Reliance General Private Car Package Policy

• Loss/damage cover for the vehicle insured
• Cover for liability to third party
• Personal Accident Cover for Owner cum Driver
• Avail premium discount
• NCB benefit for no-claim policy year
• Customize the policy with additional covers
• Immediate online policy issuance
• Get free roadside assistance
• Cashless claim service at 3800+ network garages
• Hassle free claim settlement

Own Damage Cover

Loss or damage to the vehicle insured and/or its accessories is covered against perils such as fire explosion, self ignition or lightning, burglary, housebreaking or theft, riot and strike, earthquake, flood, typhoon & hurricane, accidental external means, malicious act, terrorist activity, in transit by road, rail, inland-waterway, lift, elevator or air, landslide or rockslide.

Cover towards Third Party Liability

Insured is covered against third party liability arising out of the use of the vehicle in respect of death or bodily injury to occupants carried in a vehicle other than the insured’s vehicle. It also covers damage to property other than the property belonging to the insured.

Personal Accident Cover for Owner - Driver

In case of bodily injury/death caused to the owner cum driver of the vehicle, the compensation is payable depending on the nature of injury sustained.

For death and Loss of two limbs/sight of two eyes/one limb & sight of one eye is covered up to 100%, Loss of one limb or sight of one eye is covered up to 50% and Permanent total disablement from injuries other than the specified ones is covered up to 100%.

This compensation is payable, when the death/injury caused within six calendar months of accidental external and visible means. A maximum of Rs 2 lakhs is payable towards personal accident cover during any one period of insurance.

No Claim Bonus

In case of a claim-free policy year, No Claim Bonus (NCB) is payable as 20%, 25%, 35%, 45% & 50% and it is offered on policy renewal.

Discounts

You can avail discounts on your vehicle, if you are a member of any recognized automobile association, install an anti-theft device in your car, have covered the vehicle for specific location usage and have opted for Voluntary Deductible while buying the policy.

Voluntary Deductible

Voluntary deductible is also available under the policy. Voluntary deductible helps you to get discounts on the car insurance premium.

Towing Charges Cover

Get the reimbursement of towing charges, you pay for amounting to Rs 1500.

Following are the additional cover/add-ons that can be opted upon payment of additional premium.

• NCB Retention: Normally in case of a claim, the ‘No Claim Bonus (NCB)’ of your vehicle insurance policy gets impacted. However under this cover, the existing NCB of the expiring policy can be retained at the time of renewal. This benefit is available only for one single claim during the policy period.
• Nil Depreciation Cover: It pays the depreciation amount deducted on the value of the parts replaced for an approved claim, in case of loss or damage caused to the vehicle insured.
• Worldwide Personal Accident Cover: This add-on covers against accidents anywhere in the world regardless of who is driving the car. It provides cover against Accidental Death and Permanent Total Disablement.
• EMI Protection: This add-on offers to pay your car EMI for a time period your car is in one of the network garages for repair. Once your vehicle is out and running, you continue paying the EMIs.
• Motor Secure Plus Cover: This cover includes Nil Depreciation, Consumables & Engine Cover.
• Motor Secure Premium Cover: This cover includes Nil Depreciation, Consumables, Engine Cover & Key Protect Cover.
• You can also opt for add-on cover for Loss/damage to electrical/electronic accessories.

Following are the conditions that are not covered under this policy:

• Vehicle is used outside the geographical area
• Vehicle being used otherwise than in accordance with the ‘Limitations as to Use’ specified
• Any claim arising out of contractual liability
• Loss /Damage outside India
• Mechanical breakdown
• Consequential loss
• Depreciation, wear and tear
• Intoxicated driving
• Loss /Damage caused due to War/Mutiny/Nuclear risks, etc.