[Resolved]  HDFC Bank ERGO General Insurance Limited — Reg: Problem in availing cashless claim due to wrong No Claim Bonus given by the insurance company

Address:

Uttar Pradesh

Dear Sir,

I have bought a Maruti Suzuki Swift LDI from DD Motors in Dehra dun in 2008 and got my car insured by New India Insurance Company Limited. in after purchase 3 month it got banged in Feb 2009 I claimed for damaged parts in an accident. Company noted the same in its record. Later on while renewal of the insurance policy I got call from HDFC to renew it and they offered me less premium rather then other company's with all the thing covered in insurance.
in-spite of knowing that i got claimed from previous company they given No claim bonus without mentioning anything about the same in cover note.

I have paid the account they asked For renewal and they gave me cover note without telling me that there is any no claim bonus is being given to me and I paid amount to them whatever the asked me .
Then I met with a small accident and gave my car for repairing in FAst Track Noida Sector 63, the surveyor rejected the claim with the notes that "despite taking a claim last year I have also taken a no claim bonus so this claim cannot be cashless"I had to take my car without repairing it.

And need to repair it with my own own money although i have paid premium for insurance

Now conclusion is if my car will met with major accident or stolen i can not get claim , My car is not insured with HDFC even i paid the premium they asked .
then what is the use of the insurance if we are not getting claim with an insurance company, they are making mistakes and we are suffering.

Even i am not sure what will happen in next year insurance renewal.

Kindly take a strong action against this company to save consumers' time, inconvenience and money. And also ask the company to pay my money (Premium) in full.

Look forward for your immediate action.

best regards
Firoj Khan
Policy No.: VP[protected]
Mobile: [protected]