Owning a car is a big responsibility — and protecting it is even more important. Whether it’s daily traffic, unpredictable weather, or rising repair costs, car insurance plays a crucial role in saving you from financial stress. One of the most trusted names in this space is Reliance General Car Insurance, and in 2025, it continues to offer reliable, affordable, and feature-rich plans.
Here’s a detailed look at why this could be the right insurance for your car — with price insights included.
Types of Plans & What They Cost
Reliance offers three main types of car insurance. Let’s explore them with estimated annual premium prices (for a mid-range car like a Maruti Swift, 2020 model, petrol, IDV ₹5 lakh):
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Third-Party Insurance (Mandatory)
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What it covers: Damage to others’ property or injury/death due to your car.
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Estimated Price: ₹2,200 to ₹2,500/year
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Who should get this: People looking for bare-minimum legal cover.
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Comprehensive Insurance
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What it covers: Third-party + your own car (accidents, theft, fire, natural disasters, etc.)
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Estimated Price: ₹6,000 to ₹9,000/year (varies with IDV & location)
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Who should get this: Most car owners — this gives real protection.
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Standalone Own Damage Insurance
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What it covers: Damage to your car (requires existing third-party policy)
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Estimated Price: ₹3,500 to ₹6,000/year
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Who should get this: Owners who already have third-party cover.
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Useful Add-On Covers (Optional, Extra Charges)
These are extra protections you can add to your plan. Here’s what they do — and how much they may cost:
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Zero Depreciation Cover
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Stops value deductions during claims.
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Cost: ₹1,200 – ₹2,000/year
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Engine Protection Cover
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Helps in case of water/flood damage to the engine.
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Cost: ₹800 – ₹1,500/year
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Roadside Assistance
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Towing, battery jumpstart, fuel delivery, etc.
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Cost: ₹300 – ₹600/year
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NCB Protector
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Keeps your no-claim bonus intact after one claim.
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Cost: ₹500 – ₹1,000/year
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These may slightly increase your total premium, but they’re highly recommended for full coverage.
Claim and Service Benefits
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Over 8,000 cashless garages across India
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Instant online policy issuance — no paperwork
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Quick claim approvals — digital inspections available
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24/7 customer support
Sample Price Estimate (with Add-ons)
Let’s say you have a 2020 Hyundai i20 (IDV ₹6 lakh) in Mumbai, and you opt for comprehensive coverage with a few add-ons:
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Base Premium: ₹7,500
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Zero Dep: ₹1,500
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Roadside Assist: ₹500
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Engine Protect: ₹1,200
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NCB Protector: ₹800
Total Annual Premium: ₹11,500 approx.
Note: Prices may vary based on your car model, city, age, and driving history.
Conclusion
If you want peace of mind, round-the-clock support, and a trusted name backing your vehicle, Reliance General Car Insurance is a solid choice in 2025. With customisation, affordable prices, and digital convenience, it’s a smart move for any car owner.
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