[Resolved]  Bharti Axa, Car Insurance — Delayed Commencement of Policy

Address:

Panchkula, Haryana

Dear Sir,
I had requested for renewal of a comprehensive zero depreciation insurance policy for my car Volkswagen, Vento, Model High-line, Diesel, Vehicle Registration No HR 03 M 3041 with M/S Bharti Axa and paid a premium of Rs 29000/- approximately by cheque for the Policy.

On receipt of Policy document Car Insurance Policy No FPV /11152990/91/01/D19144 under Client ID 03791435 on 14 Feb 13, contrary to my requirement of Commencement of Policy on 21 Jan 2013, the same I found had been commenced on 30 Jan 2013 (validity 30 Jan 13 to 29 Jan 14)? I had initiated the proceedings for the renewal of my policy valid till midnight 20 Jan 2013, on 16 Jan 2013 and the premium Cheque issued by me had accordingly been en-cashed in time, before the expiry date of the earlier policy by M/S Bharti Axa? Thus this delayed commencement, I consider not only arbitrary and a malicious breach of trust but also contrary to established ethical business practices? It implied that I had been tricked into complacently using my car without a valid Insurance Policy by M/S Bharti Axagi from 21 Mar 13 to 30 Mar 13? I feel, I am fortunate not to have met with an accident in this duration, otherwise I could have been apprehended by law enforcement agencies for driving without a mandatory Insurance Policy.

When I took up the issue of delayed commencement with the Company I was issued a fresh policy, ie Revised Policy as Smart Motor Policy Private Car No FPV/I1175981/91/01/D19144 (dated Nil and forwarded vide their office letter dated 22 Feb 13) with the same Client ID as 03791435, albeit backdated and now with retrospectively amended dates showing validity from 21 Jan 13 to 20 Jan 14, instead of earlier 30 Jan 13 to 29 Jan 14?
However, no explanation or reason for the revised policy or the glitch at their end has been found recorded?
The fact that I was without an Insurance Policy with effect from 21 Jan 13 to 30 Jan 13, through no fault of mine, has also not been explained and has been glossed over?
This bothers me and more so, I wish to get this addressed at an appropriate level/authority, to insure that such a thing does not occur with any other client of Bharti-Axagi, in future?
Thanks and regards,

Col P Ahluwalia (Retd)