Reliance Car Insurance Comprehensive Plan
Basic Benefits
This policy offers cover for your car from damages caused by external means such as accidents, malicious acts, and natural calamities namely earthquake, floods and fire explosions under the comprehensive coverage category.
It also offers personal accident cover for the driver/owner including a cover specifically for the car.
Optional Coverage
Following features are offered under the optional comprehensive coverage plan
Unnamed Person Accident Cover – This feature provides accidental cover to any individual apart from the paid driver and cleaner.
CNG Coverage – According to the policy norms it is very critical to declare the presence of CNG kit if and when the kit is installed in your car. This special feature will ensure that your CNG kit is covered by this policy.
Non-Electrical Accessories Cover – You can opt for this additional cover at the time of buying the policy based on your specific need. It provides cover for wheels, seat covers and etc.
Electrical Fittings Coverage – You can choose this options while buying the comprehensive policy depending on your specific need. It provides additional cover for your car accessories such as fog light, stereo, etc.
Named Person Accident Cover – This feature provides a special accident cover to an individual apart from the paid driver or the cleaner who is been declared in the policy at the time of buying it.
Accident Cover For Conductor, Cleaner & Paid Driver – This feature provides accidental cover to conductor, cleaner and paid driver.
Special Benefits
24/7 RSA Service [Free Add-On]
Road side assistance mainly includes benefits such as car towing facility to the nearest workshop; hotel accommodation up-to INR 16000 {post 12 hours of breakdown}; jump start assistance, spot assistance [24/7 spot assistance within 100 km from the center point of the city]; etc.
Policy Exclusions
Damage By Person Without Driving License
Compulsory Deductible Amount
Damage To Tires & Tubes
Ageing, Wear & Tear
Note: All the plans mentioned below offer comprehensive coverage with exclusions and benefits mentioned above.
Discounts Offered
Voluntary Deductible Discount – This concession is offered to individuals who choose the option voluntary deductible at the time pf purchasing the policy. With this option the volunteers who are insured have to pay a fixed percentage of claimable expenses.
No Claim Bonus – This is a discount feature which gets activated if not claim is made in a year. With this discount the individual gets discount on the premium after every claim free year up to a maximum of 50%.
Third Party Property Damage Discount – This discount is available to individuals who opt for lower value for third party property damage.
Antitheft Device – This special discount if available for car owners who have official ARAI approved anti-theft device installed.
Automobile Association – This discount is offered to a car owner who is also a member of Automobile Association. Up to 5% discount on premium is offered to members of Automobile Association.
Portfolio Of Products
Personal Accident Bundle Cover
This is an extension of personal accident cover. With this extension compensation is paid during events of death, permanent total disablement, loss of limbs or eyes (one or both).
Motor Secure Plus Cover
This add-on covers includes zero depreciation/ nil depreciation cover, consumable cover, engine cover. Zero depreciation/ bumper to bumper/ nil depreciation cover protects the vehicle from the depreciated or reduced value of car parts (this includes the paint, plastic parts, etc.). The depreciated value is anywhere between 5- 50% and is effective right after the car drives out of the showroom. Thus, with this add-on cover the out of pocket expenses of the insured are saved to a large extent at the time of claim. Consumable cover covers the cost of consumable items like lubricants clip, nut bolt, break oil, etc. in case of damage to the car or its accessories due to major accident. Engine cover offers coverage for the non-accidental of engine, differential parts and/ or gearbox damage. This damage can be a result of floods, leakage of lubricating oil, etc
No Claim Bonus Protection
This add-on cover offers coverage for the no-claim bonus which is the premium discount which insured earns after every claim free year. Normally, the no-claim discount is lost after a single claim however, with no-claim bonus protect the no-claim discount earned is protected after one claim in a year.
Motor Secure Premium Cover
This add-on benefit offers Nil Depreciation, Consumables Cover, Engine Cover and Key Protect Cover. Under key protect cover expenses for repairing or replacing car keys are covered. Both the damage to key or lock set are covered.
Claim settlement
Cashless Garage Network - The Company has a network of around 2100+ garages.
