I took an insurance from Tata AIG GEN Insurance , in which my house , theft and electronic items were covered , My microwave was also covered , I have several insurance from several companies but never filed any claim because never needed it , recently My microwave got dismantled by some electric short circuit and as it was covered under their insurance , I got it repaired and applied for claim , See what they say after having a talk with the call center and informing them :
the damage to the Microwave occurred on 05.12.09 and you have also got the same repaired from the repairer on 08/12/09.Kindly note that the claim has been reported to us on 16.12.09 i.e. after a gap of 11 days from the occurrence of the damage & 8 days after getting the same repaired. Thus we find that the Policy condition-3 has not been observed & fulfilled which is stated as under.
And their condition was , I had to inform them via registered post within 7 days , the call center guy never told me this clause and I think no body ever in India or world reads all the clauses before taking insurance.
the call center guy filed my claim and told me to send documents , if they knew its more than seven days why did they asked for documents and I put in all the labor finding original bills couriering them documents and after that they sent me this crap email.
Beware guys " DO NOT TAKE TATA AIG GEN Insurance " , You will never be able to fill their clauses when any accident occurs , this is bull .
Its time to awake dont waste your hard earned money like this.
regards
Gaurav Was this information helpful? | 
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