Oriental Insurance Company — Motor Insurance Transfer only third party not full coverage

Address:

Kollam, Kerala

Sir, this complaint is regarding insurance transfer Oriental Insurance Motor Policy No 441400/31/2015/5649. Originally it was Maya Suresh who got on 12th December 2014 the Policy with a) P. A. Cover under Section III for Registered Owner Cum Driver (CSI): Rs. 200000 and with b) Insured's Declared Value Total Value 1, 60, 000. After Transfer into my name the Policy shows under P. A. Cover and under Total Value Rs. 0 and I am complaining against not transfering me the 'full coverage' but only 3rd party. On Monday the 19th January in Oriental Insurance Branch Kayamkulam Head of Branch DGS Nair asked me to sign a Proposal Form which he had not completely filled telling me Quilon Office would complete it. My kind request regarding transfer of 'full coverage' received a strong 'Yes, you will get.'. I took a picture in my camera of the way the form was filled in by Head Branch before I was asked to sign: it can be send as Email attachment if necessary. I received the Policy issued on 20th January on 22nd January through the Warden of my building. On the 22nd itself I complained via Textmessage to Mr. Sasi K. who on 2nd page of the policy in my name is obviously mentioned as "entered by".' He had himself identified in a Textmessage from his cellphone [protected] as 'K. SASI AST MANAGER ORIENTAL KOLLAM REGARDING POLICY KL 2 AQ 8411' on the 22nd. Following is the text of my complaint to his above mentioned cellphone: 'Sir I bought KL 02 AQ 8411 with a full coverage insurance P. A. Cover under Section for registered owner cum driver (CSI): Rs. 200000 and with insured's declared value 160000. You have replaced 200000 with Rs. 0 and 160000 with Rs. 0. Your new policy issued out on date 20th January 2015 in my absence I am protesting against very clearly. Please note down my complaint and realize I have gazetted officer attested color copy of the original policy in the name of MAYA SURESH. I paid the vehicle having full coverage a much higher price than I would have done if it had come with third party insurance only. If I do not have the correct full coverage policy in my name tomorrow January 23rd 2015 I will use Taxi only and will have consumer court making the one who is responsibel for the wrong attestation pay for all my transport charges. If you act at the earliest I will assume it was a human mistake only. If not, be sure that RTI ACT, Consumer complaint website, consumer court and your Delhi Head Office are ready for supporting DHARMA. I am active on different NRI websites and they will publish my complaint by tomorrow if I don't get your positive reply latest by tomorrow morning. Still hoping it was a mistake only. Regards S. Mohinder Kumar G.'. Sir, when filling the correct policy please enter my name Mohinder correctly - not the case with the recent policy. Also my cellphone [protected] please store in your database (now only filled in handwriting). Please take my complaint seriously and act accordingly at the earliest. Regards S. Mohinder Kumar G.