[Resolved]  Tata AIG General Insurance — How the customers are getting trapped

The copy of a request letter sent to TATA AIG [protected]@tata_aig.com on 07th Jan 2009 is appended below and I hope it is well self explanatory.

     I hereby request you to spare some of your precious time to go through the following matter and do the needful at the earliest :-

1.     Upon seeing about the TATA AIG  on the IRCTC site, applied for the policy through internet. One of your Officer  contacted me through my mobile and after verifying my particulars, the first premium of Rs. 10/= had been deducted from my ICICI Credit Card on 30th October 2008.  Even though Your Officer had assured that before deducting the second premium, will be get it confirmed once again, still the amount of Rs. 10/= had been deducted from my Credit Card on 18th November 2008.

2.     On 12th December 2008, Friday at 1709hrs, again one of your officer had contacted me from Tel No.[protected], asking about the third premium reduction.  Due to not having my Credit card with me at that time, I had requested him to call me on next day. Later he contacted me on 13th December, Saturday,   at 1529hrs from Tel No.[protected].  After listening all the relevant information about the said policy from him, I finally requested him to discontinue the policy.  Whereas I found Rs. 701/= had been deducted from Credit Card A/c on 27 December 2008.

3.     I contacted your Customer support centre on 29th December 2008 at 1930hrs (Tel No.[protected] and explained about the incorrect deduction of Rs. 701/= against the third premium, even after opting for discontinuation of my policy.  The Officer who was responded me given me a complaint No. 765376 and conveyed that for refunding the money I have to write to customer support centre.

4.     On 30th December 2008, Tuesday,   at 1420hrs I got a call from Tel No.[protected], saying that the premium amount of Rs. 701/= which was got debited from my ICICI Credit card had been credited back..

5.     But till today the said amount of Rs. 701/= had not yet been credited into my credit card account.  Till now I was waiting for my credit card account updation.

6.     With the above explanations,   I hope, the problems  have been well elaborated and helped you to understand.  I hereby request you to look into the matter and highly appreciate if the third premium amount of Rs. 701/= be credited into my Credit Card amount and thereby discontinue the policy.  And also I realize now that why some of my friends had opted the same policy and later discontinued.  I really can't imagine of such mistakes from TATA AIG, being one of the reputed firms in India. 

Thanking you and looking forward for a kind and favourable action to refund the money back to my credit card account.