At Reliance General Insurance, we offer you the best of both the worlds. Get enhanced protection at attractive premium rates. Here are the discounts we offer: -
No Claim Bonus
The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%. Here's how it is accumulated on a yearly basis: -
No. of Years Discount
One claim-free year 20%
Two consecutive claim-free years 25%
Three consecutive claim-free years 35%
Four consecutive claim-free years 45%
Five consecutive claim-free years 50%
Voluntary Deductible
You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your auto insurance premium. Please refer to the below table for the applicable Voluntary Deductible: -
VOLUNTARY DEDUCTIBLE DISCOUNT
Rs 2500 20% on the OD premium of the vehicle, subject to a maximum of Rs 750/-
Rs 5000 25% on the OD premium of the vehicle, subject to a maximum of Rs 1500/-
Rs 7500 30% on the OD premium of the vehicle, subject to a maximum of Rs 2000/-
Rs 15000 35% on the OD premium of the vehicle, subject to a maximum of Rs 2500/-
Additional Discounts
Besides the attractive discounts offered by NCB, you can avail additional discounts on auto insurance in case…
You are a member of any recognized automobile association
You have installed an anti-theft device in your car
You have covered the vehicle for specific location usage
Car Insurance Policy Exclusions
As much as we would like to cover all possible risks, certain situations are just not feasible.
We like to maintain complete transparency with our customers. So here's what we don't cover: -
- General wear-and-tear of the car
- Mechanical and electrical breakdown
- Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.
- Damage to/by person driving without a valid driving license
- Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance
- Loss or damage due to depreciation of the car's value
- Loss or damage due to war or nuclear risks
- Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered under our motor car insurance
- Compulsory deductibles - a fixed amount that gets deducted at the time of the claim
- Depreciation Cover shall not be applicable to theft & total loss claims
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