[Resolved]  Reliance General Insurance — Cheating in IDV and Coverage

Address:

East Delhi, Delhi

I (Sandeep Gupta) bought Comprehensive Car Insurance Policy (Policy # [protected], Cover Note #[protected] for my Car (Santro DLC AT 2453) from your company in July 2009 and I find a mistake in the policy sent to me and there is clear case of cheating either by the agent or by the company itself.
I bought this policy from Mr. Tarun (Mob: [protected]) on 02 July 2009 who visited me personally to sell this policy.
When I bought this Policy, I was given the IDV of Rs. 2,75,940/- By Mr. Tarun (including Rs. 4000/- for Body color bumpers as my car is XL model which comes with black bumper by default however I exchanged them with Body color bumper from the company at the time of purchasing this Car). Including everything (Insurance for Body color bumper) I issued him the cheque of Rs. 5813/- drawn on Axis Bank.
Now here is the complaint:

First It took long time to receive this Policy cover Note from you guys. I received it only in September 2009.
Secondly (most Important) When I received the Cover note, The IDV mentioned was only Rs. 2,71,940/- and there was no mention whether the Body color bumpers are covered or not. Considering that company must be doing right thing and I will not be cheated like this, I did not take any action.
Recently when I Tried to obtain the claim on my Car after accident, I was told that the body color bumpers are not covered and I will have to pay for the paint of bumpers, I was taken aback by this information and realized that I am cheated by one of the largest Organizations in India.
My Car is under Repair right now with MGF Hyundai (PatparGangh, Delhi) and the Claim number is [protected]. It was assigned to Mr. Vineet Singh[protected] Mob: [protected] for survey which he has completed and approved most of the thing except Bumper paint since it was not covered in my policy by you guys.
I have called your customer service yesterday and Spoke to a guy called Prasad who registered my complaint (Complaint # 1139195).
I am attaching the Scanned copy of Proposal cum cover note given to me by your agent at the time of buying this Policy also the scanned copy of the cover note sent by the company to me.

I request that this is taken on Priority and the IDV should be revised from the Policy start date and my claim should be processed accordingly ASAP as I need my car back ASAP. This is to inform that I am sending the hard copy and soft copy of the same Email to Insurance Ombudsman as well and will any route I have to get the claim which I deserve to get and if required will take the company to consumer court and will write about the same to every open forum, Facebook, orkut, twitter and every other open forum if the necessary action is not taken ASAP.

These people has replied with the comment " We would like to inform you that, as it is a private car, we are unable to cover the bumpers".
They are useless even after sending the scanned copy of the cover note given to me by their agent, they refused to entertain the same and you all know what kind of service you can expect from companies like that.

Now I have also written a formal letter to them and asked them to reply in 10 days and if they dont reply positive, I will approach Insurance Ombudsman and consumer Court.