Insurance is like a spare tyre. You may not require it, but not having one is not an option.
  • Reliance Car Insurance Claim Process

    Reliance Car Insurance

    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.
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