Reliance Bike Insurance Claim
Reliance General Insurance serves as an ideal partner in the long drive of your life to deal with all the unforeseen events without any worries. It takes care of all the financial obligations of your bike arising out of road mishaps, theft or disaster. It has maintained a good record with a claim settlement ratio of 82.93% in the financial year 2017-2018.
Reliance General Insurance has succeeded in resolving the issues and settling the claims of its thousands of policyholders without any hassle. It has set up an active support team that provides emergency support round the clock. The policyholders can become aware of the seamless claim settlement procedure through this article.
List of Documents Required During Claim Settlement
Following documents are required at the time of settling a bike insurance claim:
- Duly filled and signed claim form
- Self-attested copy of Registration Certificate (RC)
- Driving license of the person driving at the time of the accident
- Policy copy
- Original repair estimate, repair invoice and payment receipt for non-cashless claims
- Original repair invoice for cashless claims.
How To Make a Cashless Bike Insurance Claim with Reliance General Insurance?
Reliance General Insurance provides a wide network of more than 750 garages spread all over India where its policyholder can repair their registered bikes without any expense. It has a seamless procedure of claim settlement which is described in simple steps below.
Step 1: Contact the insurer
The first step is to inform the insurer as soon as possible after the incident, be it theft, accident or any damage to the bike. You can connect to Reliance General Insurance by calling their toll-free number 1800 3009. You must click pictures of the place where the unfortunate event had occurred, and collect the number of witnesses. These serve as proof when you register for the claim.
Step 2: Register Claim
Within 24 hours of intimation, a representative from Reliance General Insurance will contact you. You need to provide the following information to the executive.
- Name of the insured person
- Policy number
- Your contact numbers
- Date and time of the accident
- Vehicle number
- Make and model of the vehicle
- Accident location
- Extent of loss
- Brief description of how the accident occurred
- Garage name
- Garage contact details
After the collection of the information, the executive provides you with a claim reference number. You need to save it for further process.
Step 3: Survey of Damages
A surveyor will be sent by the insurance company to check the extent of the damages caused to the bike during the accident. You have to hand over the documents and proves to the surveyor. After the survey, you will receive a claim form. You need to fill it up and submit it to the surveyor.
Step 4: Claim Settlement
After assessing all the aspects, Reliance confirms its liability and pays all the expenses of repair of the insured’s bike to the garage. The claim amount is calculated by factorising the deductibles and depreciation.
How To Make a Reimbursement Bike Insurance Claim with Reliance General Insurance?
A reimbursement claim is made if the policyholder fails to take the insured bike to the network garage partnered with Reliance General Insurance. If the policyholder opts to get his/her bike repaired somewhere else, he/she can register a reimbursement claim to get the compensation for repairing the bike. The process of placing a reimbursement claim is as follows:
Step 1: Contact Reliance General Insurance
It is essential to initiate the reimbursement process by calling on the toll-free helpline number 1800 3009. You should make the call within 24 hours of the unfortunate event of an accident.
Step 2: Register A Claim and Get Claim Reference Number
The executive of Reliance Insurance company reverts back to you. You have to inform the executive about the policy number and details about the accident. The executive provides you with a unique claim reference number.
Step 3: Survey of the Damages Incurred
The company will send a surveyor to check the condition of the bike before it is sent for repairs. After assessing the extent of damage, a claim form is given. You have to fill up the claim form and submit it to the surveyor. All the documents and proof should be submitted as well.
Step 4: Repair and Reimbursement
Send the bike to your desired garage. Once the repair is complete, you have to pay to the garage and submit all the documents asked by the company along with the bills and receipts to make the request for the reimbursement claim. The company verifies the details and finally disburse the claim amount taken into consideration all the deductibles and depreciation.
Common Claim Rejection Reasons
Reliance has specific conditions that the policyholders should fulfil in order to settle the claims. The claim is rejected by the insurance company under the following conditions.
- Registration of a fraud Claim
- Claiming wrong coverage amount
- Misinterpretation of facts
- Improper functioning of the vehicle parts
- Driving without license
- Lack of details required to process the claim
- Delay in intimation about the mishap to the insurer
- Act of negligence
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Reliance Bike Insurance Claim FAQs
How can I get coverage under Reliance bike Insurance if I get my bike repaired at a garage other than the network garages?
You should intimate the insurer after the accident as soon as possible. After the survey by the insurance company, you can move the bike to your desired garage. Later, you can register a reimbursement claim, proving all the documents, bills and receipts of repair to the company. The company verifies the information provided and disburse the permitted claim amount to you directly.
When should I file an F.I.R?
You should lodge an F.I.R at the nearest police station immediately after the accident or theft of your bike. A copy of F.I.R is a must while making a claim to your insurer.
What does the term “non-cashless claim” mean?
A non-cashless claim is popularly known as a reimbursement claim. In this type of claim, the settlement/payment is made directly to the policyholder. A policyholder can register a non-cashless claim if he had repaired the registered bike in a garage which is not a part of the network of the insurer. The insurance company verifies the original bills and receipts of repair and disburses the claim amount factorising the deductibles and depreciation.
Is the bike insurance claim process time-bound?
Yes, the claim process is time-bound. It is advisable to inform the insurer as soon as possible. The time boundation varies from one policy provider to another. The first thing a policyholder should do after an accident is to intimate the insurer about the accident and register a claim.
How can I get in touch with Reliance General Insurance after an accident?
You can get in touch with Reliance General Insurance by calling on their toll-free number which is 1800 3009.
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