Coverfox — Claim not settled

Address:

122001

I have policy from kotak insurance. They are telling i took claim on 1st year and not in 2nd year. So as it is of 20% ncb values. But in my policy it is 25%. Please fix the issues. I have taken 3 claim on 1st year of policy and no claim in 2nd year. But the agent give me 25% intead of 20% of ncb value.
Now the kotak guys are refusing to settle down the claim. Please fix this confusion as soon as possible.