Insurance is like a spare tyre. You may not require it, but not having one is not an option.

Reliance Car Insurance Claim Process

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Policy Coverage

Customer Service

Claim Experience

Cashless Garages

Overview

Reliance Insurance offers vehicle insurance policies that cover third party liabilities and other risks. You can avail of free roadside assistance which can help you out of minor problems. Reliance has a network of over 2,300 garages where you can avail of cashless services. It offers a unique policy under which customers can retain their no-claim bonus even after a claim. Buy and renew your policy online with multiple choices of add-on coverage.

How to make a Claim?

With a policy from Reliance Insurance, insurance claims process is made as convenient as possible. When you need to file a claim for motor insurance, follow these steps given below.

Claim Process of Reliance Car Insurance

  • Call the Reliance Toll-free Helpline number and register your claim. Intimate the claim within 24 hours of the accident by calling 1800 3009 toll free.
  • Give the representative your policy number or car license plate number.
  • For third party claims, you need to go to the nearest police station and lodge an FIR.
  • You can move your vehicle to an authorized garage under the Reliance network or a workshop of your choice.
  • Submit necessary documents to the surveyor or to the garage:
    • Copy of the driver's license
    • Self-attested copy of the RC book
    • Duly signed claim form to the garage.
  • Reliance will process your claim and confirm liability.
  • You can then opt to avail of cashless service at any of the company-authorised garages. Reliance will settle all bills directly with the garage. You may have to pay the difference in the settlement amount and take the vehicle.
  • If you wish to have your car repaired at an unauthorised garage, you will have to pay the charges and then submit the bills along with a duly-filled claims form to Reliance and get a reimbursement.
  • If the amount exceeds Rs. 20,000, a second inspection of the vehicle will be conducted.

Information Required for Reliance Car Insurance Claim

Details you will need to provide us to file a claim are as follows:

  • Name of 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
  • If the person making the claim in not the insured, you need to provide the contact details and name of the insured person.

Tips for Reliance Car Insurance Claim

  • Don’t leave the car unattended or unlocked at any time after the accident to avoid theft of car parts and accessories. In the event, that anything is stolen due to negligence, Reliance will not honour your claim.
  • Don’t drive the vehicle after an accident as it may cause further damage which will not be covered. If there is leakage of oil or coolant, have the car towed.
  • Don’t start repairs on the vehicle without an inspection conducted by an authorised surveyor of Reliance.

Documents Required for Reliance Car Insurance Claim

The documents required will depend on the incident. Given below is a list of the general documents required to process a claim for motor insurance. However, Reliance Insurance may request more documentation as required by them. To make a claim, you need to provide the following documents:

In case of an accident

  • Duly filled in Claim Forms. The form can be downloaded online. It is also available at the Reliance Insurance Offices or in your policy document.
  • The Policy or Cover Note copy as proof of insurance.
  • Copy of Registration Certificate and Tax Receipt. You will need to present the original for verification purposes.
  • Copy of Driving License of the person driving the vehicle at time of the incident. You will need to present the original for verification purposes.
  • Estimate of repairs
  • Final bill or invoice
  • For cashless service, you need to also submit Claims Discharge Cum Satisfaction Voucher, signed across a Revenue stamp.
  • You can track the status of your claim online.

In case of third party claim

  • Duly filled in Claim Forms. The form can be downloaded online. It is also available at the Reliance Insurance Offices or in your policy document.
  • FIR or Police Panchanama in case of third-party property damage, death or body injury).
  • The Policy or Cover Note copy as proof of insurance.
  • Copy of Registration Certificate and Tax Receipt. You will need to present the original for verification purposes.
  • Copy of Driving License of the person driving the vehicle at time of the incident. You will need to present the original for verification purposes.
  • Estimate of repairs
  • Final bill or invoice
  • You can track the status of your claim online.

In case of theft

  • Duly filled in Claim Forms. The form can be downloaded online. It is also available at the Reliance Insurance Offices or in your policy document.
  • You need to present your Original Certificate or Policy Document
  • Original Registration Certificate and tax payment receipt. You need to get a theft endorsement from the concerned RTO on the RC.
  • FIR or Police Panchanama
  • Final police investigation report or JMFC report
  • Previous Insurance Details:
    • Policy number
    • Insurance Provider
    • Period of insurance
  • Hand over the set of keys, warranty card and service booklets.
  • You need an acknowledged copy of letter address to the RTO intimating the theft of the vehicle and converting the vehicle to “non-use”.
  • You can track the status of your claim online.

On Admission of Liability

Once Reliance has approved your car insurance claim, you will be required to submit additional documents.

  • Duly-signed Form 28, 29 and 30.
  • Form 35 duly signed by the Financier, blank and undated.
  • Subrogation letter.
  • Consent towards the value of the claim settlement agreed by you and the Financier.
  • If the claim is to be settled in insured's favour, an NOC from the Financier is required.
  • Claim Discharge Voucher signed across a Revenue Stamp.

Reliance Motor Insurance Coverage

For your claim to be approved, the accident, theft or incident should be eligible for insurance cover. Reliance Insurance will cover the following under your car insurance policy.

  • Third party liabilities
  • Accident
  • Fire, Self-Ignition and Explosion
  • Lightning, Earthquake, Flood, Cyclone, Inundation
  • Theft
  • Riot, Strikes or Malicious Acts
  • Terrorism
  • Transit by Road, Rail, Air or Elevator

Roadside Assistance

Reliance also offers 24x7 Anywhere Assist features which extends roadside help within a 25 kilometer radius.

  • Emergency fuel assistance
  • Delivering a spare key
  • Towing assistance
  • Minor repair
  • Battery jumpstart
  • Tyre puncture
  • Organising hotel accommodation
  • Organising a taxi
  • Sending outgoing messages

Add ons

With add on covers, you can increase your insurance coverage to protect yourself and your vehicle over and above the regular insurance cover.

  • Non-electrical accessories
  • Electrical or electronic accessories
  • Bi-Fuel Kits which includes LPG or CNG
  • Legal Liability to employees
  • Legal Liability to paid driver, cleaner or conductor
  • Racing and speed tests
  • Dexterity trials
  • Hill climb extensions
  • Consumables such as screws, nuts, bolts, washers, grease, lubricants, AC gas, bearings, clips, distilled water, fuel filter, oil filter, engine oil, and brake oil.
  • Engine cover which includes engine parts, differential parts, gearbox parts.
  • Keys and locks of the vehicle

Exclusions

Under certain circumstances, Reliance Insurance will not provide insurance coverage. The following are the exclusions which will not be covered.

  • Normal wear and tear of the vehicle
  • Electrical or mechanical breakdown
  • Damage or loss incurred while driving without a valid license
  • Damage or loss incurred while driving under the influence of alcohol or drugs
  • Damage or loss caused by depreciation of the car's value
  • Damage or loss caused by war or nuclear risks
  • Vehicle used for purposes other than specified in “limitations of use”, meaning a private car being used for hire.
  • Consequential loss, meaning if the original loss causes more damage or loss, only the first damage will be covered.
  • Compulsory deductibles, which is a fixed amount that will be deducted at the time of claim.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

Claim Reviews

Page 1 of 8 1 2 3 4 5
  • Reliance General Car Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    For my old policy I paid the amount of Rs.8000 it was comprehensive plan from front to back bumper was covered, I have chevrlot drive suv. The process was easy and I got the insurance paper from the company on time. I used to make the payment through online.
    Was this review helpful? 0
    , chennai
    Reviewed on Feb 22, 2019
  • Reliance General Car Insurance
    "GOOD POLICY"
    0.5 4.0/5 "Great!"
    I have taken the car insurance policy with the RELIANCE GENERAL INSURANCE where the premium is nominal when compared to the others also the IDV value is good with this policy. They have provided the policy coverage of bumper to bumper with this policy.
    Was this review helpful? 0
    , namakkal
    Reviewed on Feb 12, 2019
  • Reliance General Car Insurance
    "GOOD POLICY"
    0.5 4.0/5 "Great!"
    RELIANCE GENERAL INSURANCE is the insurance provider where i am using since from last few years where i have no claim experience with this insurance policy. The policy coverage is for bumper to bumper with this insurance policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Feb 03, 2019
  • Reliance General Car Insurance
    "AVERAGE"
    0.5 3.5/5 "Pretty good"
    I have taken the car insurance policy with the RELIANCE GENERAL INSURANCE since from last four years where the premium is satisfactory added on that the IDV value is nominal when compared to the others also the policy coverage they have given is bumper to bumper for this insurance.
    Was this review helpful? 0
    , mumbai
    Reviewed on Feb 02, 2019
  • Reliance General Car Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy a while back and the services of them was quite good so far. The premium amount has not been too high and the payment method has not been too high. I had not made any claims so far and there has not been any hassle faced with their services so far.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 26, 2019
  • Reliance General Car Insurance
    "Quick process"
    0.5 5.0/5 "Blown Away!"
    I faced a claim with Reliance, my car left light was broken then I went to the service center. They done all the repair they claimed the money from my Reliance car policy. The insurance company got tie up many service center, however I took for first party cover.
    Was this review helpful? 0
    , chandigarh
    Reviewed on Jan 25, 2019
  • Reliance General Car Insurance
    "Its Excellent"
    0.5 4.0/5 "Great!"
    My brother is working with Reliance hence I took my two wheeler policy from this insurance company. I have hyundai accent car, they are providing cash less garages for the damage. I have zero depreciation bumper to bumper policy for the term of one year.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 07, 2019
  • Reliance General Car Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance policy was taken with reliance. The dealer has provided me a policy with this policy. This is a 100% coverage value which covers the bumper to bumper facility, They have given me a IDV value of Rs. 11 lakhs. I pay the premium amount of RS. 33000.
    Was this review helpful? 0
    , thane
    Reviewed on Jan 04, 2019
  • Reliance General Car Insurance
    "GOOD"
    0.5 5.0/5 "Blown Away!"
    RELIANCE GENERAL INSURANCE is the insurer where i have taken my car insurance and the premium i paid which is nominal added on that the IDV value is also sufficient with this policy. The policy coverage is for bumper to bumper for this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 07, 2018
  • Reliance General Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a car insurance with Reliance general insurance from last 1 year, a premium of Rs 24795 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
    Was this review helpful? 1
    , bangalore
    Reviewed on Nov 16, 2018
  • Reliance General Car Insurance
    "Excellent"
    0.5 4.0/5 "Great!"
    When I purchased a car, the showroom has offered me a car insurance with Reliance. I have paid 12,000 rupees for this policy. The customer support is excellent. The claim experience is excellent and have applied for accidental claim, It was approved within few more days, zero depreciation was provided, All items been replaced of the car.The policy coverage is good, bumper to bumper offer is available. Every year am renewing my insurance only with RELIANCE.
    Was this review helpful? 0
    , new delhi
    Reviewed on Nov 03, 2018
  • Reliance General Car Insurance
    "good service"
    0.5 4.0/5 "Great!"
    I have been taken my car insurance with Reliance general insurance for long time , a premium they charge is 11 thousand rupees for this insurance policy.i am happy with the coverage value of this insurance policy.i good benefits from this insurance.
    Was this review helpful? 2
    , new delhi
    Reviewed on Oct 03, 2018
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I have taken a car insurance with Reliance general insurance for 1 year, a premium of Rs 7600 has to be paid for this insurance policy. I am happy with the coverage value of this insurance policy. This policy has a basic coverage and i am satisfied with it.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Sep 12, 2018
  • Reliance General Car Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    My car insurance is with Reliance general for 1 year and it is a good insurance policy to use. I pay a premium of Rs 25000 for this insurance policy and it has full coverage. I am satisfied with the terms and conditions explained by the customer service of this insurance.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Sep 12, 2018
  • Reliance General Car Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    My car insurance is with Reliance from last 7 years and it is a good policy to use. A premium of Rs 4000 has to be paid for this insurance policy every year. I have no claim experience so far with this insurance policy and the cover bumper to bumper damages.
    Was this review helpful? 2
    , new delhi
    Reviewed on Aug 17, 2018
  • Reliance General Car Insurance
    "Good overall"
    0.5 4.0/5 "Great!"
    My car insurance policy is with Reliance General Insurance. The customer services and response is good and there are no issues in the process. They have offered me a good policy coverage. Since I have not had a claim yet, I am not sure on the benefits.
    Was this review helpful? 1
    , kolkata
    Reviewed on Aug 16, 2018
  • Reliance General Car Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I've a car isnurance policy with the Reliance General Insurance Company . I pay a premium of 10000 Per year . The IDV value is fair. I do not have any claim experience with the policy and they offers cashless garage facility as a part of this policy.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jun 11, 2018
  • Reliance General Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    From RELIANCE GENERAL INSURANCE i have taken a car insurance and the premium was around 4000 annually. I have to renew the insurance policy every year. It comes with an accidental coverage and the passenger coverage and no claim for my car.
    Was this review helpful? 0
    , mumbai
    Reviewed on May 29, 2018
  • Reliance General Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am holding my car insurance from the RELAINCE and so far i am having no claim experience. I have been using the insurance from more than 3 years and above. Customer service is very good and they give a very good response. I got my insurance from paperless approval or not i have no idea.
    Was this review helpful? 0
    , bangalore
    Reviewed on May 20, 2018
  • Reliance General Car Insurance
    "Reliance car insurance"
    0.5 4.5/5 "Excellent!"
    From RELIANCE GENERAL INSURANCE i have taken a car insurance 19000 were the premium of 27000 for a coverage of 1 year.The policy benefits include bumber to bumber, cashless garage, road assistance and accidental coverage to the passengers as well. I have to renew the policy every year.
    Was this review helpful? 1
    , patna
    Reviewed on May 15, 2018
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