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Reliance Zero Depreciation Car Insurance

Your car, just like any other commodity loses value over time, which is known as depreciation. This even applies during claim settlement, where the insurance company factors the depreciation amount while settling the claim. This results in a low claim amount even if your policy is active and you have paid premiums on time.

However, opting for Nil Depreciation cover along with your Reliance General comprehensive car insurance policy shifts the liability of bearing depreciation from you to your insurer. This means that you will get a higher claim amount, which would not have been possible otherwise. Nil Dep add-on covers, depreciation of all parts of your car except the tyres and tubes.

Benefits of Reliance Zero Depreciation

An extra premium won’t hit hard on your pockets than substantial deduction of depreciation from the claim amount. Nil Depreciation add-on cover from Reliance General saves you from this deduction in the following ways:

  • Nil Depreciation add-on cover over the standard comprehensive car insurance policy offers you a higher claim amount. This entitles the company to sanction the claim without deducting depreciation from it.
  • This add-on covers, depreciation of all parts of your vehicle from fibreglass to the bonnet, seats and carpet. However, the add-on cover does not include tyres and tubes, which, anyhow is not enough to raise any complaint.

Depreciation Rate Applicable on Car With And Without Zero Depreciation Add-on

Age of Car

Rate of Depreciation Without Zero Depreciation Cover

Rate of Depreciation With Zero Depreciation Cover

Under 6 months

Nil

0%

6 months to 1 year

5%

0%

1-2 years

10%

0%

2-3 years

15%

0%

3-4 years

25%

0%

4-5 years

35%

0%

5-10 years

40%

0%

Above 10 years

50%

0%

Disclaimer: Battery / Plastic / Nylon / Rubber parts -> 50% covered; Fiberglass -> 70% covered, Wooden & Metallic parts -> Depreciated basis age of vehicle (normal)

Factors Affecting Reliance Zero Depreciation Cover

The Reliance zero depreciation cover is influenced with various benefits, which are as follow:

  • This cover is valid for only two claims during the policy tenure.
  • Cars with a maximum age of 2 years can avail this zero depreciation cover.
  • Selected makes and models are eligible for this cover, hence, read the policy carefully.
  • Damages caused due to uninsured peril, normal wear and tear are excluded from this cover.

Must Read Articles before buying Reliance Car Insurance

Reliance Car Insurance User Reviews

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  • Hassle-free Experience

    I recently purchased National Car Insurance through InsuranceDekho, and I must say, it was a hassle-free experience from start to finish.

    A
    By Anjali Sharma
    On: March 5, 2024
  • Reliable and Hassle-free

    Using InsuranceDekho, I recently Reliance Car Insurance. The process was seamless and their support team was fantastic. Highly recommend for hassle-free coverage.

    V
    By Vanshika Taneja
    On: March 4, 2024
  • Tailored Renewal Solutions

    What sets InsuranceDekho apart is its ability to tailor renewal solutions. They took the time to understand my evolving needs and recommended the changes in the renewal of the Reliance Car Insurance Policy that aligned perfectly with my Nissan car.

    P
    By Prateek Bose
    On: November 21, 2023
  • Accurate Estimates, No Surpris...

    Using InsuranceDekho's premium calculator gives me accurate estimates of what I'll pay for my Reliance Car Insurance Policy. It ensures that I'm not hit with unexpected premium surprises later on for my Toyota car.

    L
    By Laveesha Bansal
    On: October 16, 2023
  • Convenience at Every Turn

    The convenience of cashless garages with InsuranceDekho is unparalleled. I don't have to worry about cash transactions during repairs for my Skoda car because of the Reliance Car Insurance Policy, making the process hassle-free.

    V
    By Vipul Gaur
    On: October 6, 2023
  • No-Claim Bonus for Own Damage ...

    The no-claim bonus protection that I received with the Reliance Car Insurance Policy as an added benefit for my Maruti car offered by InsuranceDekho is a fantastic feature. It rewards responsible driving.

    R
    By Ramandeep Sandhu
    On: September 27, 2023
  • User-Friendly Premium Calculat...

    The premium calculator on InsuranceDekho's website is incredibly user-friendly. I could easily customize my coverage for the Reliance Car Insurance Policy and get instant premium quotes for my Nissan car. It made the decision-making process a breeze.

    By Suresh. R
    On: September 25, 2023
  • Recommended for Every Car Owne...

    I wholeheartedly recommend InsuranceDekho's zero depreciation coverage to every car owner. The Reliance Car Insurance Policy was a smart investment in my Chevrolet car's future.

    G
    By Gaurav Kumar
    On: September 21, 2023
  • Great Customer Experience for ...

    I had a great customer experience with InsuranceDekho third-party coverage. Their team was helpful and guided me through the Reliance Car Insurance Policy purchase process for my Nissan car.

    R
    By Rudra Maheshwari
    On: September 18, 2023
  • Dependable Cashless Garage Net...

    InsuranceDekho's cashless garage network is dependable. I know I can rely on them for quality repairs and hassle-free claims of my Reliance Car Insurance Policy for my Chevrolet car.

    Y
    By Yogesh Kothari
    On: September 14, 2023

924 Reliance Cashless Garages in India

Reliance Zero Depreciation Cover FAQs

  • I have purchased Nil Depreciation add-on cover, do I still need to pay something after repairs?

    Yes, Nil Dep add-on cover only exempts you from paying the depreciation amount. There are still other liabilities that you need to pay, which are not covered under the standard comprehensive policy.

  • How many times can I file a claim with Nil Dep add-on cover?

    A maximum of two claims is allowed for your vehicle in one insurance policy period. Keeping this mind, you should cautiously think before filing a claim for minor accidents.

  • Can I purchase other add-on covers apart from Nil Dep?

    Yes, you can purchase as many add-ons as required. However, you can purchase them only over comprehensive car insurance policy and not with third-party liability cover.

  • Is there anything not covered under Nil Dep add-on?

    Nil Dep add-on cover reimburses for depreciation of every part of your car except tyres and tubes.

  • Can I pay my Nil Dep premium online?

    You don’t need to pay the premium for Nil Dep cover separately. The extra premium to avail this add-on cover is added along with the standard premium of your policy. You can pay premium online via the Reliance General official website. For more details call Insurancedekho at 755 1196 989.

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.