Smart & innovative solutions for insurance and much more. It is the maximum amount your insurer will approve if your vehicle is stolen or is damaged beyond repair. Reliance General Insurance has 3939 employees. The Motor Secure Premium Cover includes-. Brochure has been sent to Your Email Address. 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. At the time of renewal, the features, as well as the insurance company, could be changed to a completely new one. Do's & Don'ts to Avoid Coronavirus Affect You​​. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. A page that helps you LiveSmart every day. Got my car insurance policy in minutes. 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 At Reliance General Insurance, we want to make sure our car insurance holders can secure the best possible protection for themselves. If you suffer damages caused due to any of following reasons, we've got you covered! Good service and very enthusiastic customer support executive. Also, note that the Renewal and Rollover Policies (New / Used Excluded) currently are available for cars with an IDV of up to 10 Lacs only.For example, assume that you have earned 20% NCB on your previous year’s car policy and the IDV of your car is Rs. We believe that a car insurance policy should be quick, easy and most of all - reliable. For superior risk coverage, we have compiled a mix of add-on covers in a single package. ​. I had a post policy purchase query and I used the chat feature which was convenient and hassle free. This cover is easily included with an additional premium of Rs. I used the chat services to renew my car policies. What is cashless and non-cashless / reimbursement claim? How do I get a copy of my car insurance policy online? 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. In case of my job and place change, what happens to my motor policy? 500. This eventuality is a result of asset depreciation. Let’s figure out the difference first and then we will proceed with the claim process. This is simply because motor insurance rates are fixed based on the registration zone of the car. CPA ( Compulsory Personal Accident –Owner Driver ) for 1 Yr. The process is easy with some basic understanding of the document and can be done online at home. In such case, the total sum of the expenses paid for the vehicle insurance, registration charges and road tax is reimbursed proportionately. Reliance General Insurance believes that the decision will help us improve the combined ratio and bottom line in the long run. It covers the person against theft, financial loss and accidents. need to pay an extra premium on your automobile insurance​. In this case, you need to make the complete payment to the garage at the time of the repairs. However, this is possible only if the garage is part of our listed network of garages. A page that helps you LiveSmart every day. Great..Happy to be associated with Reliance General Insurance. Note this is applicable only for Private Car & Two Wheeler policy and not for Third Party Liability, **Based on internal assessment for the time period : April 2019 to March 2020. Where can I view the list of cashless garages in my city? 19,838 talking about this. The Third Party Liability Car Insurance policy is generally chosen by individuals who want to buy car insurance as it is mandatory by law. Reliance General Insurance Company Limited is a part of Reliance Capital Ltd. Reliance General Insurance is one of the front-runners when it comes to top general insurance firms based out of India. For this, you will have to submit repair bills and receipts with the company. 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. Add-on covers literally add extra protection and cover benefits to your car insurance policy. All the vehicles are insured for a value called Insured Declared value which is based on the price of the vehicle subtracted by the depreciation faced due to vehicles age. One could easily customise their coverage by taking some add-ons at any point in time. Click here to know more about This will allow you to compare various insurance and make an informed decision about the product. No claim bonus (NCB) is a discount, given by an insurer to a policyholder for making no claims during the policy term. Though this is not a mandatory policy ,however it is advised to have a comprehensive coverage for once vehicle to safe guard self from financial burden arising in case of an accidental damage to your car or to third party​. Many car insurance holders are of the opinion that buying add-ons are unnecessary. What are the different modes of payment accepted online? Towing to Garages beyond a radius of 25 km from breakdown location will be chargeable. Here are the steps that you need to follow-, If your car insurance policy has expired, you can renew the policy by making payment online. A print out of this document definitely serves as the original policy document. 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. You can protect electrical accessories, which are not factory fitted, by paying an extra premium of 4% on the value of the item. Firstly, the Motor Vehicles Act 1988 makes it mandatory for all car owners to have a valid insurance policy. Also, it is important to file an FIR in the nearest police station which would be a document that the insurer will require. Below mentioned are the features of the NCB Retention Cover, Subject otherwise to the terms, exceptions, conditions, and limitations of the Policy.​, Sometimes, a bunch of seemingly insignificant expenses can create a big dent in your pocket. Apart from renewing, you can also buy car insurance online. 25,081. Additionally, you can pick A What documents are required to file a claim? Call toll-free number +91 22 4890 3009 to register a claim. You can make changes to your car policy only in the following cases: • Either the name, registration number, engine number, chassis number or model number of your four wheeler vehicle has to be corrected. The value of your car depreciates overtime. Reliance General Insurance keep it up. Smart & innovative solutions for insurance and much more. Also, payment through secure payment gateways online means that the person will have protection against any kind of fraud or risks. In order to have a complete coverage, you should have a Comprehensive Car Insurance Cover. ​Car insurance, also known as auto or motor insurance, is an insurance policy which protects the car from any kind of unforeseen damage. 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. 10,082 talking about this. Yes, it does. This cover is very beneficial in case your car gets completely damaged in an accident or if it is stolen. In case of theft or total destruction of the car, the IDV is offered as "Sum Insured". It is a fixed and minimum amount that you declare to pay when you make a claim. 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. What is meaning of the phrase ‘legal liability of the paid driver’? The next step is to inform the Reliance team so they can take the necessary action. Protection for these can be achieved by paying an extra premium on the invoice value of your car insurance quote​. 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. It is mandatory by law to have third-party insurance. Within 48 hours following that recommendation, you will have to log-in to the website and convert your auto insurance policy. Its nice to pay insurance via online. With ​nil​ depreciation cover also known as Claim Form has been sent to Your Email Address. Registered Office: Maker Chambers IV, 3rd Floor, 222, Nariman Point, Mumbai - 400 021. This add-on cover is applicable to the following conditions-​, We are concerned about financial impact of an accident. In this condition, we have to leave our vehicles in the garages and travel by our own. 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​. Smart & innovative solutions for insurance and much more. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. This add-on cover compensates for the depreciating value of your car. Click here to download the form. ​No Claim Bonus (NCB)​ is the discount in your car insurance premium enjoyed by you for not having made a claim in the previous year(s). Your car insurance premium is calculated based on several factors such as-. Third Party Car Insurance​ and Replacement of key(s) will be allowed for broken or damaged keys only. The cubic capacity of your car will affect the premium rate you pay to get your vehicle insured. Currently the video chat timings are 9:30am to 6:30pm from Monday to Saturday. Reliance General Insurance Company Limited is one of the leading Insurance … ​If the damage to the car is minimal, it is always a good idea not to make a claim on your car insurance plan. Reliance General Insurance It is a part of Reliance Capital Limited of the Reliance Anil Dhirubhai Ambani Group. That means in case of an accident, theft, fire, explosion or natural disasters, your car will be insured under a comprehensive car insurance policy. However, the policy can only be cancelled once we receive a copy of the new policy. Here are some valuable recommendations to help you with your decision-. Reliance general insurance gave me a great offer and provided assistance in my full journey. We offer ​comprehensive car insurance pl​ans for various car brands and models. ​You can claim the PA cover only if the car Insurance Policy is in your name and you are the registered owner of the car & have an owner-driver, paid-driver or unnamed passenger cover. Very user friendly website for motor policy renewal. Also, To know the premium for your car insurance policy, simply fill in your details and the vehicle registration number. The policy is different in a way that it does not cover any damage which could have done to your vehicle. 20,000 and the voluntary deductible is Rs. ​An endorsement is a written proof of an agreed change in the auto insurance policy, as and when the need arises. This add-on covers private cars, with a maximum of two claims in one motor policy period. This is because it is mandatory for any car to be insured, at least against third-party liability. There can be two types of endorsements: premium bearing and non-premium bearing. ​What risks are not covered under Reliance Motor Insurance Policy? For example, correction in contact details, correction in name, correction in engine / chassis number, addition of hypothecation, etc. Now a dent in your car will not​ cause a dent in your finances. 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. Smart & innovative solutions for insurance and much more. Click here to know more about Loading is an additional cost that is added to the car insurance premium when a policy is renewed. Introduction. Read more about working at Reliance General Insurance. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. A Comprehensive package policy as the word signifies complete, offers extensive protection due to accidental damages to both parties involved . 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. This cover is applicable only for select make and models. 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. Information is the key to make the right decisions. While we cannot find your keys for you, we can certainly cover the expenses you incur while repairing or replacing your car keys and/or locks and/or lockset. Hence it is important to know your IDV. Third-party insurance protects you against losses, which occur due to bodily injury or death to a third party or any damage to that person’s property. Reliance General Insurance offers comprehensive car insurance policies that come with the own damage cover and the long-term third-party liability cover. When you don't file a claim during your policy period, you will be eligible for a discount on your next premium​ which is referred to as a The policy remains more or less unaffected even if you move. add-on covers for car insurance as per the risks which are more relevant to you. At Reliance General Insurance, we have quick and effective solutions for all your car insurance needs and more! You can now renew your car insurance online in the comfort of your home. All metro cities (Ahmedabad, Bangalore, Chennai, Hyderabad, Kolkata, Mumbai, New Delhi and Pune) are part of Zone A, which has a higher rate of premium than the rest of the country (Zone B). The higher the Deductible amount, the lower is your auto insurance premium. Refer our car​​ insurance guide​ and go through the chapters to become an car insurance expert. Later on, based on the policy terms, the company makes a reimbursement claim. The Motor Secure Plus Cover includes-. Avail repairing costs of fiber glass, rubber, tyres, batteries, air bags, nylon, and plastic parts. own damage insurance. This makes things really simple. Then you can do one of the following two things. So here's what we don't cover: Want to know more about car insurance from the very basic? So choose wisely and secure your car with our assortment of add-on covers. Easy process & not much hassle for claims. Third-party insurance covers accidental damage to the third party property or ​Death or bodily injury to a third party by the insured vehicle. A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police. In reimbursement claims, you are required to pay for the repairs of the vehicle damage. 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. To safeguard such a scenario, an Here's how it is accumulated on a yearly basis-, You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. 1,382 talking about this. This is because a car insurance policy offers basic protection against damage and losses to your vehicle, so one might think that add-on covers are avoidable. For example, if the market value of your car is Rs. Your staff has given good support and guided me till I received my policy document. The coverage will be available only for a maximum of two claims during your motor insurance policy period. Once the inspection request is logged online, how long does it take to get the car policy? I got my car insurance in minutes and I am really happy with their services. 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. We offer a wide range of add-on covers to ensure superior protection from a v​ariety of risks. Reliance General Insurance understands the need of motor business where it can make money. Finally, there are add-ons with insurance that provides a lot of different features and added benefits. 15 822 en parlent. ​As soon as any damage or loss occurs to the vehicle, regardless of the hour, we recommend that you call our helpline numbers immediately. So, at the time of renewal, it is important to do proper research to find out the best insurance which you can get. It provides coverage to vehicle against ,damage to the vehicle , theft , natural disaster along with coverage against third party liability for body or property injury by insured vehicle. 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. 586 Reliance General Insurance Reviews by current and past employees about salary & benefits work culture skill development career growth job security work-life balance and more. This add-on cover is applicable to the following conditions-, An engine is the heart and soul of your car. All the same, if the insured was enjoying an NCB bonus of 45 %, and he/she makes a claim that year, the NCB will be impacted and will be reduced to 0% in the coming year. Sorry, something went wrong. My motor insurance policy expired; how can I renew in case of break-in of my policy? A car insurance policy gives confidence to a person to drive their car confidently on the road and is a boon at the time of emergencies. If you choose to include the option of ‘legal liability for paid driver’, then we, the insurance company, will pay this compensation amount. 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. Turn on more accessible mode. 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. Then a survey will happen and you will have to submit required documents for the claim. Refer to our add-on cover section, for more details. NCB Retention Cover comes handy. Hence, It's better to be safe than sorry! Reliance General Comprehensive Car Insurance Benefits. Click here to Choose an insurance policy suitable for you. The We offer car insurance in various Indian cities. This is the reason why it is advised to apply for renewal before the expiration of the previous insurance. The higher your Voluntary Deductible amount, the lower is your automobile insurance premium. 3,434 talking about this. Consumable items such as nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil are covered. a fixed amount that the insurer will have to bear. You can cancel your claim by calling any of the following helpline numbers: ​Click here link to find out the address of your nearest cashless garage list​. And services generally have a nominal cost agree to pay out of your car, the IDV is as... Claims intimated within 7 days of the car to be safe than sorry generally have a copy of the.... 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