Reliance Car Insurance Claim

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Reliance General Insurance Co. Ltd is one of the leading general insurance providers in India. They have a wide customer base that constitutes of individuals, SMEs and corporates. The firm offers the best insurance services via its 139 branch offices and 26,587+ intermediaries located across the country.

Reliance car insurance claim process

Reliance car insurance claim process includes the following steps:

• Inform the insurer as soon as the mishap takes place. Call the Reliance General Insurance customer care on their toll-free number 1800-3009 and register your claim request.
• File an FIR at the nearest police station and obtain a copy of the same.
• The insurer will send an authorised surveyor to inspect your vehicle and verify the authenticity of your claim.
• Submit the requested documents (original and xerox copies) to the surveyor and get the copies verified against the originals. If all the documents are in order the firm will confirm the liability and approve the repair of your damaged vehicle.
• In case of a cashless claim, take your car to the nearest network garage for repairs. Once your vehicle is repaired the insurer will directly pay the garage for the repairs made.
• In case of a reimbursement claim, take your vehicle to the nearest garage for repairs, you will have to pay the garage for the repair work. Later submit the invoice/payment receipt to the insurer to get the amount you spent on your vehicle repairs reimbursed.
• Your Vehicle will be delivered after the bills have been settled.

Details and documents to be submitted

You have to submit the following documents and details based on the kind of liabilities you have incurred from the mishap:

• Details to be provided while registering the claim:

• The insurance policy number
• Name and contact details of the driver
• Name and contact details of the policyholder
• Date, time and place of the mishap
• The vehicle’s number
• The model and make of the vehicle
• The extent of damage/loss
• A brief description on the cause of the mishap
• Name, address and contact details of the garage where you are getting your car fixed

• Documents and other things to be submitted while registering the claim:
  • In case of Accidental Damages:

• Insurance Certificate/Cover Note
• Vehicle’s Registration Copy
• Tax payment receipt
• The Driving Licence of the person driving the vehicle at the time of mishap
• Copy of the FIR you filed
• Repair estimate provided by the garage mechanic
• Repair invoice and payment receipt post repair work

• In case of Theft:

• Insurance Certificate/Cover Note
• Vehicle’s Registration Copy
• Letter of theft endorsement from the concerned RTO
• Tax payment receipt
• Previous Insurance Policy details, if any
• The vehicle’s keys, service booklets and Warranty card
• Copy of the FIR filed by you
• The final investigation report provided by the police
• Copy of the acknowledgement letter addressed to the concerned RTO, intimating about the theft and making the vehicle ‘NON-USE’

• In case of Third-party Liability:
  • Form 28, Form 29 and Form 30 duly signed by the insured
  • Form 35 duly signed by the Financer
  • Subrogation Letter
  • A letter of consent from you and Financer towards the agreed claim amount
  • NOC from the Financer if the claim is to be settled in the favour of the policyholder.
  • A signed Claim Discharge Voucher

Exclusions of Reliance Car Insurance

The Reliance car insurance claim process will not be applicable under the following circumstances:

• If the person was driving the car without a valid licence
• If the person driving the car was underage
• If the driver broke traffic rules while driving
• If the driver was under the influence of alcohol/drugs while driving
• If a commercial vehicle was being used for private purpose and vice-versa
• Regular wear and tear of the vehicle due to aging
• Electrical and/or mechanical breakdown

Reliance car insurance FAQs:

1. Is it necessary to inform the insurer if I install a CNG or LPG kit in my car?

Yes, it is vital that you inform the Road Transport Authority (RTA) and the insurer when you install a CNG or LPG kit in your car.

2. Does my geographical location have an effect on my insurance premium?

Yes, your geographical location does have an effect on your insurance premium. The cost of living varies from place to place, so places with a higher cost of living will experience a higher cost of insurance premium compared to the ones that have a lower cost of living. Also, insurance premiums tend to be higher in places that are more prone to mishaps and where the risk factor is high.

3. What is a voluntary deductible?

A voluntary deductible is a part of your insured amount that you agree to pay at the time of the claim settlement.

4. What is the tenure of a Reliance car insurance policy?

The policy tenure of a Reliance car insurance is 12 months.

5. Can I cancel my car insurance anytime?

Yes, you can cancel the car insurance anytime as long as you haven’t raised any claims 30 days prior to the policy cancellation and provided you have availed another insurance policy.