[Resolved] Bajaj Allianz Car Insurance — Rejected Claim showing technicality | |||
Bajaj Complaint number 11736537/11736895 Hi, I have an insurance policy with you. I had an accident on June 13th where in there was damage to the bumper and I was getting noise due to misalignment of the door. Nandi Toyota mentioned that it will cost 8000 for repairs and I hence decided to claim via insurance. The Claim was registered on 15th June and subsequently preapproved. Now during the payment, I heard from your bangalore office that they found out from my previous insurance company (Reliance) about a prior claim last year and I still have claimed NCB with Bajaj for this year. This according to your office is misrepresentation and hence they said they cannot pay. I have paid and taken the car out by paying Rs. 22500 from Nandi Toyota. I agree this is a misrepresentation on our part. It happened because, my wife who has been brought up in the US had renewed the policy while I was away from an agent and she signed the papers and renewed without understanding full consequences of this. The Bangalore office claims that because of misrepresentation, this claim will not be paid and future claims will be paid only if I pay the NCB discount. I am willing to pay the NCB discount. However, I do not agree with the punishment for the following reasons: 1. There was no check done on whether the NCB is valid at the time of renewal. The agent was anxious to change the insurance from Reliance and did whatever it took to change. 2. There was no check done during preapproval on NCB claims. So Is it not a misrepresentation on Bajaj Allianz's part providing me pre approval. I would have opted out and repaired the car for 8000 and not spent 22500. 3. Based on what the Bajaj allianz personnel (Damodaran) spoke, I have absolutely no insurance coverage despite paying a premium. 8 months of premium I have paid without any coverage. Shouldn't Bajaj pay me back the money paid on premium, since there was no coverage provided? 4. Your office claims, I would have been illegal without insurance despite no coverage. What would have happened if there was serious loss of life and I did not have money to take care of it becasue of my misrepresentation. Does it mean, because of negligence on Bajaj to do the due diligence, you have supported me to be illegal i.e insurance without coverage. 5. I have two instances where the same situation has happened - one with Royal Sundaram and other with Reliance wherein they have just deducted the NCB bonus and paid the rest. Why is Bajaj's policy different than the rest of your competitors? I have already lodged two complaints and they are slow to respond. Regards, Govind Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 5 Comments | |||
Comments
Dear Customer,
May we request you to send us your complete contact details, Policy No. and e-mail-id on help.[protected]@bajajallianz.co.in OR [protected]@bajajallianz.co.in.
Regards,
Bajaj Allianz
May we request you to send us your complete contact details, Policy No. and e-mail-id on help.[protected]@bajajallianz.co.in OR [protected]@bajajallianz.co.in.
Regards,
Bajaj Allianz
Dear Sir,
We have received your request.
Could you please send us your policy number and contact details on help.[protected]@bajajallianz.co.in.
Regards,
Bajaj Allianz
We have received your request.
Could you please send us your policy number and contact details on help.[protected]@bajajallianz.co.in.
Regards,
Bajaj Allianz
Posting other communications:
What was the premium that I paid used for if it did not provide coverage?
According to your company personnel you have requested Reliance as soon as I signed up for the policy about my claims. I had requested for the letter that you had requested to Reliance. Please provide the same.
You have not answered why you pre approved the claim without validating a valid insurance.
--- On Fri, 7/15/11, Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in> wrote:
From: Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in>
Subject: Issue No 12090116
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Friday, July 15, 2011, 3:02 PM
Dear Sir,
With reference to the Claim No: OC[protected]-00003358; kindly note that Insurance is a contract which is underwritten on utmost good faith. NCB was checked with the insurer as per the process hence the claim is not payable due to misrepresentation of facts.
However as per policy the premium need to be forfeited and policy should be cancelled.
Being a customer friendly company, we have asked you to pay the NCB now and keep the benefits live up to the contract period.
Hence our stand remains the same and the Claim stands as repudiated.
Under Such circumstances we treat the present complaint as closed.
Please feel free to revert for any further queries; we would be glad to assist you.
Thanks & Regards,
Sujay Dharwadkar
Customer Care Team
Bajaj Allianz General Insurance Com. Ltd.
Ph. No:[protected]
From: Govindarajan Thirumalai [mailto:[protected]@yahoo.com]
Sent: Wednesday, July 13, 2011 2:57 PM
To: Sujay Dharwadkar/Head Office Pune/Customer Care/General ; Garima Banerjee/CFU/Head Office/General
Subject: Re: 12005062
Hi Sujay,
I have escalated this and there has been no response. Apart from this, I also spoke to Sumangala of the Bangalore office asking for two things for which I am waiting on:
1. After getting the insurance with Bajaj, I was told by Bajaj that they had made a request to Reliance asking if I had claims and they had not responded. I want the copy of the request made asking for this from Bajaj. This is gross negligence on the part of Reliance for not providing it when Bajaj had asked for. Hence I need your request.
2. Sumanagala mentioned that she will talk to claims department to find out why the check for NCB was done with Reliance only during the payment and not during pre approval. I am still waiting for this.
Regards,
Govind
--- On Mon, 7/11/11, Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in> wrote:
From: Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in>
Subject: 12005062
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Monday, July 11, 2011, 1:35 PM
Dear Sir,
With reference to the Claim No: OC[protected]-00003358; kindly note that the claim has been repudiated due to wrong declaration of NCB. We have confirmed that our stand remains the same. Please find attached PDF of the letter sent to you by branch.
Please feel free to revert for any further queries; we would be glad to assist you.
In case you are not satisfied by our response; you may kindly escalate according to escalation matrix:
1) garima.[protected]@bajajallianz.co.in
To help us improve further, your feedbacks are highly important for us, please rate my services from 1 to 5 as per the grid below and reply us back on garima.[protected]@bajajallianz.co.in
1. Highly Unsatisfied
2. Unsatisfied
3. Average Service
4. Satisfied
5. Highly Satisfied
Thanks & Regards,
Sujay Dharwadkar
Customer Care Team
Bajaj Allianz General Insurance Com. Ltd.
Ph. No:[protected]
CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail (including any attachments) is confidential, may contain proprietary or privileged information and is intended for the named recipient(s) only. Unintended recipients are prohibited from taking action on the basis of information in this e-mail and must delete all copies.
Bajaj Allianz will not accept responsibility or liability for the accuracy or completeness of, or the presence of any virus or disabling code in, this e-mail. If verification is sought please request a hard copy. Any reference to the terms of executed transactions should be treated as preliminary only and subject to formal written confirmation by Bajaj Allianz. Bajaj Allianz reserves the right to monitor e-mail communications through its networks (in accordance with applicable laws).
No confidentiality or privilege is waived or lost by Bajaj Allianz by any mis-transmission of this e-mail. Any reference to "Bajaj Allianz" is a reference to any entity in the Bajaj Allianz Life & General Insurance Co.Ltd
If you have received this e-mail in error and are not the intended recipient/s, kindly notify sender of the email and then delete the copies of the email.
The information contained in this e-Mail is classified as Internal
What was the premium that I paid used for if it did not provide coverage?
According to your company personnel you have requested Reliance as soon as I signed up for the policy about my claims. I had requested for the letter that you had requested to Reliance. Please provide the same.
You have not answered why you pre approved the claim without validating a valid insurance.
--- On Fri, 7/15/11, Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in> wrote:
From: Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in>
Subject: Issue No 12090116
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Friday, July 15, 2011, 3:02 PM
Dear Sir,
With reference to the Claim No: OC[protected]-00003358; kindly note that Insurance is a contract which is underwritten on utmost good faith. NCB was checked with the insurer as per the process hence the claim is not payable due to misrepresentation of facts.
However as per policy the premium need to be forfeited and policy should be cancelled.
Being a customer friendly company, we have asked you to pay the NCB now and keep the benefits live up to the contract period.
Hence our stand remains the same and the Claim stands as repudiated.
Under Such circumstances we treat the present complaint as closed.
Please feel free to revert for any further queries; we would be glad to assist you.
Thanks & Regards,
Sujay Dharwadkar
Customer Care Team
Bajaj Allianz General Insurance Com. Ltd.
Ph. No:[protected]
From: Govindarajan Thirumalai [mailto:[protected]@yahoo.com]
Sent: Wednesday, July 13, 2011 2:57 PM
To: Sujay Dharwadkar/Head Office Pune/Customer Care/General ; Garima Banerjee/CFU/Head Office/General
Subject: Re: 12005062
Hi Sujay,
I have escalated this and there has been no response. Apart from this, I also spoke to Sumangala of the Bangalore office asking for two things for which I am waiting on:
1. After getting the insurance with Bajaj, I was told by Bajaj that they had made a request to Reliance asking if I had claims and they had not responded. I want the copy of the request made asking for this from Bajaj. This is gross negligence on the part of Reliance for not providing it when Bajaj had asked for. Hence I need your request.
2. Sumanagala mentioned that she will talk to claims department to find out why the check for NCB was done with Reliance only during the payment and not during pre approval. I am still waiting for this.
Regards,
Govind
--- On Mon, 7/11/11, Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in> wrote:
From: Sujay Dharwadkar/Head Office Pune/Customer Care/General <Sujay.[protected]@bajajallianz.co.in>
Subject: 12005062
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Monday, July 11, 2011, 1:35 PM
Dear Sir,
With reference to the Claim No: OC[protected]-00003358; kindly note that the claim has been repudiated due to wrong declaration of NCB. We have confirmed that our stand remains the same. Please find attached PDF of the letter sent to you by branch.
Please feel free to revert for any further queries; we would be glad to assist you.
In case you are not satisfied by our response; you may kindly escalate according to escalation matrix:
1) garima.[protected]@bajajallianz.co.in
To help us improve further, your feedbacks are highly important for us, please rate my services from 1 to 5 as per the grid below and reply us back on garima.[protected]@bajajallianz.co.in
1. Highly Unsatisfied
2. Unsatisfied
3. Average Service
4. Satisfied
5. Highly Satisfied
Thanks & Regards,
Sujay Dharwadkar
Customer Care Team
Bajaj Allianz General Insurance Com. Ltd.
Ph. No:[protected]
CONFIDENTIALITY INFORMATION AND DISCLAIMER This e-mail (including any attachments) is confidential, may contain proprietary or privileged information and is intended for the named recipient(s) only. Unintended recipients are prohibited from taking action on the basis of information in this e-mail and must delete all copies.
Bajaj Allianz will not accept responsibility or liability for the accuracy or completeness of, or the presence of any virus or disabling code in, this e-mail. If verification is sought please request a hard copy. Any reference to the terms of executed transactions should be treated as preliminary only and subject to formal written confirmation by Bajaj Allianz. Bajaj Allianz reserves the right to monitor e-mail communications through its networks (in accordance with applicable laws).
No confidentiality or privilege is waived or lost by Bajaj Allianz by any mis-transmission of this e-mail. Any reference to "Bajaj Allianz" is a reference to any entity in the Bajaj Allianz Life & General Insurance Co.Ltd
If you have received this e-mail in error and are not the intended recipient/s, kindly notify sender of the email and then delete the copies of the email.
The information contained in this e-Mail is classified as Internal
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