[Resolved]  Bajaj Allianz — non-sanction of claim for motor insurance claim policy no. og[protected]-00000007[claim id no. oc[protected]-00007706].

Address:	712201
Website:	www.bajajfinserv.in/finance

Arup das 255/14, n. S. Road
Po-sheoraphuli
Ps-serampore
22.10.2017 dt-hooghly, pin-712223

The bajaj allianz general insurance co. Ltd
Ge plaza, airport road
Yerwada, pune-411006

Non-sanction of claim for motor insurance: case of arup das, vide private car package policy no. Og[protected]-00000007[claim id no. Oc[protected]-00007706].

Sir

At the outset, this is to inform you that i have long been a bona fide customer of bajaj mediclaim insurance, bajaj finance loan, bajaj durable consumer loan and two-wheeler insurance, apart from bajaj private car package insurance as noted above.

So far i have not only been an avid and integrated customer of the bajaj allianze, but also a satisfied customer to convince my acquaintances and relatives to go for you in their times of necessity for being insured on any front as above as offered by you.

But a sudden quirk of fate has changed my perception and seriously shaken my trust in your company which is narrated below.

On 05/08/2017 morning, i was met with an accident by a speeding truck on national highway at nabagram under burdwan-ajhapur top in jamalpur ps area at burdwan. Instantly after getting over the preliminary shock, i called from mobile no.[protected] on your toll free no.[protected] of a local resident, reporting the accident. I was told that your representative would come visiting the spot within half an hour.

But none came either at the spot of accident or at the ps. The car was towed by the police to the police station; and after investigation by them and examination and receipt of report submitted by the mechanical expert referred by jamalpur ps, they released it on zimmanama after 10 days to be towed away on my own to bhandari automobiles, a maruti service station where it is being kept till now @rs.300/- per day as garage charge.

However, by the gracious intervention of the almighty, i was saved, though my maruti alto[wb16ae0863] was badly damaged beyond recognition.

The police duly submitted their report citing my driving licence for the four-wheeler which i was holding at the time of the accident.

But despite assuring me by your representative over phone that the claim would be settled within 15 days, nothing of this sort happened.

Rather, vide email dated 21/09/2017 from mr ashwani chouhan/kolkata/claims/motor/general on behalf of your company, i was informed that my claim could not be sanctioned in view of my holding a separate two-wheeler driving licence in my name, an information which i erroneously shared with your person over phone, when he asked for the dl no. Of the 4-wheeler for reconfirmation to settle the claim.

It is informed to me that as per prevalent mv rules, i need to be in occupancy of a combined dl for both 4-wheeler and 2-wheeler, instead of separate ones.

This was a body blow to me.
Now, in view of the above, i want to put forth my case on the following points.

First, i have never defaulted on any front so far as the conditions laid down in the said policy of mine are concerned.

Second, as per your own written stipulation, i was holding an effectively valid driving licence which was duly mentioned by and incorporated in the police report.

Third, nowhere in the proposal form of the policy, i was asked to certify myself or mention against any item of query/information that i was holding a combined or a separate dl for two-wheeler and four-wheeler.

Now, when it comes to make good for the huge loss i have suffered on the force of the said insurance, your people are walking away from the stipulated norms and conditions as noted in the policy as well as within the purview of the insurance act into the motor vehicle act to decline my genuine claim on a flimsy ground not of their concern at all, nor within their jurisdiction.

As to holding separate licence, i have been holding the same since 2001.
Not only i did not know about any such rule, a majority of the people i encountered after receiving such shocking information declining my claim on this flimsy ground don’t know either.

If there had been any such pre-condition in settling claim issues, there ought to have been such clause or provision in the proposal form for the proposer to fill in.

Besides, this separate holding of dls does in no way related to the insurance and conditions thereof.

It is a clearly sinister stratagem by your people to deprive the insured of their genuine claim even after satisfying all conditions laid down in the policy.

What is more, your people defaulted by not undertaking the mandatory spot-verification and assisting me to reach the damaged vehicle from the spot of immobilization to the nearest preferred workshop as the event occurred within 100kms from the centre point of my residence, which is clearly stipulated in the said policy booklet provided to me along with the policy.

So, when you yourselves have failed to abide by your own set rules, you are not authorized to question the technicalities about holding dl by walking into mv rules not specified either in your proposal form or in the policy.

I think, the company representatives are up to defaming and depopularizing this feted company and playing into the hands of your rival ones for some hidden benefits.

In view of the above, i beseech your good senses to please immediately settle my claim as due to me without wasting further time, failing which i will not only pursue the matter legally, but also take recourse to the social media, making people wary of being insured with your company in future.

As to renewal of my two-wheeler insurance, i will be the last person to visit your premises, if this claim is declined once and for all.

Thank you.
22.10.2017
Yours sincerely
Arup das

Following emails received from your representatives —

Fwd: claim i'd oc[protected]-00007706

Oct 11 (11 days ago)


To me

— forwarded message —
From: "souren das/vso joka/profit centre/general"
Date: 21 sep 2017 17:09
Subject: fwd: claim i'd oc[protected]-00007706
To: "[protected]@gmail.com"
Cc:
Fyi

Souren das
Territory manager
Vso joka
[protected]

— original message —
From: ashwani chouhan/kolkata/claims motor/general
Date:21/09/2017 16:01 (Gmt+05:30)
To: souren das/vso joka/profit centre/general
Cc: jay kumar/kolkata/profit centre/general, mahendra ghorpade/ho-direct marketing/profit centre/general, raj kumar/kolkata/profit centre/general, sagir gogoi/kolkata/claims motor/general, chandan chowdhury/kolkata/claims motor/general
Subject: re: claim i'd oc[protected]-00007706
Dear souren ji,
As per the claim intimation & documents provided by insured, dl is not valid for the class of vehicle. (Authorized to drive 2w only)
Secondly, insured providing another dl copy which is valid for the class of vehicle and as per the rule, one person cannot carry 2 driving license.

Due to this reason we are unable to admit this claim.

Thanks & regards
Ashwani chouhan
M - [protected]

From: souren das/vso joka/profit centre/general
Sent: thursday, september 21, 2017 3:54 pm
To: ashwani chouhan/kolkata/claims motor/general
Cc: jay kumar/kolkata/profit centre/general; mahendra ghorpade/ho-direct marketing/profit centre/general; raj kumar/kolkata/profit centre/general; sagir gogoi/kolkata/claims motor/general; chandan chowdhury/kolkata/claims motor/general
Subject: re: claim i'd oc[protected]-00007706

Dear ashwiniji,
Kindly update about this claim, because customer and agent both are following up for this continuously.


Souren das
Territory manager
Vso joka
[protected]

— original message —
From: chandan chowdhury/kolkata/claims motor/general
Date:20/09/2017 19:13 (Gmt+05:30)
To: ashwani chouhan/kolkata/claims motor/general
Cc: jay kumar/kolkata/profit centre/general, mahendra ghorpade/ho-direct marketing/profit centre/general, raj kumar/kolkata/profit centre/general, souren das/vso joka/profit centre/general, sagir gogoi/kolkata/claims motor/general
Subject: re: claim i'd oc[protected]-00007706
Dear ashwani,

Please check and update.

Regards.
Chandan.
[protected]

From: raj kumar/kolkata/profit centre/general
Sent: wednesday, september 20, 2017 7:02 pm
To: souren das/vso joka/profit centre/general; sagir gogoi/kolkata/claims motor/general; chandan chowdhury/kolkata/claims motor/general
Cc: jay kumar/kolkata/profit centre/general; mahendra ghorpade/ho-direct marketing/profit centre/general
Subject: re: claim i'd oc[protected]-00007706

Dear souren,
Please follow the escalation matrix & coming forward don’t mark any mail directly to amc.

Dear chandan,
Please update the current status of said claim.

Best regards
Raj kumar
[protected]

From: souren das/vso joka/profit centre/general
Sent: 20 september 2017 18:28
To: sagir gogoi/kolkata/claims motor/general
Cc: jay kumar/kolkata/profit centre/general; raj kumar/kolkata/profit centre/general; mahendra ghorpade/ho-direct marketing/profit centre/general
Subject: re: claim i'd oc[protected]-00007706

Dear sir,
Inspection of this claim was done few days ago, but till now customer have not received any communication from our side. Everyday customer is calling the agent for the claim status, this imd is a regular good business depositer. Kindly communicate what is the status of the claim, and where it is pending.
Regards
Souren das
From: souren das/vso joka/profit centre/general
Sent: wednesday, august 09, 2017 2:08 pm
To: sagir gogoi/kolkata/claims motor/general
Cc: jay kumar/kolkata/profit centre/general
Subject: claim i'd oc[protected]-00007706

Dear sir,
This claim was lodged by customer few days ago, till date no response from our side. Kindly confirm the customer when we will send somebody for claim survey.. Some pics of the vehicle are attached here. Please follow up urgently.


Souren das
Territory manager
Vso joka
[protected]