Reliance General Commercial Vehicle Policy

• Loss/damage cover for the vehicle insured
• Cover for liability to third party
• Personal Accident Cover for Owner cum Driver
• Cover for towing disabled vehicles
• Customize the policy with additional covers
• Immediate online policy issuance & renewal
• Cashless claim service at network garages
• Quick and hassle-free settlement for your claims

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 1 lakh is payable towards personal accident cover during any one period of insurance.

Towing Disabled Vehicle

While the insured vehicle is being used for the purpose of towing any disabled mechanically propelled vehicle, the indemnity is provided in respect of liability in connection with such towed vehicle.

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

• 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.
• Additional Towing Charges: This add-on cover provides the Insured an additional amount towards towing charges arising out of an accident involving the insured vehicle.
• 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.
• Daily Allowance Benefit: Allowance is payable to the Insured for loss of use of the insured vehicle due to risks covered under Own Damage cover of this policy.
• Daily Allowance Benefit Plus: This add-on cover provides an allowance to the Insured for loss of use of the insured vehicle due to risks covered under Own Damage cover of this policy.
• Personal Accident Cover: Personal accident cover is available for drivers, insured or any named person, and unnamed passengers.

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.