
    Reviewed on Aug 26, 2019
  • Reliance General Car Insurance
    "Fine Policy"
    0.5 5.0/5 "Blown Away!"
    Previously we have to go the branch to renew the policy. Nowadays i can do it myself by online which is good for me. Once i renew the policy, they will send the soft copy of the documents within half and hour. Its because of the Indian company, i have chosen the Reliance company. I am paying the premium amount of Rs. 5000.
    Was this review helpful? 0
    , bangalore
    Reviewed on Aug 18, 2019
  • Reliance General Car Insurance
    "Continuation policy"
    0.5 4.0/5 "Great!"
    I have chosen my car insurance through reliance and the first insurance was through dealer and they have suggested reliance hence I'm continuing with them. I pay the premium amount of Rs. 4000 and yearly depreciation comes hence the coverage will get less. I have received the no claim bonus also. I never used their claim part.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Aug 17, 2019
  • Reliance General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    I had a claim with the car insurance from RELIANCE GENERAL INSURANCE, i got the claim settlement of within 1 week also i got the claim settlement of 40%. The premium paying was nominal also the IDV value is good with the policy. The policy coverage is for basic.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 29, 2019
  • Reliance General Car Insurance
    "Best in the market"
    0.5 5.0/5 "Blown Away!"
    I took Reliance policy for my car, the cost was very lower around Rs. 3000 its lesser than other company because they running some offers. I paid the premium Rs.13,000 for one year, for the zero depreciation but there is no claim experience. The customer service is very proactive and they send the paper on time.
    Was this review helpful? 1
    , new delhi
    Reviewed on Jun 30, 2019
  • Reliance General Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    I do not have any claim experience with Reliance. The premium is quite high compared to others. I have been paying the premium of Rs. 58000 per year and i do not have any claim experience. The IDV value is satisfactory one which is 12.25 lakhs. They have a roadside assistance, no claim bonus options.
    Was this review helpful? 0
    , faridabad
    Reviewed on Jun 29, 2019
  • Reliance General Car Insurance
    "Very Good Policy"
    0.5 4.5/5 "Excellent!"
    Actually its a company lease car, hence with their interest, they have provided me a policy with Reliance. This is a first party and third party covered policy. Since the company is paying the premium, I'm not sure about the premium amount and coverage amount. I do not have any claim experience
    Was this review helpful? 0
    , bangalore
    Reviewed on Jun 09, 2019
  • Reliance General Car Insurance
    "Good policy activation process"
    0.5 5.0/5 "Blown Away!"
    I have 4.5 years old car, for that Reliance Insurance have charged me around Rs. 12, 600 for one year. They gave me Rs.5.50 insured value. I got the comprehensive plan its covers for me and car, the agent took care of everything. I didn't involve I just submitted the papers.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 27, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    Once i claimed with the reliance car insurance and the experience was good. Actually my friend has recommended the car insurance policy from reliance since he is working as a agent and he made the payment and done all the procedure. I have paid the premium amount of Rs. 35000 and its a zero depreciation policy. They have processed the claim within 1.5 months.
    Was this review helpful? 0
    , hyderabad
    Reviewed on May 24, 2019
  • Reliance General Car Insurance
    "Average"
    0.5 3.0/5 "Satisfactory"
    I took my car insurance with RELIANCE for Maruti Suzuki Ciaz which is 2 years old, IDV is not good and the renewal process is simple which is automatic linked with my account. I get the insurance paper on time. Once I done a claim and it was good. They need to reduce the premium and I opted a third party insurance.
    Was this review helpful? 0
    , chennai
    Reviewed on May 06, 2019
  • Reliance General Car Insurance
    "Good "
    0.5 3.5/5 "Pretty good"
    I have insured my car with Reliance general insurance initially. The process was good to buy the policy. I got the documents on time. The premium is nominal. The policy coverage is also satisfactory and there were good benefits, which I have not used though.
    Was this review helpful? 0
    , new delhi
    Reviewed on Apr 16, 2019
  • Reliance General Car Insurance
    "Third party coverage is not offered"
    0.5 4.0/5 "Great!"
    I had two cars , for both my cars I insured in Reliance . mainly for the affordable premium rate . But they didn't offered me a third party coverage . Now days traffic person is mainly asking for the third party coverage.Since car is old card so I am looking for third party coverage.
    Was this review helpful? 0
    , kochi
    Reviewed on Apr 09, 2019
  • Reliance General Car Insurance
    "Reliance premium is always negotiable"
    0.5 4.0/5 "Great!"
    Reliance is the private sector , they have more branches at every location. They send some people for inspection before insuring my vehicle . Reliance premium is always negotiable and I got negotiable premium rate . But not the third party coverage and correct IDV value .
    Was this review helpful? 0
    , kochi
    Reviewed on Apr 09, 2019
  • Reliance General Car Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken Reliance Car insurance .It is a one year policy .The name of the car is Volkswagon Polo .The Premium is yearly basis and i have paid Rs.14,000.I have got IDV value as well .ythe agent clearly explained the process of car insurance .Not yet faced any difficulties till now .
    Was this review helpful? 0
    , mirzapur
    Reviewed on Mar 19, 2019
  • Reliance General Car Insurance
    "Good Car insurance package"
    0.5 4.0/5 "Great!"
    I insured my Renault KWID in Reliance general insurance . They provided a affordable premium , correct IDV value , Bumper to bumper cover and third party cover . while processing my insurance with reliance i got good response . Till now i didnt gone for any claim .
    Was this review helpful? 0
    , gurgaon
    Reviewed on Mar 09, 2019
  • Reliance General Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the car insurance policy with the RELIANCE GENERAL INSURANCE but i had no claim experience with this policy and i am holding it since from last 5-6 years with this policy. they have provided the basic policy coverage along with that the premium and IDV value is good.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Mar 08, 2019
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