Reliance General Insurance Complaints & Reviews

THIS IS IN THE REFERENCE TO THE POLICY NO. [protected] IN THE NAME OF AMAN MALHOTRA AGAINST VEHICLE NUMBER DL7CF4686.

ON 30/APRIL/2010 I TAKE A ACCIDENTAL CLAIM FROM RING ROAD HONDA BUR TILL DATE I DIDNT RECEIVED ANY CLAIM AMOUNT WHICH WILL BE SETTLED BETWEEN
RELIANCE AND ME.

AFTER MAKING A LOT OF EFFORTS I AM ABLE TO TALK WITH MR, VED PRAKASH TRIPATHI HE SIAD HE HAVENT RECEIVED ANY DOCUMENTS I AGAIN SUBMITTED THE DOCUMENTS AFTER COMMITED A MONTH BEFORE THAT HE RECEIVED THE DOUCUMENTS AND YOUR CHEQUE WILL BE READY IN ONE WEAK NOW AFTER ONE MONTH HE AGAIN SAID I DIDNT RECEIVED YOUR DOCUMENTS IF HE DIDNT RECEIVED MY DOCUMENTS THAT THERE IS NO RESPONSIBILITY FROM YOUR SIDE
TO ATLEAST LET ME KNOW WHAT IS THE PROBLEM.

ON 22/JULY/2010 I LODGE COMPLAINT BUT TILL DATE THERE IS NO RESPONSE FROM YOUR SIDE WHAT I FEEL THAT YOU HAVE WORST STAFF AND SERVICE IN THIS PLANET BECOZ YOUR PEOPLE DOSENT AFRAID OF IRDA OR ANY COURT THEY SAID SIR ITNE CASE CHAL RAHE HAI EK AUR SAHI NOW AFTER FED UP I AM LODGING A COMPLAINT IN IRDA AS WELL AS IN INSURANCE OMBUDSMAN

YOU LOOSE YOUR COUSTOMER BECOZ NOW EARLIER MY BOTH VEHICLES ARE INSURED WITH RELIANCE GENERAL INSURANCE NOW I CHANGE THE COMPANY REASON WORST SERVICES.

POLICY NO. [protected]
CLAIM NO. [protected] (30/APRIL/2010)
COMPLAINT NO. 1335956 (22/JULY/2010)

FROM, AMAN MALHOTRA

My sefl Mr. Nayanjyoti Kalita my mother Mrs. Bina Kalita has been purchased a two wheeler on 2007 model- Discover-135 vide registration no- AS01/AF6642 and my vehicle has been theft on 20th Oct'2008 and I have already submitted all document as per instruction by insurance company at Guwahati office but still I am not getting any claim after submitting all required documents and neither I am getting any information from their end. Last month I have visted several times at guwahati office and meet Mr. Sovik Hore he told me that the case is close and will be reopen again, he kept my phone no. and asked me to will let you know later, but till today I am not getting any call, again today my financer has visited at their guwahati office, same thing had happned again Mr.Sovik Hore repeat the same word and I am surperising if for one claim they have taken 1-2 yrs then what will be the future of other customer cliam, I have also contact their customer care they have always given their kolkatta office number- [protected] contact person name -Mr.Sanjay Kumar Singh, but they are also not giving me any proper solution. So please help, my Cliam No-[protected], complian case ID[protected], Company Name- Reliance General Insurance Co.Ltd.

I bought Travel Insurance for my family online from Reliance General Insurance on Sep 24. My credit card was charged and a policy number was issued to me. But, when I wanted to view and print my policy for my travel, I could not access the policy online.

I called Reliance on Sep 25. The Service rep, after collecting all the basic info (which was already there in the system) asked me to send an email to their "services" department so that they can email me the policy doc. She assured me, "you will definitely get a response". As I did not get any response for 2 days, I called them again on Sep 27. This time, I got a complaint number and the response, "you will get an email with policy in the next 24 hours".

I called up on Sep 28 as I did not have any emails. I was told, it was not 24 hours yet and I needed to wait for a few more hours. I called up again, after making sure it was 24 hours since my complaint. The rep said, "You will get an email as soon as possible". I was very frustrated with this and asked for his supervisor's name and phone. He said, "Sorry, we cannot give that info out". So, here I am spending my time chasing a policy doc, which should have been mailed out to me routinely. On top of this inefficiency, there is no way to escalate the poor quality of service to anyone!! This, in my mind, is border-line fraud.

Beware of "instant online travel insurance policy" from Reliance General Insurance.

Hi

My car met with accident & burnt totally.
The estimation is way beyond the IDV/ Sum assured.
IDV/Sum Assured for current period is 3.25

As per reliance policy if estimate goes beyond the IDV then I am eligible to claim total Sum assured without any depreciation.
But Surveyor is asking for 15% depreciation & saying I can't get more than this.

I mailed customer care & called them as well.
But no response.
I do not know who I should reach to.
Please advice what to do now.

Regards
Hitesh Sharma
email id: [protected]@rediffmail.com

Sir , My name is Gurdeep Singh r/o 2015/A Sector 37-C Chandigarh !60036.I had a car insured from ur company for the lst three to four years.that is FIAT UNO make Model 2003.Now the car met with an accident on 28th of august 2010 and i registered a complaint on the very same day and the complaint no .is [protected] . Then the company sent to me surveyor named ajay verma he refused to take the case as itr goes beyond his power,then the company sent another surveyor Mr P.K.BANSAL(306134).He started making bargaining with us that he will provide me the material for the repair of car from auto scrap dealers and then get ready fro a deal that he will give me 90000.00 and will take the car in his custody. I filed a complaint against him on your online toll free no and the complaint no against mr bansal is "1434246" Then company sent me another surveyor Mr amarjit singh arora he comes and narrate the same story to get the vehicle repaired which is not in repairable condition but ur company keep on insisting me to get that repair and they say this vehicle is not in manafacturing any more so the company will give me only 70000.00 as repair charges.Now if anyone is listning to these complaints plz tell me what should i do.........My car model 2003 insured value is 1,50,000.00 and the loss is exceeding more then 2 lacs.And those surveyors keep on saying that i got a fake insurance with high value.Now if it is wrong then where was the company when they take the fees from me against that secondly, if the person doing insurance on behalf of the company is fool then to me the whole channel of managers sitting on him are bloody fools who pass this case and sent me the policy............Kindly help this to sort out my case.....................Gurdeep Singh Dhiman +[protected]

My query is for a Reliance General Insurance agent/person. Are there any charges for an agent to visit the client, and also to physically inspect a vehicle before giving an insurance? The agent who came to renew my car insurance asked me to give a check of Rs 1500 ON HIS NAME for a third party insurance saying that Rs 1500 is the standard premium amount for a third party insurance. Later on he told me that his visiting charges are Rs 200, and inspection of a vehicle charges are Rs 200 too.
I find that hard to believe, as I have never been asked for such charges before by any other insurance company prior to this incident.

My self Ashok Tanwar.I am working as an engineer in a automobile company.I have a swift lxi car insured from Relaince Insurance.It got damaged on 11.09.2010 and surveyed on 13.09.2010 .on same day i called the surveyor thattime he says"i have some doubts in my mind I will call you tomorrow"I again called to same person after 04 days that time he says"Please arrange 03 thousand repees as soon as possible' So how the people justify this type of behaviour.Lots of people doing this type of practice .So please resolve this issue as soon as possible otherwise i will take take the help of consumer courts.Please do needful
Mobile No [protected]
Veh, No. HR26AH0930

SUB : ISSUE OF "NO - CLAIM CERTIFICATE" - reG.
REF : MY LETTER Dt.[protected] rEMINDER - i dT.[protected]
POLICY No. [protected] Dt.10.02.2007
****
WITH REFERENCE TO MY LETTERS 1st CITED, I, SINCERELY REQUEST YOU TO KINDLY LOOK INTO THE MATTER PERSONALLY AND PLEASE SUBMIT "NO CLAIM CERTIFICATE" IMMEIDATELY TO GET MY "SAFETY BONUS ON MAINTAIANING ABSOL;UTE SAFETY RECORD" FROM M/s. ROAD SAFETY CLUB (P) LTD., CHENNAI.

BEST REGARDS,

ALLAM CHANDRASEKHAR

MY ADDRESS
A.CHANDRASEKHAR,
D.No. 39-18-94,
C/o S.CHANDRAMOULI,
MADHAVADHARA,
VISAKAPATNAM - 530 007
ANDHRA PRADESH

Sir,

I have taken a renewal policy from Reliance General Company through their agent M/s B.S.Enterprises on 15.08.10 and made the necessary payment by cheque vide their receipt number 214 dt. 15.08.10. but regret to inform that till date neither have I received the policy not the cover note. I have spoken to Mr. Sridhar,Ms. Nikita & Ms. Sneha but of no use and also sent a mial in this regard. As of now they are avoiding the calls made to them. Hence I request the higher authorities to look into the matter and take necessary action against your agent M/s. B.S.Enterprises - plot no. 177, Vasavi Nagar, Kharkhana, Secunderabad. email bsenterprises.[protected]@yahoo.co.in.

Thanking You,
Yours faithfully,
For Elma Associates

H.V.Mehta

Dear Sir,

Ref to our policy no: [protected], many time we have contacted at office of Medi Assist TPA Ltd from march 2010 . after one month i have talk to costomer care of medi assist TPA LTD , i got surprised that my file was not proceeds due to incomplete documentation . secondly i have submited all needable papers to their office.

I have submited all the document's thrice .

We had submited original documents as per suggestions to Medi assist TPA Ltd, Delhi.
The claim request is containing following documents:-
1. Original bill
2. Original test report's.
3. TPA Card issued by Medi Assist
9. Original Bills and receipts against expenses in hospital's investigations and medicines
Still there is no information from Medi Assist TPA Ltd, Delhi
Please help us

Best regards
Manohar Kanwar
[protected]

Dear Sir/Madam,
I got my car insured from Reliance.My car got damaged on 12/06/2010.I have submitted complain for the same and their representative approved repairing of the same and dues will be paid to me but after submission of all the documents nothing has benn done.I complaint in customer care but they say survey report is not submmitted from Reliance surveyer and when I tal to concerned surveyer hw say He has deposited all the documents.Now It is reliance responsibility to pay the ammount.
Now I am helpless as I am not getting any support from Reliance.I am attaching current status of the same.Kindly help me out as amount involved is about Rs.80000/.

Claim Reference No. [protected]
Product PRIVATE CAR COMPREHENSIVE POLICY
Insured Name MR - PARDEEP SINGH
Vehicle No. UP-32-CE-3565
Policy Number [protected]
Cover Note Number [protected]
Date of Intimation 14/06/2010
Date of Loss 12/06/2010
Garage Name MAGIC AUTO
Cash Less No
Claim Status 20%
Claim Document Pending

Common Status Claim Documents pending
Precentage 20
LOB Motor


For further queries, kindly mail us on Services.[protected]@relianceada.com or Call our Customer Service No[protected]call charges apply)

I Sri Ashes Mukherjee & Family joined in Healthwise –Gold scheme of Reliance General Insurance Company on 12.10.2007 with first premium Rs 4773 for 2 years (policy No.[protected] and paid 1st renewal premium Rs 2451 for 1 year in 12.10.2009 (policy no. [protected]). Now, I received a Renewal Notice dated 05.07.2010 stated 2nd renewal premium Rs.11315 for 1 year with increasing rate of 461.5%, on the ground of “an upswing in the illness and the inflationary trend in medical costs”.
RGIL are fixing Rs.11315 premium (34 years - Primary Holder) for 2 Lakhs Sum Assured, ie Occurrence and Sample Ratio is 1 : 17.68 means out of 18 (17.68) policyholders 1 policy holder will make claim, does it really possible in this age group ? I don’t know, which Actuarial Statistic’s calculation approved thatr premium rate.
The provision of this type o[censored]nethical premium increment (461.5%) should be granted by Insurance Act and also approved by regulatory authorities like IRDA / SEBI.
Not only RGIL the other Regulatory Authorities like IRDA / SEBI must look into the matter & reconsider their approvals because as a developing country like INDIA where GOVT. OF INDIA put more emphasis on Health Insurance. But, till today this type o[censored]nethical, cheating, customer harassments are also going on regular basis and our GOVT have no control over the situation.

CAR Insurance policy no.[protected] cover note no.[protected] dtd09.09.2009

Surprized to know Today when i contacted Reliance rep for RENEWAL of policy[protected]at C.P. informed me that Issued cheque dated 16.09.2009 for Rs 4800 was bounced .

Till date i do not have any information from M/S Reliance General Insurance that cheque was bonced and policy is broken.I believed Reliance but my car is at RISK since than.

M/S RELIANCE could have reproduced cheque to same bank or asked me for cash payments.I would have paid cash without delay.

M/S RELIANCE neither reproduced cheque ( as it is of my salary account could have been cleared payments ,cheque issued is valid for six months). CAR Insurance RENWAL requested without break additional charges with immdiate effect.I will pay cash todayR.C.KHURANA([protected])

I have an Insurance of my Mercedes Benz from Reliance General Insurance Co. Ltd. for an insured amount of Rs. 7,50,000/- approx. Unfortunately my car met with an accident at Sohna Road, Gurgaon. The car got badly damaged from the Rear right passenger side. I called up the customer care of RGI and asked to appoint a surveyor. They appoint a surveyor Mr. Sanjeev Kumar but he refused to go to Gurgaon for inspection. He said he looks only after Okhla. We again called up the customer care to appoint a surveyor for Gurgaon. They kept me waiting for 5 days but no surveyor was appointed for me. Then I took my car to TNT Motors at Okhla. Again, after three days of repeated telephonic requests for a surveyor, Mr. M.K. Aggrawal was appointed.

TNT Motors gave their estimate of Rs 2,74,000/-. We then asked Mr. M.K. Aggrawal to give his approval. After four days of Repeated telephonic calls, he gave his approval. For my utter surprise, he gave his approval only for Rs. 44,000/- which is not a justifying amount at all. On asking him why he is giving approval for such a small amount, he said that he can approve for this much only. Also, he said that the charges of parts and labour are very high at TNT Motors.

I wrote a letter to Mr. Ambani but no action is being taken yet. My car is still lying at TNT Motors and due to climatic conditions it is getting rusted. I am suffering a lot because of the unprofessional attitude and negligence of their employees.

This is the way of working of such a big and esteemed MNC i.e. Reliance General Insurance Co. Ltd.


Neeraj Saraf

Dear Sir/Madam,

This is my 2nd reminder to you, i had posted my complaint yesterday morning but no action has been taken yet. The problem was:-

It is to inform you that I had purchased Hyundai i10 Era on 27th of January 2010 and that time Reliance Insurance agent convinced me for General Insurance. It was cashless and now the problem is, My car got accident, when it was parking in front of our residence on 29th-August-2010. Yesterday, I went at Hyundai Show room and ask to repair the said car. But the person was seating there, Mr. Kuldeep (Insurance Executive) Mob:[protected] said the reliance company has now ended cashless facility. But, when I purchased the said policy on 27th-January-2010, that time it was cashless, how a company can do this. When the company, make any amendment in the rules and regulations then it is effected from the current date, not for the previous customers. Mr.Kuldeep then given me, the number of Mr. Ajay Sharma (Perhaps the SM of Hisar) Mob:[protected], the way he talked to me was strange as I made a crime. I was shocked, even he was not listening to me. Now please take a stern step, so that the company should know, How to treat with the customers?

The details are as follows:-

Vehicle Name:- i10-Era (Hyundai, Hisar)
Name of Insured :- Ms. Tanu Babbar
Insurance Company-Reliance General Insurance
Agency Code-563806
Policy/Certificate no- [protected]
Cover Note No:[protected]
Period of Insurance:-27 Jan 2010, 05:44 to midnight on 26 Jan 2011
Location-Hisar(Haryana)
Vehicle Registration No.:- HR12N-4334
Chassis No:- MALAM51BLAM531851*A
Engine No:- G4HG9M948154


From:-
Mandeep
1378, Sector 13- Hisar
[protected]

Sir,

My claim no is :4839263. My MAID no is :[protected] and My Policy no is :[protected] .I applied for reimbursement claim in the month of March 2010 with all requisite document in Medi assist branch in banglore. There was no action on it till 23.07.10 but I got the reply as it is under process. At last on 26.07.10 when enquired in Mediassist Hyderabad branch they said now the case is under final opinion and it may take 10 to 15 days for its finalistion. But on 17.08.10 Dr. Mustafa of Banglore called me that his representative will meet me and try to cooperte. On 19.08.10 Dr. Harsha working in Appolo met me and took the relevant information from me as part of final opinion. On 30.08.10 I called Dr. Mustafa and asked him about my claim, he replied that they sent to relevant department for necessary action and any thin pertaining to claim will come to e-mail directly. So, when can I expect my claim?
Srinivas

This is just to WARN people how Reliance General Insurance acts in case of Claims.I bought a Travel Insurance for self and wife in May 2010.Our baggage was delayed by Airlines and was delivered after more than 36 hours.The Policy document stated $100 in case Baggage is delayed for more 12 hours.Now some points which People should be made aware of:
1.Reliance has outsourced Claims to Third Party like the Medical Insurance which provides excuse to both to make you shuttle between the two.The two make you go between them.
2.Reliance reply to any complaint is the stereo-typed automated reply irrespective of what you write.
3.There is no information on tel no/email of any official on their website(at least I could not find it).There is a Customer Care # but it will ask you to contact TPA.
4.The Policy was purchased directly from Reliance and they send just the one page Policy Document.In small print it says that it is governed by Terms, Conditions and Exclusions .These are NOT SENT along with Policy Document but Claims are subject to those Terms and Conditions which have different meaning than what someone will understand from the Policy Document.This is the SHOCKER that you will get.
5.In this case the TPA linked the Claim to Emergency Purchases which is not stated on the Policy Document but only as part of Terms,Conditions and Exclusions.HERE LIES THE CATCH.Supposing you do not make any Emergency Purchase then you ARE NOT ENTITLED to any Claim as the Company defends itself by saying that you are INDEMNIFIED AGAINST ANY EXPENSES SUBJECT TO LIMIT BUT NOT ENTITLED TO ANY AMOUNT PER SE AS STATED ON THE DOCUMENT EVEN IF THAT IS NOT MENTIONED ON THE POLICY DOCUMENT.
6.The TPA excuse is that because you CHECKED A BOX stating that you have read the Terms and Conditions you cannot claim ignorance of those Terms,Conditions and Exclusions even if they are NOT SENT to you.Just for information of all it was sent to me after the dispute started and it is a 11 Page Document.

I write all this in detail so that Purchaser’s of any Policy know how they can be deprived of any Claim legitimately and can scratch your head.One last thing-when you buy Family Policy which covers all Family Member’s mentioned on the Policy the amount mentioned under each Head is TOTAL AND DOES NOT APPLY INDIVIDUALLY AS ONE WOULD BE LEAD TO BELIEVE.For individual coverage buy separate Policy and PAY ACCORDINGLY.So there is NO BENEFIT in buying Family Plan.

Mr. vaga jiva varchand
GJ12 AE 3438
141, bhaveshvar nagar-1 , near bileshver nagar,
Word 12 , anjar ,kutch ,
Gujarat ,370110.
Date : - 25/08/2010
The
Manager
Reliance general insurance co. ltd.
Head office
19, valchand hirachand marg ,
Malad estate,
Mumbai-400001

Sub ;- claim no.-[protected] against policy no-[protected]

Sir

Response to above subject our car was accident earlier, and we was claim to company at ahmedabad branch .

We was intimate for accident to company after 31 days of accident because that days we was busy to some of legal matter with local police station and court related to this accident , and after approximately one month we was completed all the formality for court and police station and than immediately we was intimate our claim to company , and we are not know any time limit for intimation , here is only and only above reason for delayed intimation , and also we are provide police FIR , and also our lose is same as per police panchnama which is carryout on same day of accident , and after one day we was replaced our car to repairing workshop .

Also your local office said that we are try to positive but at list 10 % to 15 % was deducted from your claim amount and now days they all are says we are cant do any things , you will try to H.O. at Mumbai, so I am request you for claim settlement .if you are not able to settle the claim than than I have only one way to justices, I will go to OMBUSMAN

Encl,
[1] police panchnama copy
[2] claim form
[3] claim repudiation latter from local office

Thanking you ,

Yours faith fully

Vaga jiva varchand

Hi All,
This is a warning to all Vehicle owners:

Please don't buy any type of Reliance General Insurance which is known for cheating/malign people of india. While taking my Motor Insurance, one of my friend (now enemy, just now I came to know that to he get commision when he recommeds) recommended to take reliance insurance but I am suffering a lot as I am not able to get my claim now.
Whenever I contact customer care, they keep on telling same answer "claim is being processed" and when I threatened them that I am going to take action via IRDA, they cooly said "Please go ahead, we will face it as lots of legal issue pending against us". What a rediculus answer it is. Instead of taking this insurance, we can die in accident itself as we cannot die slowly trying to get the claim.

When I searched internet I have seen lots complaints about reliance. Hmm...annoying....My comment is whenever you buy insurance next time Please see the review in internet or google it for "Best Motor Insurance in india" or "Best Insurance" or "Best General Insurance" or "Best Vehicle Insurance" or "Best Car Insurance" or "Best Two-wheeler Insurance" or "Best Two wheeler Insurance" or "Best Medical Insurance" or "Best Health Insurance".

What I learnt and the Moral is "Reliance=Cheating,malign whatever bad word u use".

Not only Insurance...whatever the reliance product...I am not telling this not to create bad name for Reliance but my experience...I am not recommending any product also, it's up to you whether you want to buy a bad experience or good one".

Thanks,
Yuvi

Respected Sir,
I am a policy holder of Reliance General Insurance. My Policy No. is [protected] which is a Family Health Insurance Gold Plan policy. This policy is due for renewal on on[protected].
Sir, I would like to draw your kind attention that in the present year, I paid Insurance premium of Rs.3728/- for the Sum Insured of Rs.300,000/- for the family (Husband+Wife+ 1 Child). SURPRISINGLY, when I received the policy renewal notice I got shocked as the premium amount of Rupees 3728/- was increased to Rs.14,319/- for the same policy of Rs.300,000/-. The reason of such a massive increase in health policy is given by the company as "UPSWING IN THE ILLNESS & THE INFLATIONARY TREND IN MEDICAL COSTS".
Sir, I feel the reason Insurance Company has given to increase in the policy premium amount by nearly 400% is totally unjustified & cannot prove increase in medicines cost by nearly 400%.
I therefore request Honourable Consumer Forum to take corrective action to safeguard interest of the common people & Direct the insurance companies not to increase premiums as stated in this case.

Thanking you
yours faithfully
Sameer Ingle