Reliance General Insurance Complaints & Reviews

Dear Sir / Madam,

This is in reference to my subject policy no. that i had taken for my Honda City-ZXI car last year from Reliance General insurance Co. and paid the applicable premiun. Recently I received a letter dt. 05.07.10 on 25.07.10 (delivered through speed post on 22.07.10) from their office that is located in sector-18 Noida, stating therein that I have given an undertaking / declaration vide letter dt. 09.03.10 whereby i have declared that no claim has arisen in the expiring policy (ICICI Lombard, policy no. 3001/55118619/00/000) and hence on the basis of that they had offered me 20% discount on the existing policy.

However, it is pertinent to mention that i have not given any such declaration as alleged by them and the claim asserted by them in the aforesaid letter dt.05.7.10 is false and fictitious in order to malafidely cancel my policy. If they reject my policy on this wrongful and illegal basis then they should be asked to pay me back on prorata basis the premiun amount of policy. This act of theirs is untenable and unlawful. Infact, they have not even stated in their letter any applicable law or regulation under which they are entitled to cancel my policy,which they ideally should have.

Importantly, the letter was written on 05.07.10, posted on 22.07.10 and received on 25.07.10. In the letter they mentioned that in order to reinstate the policy under section 1 of the said policy, i had to send them a cheque of Rs. 2489 within15 days from the date of issuance of the letter i.e. 5.7.10. Since the letter was posted by them on 22.7.10 and received by me on 25.07.10, therefore, the time factor to renew, to even negotiate or communicate to them concerning the cancellation of policy lapsed automatically by virtue of late disposal of letter by them i.e. 22.7.10. This is totally unjustified and it clears out that they had all the wrongful intentions to cancel my policy and deny any future claims. Even at the time of taking the policy from them, i had not declared any false statements. If that is the case then they should bring out and show the true picture.'

My humble request is to seek your indulgence in the matter and direct them not to cancel my policy illegally which is contrary to law and regulations of IRDA.


Regards,

Mohd. Shoiab

Please see the email we sent to companies email ID.



________________________________________
From: Preetam (WELPRO) [mailto:[protected]@welproexports.com]
Sent: Tuesday, July 20, 2010 2:11 PM
To: 'Services.[protected]@relianceada.com'
Subject: RE: urgen attention required

I think no body is now interested in customer after sale of the policy. Is there anybody to reply to this email or we should think you just take money and forget service.

Regards
Vikas Baid

________________________________________
From: Preetam (WELPRO) [mailto:[protected]@welproexports.com]
Sent: Friday, July 16, 2010 3:22 PM
To: 'Services.[protected]@relianceada.com'
Subject: urgen attention required

Dear who ever is receiving this email.
Please find attached 2 pictures. One is the surveyor’s confirmation on articles approved by him for repairing of my car. My car is ready at service station from last 10 days. The DO received by the service station is less that what the surveyor had approved. Now what to do? Why and how can I pay for the accidental approved parts from my pocket.
Most disgusting after this is that Ms. Neha Saini at okhla Office is totally irresponsible character. Trust me I will spread the service I have received from reliance in my best way. I call her 10 times a day ask her to reply to my email. She says she will see and then reply. Then I send her picture as attachjed above to reply. She says she forgot to check even after my several reminder. After 2 day chase up she says she did not received my email. I send her my email id and ask her to send me a test mail. Which she again fails to send. On next day she says she missed it. She has taken me for guaranteed. I on next day remind her to send me a test mail and today I got her test mail. I sent her the details once again and now till time, she have not replied to us. She earlier said, that if she finds she can totally cancel the payment / DO, even after the surveyors report. I think she is sitting there without knowing that we are also investors to this BIG company. I am feeling like going to consumer court and suing Mr Ambani for the harassment, they have done to me. I am going to office every day now by taxi paying RS 800 per day.

If there is any body responsible, can they reply to my querry hat why should I pay more.

With Best Regards,
Vikas Baid
Lajpat nagar
New Delhi-24

Dear Sir/Madam,
I m Sanjay Kumar from Jaipur. I applied for two wheeler insurance policy to Reliance General Insurance Agent at Vishal Mega Mart M.I. Road, Jaipur office in July 2009 and deposited Rs. 1015/-. Cover Note no. is[protected] But till date my money is not deposited by the Agent and have not received my policy also. I have complaint to Reliance General Insurance Office and Area Manager Mrs. Anju but they didn't give me a satisfactory answer. By end of this month one year is going to complete and my Two wheeler policy is not Genereted till now. Without policy i have got (paid) challan many times by traffice police. I am mentally disturbed because of this third class service by Reliance General Insurance. Please do in my favour ASAP.

I have a Family Health Insurance Policy with Reliance Genaral Insurance for the last 3 years. This year they have raised the premium from less Rs.3000/- last year to Rs.13770/- this year. They say this is done due to various reasons like Inflation,Medical cost ,claims.and with all the provisions under Insurance Regulatory Rules and Regulations.
I would like to know whether the Insurance Regulatory Board really approves to such increase
Ashok Shetty

My santro car which is insured with Reliance General Insurance under policy no-[protected] caught fire on 1st may 2010 around 10 P.M.
I parked my car outside my flat and After some time we heard people noise and when we checked outside from our balcony our car was burning from inside and suddenly driver side window exploded and which resulted complete car on fire.
Our neighbors and we informed police but till that time complete car got burnt.

I launched my claim on 2nd may 2010 with claim number [protected] around 1.10 P.M and was told that spot surveyor will visit my home for inspection in 5 hours.

After that i am continuously following with Reliance call center and every time i have been told that someone will visit in next 5 hours.
I launched my claim on 2nd may and next Day after repeated reminders to Call center Surveyor was assigned to my claim I had submitted all documents to Mr. BALVINDER SINGH CHEEMA on 14th may and was told that as car is burnt completely and repair cost is more than car value and it will go in total lose.

I submitted following documents as request by Mr Cheema

1.RC copy
2.License Copy
3.Police report
4.Fire Bridge Report
5.Insurance Policy Copy
6.Claim form
7.Estimate from work shop for repairs

Then I got an SMS on 25th May that Pakhi Risk Evaluators are assigned as Investigation Survey but no one contacted me.

I called them on 28th May around 12.48 P.M and they were asking for Documents again.

I called Reliance call center on 28th May around 8.55P.M and Person was telling me as I did not signed repair voucher Claim is pending but then call disconnected and when I tried again it was 9.02 P.M so call center was closed.

Then Investigator surveyor Visited my place and asked all documents again along with following
• My Statement
• Salary Slip
• Form 16
• Statement of Loan account.
I handed over everything to him and then no one contacted me.

I wrote to RGIL Following email
[protected]Original Message[protected]
Subject: Re: Re : Regarding My claim no [protected] (Case ID:[protected]

i am writing again after 7 days as i was following with call center, surviour and investigator.
But end of that is again misleading answers.
Call center says your fill is under processing and pending with documents and investigation report.
When i contacted mr cheema ,he says all documents are being sent to insurance agengcy and file is closed.
Investigator says i had sent documents long back.
Today i called call center again and after repeated request he gave me number of claim dept and asked me to contact mr.ankit.
After continous calling for one hour i got a call back and ankit gave me answer he will look into this and will come back.
I have been getting this answer from last 2 months but nothing is happening and no body is telling me right status.
let me know if your team can help me or i need to esclate it or look for alternative forums like consumer court.
Looking forward for early respone and resolution on this
Thanks
Ritesh


But got same response that we are Looking into this and it has been escalated.
But no success on claim settlement.

I am following with Call center Survivor etc but no Response.
Call center gave me Claim dept number and asked me to call there but no one picks phone.
I wrote to Relaince services again
it seems to me that reliance does not want to settle my claim and just want to delay it for ever.
Response i am getting from claim dept is highly un professional as first they don't pick the phone and if picks then keep on transfering to one another and no one tells what happening.
Now one more thing happened Mr. Cheema surveyor called and asked me for original invoice of car.
When reliance did insurance they did not asked for it and now when its time to settle claim they are asking all documents.
I would like to know why it is required it is not part of claim requirement documents.
It has been more than 2 months time i launched my claim and still it is un settled.
This is adding too much of harassment to me and as a result i am not able to concentrate on my work.
As mentioned earlier also i would like to have early response and resolution to my claim.
Thanks
Ritesh

Dear Sir

I would like to bring to light the poor service, poor response and harassment by Bidar branch of Relaince General Insurance.

I have been your regular customer for car insurance. This year I applied for renewal of car policy from Bidar branch vide cover note [protected] and expiry date 5/4/11.

After one month from the day of expiry of old policy ie apr 10 i was told that this cover note is not valid due to change in govt policy of car insurance. I was asked to return the cover note and fresh photogrphs of the car were taken PB 08 AC 6664 (Indica DLE). I reconciled and cooperated till this stage.

Today after 2 months of photographs having been taken for the second time i have not recieved the policy. I am in touch with Mr Sanjeev of Bidar Office since 29 Jun 10. I have been calling him to deliver the policy and even sent my repersentative to collect the policy but he has been making one excuse or the other. I was to go for some urgent work 200 Km from my place but I could not since I do not have a valid car insurance.

For the past 5 days i have been calling up Mr Sanjeev. Every day he promised to deliver the policy but till date he has not been able to do the same. Now he has stopped attending my calls. This reflects very poor attitude and poor response to customer needs.

Because of the non availability of insurance policy i have been under stress, since i have not been able to use my car for the last 3 months due to non availability of car insurance for last 3 months.

May I request you to kind look into the matter as renpose by Mr Sanjeev reflected callousness, insenstivity, poor branch management and above the harassment of a regular customer.

I am waiting for response please.


Your Truly

Squadron Leader Brijesh Paul

Policy NO.[protected]
Name Of Insured. Anand Kumar Soni
Chowk Cinema Road BALLIA (U.P) Pin- 277001
My complaint pending last 2 years
Claim No-[protected] Dated[protected]

Complaint No-557800 Dated[protected]
Regards
Raghunath Prasad Soni
Email id- rpsony.[protected]@gmail.com

This is regarding my claim of reliance general insurance (TPA mediassist) of my policy no[protected] gold mediclaim policy which was expire on 11/05/2010. I filled a claim on 11/02/2010 to claim cashless claim in aryan hospital gurgaon for my fracture left arm but mediassist denied for cashless facility and to ask pay tratment charges vide referance no(mediassist) 4729336 after that I take treatment from bajaj fracture clinic and submited all bill to reliance general (TPA mediassist) office[protected] vide referance no 4820383.
Now more than 3 months is going on but no body reply to my claim of policy no[protected] of reliance general insurance.
I am enclosing letter of mediassist in which they denied cashless facility and policy copy.

Regards
Surya Parkash Singh
Moblie No [protected]
email id [protected]@yahoo.co.in

I, Prem Singh Rathore, opted to get insurance renewed for my Car Maruti WagonR LXI, make-2008 bearing registration number DL9CS4315, from “M/s Reliance General Insurance” vide policy number [protected] through their representative Sh. Aadil, vide Cover/Proposal Note no[protected].

Sh. Aadil told me the IDV to be Rs 275000/-. As per his offer, I agreed for the deal & give an amount 4650/-vide cheque no 996698(ICICI BANK), on 18.05.2010.

After a week, I received the Policy documents indicating the IDV amount as Rs 250000/- only, which is a difference of Rs 25000/-. I inquired about the misappropriation but he refused to give any detail.

I asked him to tell me the procedure for terminating this deal, he used unparliamentarily language. Since then, all my efforts have ended on his deaf ears and I am continuously ignored. His behaviour is beyond belief.
Thus, I have been cheated in this matter. I have been hurt emotionally, insulted and my faith is about to shatter regarding such agencies and their representatives.





(Prem Singh Rathore)
51, Veer Awas, Kargil Aptt., Dwarka Sec 18(A)
New Delhi
Mob No. [protected]

Sub: Refund of insurance premium

Refer our car insurance policy # [protected]

We applied for insurance premium refund in Feb-10 as I have sold my car and the buyer had taken another his own policy from the same reliance general insurance company. I have provided all the details including new policy copy of new owner. I had no claims on this policy and filed a refund claim in Feb-10.

I have been following with their branch office at 4th Floor, Sagar Plaza,Abids Road, Hyderabad for the last 5 months. I have worked with one Mr.Ashish/Venkat, after 1 month this guy refereed to another person, then finally to manager Thripati, he subseqtely handed over this matter to one Mr.Jyothirlaganm. We are clueless and they are playing a foot ball with my refund claim and not responding when I visit their office personally or phone calls.

I have lodged a complaint with their customer care; unfortunately they have again asked me to work with same the branch officers.

I have undergone so much of pressure and I requested them several times humbly to sanction my refund as I have no money to pay child school fee.

I humbly request you to take suitable action against them and caution the public about their unethical business practices

Thanks
Venkatanarayana G
Hyderabad
[protected]/[protected]

Dear Sir,

You have given the reason that the policy has been started from year 2008 but in actual policy has been started from 2007 with policy no.[protected] . Please look in to the case accordingly as per your GOLD POLICY all the pre-existing disease will be covered from the third year.

Regards
Kapil Kumar
H. No. 107, Shanti Nagar
Panipat-132103


--- On Mon, 29/3/10, Reliance General Insurance Company Limited <services.[protected]@relianceada.com> wrote:

From: Reliance General Insurance Company Limited <services.[protected]@relianceada.com>
Subject: Re: Regarding claim in policy no.[protected]Case ID:[protected]
To: "Mr. Kapil Kumar" <[protected]@ymail.com>
Date: Monday, 29 March, 2010, 10:24 AM

Dear Mr. Kumar,


We apologize for the delay in our response.

We would like to inform you that, your health claim has been denied, On perusal of the claim documents it is found that patient was admitted ENT Hospital on 09/04/09, diagnosed as DNS left with spur ITH and has undergone septoplasty and partial turbinectomy for the same.

Further, as this is the second year of policy coverage declared by insured in the claim form and inception of the policy is from 26/03/2008 and from the discharge summary of ENT Hospital it is clearly evident that patient is complaining of recurrent cold and sneezing since 1 year. Therefore, this particular ailment is found to be present prior to the inception of policy and going beyond the coverage of present policy.

However, we regret our inability to admit this liability under the present policy conditions.
Hence, claim is being repudiated under policy exclusion clause 1 and condition 2 of above-mentioned policy. We also reserve the right to repudiate the claim under any other ground/s available to us subsequently.


We also reserve the right to repudiate the claim under any other ground/s available to us subsequently.

For any further queries, please feel free to contact us at our toll free number[protected] or[protected]local charges) for any further help.

Thank you for choosing to write to us.


Yours Sincerely,
Customer Service Unit.
Reliance General Insurance Co. Ltd.


[protected]Original Message[protected]

Subject: Re: Regarding claim in policy no.[protected]

Dear Sir,

We have received your response for the service request no. 01045453 yet. Please give the satisfactory reply.

Regards
Kapil Kumar
H. No. 107, Shanti Nagar
Panipat-132103


--- On Sat, 20/3/10, Reliance Genaral Insurance Company Limited wrote:

From: Reliance Genaral Insurance Company Limited
Subject: Re: Regarding claim in policy no.[protected]
To: "[protected]@ymail.com"
Date: Saturday, 20 March, 2010, 12:34 PM

Dear Customer,

Thank you for writing to Reliance General Insurance Customer Service Unit, we value our relationship with you.
We will attend to your mail promptly and revert to you within seven (7) working days .Your service request no. is 01045453 , kindly refer to the service request number for any further communications or query.

Register yourself on our website www.reliancegeneral.co.in for managing your policy account online and to know more about our online services.

If you need any further assistance please feel free to contact us on our Toll free number[protected] Or[protected]Local rates only) our customer service executive will be glad to assist you.
Assuring you of our best service always.

Yours Sincerely,
Customer Service Team
Reliance General Insurance Company Limited

"No Claim Certificate" for the subject motor insurance policy [protected] (Case ID:[protected] is not being provided by the firm inspite of the fact that no claim had been processed and no amount has been claimed till date and no amount has been given to us till date.
We dont want any claim just want the NCB certificate but the firm is refusing to give us the same.

Sir, My policy No.[protected].I have not received my rel healthwise policy kit yet.Nor have I received my personal accidental policy (policy no.[protected]).Kindly verify the facts & send both health and personal accident policies at the earliest.
ROBIL GUPTA
3049 Mohalla Boghran,Nakodar(Jalandhar)
Mobile:[protected]

from subash paliwal <[protected]@gmail.com>
to Allwyn.[protected]@relianceada.com
cc Reliance General Insurance Company Limited <services.[protected]@relianceada.com>
bcc [protected]@irda.gov.in
date Sat, Jun 5, 2010 at 10:22 AM
subject Please manage to return my amount Rs.8075/-premium paid for getting Policy No[protected] because you are unable to settle my pending claim dated 11/02/2010.
mailed-by gmail.com
hide details Jun 5 (2 days ago)
To,
Mr.Allwyn D Monteiro
Manager- Grievance Redressal
I submitted Origional Hospitalization Documents(Admission Sheet, DischargeCard and Bills of Ayushman Hospital &Trauma centre,hero Honda Chowk,NH-8,Gurgoan(Haryana) alongwith Claim Form Filled to receiving section of Medi Assist India TPA Pvt. Ltd.F-2,Kailash Plaza ,H-252,Sant Nagar,New Delhi-110065 on 11/02/2010 wide register no.21.

Later Dr.Riaz (M-[protected] ) of TPA Medi Assist India Pvt.Ltd. F-2,Kailash Plaza ,H-252,Sant Nagar,New Delhi-110065,phone me that name was uncorrect hence we cannot process your claim and he require some more documents.

I again went to office of TPA Medi Assist India Pvt.Ltd. F-2,Kailash Plaza ,H-252,Sant Nagar,New Delhi-110065,on 05/03/2010 and I have submitted name correction letter made by me on Reliance General Insurance letter head in begining and submit Affidavit as required by Dr.Riaz (M-[protected] ) . I satisfied Dr.Riaz (M-[protected] ) with all papers and he told me that now you will get claim in a week.

I have scan copies all documents sumitted to TPA Medi Assist India Pvt.Ltd. F-2,Kailash Plaza ,H-252,Sant Nagar,New Delhi-110065.The same are herewith attached for your informations.

I have given several requests to Reliance Health Insurance that I think you person are not interested to settle my claim ,otherwise please manage to return my amount Rs.8075/-premium paid for getting Policy No[protected] because you are unable to give service to your customer.

Otherwise i categorically can say that Reliance Health insurance is Chor hai Customer Loot Ta Hai,Customer Loot Ta Hai.
Yours frusted customer,
(S.C.Paliwal)

Dear sir,
i sanjay kumar owner of TATA 1613 vehicle no-up78T2664 have insured my vehicle from RELIANCE GENERAL INSURANCE CO.LTD. on 27/02/2009 to 26/02/2010 through megma finance.Due to accident off my vehicle i have launch the claim on 27/01/2010 but since i am waiting for responce from the companys.even they are not giving any satisfied responce of claim status.

regards
sanjay kumar
kanpur
[protected]

I am an agent of Reliance General Insurance Company Ltd. But my client have not received many of my policies and receipt from the company. I ahd made several demand through telephone and by email at RGICL's Guwahati Office and even in Head Office. They also charged excess premium in many of my clients Healthwise policies. Some of my client had received policies with a lower premium then they had paid in cheque. But the company not returned the same till today though the repeated demand had been made. So, I request you to please look into the matter for the greater interest of Clients.

Regards,
Rakesh Jain
Nalbari (Assam)

My Vehicle claim bearing claim no, [protected] is pending with Reliance General Insurance co. Ltd. since last 3+ months. Every time Pune office is giving false commitment on settlement.

I have even given undertaking for approx. 40K as settlement amount against damage of 1.60 Lacs. Vehicle value (IDV) as per insurance comapny is 1.35 Lacs.

Need your help to take up this matter as I am fed up with Reliance General Insurance officials.

My Name is Milind Walzade
Contact details [protected]

my name is JIVABHAI VARCHAND VAGHA my car no is GJ12 AE 3438 MARUTI ALTO, was accident by community [hindu muslim fasad], so we was lanched F.I.R. , but we got FIR after one month from the local police station , and then we was claim our claim to companny , now after coplition the repairing work company said your claim is no claim becouse you intimate ur claim after one month , we was also gave the resone for late intimation , and also re opne the claim , but a yet not get any recponce from company , and also they didnt picup the phon

I (Sandeep Gupta) bought Comprehensive Car Insurance Policy (Policy # [protected], Cover Note #[protected] for my Car (Santro DLC AT 2453) from your company in July 2009 and I find a mistake in the policy sent to me and there is clear case of cheating either by the agent or by the company itself.
I bought this policy from Mr. Tarun (Mob: [protected]) on 02 July 2009 who visited me personally to sell this policy.
When I bought this Policy, I was given the IDV of Rs. 2,75,940/- By Mr. Tarun (including Rs. 4000/- for Body color bumpers as my car is XL model which comes with black bumper by default however I exchanged them with Body color bumper from the company at the time of purchasing this Car). Including everything (Insurance for Body color bumper) I issued him the cheque of Rs. 5813/- drawn on Axis Bank.
Now here is the complaint:

First It took long time to receive this Policy cover Note from you guys. I received it only in September 2009.
Secondly (most Important) When I received the Cover note, The IDV mentioned was only Rs. 2,71,940/- and there was no mention whether the Body color bumpers are covered or not. Considering that company must be doing right thing and I will not be cheated like this, I did not take any action.
Recently when I Tried to obtain the claim on my Car after accident, I was told that the body color bumpers are not covered and I will have to pay for the paint of bumpers, I was taken aback by this information and realized that I am cheated by one of the largest Organizations in India.
My Car is under Repair right now with MGF Hyundai (PatparGangh, Delhi) and the Claim number is [protected]. It was assigned to Mr. Vineet Singh[protected] Mob: [protected] for survey which he has completed and approved most of the thing except Bumper paint since it was not covered in my policy by you guys.
I have called your customer service yesterday and Spoke to a guy called Prasad who registered my complaint (Complaint # 1139195).
I am attaching the Scanned copy of Proposal cum cover note given to me by your agent at the time of buying this Policy also the scanned copy of the cover note sent by the company to me.

I request that this is taken on Priority and the IDV should be revised from the Policy start date and my claim should be processed accordingly ASAP as I need my car back ASAP. This is to inform that I am sending the hard copy and soft copy of the same Email to Insurance Ombudsman as well and will any route I have to get the claim which I deserve to get and if required will take the company to consumer court and will write about the same to every open forum, Facebook, orkut, twitter and every other open forum if the necessary action is not taken ASAP.

These people has replied with the comment " We would like to inform you that, as it is a private car, we are unable to cover the bumpers".
They are useless even after sending the scanned copy of the cover note given to me by their agent, they refused to entertain the same and you all know what kind of service you can expect from companies like that.

Now I have also written a formal letter to them and asked them to reply in 10 days and if they dont reply positive, I will approach Insurance Ombudsman and consumer Court.

Claim Ref. no.4395194(origional claim no. 4160106),under policy no. 1103/[protected].
claiment Name- santlal D. Yadav, Insurance for the period from 07/09/2008 to 06/09/2009.
date of Hospitalization -19/05/2009 , discharge - 24/05/2009.
Reporting by fax - 20/05/2009 -03.03 p.m., Claim received by TPA - 06/06/2009.
claim denial letter dt.23/11/2009 sent by TPA to Claiment.

Dear sir,
claiment has not yet received the claim amount,Please let me know about the further action.

Regards,
Santlal D. yadav