[Resolved]  State Bank of India — Claim denied on Frivolous Grounds. Policy No:[protected]

I have a Volkswagen Vento Highline 2011 renewed with SBI General Insurance in January, 2013. My car was damaged in February, 2013 and i registered the claim for it in September, 2013. I paid a premium for one year and therefore any damages caused to my car after the renewal of my insurance is supposed to be covered under the policy. I have been denied claim just because i did not register a claim earlier. Also, a survey is conducted at the beginning of the one year tenure in which photographs of the current condition of the car is taken. Any damage caused to the car there after is supposed to be covered under the policy regardless of the date on which the claims are made. This is pure injustice as i have paid a premium for a whole year and if my car is not covered up for damages during that tenure then the whole purpose of insuring my car is defeated.