Check out: Car Insurance By Brand​ And Model​. However, this policy does not cover damages or loss caused to your own car in an accident or theft. In fact, it could very well be the case that the amount you spend on small repairs occasionally is lesser than the amount you stand to lose as No-Claim Bonus. • You can transfer your existing automobile insurance policy to the new owner of the car.​. Best viewed with IE 9+, Firefox 30+ and Chrome 29+ with a resolution of 1024x768, Director's and Officer's Liability Insurance, Renew Reliance Commercial Vehicle Insurance. There could be many reasons that your policy could have lapsed and you need to renew the policy before the expiration date to continue driving your vehicle safely. Reliance General Comprehensive Car Insurance Benefits. a lot of terms an​d conditions associated with a policy, there are some inclusions, some special cases but a premium rate is always told upfront to the individual and it is very clear and precise. What is cashless and non-cashless / reimbursement claim? The Motor Secure Premium Cover encapsulates all of the crucial risk factors to offer a comprehensive coverage in a single package. An experienced agent has good knowledge of the working of insurance and things to do after the insurance has expired and may guide you through the process smoothly. It is a crucial component of the car insurance policy as it determines the amount of compensation. The more secure way you opt for, the more is the premium thus it is important to find a good balance between the premium you can afford which is also secure. Here are few benefits offered by the policy:- Instant Renewal without paperwork; Comprehensive Vehicle Insurance Cover A Range of Add-on covers for enhanced protection It is a fixed and minimum amount that you declare to pay when you make a claim. The policy is different in a way that it does not cover any damage which could have done to your vehicle. If you want to avail of this facility, all you need to do is pay a small amount of additional premium. So, you should buy add-on covers for your car as they are not just additional cost, but an asset, offering vast range of advantages. 50/- irrespective of any period of insurance, not exceeding 12 months. The feeling I got at the end of the chat was that the team was happy to serve their customers. It is a prepaid card that will work like a regular gift voucher that can be used to buy a health insurance policy from Reliance General Insurance as a gift for someone during the upcoming festive season. The statistics reflect the kind of dangers that the roads entail. Your Inspection ID will be generated and post satisfactory inspection and recommendation by surveyor your policy will be issued. Its nice to pay insurance via online. Comprehensive car insurance, on the other hand, is purchased when you want to be compensated for any damages to you, your co-passengers and your vehicle in addition to third-party coverage. Then a survey will happen and you will have to submit required documents for the claim. This is simply a general insurance company's way to reward the customer's good driving behavior. The What changes can I make in my car insurance policy? Introduction. My motor insurance policy expired; how can I renew in case of break-in of my policy? WhatsApp with us : There are two types of car insurance: 'Third-Party Insurance' and 'Comprehensive Car Insurance'. This cover is easily included with an additional premium of Rs. One could easily customise their coverage by taking some add-ons at any point in time. Smart & innovative solutions for insurance and much more. ​As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately. We can’t deny the fact that accidents happen! The documents include the copy of the previous policy and registration certificate of the vehicle which is needed to renew the motor insurance. Easy process & not much hassle for claims. Add-on covers literally add extra protection and cover benefits to your car insurance policy. Reliance General Insurance It is a part of Reliance Capital Limited of the Reliance Anil Dhirubhai Ambani Group. The law mandates that for every vehicle purchase it is compulsory to have third-party insurance. 20% on the OD premium of the vehicle, subject to a maximum of Rs 750/-, 25% on the OD premium of the vehicle, subject to a maximum of Rs 1500/-, 30% on the OD premium of the vehicle, subject to a maximum of Rs 2000/-, 35% on the OD premium of the vehicle,  subject to a maximum of Rs 2500/-, 30% on the OD premium of the vehicle, subject to a maximum of Rs. For this, you will have to submit repair bills and receipts with the company. This cover is very beneficial in case your car gets completely damaged in an accident or if it is stolen. Just call this helpline number and professionals … Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts. What is meaning of the phrase ‘legal liability of the paid driver’? Once the inspection request is logged online, how long does it take to get the car policy? Damage to/by person driving without a valid driving license, Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance, Loss or damage due to depreciation of the car's value, Loss or damage due to war or nuclear risks, Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered under our motor car insurance, Compulsory deductibles - a fixed amount that gets deducted at the time of the claim, Depreciation Cover shall not be applicable to theft & total loss claims. Towing to Garages beyond a radius of 25 km from breakdown location will be chargeable. So, this means that the insurance will also cover the third person who may have underwent an accident or have incurred some loss due to the accident. Reliance General Insurance specialises in insurance. For superior risk coverage, we have compiled a mix of add-on covers in a single package. The NCB will be transferred to Reliance General Insurance at the same rate you are entitled to get from your previous car insurance company provider while renewing your car policy. The NCB percentage of the vehicle should be 25% and above. Later, you can get this amount reimbursed by submitting the original bills and payment receipts to our office. Reliance General Insurance understands the need of motor business where it can make money. WhatsApp with us : any indirect losses caused due to the car’s damage / loss, Compulsory deductibles i.e. Click here to download the form. Very user friendly website for motor policy renewal. Opt for this and you will n​ot have to bear the losses occurred due to depreciation on all parts except the tyres and tubes. It is mandatory by law to have third-party insurance. If you seek overall protection from the damages caused due to unforeseen accidents, opting for a It covers the person against theft, financial loss and accidents. the insured. A vehicle will be considered to be a CTL, where the aggregate cost of retrieval and/or repair of the vehicle subject to terms and conditions of the policy exceeds 75% of the IDV.​. IRDA Reg. Thus, there is no better means than to buy or renew car insurance online with which you can also enjoy a lot of other benefits.​. 5 lakh when you buy the motor policy, the insurer will approve a claim of a maximum amount of Rs. Choose an insurance policy suitable for you. This is simply because motor insurance rates are fixed based on the registration zone of the car. We don't mean to scare you by these grim statistics. Your car ​​insurance premium might change depending on the city you’re moving to. However, is important that the damages are covered in the insurance policy.​. In a non-premium bearing endorsement, you won't be charged anything for the changes incorporated in the policy. Will the printout of the softcopy serve as the original document? If due to any reason your car insurance has expired here are the steps to follow: In case the policy is expired the first thing to do is to get in the touch of your agent through which you got the insurance or to fill the renewal form online. Smart & innovative solutions for insurance and much more. This can be done online or at any Reliance General Insurance branch closest to you. A Motor Insurance Policy generally has a fixed validity after which they need renewal to get the insurance going. ​Details mentioned here are for the product- Reliance Private Car Package Policy.UIN: IRDAN103RP0010V02100001.​​. The police on the scene will fill the basic details in the FIR of actually what happened and according to that a decision on the insurance will be made thus it is important to immediately file an FIR. Refer to our add-on cover section, for more details. Here are few benefits offered by the policy:-, Cover for third party property/vehicle, Cover for injury caused in accident, **Based on internal assessment for the time period : April 2019 to March 2020​. it is in the insurer's authorized network garage for more than 30 days for repairs.​ This add-on cover is applicable to the following conditions-. ​Cashless Claim: A cashless claim is one, where physical cash does not exchange hands during the settlement of the claim. What are the different modes of payment accepted online? This makes things really simple. ​What is Personal Accident Insurance cover? Click here to You have to take the car to any of the network garages for the repair. The Company has launched innovative products like India’s first Over-The-Counter health & home insurance policies. This personal accident cover provides compensation in case of death or permanent disabilities due to an accident involving the insured vehicle. ​Upload photos of your car and get your policy instantly. The Third Party Liability Car Insurance policy is generally chosen by individuals who want to buy car insurance as it is mandatory by law. Know how much salary do Reliance General Insurance employees earn. In case of my job and place change, what happens to my motor policy? Since the car insurance premium is directly linked to the sum insured, the car model has an impact on the insurance cost. ​What risks are not covered under Reliance Motor Insurance Policy? Finally, there are add-ons with insurance that provides a lot of different features and added benefits. How do I get a copy of my car insurance policy online? Reliance's comprehensive car insurance plans are among the cheapest for new sedans and luxury cars, but their most affordable plans are for SUVs. Brochure has been sent to Your Email Address. The cubic capacity of your car will affect the premium rate you pay to get your vehicle insured. If you feel that any specific company is providing better coverage of the policy at an affordable premium which is better than your current plan, then you are more than welcome to switch the insurance company at the time of renewal. A The advantages of buying and renewing car insurance online include: With the help of the internet, one could easily get his/her car insurance renewed online which would save a lot of time and struggle in going to the office and filling out various forms and details to renew the insurance. NCB retention cover is a great way to assure that your safe driving and hard-earned bonus stay protected even if you make a claim. If you choose to include the option of ‘legal liability for paid driver’, then we, the insurance company, will pay this compensation amount. This eventuality is a result of asset depreciation. We are used to just hearing a number when it comes to paying the premium and we know very little about the process of calculating that premium. Yes, you can. Once a request is logged in, the inspection process takes place within 24 hours. What happens to the 4 wheeler insurance policy, if I sell my car? Protection for these can be achieved by paying an extra premium on the invoice value of your car insurance quote​. Reliance General Insurance keep it up. 12,503, 50% below the market average of Rs. If I have LPG or CNG kit fitted in the car, but it’s not endorsed in the RC book, will it be covered in the policy? Additional details may also be required depending on the insurer. What are the types of Car Insurance in India? It has a revenue of $3.9M. At Reliance General Insurance, we have quick and effective solutions for all your car insurance needs and more! Click here to know more about This additional cost only comes into effect if the risk to the car policy owner is judged as ‘higher than normal’. At the time of renewal, the features, as well as the insurance company, could be changed to a completely new one. The coverage will be available only for a maximum of two claims during your motor insurance policy period. Claim Form has been sent to Your Email Address. Also, the payment can be made online and a new renewed insurance paper will be generated, a copy of which would serve for the original purpose. What do you mean by Constructive Total Loss? • There is an addition of LPG / CNG kit, electrical / non-electrical accessories, anti-theft device, addition or change of hypothecation in your car. The risks that we don’t cover in this car insurance policy are as follows​: ​Third-Party Cover is mandatory in India. It helps to customise your policy based on your requirements. Your staff has given good support and guided me till I received my policy document. Customer can opt-out of this cover if he already has other PA cover covering (Death & Permanent Disability) up to the extent of minimum 15 lacs or is covered with other CPA policy under motor insurance in other vehicles owned by him. Cars being used outside of the limitations placed on the usage, Damage to / by person driving without a valid driving license, Loss or damage due to depreciation of the car’s value, Consequential loss i.e. Reliance General Insurance believes that the decision will help us improve the combined ratio and bottom line in the long run. You can opt for add-on covers such as Nil Depreciation Cover, NCB retention cover (avail the NCB despite registering a claim), Personal Accident cover (covers registered owner driver of the vehicle​), electrical/electronic accessories cover and many more. Then you can do one of the following two things. In offline insurance people generally listen to the agents and sign the paper which can cause a dispute at a later stage. Reliance General Insurance | 47 441 abonnés sur LinkedIn | Reliance General Insurance is one of India’s leading private general insurance companies with over 94 customized insurance products catering to the corporate, SME and individual customers. The Engine add-on cover offers compensation for expenses incurred while fixing the indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to-, Let's be honest, we have all misplaced or lost our home/vehicle keys at some point in our lives. 2500/-, A Range of Add-on covers for enhanced protection, This add-on covers private cars, with a maximum of two claims in one vehicle insurance 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​​, Renewal of policy with RGI <= 90 days of the expiry of the policy, Claim amount should not be >25% of IDV as mentioned in the policy schedule.​. So if you’re moving from a Zone B city to a Zone A city, your motor car insurance premium will increase and vice versa. ​You should immediately report to the police before registering any claim. Reliance General Insurance has announced the launch of an 'Insurance Gift Card'. Smart & innovative solutions for insurance and much more. Depending on the accessories, you may also This add-on cover is applicable to the following conditions-, An engine is the heart and soul of your car. That means in case of an accident, theft, fire, explosion or natural disasters, your car will be insured under a comprehensive car insurance policy. Distributed by Public, unedited and unaltered, on 24 December 2020 07:30:01 UTC Click here, reasons for car insurance claim rejection. Amazing experience. For example, if you use a private car for remuneration purpose. ​No, we will issue the insurance policy only if the LPG / CNG kit is incorporated on the Registration Certificate (RC) by the concerned RTO. While getting the insurance, all kinds of details are available online which could be read by the person to make sure that there is no chance of a dispute at a later stage. Our agents will confirm the liability after the inspecting the damage. We offer car insurance in various Indian cities. Hence, we have come up with a comprehensive policy that not only offers optimum protection to your vehicle, but also helps you financially in case of any unfortunate occurrence. At Reliance General Insurance, we have quick and effective solutions for all your car insurance needs and more! Here are some valuable recommendations to help you with your decision-. Installing anti-theft devices can fetch you up to 2.5% discount on your car insurance premium. No. A print out of this document definitely serves as the original policy document. If you wish to change your insurance provider at the time of renewing your car policy, you can enjoy your NCB discount by getting it transferred as well.​. Find average Reliance General Insurance salaries shared by 2,304 employees. Smart & innovative solutions for insurance and much more. A Comprehensive package policy as the word signifies complete, offers extensive protection due to accidental damages to both parties involved . 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.​​​​, Triggere​d if >3days vehicle under repairs due to perils/OD, Allowance Limit Rs.5000/- per day (For Pvt car limit can be increased further), Lumpsum theft benefit, if vehicle is not recovered <=90 days​, Vehicle is in repair,​​ vehicle loan EMIs will gets paid, Payment directly made to financial institution, Comprehensive Car Insurance Policy or Package Policy, You are a member of any recognized automobile association, You have installed an anti-theft device in your car, You have covered the vehicle for specific location usage. 2000/-, 35% on the OD premium of the vehicle, subject to a maximum of Rs. This discount can be accumulated on a yearly basis starting from 20% at first claim free renewal, 25% in the second, 35% in the third, 45% in the fourth and 50%in the fifth and continued for subsequent claim free years. It is calculated by adjusting the current manufacturer's listed selling price of the car with depreciation percentage as listed in the table below: ​Electrical accessories are any electronically powered accessories that are part of your car. 1,382 talking about this. Is it part of my policy? In a premium-bearing endorsement, you will be charged an additional premium for things like transfer of ownership, addition of LPG / CNG kit, change of RTO location, etc. Helped me renew my car insurance online. The poor road conditions and a blatant disregard for traffic regulations make Indian roads one of the most dangerous in the world. ​What is the Total Cover add-on? This is because it is mandatory for any car to be insured, at least against third-party liability. According to the data we collected from Reliance, an annual premium for a … ​Discount is applicable on OD premium. details of the accessories. Driving without insurance is like driving at higher risk and in case of an accident you would have to pay the third party for the damages. voluntary deductible is the amount you agree to pay out of your pocket. Third-party insurance covers accidental damage to the third party property or ​Death or bodily injury to a third party by the insured vehicle. I had a post policy purchase query and I used the chat feature which was convenient and hassle free. Am I eligible for a car insurance discount if I install anti-theft alarm and locking system? Yes, we do offer car insurance discounts to members of certain associations. We cover up to 3 EMI’s of your insured vehicle if There can be two types of endorsements: premium bearing and non-premium bearing. a fixed amount that the insurer will have to bear. Own Damage claim. Also, Do's & Don'ts to Avoid Coronavirus Affect You​​. An annual premium for a new Maruti Vitara Brezza starts at Rs. Click here to know more about However, taking up a car insurance policy that doesn't compensate your own damages seems pointless, doesn't it? Call toll-free number +91 22 4890 3009 to register a claim. This discount will keep increasing progressively for each claim-free year until the car insurance premium is reduced up to 50%. The average Reliance General Insurance salary ranges from approximately ₹ 1,38,937 per year for Customer Service Representative to ₹ 4,50,197 per year for Sales Manager. However, you will have to make a written request to us, and share the If you don't make any claim on your car insurance policy for a few years, the NCB can reduce your premium cost to half the price. ​Yes!When you mention the anti-theft and locking system installed on your car, the car insurance quote decreases relatively. You can also make a video or take some photos of the car as proof that actually what happened. 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