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Reliance Own Damage Car Insurance
Reliance Own Damage Car Insurance is a policy that protects your car only. It covers the repair or replacement cost if your vehicle gets damaged due to an accident, fire, theft, or natural disasters. This cover is helpful because it gives financial support when your car is damaged, even if no other person is involved in the accident.
You can also add extra protection through add-ons like Zero Depreciation, Engine Protection, and Roadside Assistance to make the policy stronger.
Since third-party insurance is mandatory by law and does not protect your own car, buying an Own Damage cover with it ensures complete safety for your vehicle.
Key Features of Reliance Own Damage Car Insurance
Here are some important features of Reliance Own Damage car insurance:
- 01
Accidental Damage Coverage
It covers repair or replacement costs if your car gets damaged due to accidents, collisions, or hitting objects.
- 02
Protection From Natural Disasters
It offers compensation for damages caused by floods, earthquakes, storms, lightning, and other natural disasters.
- 03
Theft and Burglary Cover
If your car gets stolen or damaged due to theft attempts, the policy provides financial support.
- 04
Transit Damage Cover
Your car is protected against damage while being transported by road, rail, water, or air.
- 05
No Claim Bonus (NCB)
You can receive discounts on the premium for claim-free years, which may go up to 50%.
- 06
Optional Add-On Covers
You can choose useful add-ons such as Zero Depreciation, Engine Protection, Return to Invoice, Roadside Assistance, and Key Replacement.
- 07
Personal Accident Cover
The policy includes up to Rs. 15 lakh PA cover for the owner-driver for accidental injuries or death.
- 08
Cashless Repairs Across India
Reliance has a wide network of garages where you can get cashless repair service easily.
- 09
Fast Online Purchase & Renewal
You can buy or renew your policy online within minutes, without paperwork.
- 10
Quick & Easy Claim Assistance
Reliance offers dedicated support for smooth and convenient claim settlements.
Motor Insurance Plans By Reliance
What Does Reliance Own Damage Car Insurance Cover and Not Cover?
What it Covers
Here are the situations where this policy provides coverage:
Damages due to road accidents or collisions
Loss or damage due to fire, explosion, or natural disasters
Theft or burglary of the insured car
Damage caused by riots, vandalism, or malicious acts
Transit-related damages (road, railway, or waterways)
Personal accident cover up to Rs. 15 lakh for the owner-driver
What Does it not Cover
The following are exclusions under this policy:
Driving under the influence of alcohol or drugs
Driving without a valid driver's license
Third-party property or injury damages
Wear and tear or regular mechanical breakdowns
Damages outside India
Losses due to war, nuclear risks, or illegal activities
Depreciation unless the Zero Dep add-on is purchased
Benefits of Reliance Own Damage Car Insurance
Here are some of the key benefits of Reliance Own Damage Car Insurance:Protects your car from accidents, fire, theft, and natural calamities
Option to choose add-ons for wider and better coverage
Rewards you with a No Claim Bonus for safe driving
Covers total loss or full theft of the vehicle
Financial protection against riots or vandalism
Covers damages during vehicle transport
Offers peace of mind while driving
FAQs
It is a policy that covers damage to your own car due to accidents, theft, fire, vandalism, or natural disasters. It does not include third-party coverage.
Yes. Third-party insurance is mandatory by law, while Own Damage insurance provides additional protection for your vehicle.
Accidental damage, fire, theft, floods, storms, riots, and malicious activities are covered under this plan.
Damages due to drunk driving, driving without a license, normal wear and tear, and mechanical or electrical failures are not covered.
Yes, it offers personal accident cover for the owner-driver up to Rs. 15 lakh.
Yes, optional add-ons like Zero Depreciation, Engine Protection, Roadside Assistance, Return to Invoice, and Key Replacement are available.
The premium depends on your car’s age, make, and model, city of registration, and selected add-ons.
Yes, you will be compensated with the Insured Declared Value (IDV) if your car is not recovered.