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Reliance Car Insurance Claim

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Highlights
    Network Garages6,200+
    Claim Settlement Ratio84.26%
    Emergency AssistanceAvailableAvailable 24/7
    Policies Issued56 lakh+ in FY19
    Claim ProcessDigitally Enabled
    Presence139+ branches

    Reliance Car Insurance Claim Process

    When you purchase a Reliance General car insurance policy and pay premiums on time, you become entitled to receive a claim after an accident. The claim amount depends on the degree and nature of damage/injury incurred to you, your vehicle and third-party.

    Reliance General Insurance offers you a very simple claim settlement process. You can download the Reliance Self-i App to intimate claims instantly or can have live video chats with claim experts. It also enables the option to track the status of a claim in real-time.

    How to Make Reliance Cashless Car Insurance Claim?

    Reliance General Insurance offers a wide network where its policyholder can get their cars repaired without any expense.The process to make cashless claim is as follows:

    1) Intimate the insurer

    Reliance General Insurance offers a very convenient way to initiate a claim. Inform the company about the accident by calling the toll-free number 1800 3009 or via the Reliance Self-i App. You can have live video calls with claim experts and track claim status in real-time.

    2) Repair of the car

    Drive/tow your vehicle to the nearest authorized (by Reliance General Insurance) network garage for repairs. Alternatively, you can also request for a pick-up service from the company. After inspecting the damaged car, a surveyor arranged by the company will collect the necessary documents.

    3) Submission of report

    The surveyor will inspect your vehicle and submit the report to the insurance company. Reliance General will then confirm its liability and will inform the policyholder about the deductibles.

    4) Settlement of claim

    Reliance General has a wide network of over 6,200 cashless garages and offers you 24x7 roadside assistance. If your car is repaired at one of these cashless garages, you only have to pay your share of the liabilities. The rest will be paid directly to the garage by the insurance company.

    How To Make Reliance Reimbursement Car Insurance Claim?

    Reliance General Insurance offers a wide network where its policyholder can get their cars repaired without any expense.The process to make reimbursement claim is as follows:

    1) Intimate the insurer

    Reliance General Insurance offers convenient ways to initiate a claim. Inform the company about the accident by calling the toll-free number 1800 3009 or via the Reliance Self-i App. You can have live video calls with claim experts and track claim status in real-time.

    2) Repair of the car

    Drive/tow your vehicle to the nearest authorized (by Reliance General Insurance) network garage for repairs. Alternatively, you can also request for a pick-up service from the company. A surveyor arranged by the company will collect the necessary documents after inspecting the damaged vehicle.

    3) Submission of report

    The surveyor will inspect your vehicle and submit the report to the insurance company. Reliance General will then confirm its liability and will inform the policyholder about the deductibles.

    4) Settlement of claim

    If the car is repaired anywhere other than a Reliance General-approved garage, the policyholder is responsible for the entire price and must submit receipts to the company for reimbursement. After deducting the deductibles, Reliance General will reimburse the repair bills.

    List of Documents Required During Claim Settlement

    Here is the list of documents required for cashless and reimbursement claims:

    • Policy number
    • Period of insurance
    • Previous Insurance Details
    • Original Certificate/Vehicle Policy Document
    • Any other document as required by the insurer
    • All the sets of keys/service booklets/Warranty card
    • Police Panchanama / FIR and final investigation report/JMFC report
    • Acknowledged copy of letter address to RTO intimating theft and making vehicle "NON-USE"
    • Original Registration Book, with theft endorsement from concerned RTO, and tax payment receipt.

    Reliance No Claim Bonus

    Apart from offering a wide range of car insurance plans, Reliance General Insurance also provides some benefits to make its policies extremely affordable with several discounts like No Claim Bonus. The NCB is a reward offered by insurance companies to policyholders who have not filed any claims in the previous insurance period.It can be achieved only with safe and responsible driving due to which policyholders are rewarded with NCB which is offered in terms of discount that can decrease your payable premium by a good margin.A discount of up to 50% can be obtained by collecting No Claim Bonus over the years, which can vary from 20% to 50% depending on how many consecutive claim-free years you had.

    Every policyholder should be aware that the No Claim Bonus is only applicable to standalone own-damage and comprehensive car insurance policies. If you want to keep your NCB benefits for years, you must renew your car insurance policy on time every year, or it will be terminated.One feature of this NCB benefit is that it is transferable as it is provided to the policyholder, not to insured cars. Hence, you can also transfer this benefit from one car to another car or from one car insurance policy to another policy. In short, this benefit is a great reward for safe driving and making no claims.


    Common Reliance Car Insurance 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:

    • Intoxication
    • Act of negligence
    • Driving without license
    • Misinterpretation of facts
    • Registration of a fraud Claim
    • Claiming wrong coverage amount
    • Improper functioning of the vehicle parts
    • Lack of details required to process the claim
    • Delay in intimation about the mishap to the insurer.

    Reliance No Claim Bonus

    Apart from offering a wide range of car insurance plans, Reliance General Insurance also provides some benefits to make its policies extremely affordable with several discounts like No Claim Bonus. The NCB is a reward given to policyholders from insurance companies for not making any claim requests in the last insurance period. It can be achieved only with safe and responsible driving due to which policyholders are rewarded with NCB which is offered in terms of discount that can decrease your payable premium by a good margin. No Claim Bonus accumulated over the years can get you a discount from 20% which can be accumulated with every consecutive claim-free year to maximum of 50%.

    When it comes to No Claim Bonus, every policyholder should be aware of the fact that it is applicable only with the standalone own-damage car insurance policy and comprehensive car insurance policy. To hold NCB benefit for years, you must renew your car insurance policy timely every year without fail as it may lead to its termination. One feature of this NCB benefit is that it is transferable as it is provided to the policyholder, not to insured cars. Hence, you can also transfer this benefit from one car to another car or from one car insurance policy to another policy. In short, this benefit is a great reward for safe driving and making no claims.

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    7 Reliance Cashless Garages in India

    Reliance Car Insurance Claim FAQs

    • How do I register a claim after an accident?

      Registering a car insurance claim with Reliance General is a simple and tension-free process. Inform the company about the accident by calling at 1800 3009. You can also directly register online by downloading the claim form from the following: link:https://www.reliancegeneral.co.in/Downloads/Motor_Claim_Form.pdf

    • Do I need to report to the police?

      Yes, you should immediately report to the police in case of injury/death of a third-party, bodily injury of self or any third-party property damage. Lodge an FIR about the accident and keep a copy of the same.

    • Is it compulsory to file a claim even for minimal damage?

      No, it isn’t necessary. Also, you must refrain from filing claims for minimal damage. This will save your No Claim Bonus (NCB) discount.

    • What is Constructive Total Loss?

      If the repair cost of the damaged car is more than its current market value, then the loss is known as Constructive Total Loss.

    • I am having a problem with claim settlement, what should I do?

      There is no need to worry in any case. Always feel free to reach Insurancedekho by calling at 7551196989 in case of any query related to claim settlement process.

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