Tata AIG Insurance — tata aig car insurance - dubious policy issued - premium collected in full & policy abruptly cancelled by tata aig without intimation

Address:

Bangalore, Bangalore, Karnataka, 560102

14th March 2019

Dear Sir / Madam

Tata Aig has sold their Comprehensive Car Insurance Policy on 27/8/2018 and has collected the Full & Final Premium Amount of Rs, 14, 903 by providing us the Online Payment Link and collected the Premium amount from our Internet Banking Account on 27th August, 2018.

After due collection of full amount, Tata Aig has issued the Policy Cover Note and has acknowledged the payment by issuing the Original Payment Receipt.

After 8 months of Silence, Tata Aig's Authorized Signatory and Senior Management Personnel wake up suddenly and send us a Back dated letter dated 27/8/18 by "Speed post" on the 6th March, 2019 stating that our CAR Insurance Policy has been cancelled as our HSBC Cheque has Bounced

Tata Aig's Authorized Signatory (Undersigned Nameless Person) has Back dated the Cancellation Letter with false claims and sends the Cancellation Letter to RTO Bangalore stating that the Cheque has bounced so the Policy is no longer valid from the date of inception.

Tata Aig and their Senior Executives have maliciously framed us and have intimidated and threaten us to pay additional monies for re-instating the Policy, chq Bounce chages and Vehicle Inspection charges.

Note: *. Interesting twist is we do not have HSBC Account nor issued them HSBC Cheque as payment was made ONLINE Thru Internet Banking.

For fault of ours, Tata Aig has cancelled the Ongoing Comprehensive Car Insurance Policy as per their own Terms & Conditions.

As the Payment was collected ONLINE by Tata Aig and We have NOT issued Premium Payment Chq NOR Defaulted on the Premium Paid Amount, we do not understand why Tata Aig has framed us in a illegal way and made us loose our respect and face value by sending the Cancellation Letter with intentional vengence and misleading wrong information to RTO, Bangalore?

As a basic courtesy Tata Aig's, Customer care Head, Customer Support, Sales or Audit nor Billing nor Legal, Grievances, nor the Authorized Signatory have bothered to call us or send us SMS or Email or send a letter prior to cancelling our Valid Car Insurance Policy.
This shows Tata Aig's arrogant company culture with poor work ethics and professionalism with heavy handedness to threaten customers by writing wrong & misleading information of Chq Bounce issue to RTO.
We wonder why and till date Tata Aig has not responded to our repeated requests sent by email to provide the proof of Chq Bounce.

Please advice what is the legal action we can take on Tata Aig and their Sr. Management Teams and how do gain our lost repute with RTO?

Soon after we received the Back dated letter 0f 27th August, 2018, delivered to us on 8th March, 2019, we raised complaint on 9th March, 2019 and were provided complaint # [protected] and several mails to Customer care, Customer Support, Head customer care, Grievances and Policy Issuing Dept to provide Chq Bounce details are unanswered or committed till 14/3/19.

This is very unprofessional of Tata Aig to scoop to such low standards and operate like a Thug cultured company by intimidating and threatening customers by issuing polices, receipts and suddenly cancelling Policies as per their Company's whims & Fancies without any prior intimation or giving us a chance to prove that we made payments.

This is extremely annoying and disturbing that if anything unforseen issues happen would Tata Aig be responsible to take the Responsibility of Precious life and damages?
Please advise us!

We regret for having taken taken Tata Aig Insurance by risking our Life and also third party consequences as the company has not committed their stand nor responded why they have cancelled the Policy without any prior intimation and issued show cause Notice for the Illegal claims made in their Cancellation letter without mentioning the Bankers Cheque, Cheque issue date, Branch and Amount till date?

We are still chasing various Tata Aig's teams to find out the truth and reasons for Cancellation & also for writing illegal letters to RTO.

Truly hope Tata aig, their cronies, brokers, agents and money collection thugs read this message and change their attitude towards customers

Any advice and help on this ongoing issue is highly appreciated.

Thanks / Thimmaiah