Bharti Axa — bharti axa : fraud car insurance provided, worst after sales service

Address:

226010

Hello,
I hold a motor insurance policy with bharti axa, recently i have been victim of a fraud which was totally a fault of wrong values of selling policy by bharti axa, their sales people are full of lies, and the after sales support is below average, i am getting no solutions to my issue from the company and their guys are just wasting my time, the details are as follows.

Name of the insured: jaikant singh
Period of insurance: december 26, 2018, 0.00 to midnight of december 25, 2019
Vehicle make/model: hyundai grand i10 magna 1.2
Rto city: lucknow
Vehicle registration no. : up32jm5726
Vehicle registration date: 03/01/2018

Last week my vehicle was damaged due to an accident. So i left my car to the workshop for repair work. Your survey inspected my vehicle on the next day and passed the claim which was informed to me by the service center, the next day i got another call from the service center, informing me that you not eligible to claim. He asked me to talk to the surveyor mr. Irfan who told me that "my policy says ncb discount is 20%, but you had claimed 1 time in your previous policy”.

Now please note that my first policy was done by future genrelie and when i was about to have my insurance renewal then i met mr. Dhruv wadhawan who is a relationship manager (Hdfc) for my company, he told me that he can get me a better deal and service than future generali and offered me a lesser amount premium (Rs.700 lesser) than what i was entitled to pay to future generali after not being qualified for the ncb, i told him many times that i have already claimed one insurance last year so i am not eligable for ncb and he said that mr. Saurabh (From bharti axa) who is will do my policy has a tieup with his company (He said bharti axa and hdfc have a tieup) has already considered this and offerd me a better deal, i trusted dhruv and saurabh on this and this was my only mistake.

Now back to last week, after hearing this from the survey guy, i checked my policy and to my shock yes it was mentioned that an ncb has been granted, i immediately called mr. Dhruv and he made a fool of me that he is resolving it for 2 days, then he passed me mr. Saurabh's no. And he too did the same thing and was convincing me that these mistakes happen, all this while my case is in the service center yard and the insurance company just took my 17 thousand rupees and vanishes, what kind of fraud is this.

I need a solution to the following questions :

1. How does bharti axa allows such kind of frauds in the name of a better deal, do your sales guys have no shame?
2. If your systems can detect now that i should not be provided claim due to ncb taken, why were you not able to detect this earlier and why did you provide me ncb discount and your guy did my policy in the first place?
3. You never informed me about this issue till date, until and unless i approached you?

Now the best part please pay attention to this :

While i started checking my policy, all the information apart from my car no. And my name is wrong, your guys asked me for a copy of my previous insurance policy and rc, and they were not able to copy simple text from it, do you employ people who can't read and write basic english? The following information was found wrong :

1. Phone number
2. Email id
3. Address

Mr. Saurabh informed me that there was a letter sent to my address regarding this issue and it was received, the address mention in the policy is of an empty plot near my house, and don't know who received the letter there, before resolving my issue you need to change employees like these and you courier agency too.

This is my last hope to check bharti axa's ethics and values, i have had a very bad after sales support and experience with this company, and to my surprise i am not the only one with this issue when i checked about it online, if not resolved i will have to head to consumer court.

Final word from my side :

Either you approve my claim or you return the amount which i paid you for an insurance policy.
I am a very senior member of my company (A pvt ltd it firm) will never recommend other employees to take any policy from bharti axa.

Regards,
Jaikant singh
[protected]@gmail.com
Lucknow