Claim Process

To make a smart choice, get in touch with us right away!

We aim to make the claims process as smooth as possible for your
convenience. Here’s how it works:
Reliance Standard Fire &
1800 3009 (Toll Free)
Step 1 reliancegeneral.co.in 022-4890 74004 22200 Special Perils Policy
Intimate the loss details on toll free no 1800-3009 3009 (Paid)
and obtain the claim number
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Go digital with us
Step 2
Co-operate with surveyor appointed for
survey of loss A Smart App by Reliance General Insurance
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Step 3 available on
Submit to the surveyor completed claim form and all
required documents Contact our Insurance advisor
.....................................................................

RGI/MCOM/CO/FI-01/BR/VER.1.0/021219
Step 4
Surveyor completes report & submits to
Reliance General Insurance
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Step 5
Reliance General Insurance adjudicates the case as
admissible/not admissible as per policy terms, or seeks
additional details
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Step 6
If claim is not admissible a communication with reason is
shared. If claim is admissible payment is made through
NEFT
An ISO 9001:2015
Certified Company

For complete details on the benefits, coverage, terms & conditions and
exclusions, visit the website www.reliancegeneral.co.in or read the sales
brochure, prospectus and policy wordings carefully before concluding sale.
IRDAI Registration No. 103.
Reliance General Insurance Company Limited
Registered & Corporate Office:
Reliance Centre, South Wing, 4th Floor, Off. Western Express Highway,
Santacruz (East), Mumbai - 400 055.
Corporate Identity Number: U66603MH2000PLC128300.
UIN: IRDAN103P0001V02100001
Prohibition of Rebates - Section 41 of the Insurance Act, 1938 as amended by
Insurance Laws (Amendment) Act, 2015. Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures
No person shall allow or offer to allow, either directly or indirectly, as an Private Limited and used by Reliance General Insurance Company Limited
under License.
A policy that provides
inducement to any person to take out or renew or continue an insurance in
respect of any kind of risk relating to lives or property in India, any rebate of the comprehensive protection against
whole or part of the commission payable or any rebate of the premium shown
on the policy, nor shall any person taking out or renewing or continuing a policy uncertain losses. That’s Smart!
accept any rebate, except such rebate as may be allowed in accordance with
the published prospectuses or tables of the insurer.
Any person making default in complying with the provisions of this section shall
LiveSmart
follow us
be liable for a penalty which may extend to ten lakh rupees. LiveSmart
 At Reliance General Insurance, we understand the impotance
of a comprehensive coverage that gives you financial
support to recover from the uncertain losses due
to fire and allied perils. The Standard Fire
and Special Perils Policy ensures to
calm your worried minds by
providing safety against
sudden losses.
The incredible benefits
that make the the Standard Fire and Special Perils
Policy a smart choice:
Secure your properties and assets Option to customise policy
Specially designed plan that covers all the properties Optional deletion of storm, flood, inundation perils, riot
which are normally exposed to the risk of fire and allied and strike group of perils
perils along with a wide scope of cover for your assets Cover options for Stocks Insurance such as floater policy,
against a variety of natural and man-made perils. declaration policy and floater declaration policy
What does the policy cover?
Fire
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Lightning
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Explosion / implosion
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Aircraft damage
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Riot, strike and malicious damage (RSMD)
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Storm, cyclone, typhoon, tempest, hurricane, tornado, flood and
inundation (STFI)
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Impact damage
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Subsidence and landslide including rockslide
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Bursting and/or overflowing of water tanks, apparatus and pipes
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Missile testing operations
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Leakage from automatic sprinkler installations
Ease of .....................................................................
claim settlement Bush fire
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Fast settlement of
Architects’, surveyors’ and consulting engineers’ fees up to 3%
claims in a few steps.
of claim amount
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Removal of debris up to 1% of the claim amount

SMART ADD-ONS: POLICY TENURE:

Earthquake (fire & shock) The policy is issued for one year from the date of inception of the cover.
Architects’, surveyors’ & consulting engineers’ fees However, policies for a period exceeding 12 months can be issued for
(in excess of 3% of claim amount) ‘Dwellings’.
Removal of Debris (in excess of 1% of claim amount) .....................................................................
Deterioration of stocks in cold storage APPLICABILITY:
Accidental power failure consequent to damage at the premises of
power station due to an insured peril
The Fire and Allied Perils Insurance Policy can be issued to cover the
following types of risks: What does the policy not cover?
Change in temperature arising out of loss or damage to the cold Dwellings, offices, hotels, shops etc. located outside the compound of
storage machinery in the insured premises due to operation of industrial / manufacturing risks
insured peril Industrial / manufacturing risks Excess as per policy schedule
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Forest fire Utilities located outside the compound of industrial / manufacturing War and nuclear perils
Impact damage due to insured’s own rail / road vehicles, fork lifts, risks .....................................................................
cranes, stackers and the like and articles dropped therefrom Storage risks located outside the compound of industrial Loss to bullion or unset precious stones, any curios or works of art
Spontaneous combustion /manufacturing risks for an amount exceeding `10,000/- unless specifically covered
Omission to insure additions, alterations or extensions Tank farms / gas holders located outside the compound of industrial .....................................................................
Spoilage material damage cover /manufacturing risks / immovable properties which have monetary Loss of earnings or other consequential loss and spoilage
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Leakage and contamination cover value Loss by theft during or after the occurrence of any insured peril
Temporary removal of stocks clause ..................................................................... .....................................................................
Loss of rent clause PREMIUM PAYABLE: Loss or damage to property removed to any building other than the
Insurance of additional expenses of rent for an alternative All the advantages of this policy are available at the most competitive insured premises except machinery and equipment temporarily
accommodation premium rates. There is a suitable loading / discount according to the
Start-up expenses character of the risk, renewal status, claims experience and add-on removed for repairs, for a period not exceeding 60 days
Molten material spillage benefits availed.