Reliance General Insurance Complaints & Reviews

I went with reliance motor insurance vide policy no [protected] in Dec 2015. Payment of policy premium was made online. Then on 28/01/2016 I have received the recovery letter from Reliance General Insurance regarding the recovery of the NCB amount of Rs.1106 saying that the NCB provided by the previous insurer was 35% and reliance have provided me with 45%. Can I please know where this NCB have been entered by me during registration. Is it my fault? I have read about the NCB calculation on your portal and it clearly states that the NCB is calculated as per the age of the vehicle. And the age of my vehicle is 3 years. So according to this the NCB must be 35%. From where do this 45% came in my policy. I am really disappointed of how the calculation was done online despite I clearly filled the details of my vehicle. Please check the calculation before issuing any policies. I have not faced such issues before for my previous policies. I have not entered any NCB from my side and the calculation has been done online itself. I have written so many emails to reliance regarding the same on their email id rgicl.[protected]@relianceada.com. But i have not received any concrete answer from them and just receive the system generated emails. If reliance is not accepting their fault then please return my money back so that i can go for some other insurer.

I am very disappointed that after doing multiple follow-ups, I have not received any resolution for my claim raised to Reliance General insurance Company for Claim No#[protected] raised on 05-Oct-2015.

They closed the case closed due "Document Pendency".

I already sent all the documents to them and also per the Service Center they have also given all the required document to the surveyor.

It look like very unprofessional behavior and seems like exploiting the customer when they raise the claim.

This collection of documents and approvals are normally done by the surveyor and he already has been given all the documents for the claim and I too submitted that too via Registered Post a

I am including CNBC Pehredar to showcase this matter how Insurance company are exploiting the customers and rejecting their claim on the basis on no reasons and there is no effort from them to call or resolve the matter. Only thing I noticed is they just send registered email for the matter that they are working on it and later close the matter. Its almost 6 months and I am still waiting my claim to be settled out

Anyway, I will also try to raise this issue to IRDA and Consumer court for customer rights.

Ref the claim no [protected] there is information of surveyor name and details

Date of loss :05.02.2016, Date of information:06.02.2016 six days gone there is
no action against the claim

we are very much unhappy with reliance insurance company

Sir,
My car was stolen 05/12/2015 from delhi. I have complet my documentation or file to give reliance company survaire, for reliese my claim amount but your company not give me proper response & not any servaire take my documentation, which servaire appointed by company is not take my phone, if it receive my call not give proper response.
I requisted to you to solve my problem .

Insurance complaint no.[protected], Name. Narender Sharma, My policy no.[protected], vehicle no. HR70A7407, engione no. 2AZ2351187, chassi no.[protected] .

My policy no.[protected] your survey person is more keen interested for bribe rather than solve problem for which customer will pay insurance fee every year, till that time my car work is not start more than 20 days pass on, your surveyor is not doing duty for which company is hired, i have escalate this issue in national media asap in few days, customer will also know about reliance and media will also influence for people donot take reliance policy, kindly find the current status it will shows that how dedicated people will reliance hire.

Claim Reference Number:[protected] Insured Name:MEHAR SINGH Product:Private Car Comprehensive Policy Policy No:[protected] Cover Note:W[protected] Vehicle No.:HR-26-AD-0596 Date of Loss:14/01/2016 Date of intimation:15/01/2016 Garage Name: Cash less:No Claim Status:Claim Documents pending

Respected sir
My policy no. Is [protected] which I renewed on 13th January. I received a message from blue dart courier that my original policy had dispatched. After 2-3 days I received a call from blue dart which was from korutala, Hyderabad.
And I think u have mentioned my address wrong nd my permanent address is 21-B/304 Green View co-operative hsg. Society, Bimbisar Nagar, Opp. Jaicoach. Goregoan East, Mumbai 400065. Maharashtra.
Please dispatch my original policy on d above-mentioned address.

My policy is issue on date of 1st December 2015
But till date it's not show in there system that's why they never take my claim intimation

This is anup waman shinde, vehicle no MH01 NA 4451, clem no [protected], i would like to bring you notice that my vechical n was stolen in 2009 whitch was under hdfc finance and my self submitted Following documents, rc book, police report, to sv jagga, in 2009 and that jaggas porson told me claim amount goes to direct HDFC bank but till date they had not received any claim amount from insurance company. that person asking about 5000 rs for processing. due to that I am enquird to your ghatkopar office. They didnt found document They said your clam was close in 2010 cause of non submitted documents already I have submitted original documents now finance asking me for payment and warrant is issued against me now what to do

Dear sir, Kindly refer to my policy no. [protected] dated 02 nov 15 sent by 507, Rectifier house, naigaum cross oad, wadala (w), mumbai- 400031. Following mistakes observed in the renewal letter as furnished below:- (a) In the name of policy holder instead of prefixing Mr. Amarjit Kumar Rai you have entered M/S Amarjit Kumar Rai which indicates commercial use vehicle, which needs to be corrected. Its my personal bike and is on my name only. (b) In Vehicle registration no.- My motorcycle no. is ML 05 F 8011 but You have quoted ML 05 F 88011, one digit extra in the four digit no., which is to be corrected. One extra 8 has been prefixed. This is my fourth mail on the issue but till date there is no confirmation from ur side. I ranged to the mumbai branches but they are suggesting me to visit the branch which i dont want to do. I submitted my documents at the time of making renewal from reliance gen life. Further I mailed the snap of rc as an attachment also for necessary action as suggested by the customer executive chennai a week back and they assured me that it will be done but still awaited. I requested for a fresh quote with requisite corrections i pointed out as mentioned above. Kindly look into the matter as this is a typing mistake from ur office staff side and idont want to visit ur offices for proving along with rc copy. As such im again sending my rc copy for ur authentication and necessary action. Dont treat this mail as a complain, its my humble request to do the needful without commuting the ur offices. Im a very busy person being serving in Navy and not getting time for it. So, kindly correct the sought particulars in your database and send a fresh quote on my email at the earliest. My contact no. [protected]. Plz find the copy of registration certificate as an attachment. Regards, AK Rai

This is regarding an insurance claim that was submitted on 20th of October (Claim No. [protected] under the Motor Vehicle insurance Policy No. [protected]). We were informed through the attached emails that one Mr Narendra was commissioned by your company to inspect the vehicle. Narendra had inspected the vehicle at the service center and collected necessary documents and information from our end (including the claim form). After this, the service center initiated vehicle repair work, and this has completed. We have been trying to reach Narendra since the last 10 days using the phone number in the email, but he is not responding. After more than 10 days of wait, we reached the Reliance call center. On phone, we got to know that the documents we submitted to Narendra had never reached Reliance general. It’s shocking to hear that after such a long time o[censored]nresponsiveness, Narendra still doesn’t answer calls even when your call center tried to conference him in. This is very frustrating.

Dear Sir

I Request To you I submitted my PF Form In May 2015. I have Not Received my pf amount in my Account. Pl z Look This Matter ASPS.

Name Vikram Singh Dodiya
Emp. No. RGI 06447.
PF No.MH/VASHI/118056/143914
Cont. [protected]

I left my Maruti car bearing Reg no: DL 5 CH 9310 for repair at BIMAL AUTO Mahdev pura Bangalore after I met minor accident on 26/6/2015 M/s. Bimal checked the vehicle and given estimation for Rs. 81168.00 and same had sent to Reliance for approval . Surveyor from Reliance had visited& given approval for Rs. 53, 995/- But money received by Bimal Auto Rs. 36097/- only .Now bimal auto is asking Rs.45071 from me. When I checked with Insurance people they are telling my Insurance is Voluntary Excess policy so they deducted Rs. 15000/- + Rs. 1000 from the total claim, But I am un aware of this policy since no one has explained me while taking the policy. I requested the insurance people to wave off the voluntary excess amount but they are refusing to do so.

Policy Number : [protected] Due date for renewal : 10th Sep 2015 Payment done for renewal : 10th Sep 2015 Mode of payment : Reliance Insurance portal - Online banking Bank : State Bank Of Travancore Transaction ID is either:[protected]IG0AQWZYG4 or just : IG0AQWZYG4 The amount has been debited from my bank account and I have my account statement to prove that there is no reimbursement from Reliance end so far. I was told that there is a grace period up to 24th Sep so I decided to wait for the amount to get reimbursed to repay. A service request was raised meanwhile. Reliance General Insurance then sends me a post to my billing address stating that the transaction has been cancelled and hence I need to make immediate payment to process renewal. How do you expect me to repay when you have not reimbursed the previous transaction? Kindly stop playing around and wasting my time, have your systems checked and rectify this issue at the earliest. Do you expect your customers to use their car without an insurance due to your inefficiency?

Dear Sir, I had taken a Reliance Automatic Investment Plan on 10.09.2008 with a yearly installment of Rs.10, 000/- against Contact/policy No.12556425, client no. 05443876, receipt no. 0310249A for 3 consecutive years. It was to be withdrawn with interest just after 5 years from DOC (i.e. 10.09.2008). Several times I have contacted my Agent Shri Ajay Kumar Mishra of Renukoot branch, Sonebhadra (UP) for redemption of above plan. Till date, there is no response from their end. You are requested to kindly arrange to expedite the matter or the same may be pass on to the concerned section so as to redeem the same at the earliest with a confirmation to the undersigned. Regards A K Banerjee C/No.12556425 DOB - 16/08/1965 Mob No.[protected]/[protected] Email - [protected]@rediffmail.com/[protected]@ntpc.co.in

Dear Sir, My name is Subhash Zavare. Reliance has issue me policy by giving false commitment saying that I will get loan of Rs. 10, 00, 000.00 on Reliance Policy. For this I have to take policy of Rs. 30, 000.00. I am paying this amount but till date they have not given any loan. every year i have to pay premium of Rs. 30, 000.00. My policy number is 50485092. Premium amount ; Rs. 30000.00 I have call recordings for all the conversations with Reliance Executive Please help me . I am can not pay Rs. 30000.00 every year. I want my all money back from Reliance. Regards, Subhash Zavare [protected]

Respected Sir/Madam, My husband Late Bhanwara Ram Godara who served in Central Industrial Security Force and died in a road accident on 06 Nov 2014. Late Bhanwara Ram Godara had a Para Military Salary Package Account with State Bank of India, Paota, B-Road, Jodhpur with A/C No. [protected]. The bank has issued Debit Card No.[protected] and the card was insured with Reliance General Insurance Company Ltd as policy No. [protected]. After the death of Bhanwara Ram Godara, SBI, Paota intimatted the RGICL on 19 Feb 2015 and RGICL raised Claim No [protected], as I was unaware that my husband's card was insurance cover. I had submitted all documents to SBI, Paota branch manager on 25 Mar 2015 and same was deposited to RFICL, Hyderabad by Branch Manager. After contacting several times on 18003009 and e-mails to RGICL they come forward stating that the claim was rejected due to submission after 105 days of the death of Bhanwara Ram Godara. but it is mentioned in para 7 of Annexure-2 to Personal Accident Insurance Death Cover (PAI) guide lines. It is there fore I humbly request you to issue instruction to RGICL to re consideration to restore the claim and settle as per rules of IRDA. Address of the Company:- Reliance General Insurance Company Limited 1-89 / 3/B to 42 / KS / 301 3rd floor, Krishe block, Krishe Sapphire Madhapur Huderabad -500081 Regards,

I have taken a passenger carrying vehicle package insurance policy from M/s Reliance General Insurance Co. Ltd, Bangalore. The validity of the policy is from 7 Nov. 2014 to 6 Nov. 2015. The insured vehicle met with a road accident on 2 December 2014 and has been notified to the insurance company, the documentation in filing the claim with the insurance company has been completed within 3 days from the date of accident. The insurance company has taken cognizance of the claim and has issued the above mentioned claim number. The insured is aggrieved in getting relief from the insurance on the following counts and hence approached this honorable District Consumer Forum for justice and prevail upon the insurance company for unfair trade practices. 1. The insured has written letter dated 19 Dec. 2014 (copy filed with this complaint) to the insurance company giving various options in settling the legitimate claim. The insured has also met the company executive, Mr Vinay, in their office for resolving the issue. But till date there is neither any response to my letter and any solution found. 2. The insured has again written letter dated 15 January 2015 (copy filed with this complaint) urging the company to act on the claim as the accident vehicle was lying unattended for over 45 days. To this letter also the insurance company maintained silence. During these intervening periods, the insured contacted and Mr Satish Acharya, the Claims Manager (Mob. [protected]) and met in their offices on several occasions and sent several SMSs pursuing for an early resolution to the claim settlement either by authorizing repairs or in settling the claim, but there are no responses whatsoever from his side. SMSs sent to the claims manager can be made available to the Forum as evidence whenever required. Since there is no response from the insurance company, I have mentioned in the above letter that in I am going to authorize repairs in a local garage, as the vehicle dealier, M/s Ravindu Toyota has given an exorbitant repair estimate (copy of estimated filed with this complaint) and I am unable to pay depreciation on new parts. I have submitted the repair estimate from M/s HBR Service Point to the insurance company for assessment of loss. The surveyor appointed by the company, Mr M N Manjunath (Mob. [protected]) has taken his own time in attending the claim and submitting his survey report to the company after two months. This has happened in spite of consistent repeated follow-ups from the insured. 3. The insured has complied with all documents that are required to be submitted such as KYC documents, to the insurance company through the appointed surveyor. However, the surveyor on 8 June 2015, after a gap of two months of submitting the documents, writes a letter to the insured asking him to submit the cancelled cheque/bank passbook of the insured, and original bill of the repairer within 7 days failing which he will treat the claim as closed. I have asked the insurance company to provide me under what terms & conditions of the policy the insured need to provide the cancelled cheque/passbook in settling the claim for which the insured has not responded so far. I have also asked under what authority the appointed surveyor writes to the insured threatening that he will close the file (a copy of my letter dated June 12, 2015 addressed to the insurance company dated is attached with this complaint). 4. The local garage has submitted a bill amounting to Rs. 2, 60, 546 considering replacing only damaged parts and reasonable labour. As per the policy conditions, the insured has to pay 40% depreciation on new parts for vehicle of 6 years old and there are no depreciation on all parts made of glass. The repair invoice submitted by the local garage, M/s HBR Service point for labour of 72, 700 and for parts after applying 50% depreciation instead of 40% as per policy schedule amounting to Rs. 1, 87, 846 is fair and reasonable. The insured was willing for a further negotiation with the insurance company and met the company executive, Mr Vinay and Mr Satish Acharya, but I could understand their intention not to arrive at an amicable settlement and drag on this claim. They even try to enter into bizarre arguments. They tried to convince that that will not be paying 100% replacement cost on glass which is against the contract conditions on policy wordings (policy copy highlighting the depreciation clause is attached with this complaint). NOW THE CLAIM Since the insurance company is unwilling for an amicable settlement of the claim, my humble request to this hon’ble forum in giving relief to the aggrieved are as follows : Repair invoice paid by the insured Rs. 2, 60, 546 Compensation for delay* Rs. 7, 16, 000 Cost of filing this suit Rs. 10, 000 TOTAL Rs. 9, 77, 546 *This Hon’ble Forum may also note that the repairs to this kind of damages will take about one month and accordingly, the insurance company should have authorized repairs and ensured that the vehicle is delivered to the insured before 3rd January 2015 i.e. one month from the date of accident. Based on this, the delay is calculated at 179 days. The Toyota Innova will earn Rs. 4, 000 per day as revenue. Accordingly, the compensation is calculated at 179 days @ Rs. 4, 000 per day is 7, 16, 000. This Hon’ble Forum is apprised of the fact that whether the commercial vehicle runs on the road or not, the owner of the vehicle has to incur the costs such as Driver’s salary, Quarterly taxes to the Government, insurance cost, maintenance cost, interest on car loan availed from the bank apart from the EMI itself. It is therefore imaginable that due to the unfair trade practices and harassment of such insurance companies, the insured has to undergo tremendous financial burden and mental agony. It is the humble request of the aggrieved that this Hon’ble Forum may please take note of these findings and give a fair justice to the aggrieved person and send a strong message to the companies such as Reliance General Insurance Companies who violate their own policy terms and conditions. I am sure that this Hon’ble Forum will prevail against such dubious companies and pass a favourable justice to the innocent customers. Thanking you, Yours sincerely, VIJAYAKUMAR V

My Toyota Innova Car (Maxi Cab) met with an accident on 2 Dec 2014. The process of filing the claim with with the insurance company with relevant documents have been completed within 3 days from the date of accident. The insurance company has taken almost 5 months to authorise repairs in spite of my repeated visits to the Insurance Company office and meeting the Claims Manager (Mr Satish Acharya, Mobile No. [protected]) to expedite the process. I had several letters written with acknowledgements obtained from them and umpteen number of SMSs and telephone calls for which I have not received a single reply/response. You can imagine this has happened to me, as I myself is an insurance professional worked in the middle east for almost 15 years in a general insurance company particularly dealing with motor claims. One can guess what kind of treatment a layman customer will get into a situation like this with a company of Reliance General Insurance. Now after the repair work has been completed by a local garage, the insurance company in connivance with the Surveyor (Mr M N Nagaraj, Mob. [protected]) is now asking me to agree for a settlement of the claim for Rs. 1, 34, 321 for the repair invoice of Rs. 2, 60, 000 from the local garage, the dealer, M/s Ravindu Toyota has estimated the loss of Rs. 4, 25, 000. These unscrupulous Surveyor has a dubious distinction of getting kickbacks from the local garages by manipulating the claims. I have won cases against insurance companies from the Consumer Forums in Bangalore in which this Surveyor is involved. When I visited the insurance company couple of days back to find out the status, they are getting into bizarre arguments saying that the assessed loss for glass parts will be paid at 25% of the actual cost whereas the policy terms & conditions clearly says that there are no depreciation on all parts of glass. The company executive even try to argue that the assessed loss for glass. I do not understand where is the question of assessed loss for a glass. I simply asked the question what do you mean by assessed loss for a glass. Does the surveyor mean the glass parts can be repaired/reinstated to its original shape unlike other mechanical/metal parts which can be repaired, if not replaced. The insurance company again is blundering on their arguments that lamps, either head lamps, tail lamps or fog lamps are made of plastic which do not form part of glass. Can any one believe their arguments. As per the dealer's repair estimate, the damaged glass parts itself cost around 72, 000, which is 100% payable, reasonable labour for this kind of damage shall be around 72, 000, other metal parts considered costing Rs. 1, 15, 000, totalling the repair invoice to be Rs. 2, 60, 000 taking into consideration appropriate depreciation as per the policy which states 40% for the insured vehicle is of 5 years old. In fact, the depreciated we have calculated on the damaged parts is 50% as against 40% prescribed in the policy schedule. The insured has suffered huge financial loss the delay in authorising repairs for 5 months and the actual delivery of the repaired vehicle was done after six months from the date of accident. Since the insured vehicle is a commercial cab, it has to earn revenue for the insured to meet its financial commitments like EMI on the car loan, salary to the driver, quarterly taxes to the government, insurance cost, maintenance, etc. On an average the insured car has to earn Rs. 4, 000 per day to meet these financial commitments. Under these conditions, the undue delay caused by the insurance company in arranging repairs to the insured car has resulted in a financial loss of Rs. 6 lakhs (for 5 months delay, i.e. 150 days @ Rs. 4, 000 per day). The surveyor has collected the repair invoice and some relevant KYC documents for settling the claim on 15 April 2015 and has taken two months to submit the same to the insured company, has written a letter to the insured to again submit the above documents within 7 days failing which he will treat the claim as close. How arrogant is he to write such a letter to the insured, since the insured has no direct contract with the surveyor. The insured has written a letter to the General Manager of the insurance company to respond on or before 20 June 2015 with a reasonable settlement, failing which the insured intend to take the matter with the concerned Consumer Forum for justice of his legitimate claim.

Hello, I am Des Raj a car insurance policy holder of Reliance General Insurance .We submitted our claim request on 22 may 2015 and today its 15 June 2015, no action, no response yet we got from office . We are calling customer service again and again but no answer from there and not help ful to us. Please listen and give us our claim

I am unable to login to reliance general insurance portal in order to link my car insurance with Policy No. : [protected] I contacted the support group several times through chat as well as through emails however no resolution. I sent an email to rgicl.[protected]@relianceada.com telling them about my issue and they replied : ________________________________________________________________________________...⇄ Thank you for contacting Reliance General Insurance. Your request will be handled by rgicl.[protected]@relianceada.com and they will respond to your e-mail. ________________________________________________________________________________...⇄ Then I sent the same email to rgicl.[protected]@relianceada.com on 25th May 2015 asking for the solution however did not receive any reply. Then again I asked the following to rgicl.[protected]@relianceada.com: When will I get the reply ? Still waiting, this is ridiculous. This is what customer service you are offering. Do you want me to escalate it to higher level or will you respond ? However still I am waiting for their response and do not know what to do. Please help. Thanks