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Credit Cards   Auto Loans   Home Loans   Personal Loan         Fixed Deposits   Savings Accounts   Education Loans   Auto Insurance     AUTO INSURANCE DETAIL Reliance General Insurance Policy Highlights Policy Name Motor Insurance Issuer Reliance General Insurance Policy Period 1 Yrs. Main Features Cashless facility is available at 2100 network garages. Reimbursement of towing charges upto Rs. 1,500. Survey is done within 8 working hours. Hassle free claim settlement procedure and attractive discounts are offered with the policy. Complete car insurance, on and off the road.  Policy Covers   Policy Covers Natural Calamities: Fire Yes Explosion Yes Self-Ignition Yes Lightning Yes EarthQuake Yes Flood Yes Typhoon Yes Hurricane Yes Storm Yes Tempest Yes Inundation Yes Cyclone Yes Hailstorm Yes Frost Yes LandSlide Yes RockSlide Yes   Man-Made Calamities: Burglary/Theft Yes Terrorist Activity Yes Riot & Strike Yes Malicious Act Yes Accident by External means Yes Any damage in Transit by road, rail, inland waterway, lift, elevator or air Yes Other: Compulsary Personal Accident Cover Yes Compulsary Third Party Legal Liability Yes  Exclusions   Exclusions Consequential loss Yes Depreciation/Wear and tear Yes Mechanical/Electrical Breakdown Yes Failures or Breakages Yes Accidental loss/Damage whilst the insured or any person driving with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs Yes Driving without a valid license Yes Claims arising when vehicle is used beyond limitations as to use Yes Loss due to war or related activities / Nuclear weapons Yes Damage to tyres and tubes unless vehicle is damaged at the same time No  Additional/Optional Covers   Additional/Optional Covers Electronic Accessories Yes Non-Electronic Accessories Yes Bi-fuel Kit (LPG/CNG or Diesel/Petrol) Yes Geographical Extension Country Yes Accident cover for un-named passengers No Employees Liability Yes Legal Liability cover for Paid driver Yes  Additional Discounts & Bonus   Additional Discounts & Bonus Additional Discounts: Automobile Association Membership Yes ARAI approved anti-theft device Yes Discount for voluntary deductibles No Vintage cars Yes Blind/Handicapped Person/Mentally Challenged Yes Bonus: No Claim Bonus (NCB) Yes NCB Trasnfer No  Benefits   Benefits Cashless Claim Facility Yes 24X7 Toll Free Helpline Yes E-policy Yes Number of Garage covered 2100 Anytime, Anywhere Claims Reporting No Free Pickup / Towing charges of Vehicle Yes Warranty on accident repairs No  IDV   IDV Sum Insured [with IDV]: The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' (for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories if any fitted to the vehicle) is to be fixed on the basis of hte manufacturer's listed selling price of the brand and model as the vehicle insured at the commencement of insurance/renewal and adjusted for depreciation. IDV of vehicles beyond 5 years of age of obsolete models of the vehicles (i.e. models which the manufacturers have discontinued to manufacture) is to be determined on the basis of an understanding between the insurer and the insured. IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL)/Constructive Total Loss (CTL) claims. Schedule of Depreciation for IDV:  Other Information   Other Information Documents Required for claim and policy renewal: Following information needs to be furnished by you while intimating a claim: Your Contact Numbers Policy Number Name of Insured person, Date & Time of accident, Vehicle number Make and Model, Location of Loss, Garage Name with contact details Brief description on how the accident took place, Extent of loss Place & contact details of the Insured Person if the person intimating the claim is not insured.  Terms & Conditions   Terms & Conditions Policy Wording   Show All Auto Insurance Policies CARDS BY ISSUERS ABN AMRO American Express Andhra Bank Andhra Pradesh Mahesh Co-Op Urban Bank Ltd. AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Bhartiya Mahila Bank Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank Development Credit Bank Ltd. Dhanlaxmi Bank Federal Bank HDFC Bank HSBC Bank ICICI Bank IDBI Bank Indian Bank Indian Overseas Bank IndusInd Bank ING Vysya Bank Jammu & Kashmir Bank Karnataka bank Karur Vysya Bank Kotak Mahindra Bank Oriental Bank of Commerce Punjab & Sind Bank Punjab National Bank Reliance Capital Ltd. Royal Bank of Scotland Standard Chartered Bank State Bank of India Syndicate Bank Tamilnad Mercantile Bank Ltd The Lakshmi Vilas Bank Limited The Ratnakar Bank Ltd. The Saraswat Coop Bank Ltd UCO bank Union Bank of India United Bank of India Vijaya Bank YES Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans Auto Insurance   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans Auto Insurance   EDITORS' PICKS Rupeetimes guide to different types of... Collateral and co-applicant requirements... FMPs or FDs: Make an informed choice Carnival of Indian Personal Finance Blogs #4 Some New Ways to Save on Your Car...

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