Reliance General Insurance Company Limited is one of the leading car insurers in India. The company offers both two wheeler insurance and private motor insurance to the consumers.
About Reliance General Insurance Company Limited
Reliance General Insurance Company Limited is a division of Reliance Capital, which is a part of the Reliance Anil Dhirubhai Ambani Group. Reliance Capital is one of the most popular financial services providers in India in the private sector. In terms of net worth, it is also one of the best private sector banking and financial service providers in India. Reliance General Insurance Company Limited is one of the best private general insurance companies in India. The company offers more than 94 tailored insurance products to meet the insurance needs of the SMEs, Corporates, and individual clients. Reliance General has introduced a number of forward-looking insurance products such as the first over-the-counter health and home insurance policies in India. Reliance General Insurance Company Limited has an extensive network of more than 200 offices throughout 173 cities in 22 states of India. The company features a wide distribution channel network, 24 hours customer service assistance, and a developed website. In addition, Reliance General is the first insurance company in India’s to be recognized with the ISO 9001:2000 certification throughout all operations, practices, insurance policies and pan-India presence.
Objectives of Reliance General Insurance Company Limited
The key objectives of Reliance General Insurance Company Limited are as follows:
- Maintain customer focus for all insurance activities
- Make cheap insurance available to all
- Assume industry best global practices in underwriting, claims, and policy services
- Safeguard the interests of policyholders
- Institute a pan India presence
- Be the most pioneering in designing of insurance products
Highlights of car insurance by Reliance General Insurance Company Limited
- Prompt settlement of claims
- Cashless facility for a stress-free claims system
- Simple paperwork
Features of car insurance by Reliance General Insurance Company Limited
1. Reliance Two Wheeler Insurance Policy
Two wheelers are suitable and energetic. With the number of sophisticated aspects included, present day two wheelers are secure as well. Nonetheless, the probability of damage to your most prized possession is present by means of natural calamities, theft, and mishaps. Reliance Two Wheeler Insurance Policy is there to make sure that you have complete peace of mind. The policy offers you all-inclusive cover for your two wheeler.
Key Advantages
Given below are the salient benefits offered by Reliance Two Wheeler Insurance Policy:
Comprehensive Cover
- Reliance Two Wheeler Insurance Policy offers you comprehensive insurance cover on the road and away from it.
- The policy protects your two wheeler from burglaries, accidents, natural calamities, and so on.
- The policy will also offer third party liability cover and personal accident insurance cover to you.
Other benefits
- Anytime you require any help, the company is only a telephone call away. You can contact them at 1800 3002 8282 (toll free) or 3989 8282 (local charges are applicable).
- Towing services are available from the company to reduce ineffectiveness. Reliance General Insurance Company Limited also offers a discount of Rs.300 for towing charges if necessary
- The company features a broad network of 1,700 garages in more than 231 cities of India to offer you cashless claims and maintenance facilities
- Immediate issuance of policy
- The company respects your time and whenever you contact them for a claim, they will reply to you instantly. The company has launched a 24 hours helpline for emergency facilities.
- The company also ensures that an inspection of the car is organized within a period of eight working hours.
Discounts
If you buy a two wheeler insurance policy, you can qualify for the following discounts:
- If you have not claimed anything in the past year, you can qualify for a “No Claim Bonus” incentive at the time of renewal of your policy.
- You can also shift your “No Claim Bonus” to your new two wheeler.
Special discounts are available for physically handicapped vehicle owners and vintage cars. If you are a prized customer then you can also get additional discounts, which include the following:
- Discounts if you are a member of an accredited automobile association
- Voluntary excess
- Discounts when you equip your two wheeler with anti-theft gadgets
- Discounts when you join side-cars to your two wheeler
Policy Coverage
The two wheeler insurance policy coverage is broad and covers various features, from the vehicle to the owner and any third party liability associated with the two wheeler which is insured.
Damage or loss to the two wheeler:
The Reliance Two Wheeler Insurance Policy offers protection from damage or loss to your two wheeler because of the following:
- Fire
- Accident
- Self-ignition
- Lightning
- Burglary
- Explosion
- Theft
- House break-in
- Strike
- Riot
- Terrorism
- Malevolent activities
- Earthquake
- Flood
- Cyclone
- Inundation
- Loss or damage in transit by road, rail, elevator, air, and lift
Personal Accident Cover
This type of insurance policy will also protect you from an accident when you are driving the two wheeler.
Third Party Liability
As stated by the Motor Vehicle Act, third part liability cover is a mandatory cover to be borne by all cars. This cover offers protection from the liability of injury or death to any third party, property damage of third party, and liability to paid driver.
Add on covers
You will also enjoy the following add on covers:
- Non electrical equipments/spare parts
- Electrical/electronic equipments/spare parts
- Legal liability to paid drivers and employees
- Rally extension
- Racing, speed tests, hill climb extensions, dexterity tests
Key highlights of the two wheeler insurance policy offered by Reliance General Insurance Company Limited include cashless facility for a stress-free claims procedure, fast claims settlement, and simple paperwork.
2. Reliance Private Car Insurance Policy
Features of Reliance Private Car Insurance Policy
Your vehicle is not just a mode of conveyance for you. You can use it for a family trip or go for a long drive when you feel exhausted by your work. It could be your main help in urgent situations. Reliance Private Car insurance Policy offers you all-inclusive cover for your prized property. The key advantages of this policy are mentioned below:
Comprehensive Cover
- The policy protects your private car from burglaries, accidents, natural calamities and so on.
- Reliance Private Car Insurance Policy offers you all-inclusive insurance cover on the road and away from it.
- The policy will also offer third party liability cover and personal accident insurance cover to you.
- You can contact them at 022-3989 8282 (call charges are applicable)
- At any moment you require any assistance, they are only a telephone call away.
- The company also offers a discount of Rs.1500 on towing charges if necessary
- You will get cashless claim settlement services throughout 1,700 network garages in India
- Prompt service
- Prompt issuance of insurance policy
- There is a 24 hours helpline for urgent situations.
- The company respects your time and anytime you contact them for a claim, they will reply to you instantly.
- The company also guarantees that an appraisal of the car is organized within a period of eight working hours.
Discounts
You can be eligible for the following discounts:
- If you have not claimed anything in the past year, you can qualify for a “No Claim Bonus” incentive at the time of renewal of your policy.
- You can also shift your current “No Claim Bonus” to your new vehicle.
If you are a valued customer then you can also be entitled for additional discounts, which include the following:
- Discounts if you are a member of an accredited automobile association
- Voluntary excess
- Discounts when you equip your vehicle with anti-theft gadgets
- Discounts when you join side-cars to your vehicle
- Discount for area-specific usage cover
Special discounts are available for physically handicapped vehicle owners and vintage cars. You can buy both the two wheeler insurance and private car insurance policies online.
Policy Coverage
The private car insurance policy coverage is broad and covers various features, from the vehicle to the owner and any third party liability associated with the vehicle which is insured.
Damage or loss to your car:
The Reliance Private Car Insurance Policy offers protection from damage or loss to your car as a result of the following:
- Accident
- Fire
- Lightning
- Self-ignition
- Explosion
- Burglary
- Housebreaking
- Theft
- Riot
- Strike
- Malevolent activities
- Terrorism
- Flood
- Earthquake
- Inundation
- Cyclone
- Loss or damage in transit by road, rail, elevator, air, and lift
Personal Accident Cover
This type of insurance policy will also protect you from an accident when you are driving the private car.
Third Party Liability
As stated by the Motor Vehicle Act, third part liability cover is a mandatory cover to be borne by all cars. This cover offers protection from the liability of injury or death to any third party, property damage of third party, and liability to paid driver.
Add on covers
Majority of drivers modify their vehicles in order that they fit their tastes and use. Reliance General Insurance Company Limited offers you the option to tailor the insurance policy with extra cover for the following:
- Non electrical equipments/spare parts
- Electrical/electronic equipments/spare parts
- Legal liability to paid drivers and employees, conductor & cleaner
- Rally extension
- Racing, speed tests, hill climb extensions, dexterity tests
- Bi-fuel equipments made of LPG/CNG systems
Exclusions
Reliance General believes in transparency. To make sure that you don’t experience any problems while placing a claim, you should also have a fair idea of what are not included in your coverage and they are as follows:
- Electrical and technical fault
- Usual depreciation of the car
- Damage to/by an individual driving with no legitimate driving license
- Cars being utilized differently than in line with the restrictions with regard to use
- Damage or loss as a result of normal wear and tear
- Damage or loss under the influence of liquor or any other inebriating substance
- Significant loss or damage
- Damage or loss caused by warfare or nuclear hazards
- Mandatory deductibles
How to process a claim
Claims can be broadly categorized into three types: Own damage claims, theft claims, and third party claim. You have to furnish the following details at the time of making a claim:
- Policy number
- Your contact numbers
- Date and time of accident
- Name of insured individual
- Brand and model of the car
- Vehicle number
- Name of garage with contact details
- Site of loss
- Degree of loss
- Short explanation of how the accident occurred
- Place and contact details of the insured individual if the individual making the claim is uninsured.
The entire procedure of claim is simple and hassle free.
Contact:
Reliance General Insurance Company Limited
Registered Office: Reliance Center
19 Walchand Hirachand Marg
Ballard Estate, Mumbai - 400 001
Customer care helpline
1800 3002 8282 (toll free)
3989 8282 (local charges are applicable)