Terms and Conditions

Reliance General Insurance Website(s) on reliancegeneral.co.in, Self-i Mobile App, Smart Quotes, Whatsapp, Brobot Chatbot, Smartzone agent portal(to be referred as Digital Platforms) are provided by Reliance General Insurance. By accessing this website (the "Reliance General Insurance Digital Platforms") and using its content, you acknowledge, and you agree that you have read and understood the following terms of use and you agree to be bound by them. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and therefore we advise you to review these terms and conditions every time you use this Digital Platform. Do not access, download materials from this Digital Platform, if you do not agree with these terms of use.

Quick Quote Premium Estimate

The premium estimate given for private car & two wheeler quick quote section is given by assuming that all previous policies have been renewed continuously without any gap in insurance and no claim has been made in previous policies. Quote Quick premium estimate given for other products is approximate. 

To receive the final payable premium for all products you are required to click on "Continue to Buy". All quotes will be valid only for seven days from the date of creation of the quote.

Customer Contact

You authorize Reliance General Insurance Co. Ltd. to call, send SMS and email on the contact number and email ID (made available by you on our Digital Platforms with a specific request to call back) and offer you information and services for the product you have opted for. You authorize us to call, SMS, email and get updates on Whatsapp you for the mentioned purpose irrespective of whether you are registered with the NDNC registry.​

Consent for sharing personal information​:

I/We, the undersigned, do hereby unconditionally agree, understand and consent as follows:

I/We authorize Reliance General Insurance Company Limited (RGICL) and RCL Group Entities, its agents/representatives and other business partners to collect and share the information provided by you / customer with the RCL Group Entities and other business partners for the purposes as detailed under the Privacy Policy and the Terms of Use. I/We declare and acknowledge that I/We have read and understood the terms of the Privacy Policy and Terms of Use​ and shall be bound by the same. I/we provide consent to override the DNC in order to share information with the platform.​

We will also use your contact details information to:​

- Send you information about products and services offered by Reliance General Insurance and Reliance Capital Group Companies

- To contact you through SMS and email for policy reminder notices, claims processing

-​ To keep you updated on the insurance sector and Reliance General Insurance through our newsletters.

I, hereby provide my consent to Reliance General Insurance Company ltd. to download my KYC records from the Central KYC Registry (CKYCR), for the purpose of verification of my identity and address from the database of CKYCR. I understand that my KYC Record includes my KYC Records /Personal information such as my name, address, date of birth, PAN number etc.

I agree to abide by the terms and conditions set forth by Reliance general Insurance company ltd. regarding the verification of my KYC information from CKYCR.​

The content is available for informational purposes only. The posting of contents and access to this Digital Platforms does not render, either explicitly or implicitly, any provision of services or products by us. Information concerning financial products or services (including insurance, asset management and banking) is only available through the respective Reliance General Insurance.

All advertisements contains only an indication of cover offered with the products. For more information please read the policy wordings​ before concluding a sale.

Reservation of Rights

We reserve the right to change, modify, add to, or remove discounts, portions of these terms of use at any time subject to IRDAI regulations as amended time to time & company policy.

Declaration & Warranty on Behalf of All Persons Proposed to be Insured with RGICL

You agree to have read and understood the brochure, prospectus, sales literature & Policy wordings and confirm to abide by the same.

Standing Instructions for auto debit of Credit Card (SICC)

This standing instruction for auto debit is only available for payment of premium made through credit card and shall be subject to the terms and conditions mentioned in the Reliance HealthGain Policy (the Policy)

• The SICC request will be processed within 7 working days. The Company reserves its right to decline your request for SICC, without assigning any reason.  
• Under SICC, the premium shall be debited on or prior to the premium payment due date.
• Prior to debiting the premium, SMS will be sent to your registered mobile no.
• This facility is available for the Policy with installment premium payment mode.
• The subsequent charge of premium shall be subject to change in applicable taxes.
• In the event of your request for SICC facility is declined due to any reason, you will be obligated to pay the outstanding premium through any other premium payment mode in accordance with the terms and conditions of the Policy. Non-payment of premium within due date as per the terms and conditions of the Policy, the Policy shall cease to operate from the unpaid installment due date and the Company shall not be liable for any claim under this Policy whatsoever.
• This authorization shall remain valid unless contrary instruction, revocation or termination of SICC issued by the Policyholder.
• Additionally in the event of any claim being logged under the policy for any cause whatsoever, all the subsequent premium installments shall immediately become due and payable notwithstanding anything to the contrary herein above contained. The company shall have the right to recover and deduct any or all the pending installments from the claim amount due under the policy.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE MATERIALS ON THIS DIGITAL PLATFORMS ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESSED OR IMPLIED AND RELIANCE GENERAL INSURANCE COMPANY LTD. AND ITS AND AFFILIATES, DISCLAIM ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Reliance General Insurance does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Digital Platforms or the server that makes it available are free of viruses or other harmful components. Reliance General Insurance does not warrant or make any representations regarding the use or the results of the use of the materials on this Digital Platforms​ in terms of their correctness, accuracy, reliability, or otherwise. You (and not Reliance General Insurance) assume the entire cost of all necessary servicing, repair, or correction. The in formation and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes.

This Digital Platforms may be linked to other Digital Platforms which are not maintained by Reliance General Insurance. Reliance General Insurance is not responsible for the content of those Digital Platforms​. The inclusion of any link to such Digital Platforms​ does not imply approval of or endorsement by Reliance General Insurance of the Digital Platforms or the content thereof.

Although the information contained in the Digital Platforms has been carefully vetted, the use of this Digital Platforms shall be at your own risk. All contents on the Reliance General Insurance Digital Platforms​, including but not limited to graphics, text and hyperlinks or references to other sites, is provided "as is". Reliance General Insurance shall not give without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement and freedom from computer viruses or other harmful components.

We shall not be responsible or liable for the authenticity, accuracy, completeness, errors, omission, typographic errors, disruption, delay, interruption, failure, deletion, defect of any information, research, reports, analysis, quotes etc in this Web Site or any part thereof. We assume no responsibility to update or amend the Digital Platforms.

We do not warrant that the functions of the Reliance General Insurance Digital Platforms will be uninterrupted and/or error-free, that defects will be corrected or that the Reliance General Insurance Digital Platforms or the server that makes it available are free from computer viruses or other harmful components.

​You agree, understand and confirm that the credit card details provided by you for availing of services on Reliance General Insurance Company Ltd. will be correct and accurate and you shall not use any credit card which is not lawfully owned by you. You further agree and undertake to provide the correct and valid credit card details to Reliance General Insurance Company Ltd. Further the said information will be not be utilized and shared by Reliance General Insurance Company Ltd. with any third parties unless required by law, regulation or court order.

"We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.

TP Declaration -​

I/we hereby declare that premium paid under this transaction/proposal is paid by me i.e. proposer/policyholder through the bank account or a Credit Card or Premium payment (wallet) or any other electronic mode/instrument, held by me in my name as primary holder (referred to as “ premium amount”). I confirm that it is not a third-party payment made by any other person on my behalf. In case, latter it is found to be paid from the account of a person other than me/us, I/we shall be responsible for all risks and consequences, including cancellation of the policy by Reliance General Insurance Co. Ltd.

​You can get in touch with our Customer Care at +91 22 48903009​ or email to rgicl.services@relianceada.com to initiate the process. Please be informed that cancellations will be subject to the terms and conditions of the policy opted by the customers.

​Reliance General Insurance assumes no liability and shall not be responsible as to the errors or omissions which may occur sometimes. Reliance General Insurance expressly disclaim any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access or use or inability to access or use of the Reliance General Insurance Digital Platforms or reliance on its content, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with the Reliance General Insurance Digital Platforms, regardless of our knowledge thereof. Reliance General Insurance shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the Digital Platforms or your downloading of any materials, data, text, images, video, or audio from this Digital Platforms​.​

​All content of the Reliance General Insurance Digital Platforms is protected by copyright with all rights reserved. All rights in the pages, site content and arrangement are owned by Reliance General Insurance Company Limited. You are prohibited from copying, modifying, displaying, distributing, transmitting, redelivering through the use of "framing" technology, publishing, selling, licensing, creating derivative works or using any site content for any purpose without the prior written approval of Reliance General Insurance Company Limited.

Governing Law and Jurisdiction

This web site is controlled and operated by Reliance General Insurance from its offices within the India. Any claim relating to, and the use of, this web site are governed by the Indian laws.

Jurisdiction

All Disputes arising out of these terms or this Digital Platforms​ shall be litigated in, and only in, courts located in Mumbai, India, and you agree to submit to the exclusive jurisdiction of those courts.

Severability

If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms and Conditions shall continue in effect.

Entire Agreement

This Agreement constitutes the entire agreement between you and Reliance General Insurance with respect to your access to and/or use of this web site.