Aviva Life Insurance Company India Complaints & Reviews

Shri R.Beri
Insurance Ombudsman
Office of Insurance Ombudsement
2/2A Universal Insurance Bulding
Asaf Ali Road
New Delhi-110002

Sub:- Regarding my Policy No NSG1192202 In AVIVA LIFE

Sir

I am submitting as under
Name Manik Singhal
Date of birth 17/11/1981
Date of commencement of Policy:05/12/2005
Regular premium amount Rs 2000/-
Frequency Monthly
I have made request to Aviva on 5/11/07 for change of frequency from monthly to yearly
in AVIVA’s Janak Puri Branch. On enquiring for the same after one month they replied that your request have not been received in Headquarters as the executive you gave request has left the organization and will be decided after enquiry and they have also requested to deposited monthly premium. Accordingly I have deposited premium for Nov. and dec.2007. in 1st week of Jan 2008 .On regular follow ups we have received a phone call from the official of Aviva accepting their fault & stating THAT YOUR REQUEST have been accepted . Hence send balance amont Rs (24000-2x2000)=Rs.20000/- to be deposited. Accordingly I have submitted a cheque No 961962 of PNB for Rs.20000/- on 11/01/2008.The Aviva authority has enchased that cheque on 16/1/08 as per detail in my my pass book of PNB and also Aviva agreed that they have enchased the amount.. Inspite of all that they have withdraw the monthly premium from my account for Jan, Feb, March - 2008..
I have enquired the same from Aviva in Ist week of June 2008, they replied that your policy is in paid up state. When I asked them that I have deposited Rs 20000/-than why this situation arises. They have answered that they have returned the ch.which I have not received till date.
One thing I want to know that why they have enchased my cheque and why they want to return after expiry of five long month that only after expiry of policy. They want to take extra money on account of late fee when I have deposited more than full year premium.
Request you to please order to investigate the matter.
Thanking you

Your Faithfully

Manik Singhal
[protected]
E, mail: manik.[protected]@tatamotors.com

I have written a letter to AVIVA on 17th July '2008 to cancel my pension policy as free look period in on and I have Right to Reconsider . When I went to their Ranchi office to submit the letter and the original policy as required, they refused to acknowledge receipt. When I met their Branch Manager, Jagdish Walia, he made me sit for 1 haour and saying all crap and finally refused to accept the documents. I felt very offended and am withdrawing all my policies from Aviva and of my family members too!!
Disgusting Co.
When their Branch Manager can misbehave with a customer imagine what would be the training and attitude of other operational staff!

Now they will make a big isue out of cancelling the policy and refunding the amount.

Please inform me the policy details of aviva life insurance of my policy number SCG 2076079 on my e-mail address.

ADVISORY : PLEASE GET IN TOUCH AT [protected]@yahoo.com FOR IMMEDIATE REMEDY AND LEGAL ACTION AGAINST AVIVA FOR MIS-SELLING, WITHHOLDING CRUCIAL INFORMATION, INDUCING POTENTIAL CUSTOMERS, CHEATING, MISREPRESENTATION.

DEAR ALL, WE HAVE ALL FACED SOME COMMON ISSUES AND HAVE BEEN WRONGED BY AVIVA BUT THERE IS NOTHING WE ARE DOING IN TERMS OF INITIATING LEGAL ACTION AGAINST THIS INSURANCE COMPANY. TRUST ME, IF WE COME TOGETHER ON A COMMON PLATFORM WE CAN MOVE THINGS AND GET RESOLUTION LEGALLY FOR OUR VALID GRIEVANCES AND TO PREVENT AVIVA FROM DOING THE SAME WRONG TO POTENTIAL CUSTOMERS IN THE FUTURE. AND LET US VOICE OUR GRIEVANCES LOUDLY, FAR AND WIDE TO PREVENT THIS INSURANCE COMPANY FROM TAKING CUSTOMERS FOR A RIDE. AVIVA HAS A LOT TO ANSWER.

WITH THE ABOVE OBJECTIVE IN MIND I CALL UPON ALL OF YOU TO GET IN TOUCH WITH ME AT THE FOLLOWING EMAIL ID AT THE EARLIEST SO THAT I CAN INITIATE WHAT CAN BE DONE AGAINST AVIVA AND NOT LET THIS INSURANCE COMPANY GO SCOT FREE. WE HAVE ALL LOST OUR HARD EARNED MONEY TO AVIVA. LET US DO SOMETHING MY FRIENDS AND I WILL DO THE NEEDFUL ON BEHALF OF ALL O[censored]S.

SINCERELY

DHIRENDRA SINGH
[protected]@yahoo.com
[protected]

I am fully agree with this. Worst service. I regret my decision for choosing Aviva Insurance.

I sent them two cheques, and they have lost one of them. Now they have put my life long policy in paid up mode. Customer care is absolutley painful- really a hope less organisation.

They are no bettter then LIC.

I completely agree with Aviva's poor customer service. I have lodged a complaint more than 15 days back and I just get assurances that the matter is under investigation. They mentioned a wrong address on the receipt & policy which was not as per the address proof. The policy was supposed to be of single premium. The policy never got delivered as the agent took the delivery to be delivered by hand and never gave it. Aviva did not bother to contact me when hey did not get the premium and converted the same to paid-up mode by adjustng premiums against the units. Finally the nits have almost gone down by 25% and now they do not agree their mistake.

My case is worst than others. I sent my premium cheque of Rs.100, 000.00 of a LifeLong Policy No. LLG1172827. Their Gurgaon Office returned it after 50 days as unpresented. I have now sent it to MD at their New Delhi office and to my utter surprise even after 30 days, it has not even acknowledged. They have also put my policy as paidup. The worst service in Life Insurance Field. Customer care is also painful - really a worst organisation.
Dr. Anil Kumar Agrawal
Mobile : [protected]

I totally agree with you. The worst service.

I am fully agree with this. Worst service for AVIVA INDIA.
now I regret my decision for choosing Aviva Insurance. the worst thing is their website www.avivaindia.com not opening it's showing below message from google

Aviva India
This site may harm your computer.
A basic policy gives you risk protection which is the minimum you need to pay. You can opt for a base policy with no riders that may be affordable to you. ...
www.avivaindia.com/general_features/faq.asp - Similar pages

You sent me two passwords to check my online policy status but none of them correct. Your site flashing wrong password.

I am fully agree about the feed back. I am also one of the sufferer of world's worst customer service provider Insurance company Aviva. Aviva always remember customer at the time of collection of premium amount but never come back with the receipt of payment after paying the premium.

I my case I get 100 of calls/SMS at the time of premium due but never get single communication after submitting the check. N no. of times I have reported to customer care but all are in vain.

I simply fedup from it and planning to withdraw my policy.

Anyone please suggest the procedures.

Bijay Kumar
[protected]@gmail.com
Mobile: [protected]

I fully agree. AVIVA is a pain in the always. Their customer service portal never works. Forget about online payment, they don't even have a premium receipt generation module. No one please take their policies any more. The *best 3rd rate customer service* I have ever come across.

I have make a request for chang of address and change of nominee, the aviva change the both but two months spend but i have not received original documents till date. I contacted with the no.2709046 ms.Deboshree, prachi and others say me that we have send the same to your address and till date we have not received the same. Its really painfull for me that we have received our cards and mobile bills in time but this customer service documents cant received till date even after i have received my payment sleep within 10 days on make of request for change of address and change of nominee

The Customer Care
Avia India Life Insurance

Sub : Insurance Premium Certificate/receipt. w.e.f. 1st April, 2008 to January'2009
Policy No.EPI-1022953

Dear Sir,

I have contacted many time for customer care, but I would not succeed to obtain the subjected PDF/soft copies for the purpose of submission to my current employer. Therefore I would request you to send us the above documents soft copy urgently. If any facility at your website to obtain soft copy of premium certificate, please let me know the website address.

Regards,

Dinesh Kumar Baghel
Mobile No.[protected]

The Customer Care
Avia India Life Insurance

Sub- Complaints Regarding Services. Policy No. WTG1584594, Client ID- 1168840,

Hi,

I am having policy with Aviva India after taking I felt that I have chosen third class service provider in insurance industry. Still I am waiting for their replies on below matter.

a) Monthly charges which company detects never being communicated to customer.

b) Anyhow if we success to pay premium amount they never send confirmation receipt till such reminders.

c) NAV summary Qtr / Half Yrly never send through email/ courier.

d) Fund switch option never works - also if there is limit of maintain min Ratio in any fund then why bloody their system taking any amount while doing fund transfer/switch.

e) The executives of Bank of Punjab ltd.(presently HDFC bank) are selling the products of Aviva, have not proper information and they are misguiding the customers.

I completely agree with Aviva's poor customer service. I have lodged a complaint many times and I just get assurances that the matter is under investigation.

Regards,

Sunny Singh
m) [protected]

I am 200% agree with this. I am also a consumer of AVIVA and now I have realized that AVIVA is very very Big CHORRRRRRRRRRRRRRRRRRRRRRRRRRRR company in this world.

I too fully agree, AVIVA makes me fool..AVIVA company executive & the broker Dr. Pramod Bansod gives me wrong presentation on the policy and I believe them and paid huge investment. Today I don;t have any option left other than to continue the stupid insurance policy and pay the huge premium. And if I go for the paid off option then they are deducting 75% of my total money that I paid to AVIVA.. does our government has any control on them.. I think I loose my all money and all has gone to Sachin Tendulkar.. This is suggestion to all new customer please please think 1000 times before selecting AVIVA or any similar companies..

Hi,

I am fully agree that AVIVA India is the most faltu company in the world. I just come from AVIVA office. I have a insurance with aviva and paying 3yrs premium. Just to know I asked them how much I'll get if I withdraw the amount as I have already paid 3yrs. He told me that they will deduct 60% of my total premium !!!
After paying 3yrs, they will not give me the total amount, rather than they will deduct 60%. But as per the representative sent by them; that time they told that I'll never in loss !!! more over he told to get the full amount I have to continue 10yrs. If I kept my money in bank that is much good than all these 3rd classes MNCs.
I suggest all the ppls think 1000 times before invest with these faltu company.

Dear Sir,
I have paid three installments in a lifelong policy, the fund value has dropped to 77% of the original amount paid in three years, there is no way I can even get this amount now as there would be further cuts if I want to opt out (as high as 60%). This is totally different to what I was made to understand by the agent, I feel toally cheated and can do nothing except see the hard earned money go down the drain. At the same time other companies are providing reasonable returns.
The e-service of AVIVA is pathetic, switch over option does not work, transparency to the money invested and returns thereof is totally missing.
Sachin Tendulkar should be sued for advertizing in such AVIVA ads, he is a mean professional with no loyalty to country/club/ or the Indians at large, surely his miseries will further add up in the IPL, as it is, he and Saurav Ganguly were a big burden to the Indian team therefore no win in world cup during their era.
DO NOT VENTURE NEAR AVIVA FOR GODS' SAKE.

I was tryed to register in website 3rd one Client ID which type of id ihave to submitt.pl tell me

the policy is sold only to cheat people

Actually you all are right these people are worst people in this world... specially one of there manager alok "alok.[protected]@avivaindia.com" .

If you done want to come to this page and write some harsh words for these GHATIYA people... Don't even take aviva policy.

Aviva India — Offices not functioning

Dear Sir:

Last two weeks I am trying to pay my premium in the Cochin Offices but it seems like the offices are closed with police protection.. Any idea what to do in this situation and is my investment safe?

stupid website i have ever seen and tried to pay three times through their idiotic website and once through visabillpay and in 21st century these are not maintaining their website properly and we having invested have to be behind them and tell atleast fifty of your freinds not to buy new policies from aviva

The Customer Care
Avia India Life Insurance

Sub- Complaints Regarding Services. Policy No. RSG1730748, Client ID- 1424152,
SENT ME LOGIN PASSWARD ID
Hi,

I am having policy with Aviva India after taking I felt that I have POORservice provider in insurance indus

a) Monthly charges which company detects never being communicated to customer.

b) Anyhow if we success to pay premium amount they never send confirmation receipt till such reminders.

c) NAV summary Qtr / Half Yrly never send through email/ courier.
KINDLY INTEMATE MONTHLY VALUE OR CURRENT VALUE OF POLICY BY SMS [protected]

Worst company to go for insurance. I am going to surrender my policy once it is 3 years

I completely agree with the above comments, Most stupid and irritating interface for online payment, Which says that you can pay your premium one day before the due date or 30 day after it now what the hell is this :)...Customer care never responds no monthly payments...There need to be a legal action on such companies...

I am a policy holdrer of AVIVA India since 2006 My policy no is 1226702.I don't know where exactly the company is lagging behind, they are having very poor custoemer services, i submitted my change of addess application form six month back but still they are unable to respond me throug my e-mail or postal adress.still i am not getting my premium confirmation receipt of last year.Company heads should think about all of these so that we, the customer are satisfied, some o[censored]s like me are join this company because of financial stability and profit but if it is going like that i don't think that in near future any one will join this company for their bettermemt of money. contact no.[protected]
please give me reply.

very unfortunate to find AVIVA driven by incompetent professionals. no amount of request/persuation can shake them of their lethargy. pemium cheque deposited in Dec last not credited in RPG1806978.Request for a password ignored despite repeated reminders.Is the senior lot listening ?

In continuation of what I said earlier, for Gods sake please take note of client's complaints seriously lest it swamps you into litigation. As it is, lots of people feel fed up with the quality of service & their patience is fast exhausting .Time to wake up & act

ha ha ha !!! Worst company which am aligned to ...

i agree with you all.further more to inform you that agent sunil kumar of aviva living in gole market has taken rs 25, 000/- in cash and never deposited and now there is no trace of him.any body who has any info red sunil kumar please share it with me.i am sure there are other people also who are duped by sunil kumar.

gurjeet singh

[protected]
delhi

I am a cutomer.iwant to pay rhe third annual subs of Rs 20000.And also wanted to know the performance of my fund.please guide me.My policy no-AEL2272343.Subodh Kumar residing at Pune Maharashtra.My e-mail [protected]@yahoo.com and mob no [protected]

[protected]@avivaindia.com
[protected]@avivaindia.com
[protected]@avivaindia.com

if above fail to resolve ur query chronologically,
then please approach insurance ombudsman
as per list in the below link
ht tp://www.irdaindia.org/ombudsmenlist_nov07.htm

hope above is of some use to some one
regards
kannan

Just two days before(on 11/06/2011) I have purchased a term insurance through online and payment already made but till date I have not received any reply or call from AVIVA'S end.I did not know my policy status. Please let me know what I will do now?
Prosenjit Biswas
Proposal No: NUP 75016301
Mobile : [protected]

Please do not go for AVIVA insurance products...please write harsh words as u can for these GHATIYA people... Don't even take aviva policy.

FALTU insurance policy...

Mahavir

dir sir/madam
i am take one term policy in aviva.before eight month, but till now did not come my policy document so please send my policy document, my details below
A.JAHABAR SADIK
29/A MEL KONDALI, DEEN NAGAR
KOOTHANALLUR, 614101
THIRUVARUR, DIST
TAMIL NADU,
MOBILE NO;[protected]

choose aviva to loose money

Here is my worst experience. I purchased life long policy in 2005 with Balanced Fund option and paid all the premiums regularly.All of a sudden, I got my fund details recently which is showing 90% units under Secure Fund(NAV - 18 Rs) and 10% under Balanced Fund(NAV - 41 Rs). With this much difference in NAV, my policy value is halved due to this blunder.
I never requested to change the fund type or received any intimation from them. When called to their customer care, they are saying we have to call only from the registered number. Why the hell they have such help desk if they cannot make security check for customers and clarify the issues. What if the registered number is stolen or lost?

M/S AVIVA,
This is in continuation of a policy complaint where INSURANCE OMBUDSMAN HAS CALLED FOR A HEARING ON 20 TH Nov 2014 at cochin.For a signed agreement of Rs fifty lakh as sum assured for an yearly escalated premium around fifty four thousand, the m/s AVIVA. company unilaterally brought down the sum assured by over 15 lakhs with the resultant sum assured being around 35 lakhs. without the consent of the consume/customer at the time of issuing the policy.Over all these four years and over period, request for reinstating the policy as per the original signed protocol, or to refund the premium was blatantly refused by m/s AVIVA.Bulk of communication requesting to solve the issue proved to be a sheer wastage of tlme and money apart from the mental strain all these four years.
Following the call by a personnel from legal dept of aviva[protected] for a settlement before appearing in front of insurance Ombudsman I had made the suggestion to settle in the following way ie (1) pay the amount in full along with interest ON calculation it will reach Rs 21600 approx(2)Pay a compensation amount for loss of precious time, money, and the mental strain :though the request to the CRO was for a compensation amount of Rs 25, 000/-an amount of Rs ten thousand in addition to the interest at 10%pa can be considered if I am not put into further difficulties.POLICY No ALA3066387.
If the company or the legal person who contacted me over phone is sincere in the action an urgrent positive response and action in the matter will be highly appreciated since the confirmation of attendance to the hearing has to be made shortly as per the direction of THE HON OMBUDSMAN.
IF agreeable the settlement amount including interest and compensation may be credited to the following sb a[c via ECS FACILITY with a valid proof thus.On doing so the original documents of the policy shall be returned promptly, Dr Santhosh kumar mn
BANK SBT sb a/c [protected] IFS CODE sbtr0000111, // micr no[protected] branch medical college kottayam KERALA

M/S AVIVA,
This is in continuation of a policy complaint where INSURANCE OMBUDSMAN
HAS CALLED FOR A HEARING ON 20 TH Nov 2014 at cochin.For a signed
agreement of Rs fifty lakh as sum assured for an yearly escalated
premium around fifty four thousand, the m/s AVIVA. company unilaterally
brought down the sum assured by over 15 lakhs with the resultant sum
assured being around 35 lakhs. without the consent of the
consume/customer at the time of issuing the policy.Over all these four
years and over period, request for reinstating the policy as per the
original signed protocol, or to refund the premium was blatantly refused
by m/s AVIVA.Bulk of communication requesting to solve the issue proved
to be a sheer wastage of tlme and money apart from the mental strain
all these four years.
Following the call by a personnel from legal dept of aviva[protected]
for a settlement before appearing in front of insurance Ombudsman I had
made the suggestion to settle in the following way ie (1) pay the
amount in full along with interest ON calculation it will reach Rs 21600
approx(2)Pay a compensation amount for loss of precious time, money,
and the mental strain :though the request to the CRO was for a
compensation amount of Rs 25, 000/-an amount of Rs ten thousand in
addition to the interest at 10%pa can be considered if I am not put into
further difficulties.POLICY No ALA3066387.
If the company or the legal person who contacted me over phone is
sincere in the action an urgrent positive response and action in the
matter will be highly appreciated since the confirmation of attendance
to the hearing has to be made shortly as per the direction of THE HON
OMBUDSMAN.
IF agreeable the settlement amount including interest and compensation
may be credited to the following sb a[c via ECS FACILITY with a valid
proof thus.On doing so the original documents of the policy shall be
returned promptly, Dr Santhosh kumar mn
BANK SBT sb a/c [protected] IFS CODE sbtr0000111, // micr no[protected] branch medical college kottayam KERALAde

Life insurance — Non Deduction of Premium from Account

Policy No: C[protected]
Policy Holder Name: Ebrahim Abdulla Thakur.
Agent Code:[protected]
Non Deduction of premium from last 8 months.
From: 15/03/2010.

I have taken Policy From AVIVA and primimum is paid Rs.2500/- by cheqe on 18/02/2008
But till yet they have not send any document Already lots of mail i had written & many time visited to aviva center, follow up with customer care but No Positive response Ihave got
I am not able to understand Now what to do ? and how to handel the matter
can any one suggest me how to write complaints to IRDA against AVIVA or any one provide better solution for the same

dear, go to the insurance ombudsman.search nearest insurance ombudsman office. first ask your agent to find out where the problem is shobhesh

Aviva Global Service — Keyboard problem

Key board is not detecting on any machines.

Details:
Machine S.No:SGH6260168
Key spare part No:382925-B31
Model:PU700AV
CPU Model No:dc7600SFF
Kindly look into this issue.

I am also a victim of Aviva mis-sell. Let's fight this together and I am more than willing ti lead this fight. If interested, please call me[protected] or[protected].

Hemant

My policy no wlg 1309405 .
t.vasudevarao, 53-30-3/14, krm colony, visakhapatnam-53013.
Pl send /ask your local executive about my policy information.Last fifteen days back called from ur head office to pay twenty thousand for the next instalment.Ihave asked to send some one or guide me after 20th of this month, while Iam in the hospatalisation due to accident.Till date no no information has come from u.Treat this as most urgent.
mobile no;[protected] pl call.land line [protected].

s i agree even i have policy and the premium date is 5 th of may and i already applied for ECS still the money is not transfered and the custcare no which is totally waste its not 24/7 and the IVER killing my cell minutes kindly take care of these issues cause customers are the back bone of a orgination

Hi,
Refer my policy RSG1667205
I am really fed up with your customer care call numbers and with your service. No one on your customer care desk picks up the number and there is no other way to contact your company. my premium was due on 27/08/2008 of 24000/- for which i had been to your office MG Road 4th floor bangalore, they were not ready to accept the cheque and secondly it was showing in their system as it was raised a request from ABN credit card, secondly i had called to your call centre [protected] to lodge a complaint for not charging the card, one Ms.pearl she was not ready to understand my query i request you kindly not to charge my ABN card and amready to give you a cheque on intimation.

Note: As i had signed the Mandate form for only last year ie 2007.

Regards
M Enayath Ulla Khan
[protected]

I had taken policyNNU14294895 . wHEN i GOT DOCUMENTS. I WAS SHOCKED TO SEE THE CHARGES ETC AND THE COMMITMENTS MADE BY YOUR REPRESENTATIVES WERE FALSE. I WANT TO GIVE BACK THE POLICY AND WANT MY MONEY BACK OR I SHALL BE FORCED TO GO LEGALLY. MY NO-[protected]

update my policy in statment

I really do not think AVIVA is any interested n addressing their ustomer greivances...
They are just a bunch money squeezers waiting to grab a man's hard earned money.

hi
as am dam disappointed with your responce for your customers .
i have given 2500/-Rs cash,my photo, all required document including my permanent address proof to yoy representative Mr Jaidev pandey who sits in Sec 18 Noida at the Beginning of last month. but now your representative is saying that your policy has been hjold by the company and reject by them. but still i have not received my 2500/-Rs as well he has not given any proper reason .

i need my full amount or immediate resonce else i have to follow another way.
waiting for your responce

hi
as am dam disappointed with your responce for your customers .
i have given 2500/-Rs cash,my photo, all required document including my permanent address proof to yoy representative Mr Jaidev pandey who sits in Sec 18 Noida at the Beginning of last month. but now your representative is saying that your policy has been hjold by the company and reject by them. but still i have not received my 2500/-Rs as well he has not given any proper reason .

i need my full amount or immediate resonce else i have to follow another way.
waiting for your responce

thank you for your prompt reply . i am giving my complaint in brief as under:-my birth date is 17/04/1958and iam not your existing customer but i had applied for the policy thrrough your mumbai agent mr. anil posteand payment is to be made by my husbands credit card with abn-amro bank whose emi is rs. 3,000/- (total amt.is rs.18,000/-it s as per your tie with the said bank as it is assured by yr. agent after confirming with yr.office but when my husband made first emi of rs. 3,000/- we come to know that my policy proposal was declined/rejected by your office (ref.policy/proposal no. aviva life ins.-[protected])and we are receiving daily harassment calls from abn-amro for balace payement towards the policy which we never received .till i sent you email complaint your mumbai agents were deceiving us that their h.o had already spoken to abn-amro bank for reversing the said amount of rs.18,000/- and aviva will pay us back our first5 emi of rs.3,000/- which was paid to abn-amro bank due to yr. mistake pl. check details with your mumbai office mr. anil postemob. no.[protected] and his sr. mr. mhendra mob.no. [protected] email anil [protected]@sales.avivaindia.com if you do not take corrective steps immediately i would have no choice but to approach proper legal forum for this disgusting treatment from reputed concern like aviva?shubha a. gadre &advocate anil s. gadre

Sir.I am Sujatha. My policy no:SVG1113048.I want to countinue my policy.How much balence is there and how many half-yearlys pendings pl give deatail in my e.mail



Thanks

Sujatha.Kassetty
MY policy no.SVG1113048

With respect sir


My name is prabhakar dwivedi .i really need your help .i taken
insurance from aviva. the insurance executive told me that pls take policy and
we will provide 34% growth in a year .its save income tax and double
your money in 5 year .but he missguide me and now i paid two year premium
and iam in loss of rupees eight thousand .then i call in the aviva
callcenter pls give my money back i dont want to countinu this policy .she
told me i cant cencell this policy for three years .and after three
year they deduct 25% amount from my account .the aviva executive didnt
told this also .iam totally fedup pls help me .pls help me sir i need
money .my policy number is WSG1432542 .iam waiting for ur reply .pls take
a step against this company .policy number WSG1432542 and my client id
is 899924.

regards

prabhakar Dwivedi

TAKEN A POLICY FROM AVIVA NO RPG1516476 IN 2007. SEC PREM DIPOSITED IN MAR 2008 RS 45000. I HAVE RECT AND BANK STATEMENT. ON 06/11/2008 .A LETER FROM AVIVA, THAT MY POLICY LAPCED DUE TO NONPAMEMENT .IS IT POSIBLE .ZAIDI LUCKNOW

dear Sir,

request you kindly let me know the exact location of Aviva branch as i have to deposit my premium for this year 2010, or please send some body at my office address to collect the premium.
thanks my no.is [protected]