[Resolved]  Cholamandalam — Non payment of claims amount

I had a motor insurance policy from Cholamandalam. The cheque for premium given bounced due to lack of fund on the partcular date. On intimation I immediately paid the premium with fine.

In between I met an accident, however Cholamandalam, declined to pay the claim, citing the reason of checque bounce and policy discontinuation. Further they took more than 3 months to issue me a new policy.

Please let me know, If they can discontinue a policy for premium cheque bounce without giving an opportunity to the customer, also while collecting a fine for checque bounce.