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On December 21st, while returning from Hinjawadi on the Wakad highway, I encountered a concealed pothole obscured by a four-wheeler. This led to substantial damage to both front and back rims, and subsequent inspection on the 22nd revealed an engine oil leak. On the 23rd, I arranged for my motorcycle to be towed to the service station. Despite the vehicle being under warranty and insurance, the ordeal worsened as the insurance claim process unfolded. The surveyor, Mr. Mahesh Darwatkar, provided no assistance for 15 days, causing unnecessary delays and inconvenience. Shockingly, he rejected the claim, asserting no visible damage, despite the service station estimating repair costs at 20, 000 and having photographic evidence of the damage. With a zero depreciation insurance valid for a year, only five months into its term, the rejection was perplexing. Despite reaching out to Mr. Mahesh and six other Bajaj Allianz personnel via emails and calls, my pleas for clarification or resolution went unanswered. A month later, my vehicle remains stranded at the service center, causing immense frustration and stress.
A desirable resolution would be for Bajaj Allianz to promptly reassess the claim, considering the photographic evidence and the service station's estimate. Clear communication, a swift release of the insurance claim, and compensation for the extended inconvenience would contribute to resolving the situation and rebuilding trust.
Vehicle make and model- Dominar 400
Date of filing 23rd
copy of mail sent by them
"Dear,
This is with reference to the insurance claim registered vide Call Center with claim no. OC[protected]-00005070
on 23-Dec-2023 for vehicle damages bearing vehicle number MH14KZ2431 (BAJAJ DOMINAR) under the Policy No. OG-
[protected]-00010856. We acknowledge the receipt of your Motor Claim intimation with regard to the captioned
subject and we would draw your attention to the following:
1. Immediately on receipt of claim intimation, surveyor was deputed to conduct inspection of the vehicle and to verify
cause, nature, circumstances and extent of loss.
2. During the physical inspection surveyor has observed that, there is no visible external impact to the insured vehicle
thus the loss sustained by the vehicle is not because of any of the perils covered under policy. Hence damages
claimed by your good self can only be attributed as wear and tear, mechanical breakdown or failure. As per Policy
terms and conditions under section 2.a, “The Company shall not be liable to make any payment in respect of
:(a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.”
3. Also, it has been observed that damages claimed by you are not concurrent with cause of loss mentioned in claim
form.
In view of above stated fact, we request you to clarify within seven days from the receipt of this letter as to why your
claim should not be repudiated.
For any further clarification please feel free to contact at the below contact points.
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