[Resolved]  Bharti Axa — car insurance not received after payment

Feb 14, 2019

Updated by Pragadeeshc Transaction ID - BAXAGEMLP[protected]

Feb 18, 2019

Updated by Pragadeeshc I have taken a new car insurance now and sned an email to below ID's for full refund as the car was not covered under the insurance even for one day.Attached new policy document, Cancelled cheque and the payment screenhot for Bharati axa.Looking forward for a faster refund.
car number is KA53MC 9644

customer.[protected]@bhartiaxa.com
Customer.[protected]@bharti-axagi.co.in

Feb 18, 2019

Updated by Pragadeeshc Number is [protected]

Feb 19, 2019

Updated by Pragadeeshc Can you provide an update on when I will get refund.
I received the below email from customer care
We have acknowledged your documents and forwarded it to the concern team.You will be contacted in case of any update on it.

Feb 20, 2019

Updated by Pragadeeshc I have sent an email with subject ''Insurance cancellation Car KA53MC 9644" which has the transaction id and my mobile number
Please let me know the update on refund.

Feb 21, 2019

Updated by Pragadeeshc Can you please let me know the update

Feb 27, 2019

Updated by Pragadeeshc Its been 10 days since the cancellation request is raised and you have acknowledged the cancellation request on 18th feb.Please let me know the update here

Feb 28, 2019

Updated by Pragadeeshc Jan 29 2019-
Paid premium of Rs-13006 for car KA53 MC 9644, old policy expiry date - Jan 31 2019
Barathi Axa represetative promised that the insurance policy will be send to email in 48 hours

feb 1st 2019-
No update from Barathi Axa regarding the policy, I have called the customer care and they dont have any information about this car number and they dont find any policy with this car number in there system
Sent emails- No response for many days

feb 2, 3rd and 4th-
Tried to call the customer care but they are useless as still they dont find insurance with my car number

Feb 5th 2019-
Received an email from bagicc.[protected]@bhartiaxa.com with policy document with my car number but with following errors

Name- DURGA DEVI LAKHOTIA
Address- SAROVAR BUNGLOW TAGORE NAGAR
POONA ROAD
NASHIK
INDIA 422006
Phone Number: [protected]
EmailID: smita.[protected]@bhartiaxa.com

The above name, address, email and phone number doesn't belong to me hence the policy is invalid and my car was not under insurance cover from 1st feb to 5th feb even though I have paid the premium amount

Feb 5th 2019-
I sent an email to below email ids mentioning the errors and to send me the correct policy document
[protected]@financial-agency.in, customer.[protected]@bharti-axagi.co.in, Customer.[protected]@bhartiaxa.com

Feb 5th to feb 8th
Called the customer care to check about it and as usual they are useless and they told me to send email which I have already sent.

Feb 8th 2019
After multiple calls made by me, I received a email asking for old policy document so that they can enter all detsils as in the old policy
I replied with old policy document within 5 minutes of their email.

Feb 8th to Feb13th
Made multiple calls to customer care, as usual it was not useful as they had no clue about my car

Feb 13th 2019
I sent email to below email ids to cancel policy and refund the full emount paid by me (13006), and spoke to customer care also about cancellation.They told me to send email, which I have sent
customer.[protected]@bharti-axagi.co.in, <customer.[protected]@bhartiaxa.com>,

Feb 14th 2019
Received email asking for new policy document and cancelled cheque for refund

Feb 18th
As I have to take new policy, it took some some for me and I responded with new policy document and cancelled cheque, screenshot of payment made to Barathiaxa in email
When taking new policy I had to tell the new policy provider that my current policy is expired as I had spend time waiting that Barathiaxa will somehow resolve the issue and provide me the correct policy document

Feb 20th
No response for 2 days, called the customer care and is of no use, they told me that it is in progress, send an email to [protected]@bhartiaxa.com

Feb 28th
Refund of Rs 3647 received in my account!!!
A deduction of 9359 was made for no reason of mine.
I have paid 13006 as premium and waited for 20+ days to get the policy document and then my hopes vanished as there was no proper response from customer care and finally they made a refund of 3647 after deducting 9359

Feb 28, 2019

Updated by Pragadeeshc Provide me full refund or else I will approach Insurance obbudsman and post this in all the social networking sites including facebook
I have send this details to your email id also [protected]@bhartiaxa.com

Mar 04, 2019

Updated by Pragadeeshc Received the below stupid reply on March 2nd

., Complaint
Attachments
Mar 2, 2019, 4:43 PM (2 days ago)
to me, Nupur

Dear Sir,

We share your concern as a valued customer & apologize for the inconvenience caused.

We are in receipt of your complaint online.

Having reviewed your complaint no: 01944281.

We note that, the policy with policy no: I3405020 was issued on 01/02/2019 and cancellation of the policy was done on 17/02/2019, amount of INR 3000 has been deducted as a premium of short period according to IMT GR-24.Basis this the refund has been processed and the refund of entire premium is not possible. We regret the inability to consider your request for complete refund.

Please refer the attached clause in detail for your reference.

In case of any clarification please let us know.





Thanks & Regards,



Nupur Chaturvedi

Customer Support – Grievance Cell

Bharti AXA General Insurance

Spectrum Towers, 3rd floor,

Malad Link Road,

Malad (west),

Mumbai- 400064



Please note: “The complaint will be treated as closed if we do not receive any reply within 8 weeks for the above resolution.”

Mar 04, 2019

Updated by Pragadeeshc My reply to this

I am not satisfied with your reply, I have few question, answer me the below questions with Yes /No

Question 1-Will you consider a policy as valid if the name, address, phone number, email address in the policy document with wrong details?

If the answer is NO, then the policy which you have sent me on 5th Feb is not valid as all the details are wrong except car number, engine and chasis number.How can a car insurance policy be considered as valid if the name is different from car RC.

Question 2-If a person who is having insurance with you approach you for claim and later if you find that the Name is policy is different than in car RC, will you approve the claim?.

On Feb 5th (The day which you sent me the policy with incorrect details), I have sent an email to below email ids, mentioning the errors and you were not able to provide the correct policy till feb 13th hence I decided to get my money back and sent email to refund my money.

I want a full refund as there is no mistake from my side, I have given enough time for you send me proper document (waited for 13 days) and only after that I wanted to cancel.