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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.

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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



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