Hi All,
I have faced drastic problem with Bharathi Axa General Insurance for my Car Policy. Their sales people are full of citer. I have called several time to there customer service and send the mail to all top level guys and not get any solution. Final I’ve canceled the policy. Still I’m not got the refund amount (after nearly 35% duction). Please see the below correspondence which I’ve done with those guys. So please think twice before taking policy with Bharathi Axa insurance.

Fist Mail:--

From: "K. Manikandan" <kmk_1976@yahoo.com>
To: Ravi.SeshadriT@Bharti-axagi.co.in, Milind.Joshi@bharti-axagi.co.in, Nadeem.Mokashi@Bharti-axagi.co.in

This refers to my complained # 77. My policy # is FPV/I0028369/41/04/B24111.

Last week my vehicle was damaged due to accident. Subsequently I left my car to workshop for repair work. Your person Mr. Santhose inspected my vehicle on the same day and informed that you not eligible to claim. He was said that following reason
“My Policy say’s NCB discount is 20%, but you had claimed 2 times in your previous policy”.
Please note that when I start to interact with your seals person Mr. Vijayan K.T. I was clear told to your person I had made 2 claims in my previous insurance. And also I have received quote from Vijayan on 7th March’09 .In that quote clearly mention that NCB is zero. Please find the attached quote for your reference.

Now Mr.Vijayan is telling lies that I’m not informed that my previous claims. So that reason only he had made the policy with NCB 20% discount. And also I spoke to Mr. Dillip (Vijayan boss) and him also not able to solve my problem.

Initially my friends are told me that don’t take Bharti AXA service they should have lot of hidden things. But I believed the Bharti AXA don’t cheat their customer. So I had discontinued the previous cholamandalam service and took Bharti AXA insurance. But now I feel that what my friends are told me that may true in my case.

So please accept claims as well as provide me updated policy.


From: "K. Manikandan" <kmk_1976@yahoo.com>

To: Ravi.SeshadriT@Bharti-axagi.co.in, Milind.Joshi@bharti-axagi.co.in, raj.sunil@bharti-axagi.co.in
Cc: customer.service@bharti-axagi.co.in, Murali.KN@bharti-axagi.co.in, Nadeem.Mokashi@Bharti-axagi.co.in, S.Narayanamurthy@bharti-axagi.co.in

Sir,

This refers to the meeting we had with on 18th July regarding my complained # 77. You have told me that you will not accept my claim as well I need to pay 20% NCB amount (~ Rs 2230)

As you aware your sales person had done the mistake. For that reason you had told me that you have removed that sales person from service. In this whole process I done one major mistake is without seeing the paper I signed the document and also I’m not taken any copy of the document. I thought they don’t cheat their customer. For that reason I got very good price from you as well I leant very good lesson from you.

Please find my final request as below.

- I’m ready to pay 20% of NCB amount. But please provide the existing claim amount (~Rs5000). And also provide me the updated /revised policy for my future purpose (NCB discount with zero percentage).
- OR –
- Don’t give the claim amount. I will not pay the NCB amount. Please provide me the updated /revised policy for my future purpose. (NCB discount with zero percentage)

So please accept any one of my request. I need to close this matter at the earliest. I’m eagerly waiting for your response.

Thanks & Reagrds,