Dear sir,

I had taken AVIVA Life Insurance policy from an employee of Bank of Punjab on 10.9.2008, when Aviva & BOP had some tie up and the employee told that she will adjust the premium from my saving bank account in the same bank and she had taken necessary letter from me for the same. Since I had no communication earlier from AVIVA Life Insurance, I assumed that the premiums are being regularly paid. Later the bank was taken over by Centurion Bank and now again taken over by HDFC and most of the employees has also left (including that girl) and no old records are available, I am unable to tell anything whether the premiums were paid or not. Even old A/c statement is not available to me to check back the entries.

This is to inform that I received a letter from AVIVA Life Insurance office subjected: status of your lapsed policy (Client ID-1338356, Policy Number-RSG1680642) dated 16/9/2010 that my policy has lapsed due to non-payment of premiums in time.
I wrote many letters and appealed to treat my case as a special case, as this was not intentional and happened due to negligence of Bank Employee and to tell me the amount to be deposited (premium + interest / penality charges) to reinstate the lapsed policy. Or, else refund my deposited amount with nominal interest till date. But, AVIVA Life Insurance Company is neither prepared to reinstate the policy nor willing to refund my amount.
Please help to either reinstate the policy or refund my money.


Best Regards

Gunwant Kaur Sachdev

Client ID-1338356
Policy Number-RSG1680642
Sum assured- Rs.90,000