Reliance General Private Car Insurance

What Does it Cover?

?Section I: Own Damage

Reliance General Private Car Insurance provides coverage for various types of loss or damage to your vehicle and its accessories in case of –

• Fire, explosion, self-ignition, or lightning.
• Burglary, housebreaking, or theft.
• Riot and strike.
• Earthquake, including both fire and shock damage.
• Flood, hurricane, tempest, typhoon, storm, cyclone, inundation, hailstorm, frost.
• Accidental external means.
• Malicious acts.
• Terrorist activities.
• While the vehicle is in transit, whether on the road, rail, air, elevator, lift, or inland waterway.
• Landslide or rockslide.

This involves deducting a depreciation amount as per the rates listed below for replaced parts -

• For rubber, nylon, plastic parts, tires, tubes, batteries, and airbags, there is a 50% depreciation.
• For fibreglass components, there is a 30% depreciation.
• For glass parts, there is no depreciation.
• The depreciation for all other parts, including wooden ones, is applied based on the rates listed below –

• In the case of painting, a 50% depreciation rate is applicable only to the total cost of the painting materials. And, the material component of the cumulative painting bill shall be regarded as 25% of the total painting charges for depreciation purposes.

?Section II: Liability To Third Parties

Reliance General Private Car Insurance will financially safeguard you against –

• Any injury/death caused to another person.
• Any damage to property that does not belong to you or isn’t in your custody or under your care.

?Section III: Personal Accident Cover For Owner-driver.

A Personal Accident (PA) Cover in car insurance is designed to provide financial protection against physical disability or death resulting from an accident. It is provided as part of your vehicle insurance, much like general insurance, providing financial compensation.

In case of death or bodily injury, Reliance General Private Car Insurance will provide coverage based on the rates given below -

Terms and conditions may apply.
 

What Is Not Covered?

The insurer will not be liable/responsible for any payments related to –

• Consequential loss, depreciation, regular use causing wear and tear, mechanical or electrical failures or breakages.
   
• Damage to tubes and tyres, unless your vehicle is also damaged at the same time, for which the insurer is responsible for covering up to 50% of the replacement cost.
• Any accidental damage or loss incurred when you or someone else driving the vehicle with your consent was under the influence of alcohol or drugs.

Insured Declared Value (IDV)

The Insured Declared Value is the maximum amount you can receive from your insurer when making a claim under your car insurance policy in the event of a damage or loss.

This table shows the depreciation rates used to fix a vehicle's IDV –

General Exceptions

Under Reliance General Private Car Insurance, the insurance company will not be responsible for –

1. Any accidental loss or damage and/or liability arising from driving your car outside the geographical area specified in the policy.
2. Any claim resulting from a contractual liability.
3. Any accidental loss damage and/or liability caused when your vehicle is not driven as per ‘Limitations as to Use’.
4. Accidental loss, damage, or liability you incur when your vehicle is driven by anyone other than the driver, as specified in the driver's clause.
5. Any accidental loss or damage to any property or any loss or expense resulting from consequential loss.
6. Any accidental loss or damage resulting from ionising radiation or radioactivity from nuclear fuel/nuclear waste as a result of combustion.
7. Any accidental loss or damage caused directly or indirectly by nuclear weapons.
8. Any accidental loss or damage resulting from war, invasion, foreign enemy action, hostilities etc. or any direct or indirect consequence of any of the mentioned events. In the event of a claim, you need to prove that the accidental loss damage and/or liability isn't connected to the said occurrences or any consequences. If you don’t provide proof, the insurer cannot be held responsible for paying for it.

Add-ons Available With Reliance General Private Car Insurance

1. NCB Retention Cover
   Upon payment of an additional premium as specified in the policy schedule and regardless of anything stated in Section I of Reliance General Private Car Insurance, the insurer will keep the current applicable No Claim Bonus (NCB) intact at the time of renewal of this policy. The benefit of this cover only applies to one accident claim approved during the policy period.
   The add-on will not be applicable if –

• You don’t renew your policy within 90 days of its expiration.
• The claim stems out of a Total Loss (TL)/ Constructive Total Loss (CTL) 
  
  Note: Certain terms and conditions may apply.

2. NIL Depreciation Cover
   This add-on covers and reimburses you the depreciation amount deducted from the value of replaced parts in an own damage claim under Section I (own damage) of Reliance General Private Car Insurance. So, in case of approved partial loss claims, this add-on provides coverage without deducting the depreciation on parts other than tyres and tubes.
   You can opt for this cover by paying an extra premium.
   
   Note: Certain terms and conditions may apply.
    
3. Motor Secure Plus Add-On
   Upon payment of an additional premium and despite anything written in Section I of Reliance General Private Car Insurance, the insurer provides coverage without deducting depreciation on vehicle parts. In case of approved partial loss claims, the insurer will cover the expenses associated with consumable items in case of damage to your vehicle and/or to its accessories resulting from any risks as specified under the policy.
   
   Here, consumable items refer to things that either get consumed completely or become unfit for continuous and permanent use when used for their respective purposes. These include nuts and bolts, screws, washers, grease, lubricants, clips, ac gas, bearings, distilled water, engine oil, oil filter, fuel filter, brake oil, etc.
   
   The insurer will cover expenses associated with repairs or replacements due to water intrusion/leakage of lubricating oil causing loss or damage to the engine parts, differential parts, and gearbox parts.
   
   Note: Certain terms and conditions may apply.
    
4. Total Cover Add-On
   Upon payment of an additional premium and despite anything written in Section I of Reliance General Private Car Insurance, the insurer will provide compensation for the amount you have spent on the car’s registration fee, Octroi, and/or any other charges imposed by the government authority along with the car insurance premium in case of a total loss or theft. Please note that the compensation will be provided as per the terms and conditions specified in the policy schedule.
   
   Note: Certain terms and conditions may apply.
    
5. Motor Secure Premium Add-On
   Upon payment of an additional premium and despite anything written in Section I of Reliance General Private Car Insurance, this add-on will provide coverage without deducting depreciation for vehicle parts.
   It provides financial protection against -

• Repairing or replacing the keys, locks, and lockset, of your vehicle if they’re lost, stolen, or damaged during the policy period up to the limit stated in the policy. This includes the locksmith's charges.
   
• Consumable items, if your vehicle and/or its accessories are damaged as a result of any risk covered under the policy which is approved as a partial loss claim.
  Here, consumable items refer to things with specific uses that either get consumed completely or become unfit for continuous and permanent use when used for their respective purposes. These include nuts and bolts, screws, washers, grease, lubricants, clips, ac gas, bearings, distilled water, engine oil, oil filter, fuel filter and brake oil.
   
• Repairs or replacements resulting from damage due to water intrusion or leakage of lubricating oil, causing loss or damage to the engine parts, differential parts, and gearbox parts.
  
  Note: Certain terms and conditions may apply.

6. Daily Allowance Benefit
   Upon payment of an additional premium, you'll get an allowance when you cannot use your vehicle due to perils covered under Section I of Reliance General Private Car Insurance.
   
   The allowance benefit is applicable only if -

• The vehicle is kept at the insurer's authorised network garages for more than 3 days for repairs.
• You make an admissible claim for loss or damage of your vehicle and the duration from when you deliver the vehicle to the insurer’s authorised network garage and inform the insurer that the day it is discharged is longer than the specified number of days. The coverage won't apply if the loss or damage isn't admissible under the policy.
• The claim is filed for loss or damage to your vehicle other than total loss or constructive total loss. In this case, you'll receive a certain amount per day as per the plan chosen by you, subject to a maximum of the number of days stated in the policy schedule.

Please note that if your vehicle is not recovered within 90 days, the allowance will be payable as a lump sum as stated in the plan chosen by you.

The add-on will not provide coverage  -

• Once the vehicle is removed from the garage after repair.
• There is a delay in delivering your vehicle to the garage.
  
  Note: Certain terms and conditions may apply.

7.  Emergency Hotel Accommodation
   Under this add-on, the insurer will pay a certain amount for your hotel accommodation in case your vehicle gets stolen or suffers damage due to an accident covered under Section I of Reliance General Private Car Insurance. You can choose this add-on by paying a certain extra premium.
   
   The benefit of this cover comes with certain conditions -

• It will provide coverage only if you are travelling at least 200 kilometres away from the address as provided in the proposal form and your car gets damaged in an accident or stolen and cannot be driven on the road.
• The amount you’ll get is subject to a maximum amount specified in the policy schedule.
  
  Note: The coverage is subject to the terms, exceptions, conditions and limitations of the policy.

8. Voluntary Deductible
   A deductible is a certain amount of money you need to pay from your end before the insurer steps in to pay at the time of claim. Voluntary deductible, as the name suggests, is an amount you choose to pay voluntarily whenever you make a claim.
   If you choose a voluntary deductible, your premium will be deducted based on the deductible amount you choose. Remember, if the insurer incurs any expenses that are your responsibility, you have to repay them right away.
   
   Note: The coverage is subject otherwise to the terms, conditions, limitations, and exceptions of this policy.
    
9. Additional Limit of TPPD
   Upon payment of an additional premium and despite anything written in Section I of Reliance General Private Car Insurance, the insurer will pay an additional amount for the damage caused to the property that doesn't belong to you or is held in your care or control - as mentioned in the policy schedule.
   
   Note: The coverage is subject otherwise to the terms, exceptions, conditions and limitations of the policy. 
    
10. Return to Invoice Cover
    This add-on will cover the financial gap between the amount you receive under Section I of Reliance General Private Car Insurance and the actual purchase price of your vehicle as specified in the sales invoice if the same make and model of your vehicle is not available. However, the insurer will pay the current replacement price of a new vehicle in case the same make/model is available. You can opt for this add-on at a certain extra cost.
    This coverage is applicable in case your vehicle suffers a Total Loss or Constructive Total Loss (CTL) as a result of an accident or is stolen during the policy period and remains unrecovered.
    The insurer also covers the first-time registration charges, road tax, and the applicable insurance cost you incurred for your vehicle. Here the ‘Insurance Cost’ is the sum of two elements -

• The own damage premium, as specified in Section I of the policy schedule. It's calculated by multiplying the current year's own damage rate by the vehicle's Insured Declared Value (IDV) at the time of policy purchase.
• The current year's third-party premium.
  
  Note: Certain terms and conditions may apply.
  
  This add-on will not cover -
• Any total loss/CTL and theft claim that is not admissible under Section I of the policy.
• Any non-built-in electrical/electronic and non-electrical/electronic accessories including bi-fuel kit that are part of the invoice but not covered under Section I of the policy.
• Theft claim, in case the final investigation report of the police proving the theft of the vehicle is not produced to the insurer.
• Imported vehicles that are insured.
  
  Note: The coverage is subject to a standard deductible as specified under Section I of the policy as well as the terms, conditions and exclusions of the policy.  

11. Tyre Protector Add-On
    This add-on covers the expenses incurred for repair and/or replacement resulting from accidental loss or damage to tyres and tubes.
    
    In any situation, the insurer is not responsible for paying beyond the following for the unused tread depth of the respective tyre in question -

Note: Certain terms and conditions may apply.

However, the insurer will not provide coverage in the following situations -

• Your vehicle is not repaired at an authorised garage.
• There is any loss or damage that results from natural wear and tear. This includes unevenly worn tyres due to defective steering geometry outside the manufacturer’s recommended limits or wheel balance, failure of a suspension component, wheel bearing, or shock absorber, etc.
• There is any loss or damage caused within the first 15 days of the commencement of the policy.
• The loss or damage was incurred before purchasing the policy.
• There is any loss or damage that leads to total loss of the vehicle.
• The expenses are incurred for routine maintenance including adjustment, alignment, balancing or rotation of wheels or tyres or tubes.
• Tyres or tubes, their parts, and accessories are stolen without the vehicle being stolen.
• Any damage or loss to the tyres/tubes is different from the ones insured or supplied as original equipment along with the vehicle unless reported to the insurer or endorsed on the policy.
• Any damage or loss of your vehicle is a result of a fraudulent act committed by you, the workshop, or anyone entrusted with its possession.
• There is any loss or damage resulting from improper storage or transportation.
• Any consequential loss or damage is caused due to noises, vibrations, sensations, etc. that don't impact the performance of the tyre.
• There is loss or damage resulting from modifications not sanctioned by the tyre manufacturer.
• Any loss or damage arising from racing, rallying, or illegal activities.
• Any loss or damage caused by skipping routine maintenance as advised by the manufacturer.
• Any loss or damage caused by poor repair work.
• Any loss or damage due to a manufacturing defect or design, including a manufacturer's recall.
• Any minor scratches or damage that doesn't impact your vehicle's functionality.
• Any damage or loss to the tyre that has been used to its full specified life as specified in the manufacturer's guidelines or where the unused tread depth is less than 3 mm.
  
  Note: Certain terms and conditions may apply.

12. Rim Protector Add-On
    If the rim on your vehicle gets damaged or warped due to a blowout or due to driving over potholes, kerbs, or other road debris during the policy period, this add-on will cover the cost of repairs or replacement of the damaged rim only. This coverage can be added to your policy by paying a certain extra premium.
    Whenever a rim is replaced, it will be of the same make and specification. If a similar rim isn't available and the replaced rim is better than the damaged rim, then the insurer will not be liable for betterment charges. During the policy period, you can get up to 4 (four) replacements.
    Any service or labour charges incurred during the replacement or repair of damaged rims and the cost of consumables are also covered.
    If you only claim for the rim, your No Claim Bonus won't be affected at renewal as long as there aren't any other claims for damage to the vehicle during the policy period.
    
    However, the insurer will not provide coverage in the following circumstances -

• Your vehicle is not repaired at an authorised garage.
• Loss or damage arising out of natural wear and tear or damage caused by defective steering geometry outside the manufacturer’s recommended limits or wheel balance, failure of suspension component, wheel bearing, or shock absorber, etc.
• Any loss/damage caused to the rims because of corrosion, rusting, and/or oxidation.
• Any loss or damage occurring within the first 15 days of the commencement of the policy.
• Any loss or damage occurring before the commencement of the policy.
• Any loss or damage leading to total loss of the vehicle.
• Any expenses incurred for routine maintenance including adjustment, alignment, balancing or rotation of wheels.
• If the rims, their parts, or accessories get stolen except when your vehicle is stolen at the same time.
• The claimed rims are different from the insured ones or supplied as original equipment along with the vehicle unless reported to the insurer and mentioned in the policy.
• Damage or loss resulting from a fraudulent act committed by you, your workshop, or anyone you've entrusted with the vehicle.
• Loss or damage resulting from improper storage or transportation.
• Any consequential loss or damage caused due to noises, vibrations, and sensations that do not impact the performance of the rim.
• Loss or damage resulting from modifications not sanctioned by manufacturers.
• Any loss or damage to rims caused by accessories fitted to your vehicle, such as wheel covers, etc.
• Loss or damage caused due to races, rallies, or illegal activities.
• Loss or damage caused by skipping the periodic maintenance advised by the manufacturer.
• Loss or damage caused by poor repair work.
• Loss or damage caused by a manufacturing defect or design, including recalls by manufacturers.
• Damage or scratch that doesn't affect the functionality of the rim.
  
  Note: Certain terms and conditions may apply.

13. Hospital Cash Cover
    In the case of a bodily injury caused by accidental, external, violent and visible means while riding in, getting in, or getting out of the vehicle during the policy period, the add-on will pay the sum insured stated in the policy schedule for you and your family for each day of hospitalisation. You can opt for this cover at a certain extra premium.
    Please note that such hospitalisation should last at least 24 hours. A convalescence benefit shall also be paid, according to the policy schedule, after 7 days of hospitalisation. Unnamed passengers travelling in your vehicle up to the licensed seating capacity are also covered.
    
    However, the coverage is not provided in the following cases -

• Any claim related to a sickness, disease, or medical disorder that is not directly consequential to the accident.
• Any claim related to psychosomatic disorders of any kind that are caused by an accident or other means.
• The claim is not backed by an original and valid bill and prescription from the doctor or hospital.
• Any claim filed due to intentional self-injury, suicide, attempted suicide, physical defect, or infirmity.
• Damage or loss arising from when your vehicle is driven by you or anyone else under the influence of alcohol or drugs.
  
  Note: For each and every claim, a deductible of 2 days (48 hours) applies. The coverage is subject to terms, conditions, limitations and exceptions of the policy.

14. Consumable Expenses Add-On
    This add-on will cover the cost of consumables that need to be replaced due to an accident involving your vehicle. Here, consumables refer to items such as engine oil, gearbox oil, lubricants, nuts, bolts, screws, distilled water, grease, oil filter, bearings, washers, clips, brake oil, fuel filter, air conditioner gas and items of a similar nature excluding fuel. This add-on is available at a certain extra cost.
    
    However, the insurer will not provide coverage in the following cases -

• Any damage to consumables not associated with an admissible own damage claim under Section I of the policy.
• Claims that are invalid and not admissible under Section I of the policy.
• Your vehicle is repaired at an unauthorised garage.
  
  Note: This cover is subject to the standard deductible in Section I of the policy as well as the terms, conditions, limitations and exceptions of the policy.

15. Engine Protector Add-On
    This add-on will cover the costs associated with repair and replacement arising from consequential loss or damage to the internal parts of the engine as well as the gearbox, transmission or differential assembly, etc. The coverage is applicable only if the loss or damage results due to water logging. You can opt for this add-on at a certain extra cost.
    
    Note: Certain terms and conditions may apply.
    
    However, the coverage will not apply in the following situations -

• The loss or damage is covered under the manufacturer’s warranty, recall campaign, or is part of maintenance or preventive maintenance.
• Any loss or damage including corrosion aggravation due to delay in notifying the insurer or removing the vehicle from a water-logged area.
• The loss is due to leakage and flushing of consumables.
• The repair work is done without getting prior approval from the insurer.
  
  Note: Certain terms and conditions may apply.

16.  Key Protect Cover
    This add-on will cover the cost of replacing your vehicle's keys in case of loss or theft. It also covers the cost of replacing your locks and keys in case of a break-in. The coverage includes the labour cost of replacing the lock. Please note that the insurer will cover the cost of installing new locks in your vehicle in the event of a security risk resulting from lost keys.
    
    However, the add-on will not provide coverage for the following -

• Expenses other than those listed in the ‘What is covered section?’
• Expenses associated with replaying your keys to a vehicle not used for personal purposes.
  
  Note: The insurer will cover up to 1% of the claim amount or Rs 500 whichever is higher. Certain terms and conditions may apply.

17. Loss of Personal Belongings Add-On
    The insurer will cover the loss or damage caused to your personal belongings by risks mentioned under Section I of Reliance General Private Car Insurance while they are in the vehicle at the time of loss or damage to your vehicle. You can opt for this add-on at a certain extra premium.
    Here, personal belongings refer to items such as clothes and other articles of a personal nature that are worn, used or carried. This also includes audio, video tapes, CDs and items of similar nature.
    
    This add-on will not cover -

• Money, securities, cheques, bank drafts, credit card or debit cards, jewellery, lenses, glasses, travel tickets, watches, valuables, manuscripts, paintings and items of similar nature.
   
• Any business or trade-related items.
  
  Note: Certain terms and conditions may apply.

18. Cover For Replacement Car
    This add-on will provide a temporary replacement car to you if you cannot use your vehicle due to risks covered under section I of Reliance General Private Car Insurance provided that your vehicle is kept with the insurer's authorised dealer or repairer for a specified minimum number of days for repairs.
    
    This temporary replacement vehicle will be provided for a maximum of -

• 15 days, for any loss or damage claims other than total loss/constructive total loss/theft claims.
• 30 days, for any loss or damage claims that amount to total loss/constructive total loss/theft claims.
  
  Note: Certain terms and conditions may apply.

19.  No Claim Discount One Step Down Cover
    This add-on will provide the applicable No Claim Bonus as per the table given below at the time of renewal for one approved accidental claim during the policy period. You can opt for this add-on at an extra premium.

Note: The coverage is subject to terms, conditions, limitations and exceptions of the policy.

20. Replacement Locks Insurance
    This add-on will cover the expenses incurred for replacing and recoding locks and/or keys of the same type and model in case of damage, loss, or destruction. During the policy period, the insurer's liability is restricted to one event and will not exceed the limit specified in the policy schedule. You can opt for this add-on at a certain extra cost.
    The insurance company will keep the current NCB at renewal time only if the keys were damaged in an accident and not the rest of the car.
    
    The coverage is applicable only -

• If your vehicle is repaired by an authorised dealer or repairer.
• To one approved accidental claim made when the policy is in force.
  
  Note: The coverage is subject to the terms, exceptions, conditions and limitations of the policy.

21. Daily Allowance Benefit Plus
    This add-on will compensate you if you cannot use your vehicle due to risks mentioned in Section I of this policy. You can opt for this add-on at a certain extra cost.
    You will receive this allowance only when your vehicle is kept at one of the insurer’s authorised network garages for more than 3 days for repairs. And, the insurer will provide this allowance only if your claim for loss or damage to your vehicle is admissible under the policy and the time taken from when you deliver the vehicle to the insurer’s authorised network garage and notify the insurer till its delivery is longer than the number of days specified under the policy.
    You will receive a certain amount for each day your vehicle is not available in the event of loss or damage, as per your chosen plan and policy schedule, except in cases of total loss/constructive total loss.
    If your vehicle is stolen and not recovered within 90 days, the insurer will offer a lump sum payment under the daily allowance benefit, depending on your policy.
    
    The coverage applies only if -

• Your vehicle is repaired in one of the authorised garages.
• The time required for repair of your vehicle is more than 3 days.
• You take delivery of the fixed vehicle from the garage without delay.
• You don’t exceed the maximum number of admissible claims (as per the policy schedule) during the policy period.
  
  The coverage will not apply in the following cases -
• The vehicle has already been taken out of the garage.
• Delays caused by late vehicle deliveries to the garage.
• Invalid claims for loss or damage.
• Losses directly or indirectly caused by restrictions put forth by a government or public authority in response to an epidemic, pandemic, or disease outbreak.
  
  Note: Certain terms and conditions may apply.

22. EMI Protection Add-On
    In case your vehicle needs to be kept in the authorised garage for repair work for more than 21 consecutive days in case of an accident, the insurer will cover the EMIs of your auto loan up to the sum insured. Please note that the number of days is counted from the date you notify the insurance company or you deliver the vehicle to the authorised garage (whichever is later) and before the repairs are done and notified to you.
    
    You can get this add-on if it's in your policy schedule by paying an extra premium.

After you make a claim under the add-on, the payment will go to the bank or financial institution that holds your vehicle for hypothecation, hire-purchase, or lease agreements. You'll get the payment directly if you already paid the EMI for your auto loan while your vehicle was being repaired.

This add-on will not provide coverage if –

• Any EMI payments or additional charges are due to non-payment, delay in payment, or default on any loans you owe to a bank or financial institution.
• Your vehicle is stolen or declared a total loss.
• Your auto loan is more than the insured declared value (IDV) of your vehicle.
• You have already paid off your auto loan during the policy period and have no EMI payments due at the time of repair.
• You are taking longer to submit the necessary documents for your own damage claim beyond 21 days or the limit specified by the insurer from the date of claim notification.
• Any losses are caused by government or public authority restrictions due to an epidemic, pandemic, or disease outbreak.
  Under this add-on, the insurer’s maximum liability for a single EMI is up to the sum insured as specified in your policy schedule and is subject to the number of EMIs you choose. During the policy period, this cover is only available for a specific number of admissible claims - as specified in the policy schedule.
  
  Note: The coverage is subject to the terms, conditions, limitations and exceptions of the policy.