Cred — policy no - [protected]p[protected] | request for rectification of policy start date motor insurance policy purchased via cred

Ome2022

from Badlapur, Maharashtra

Nov 18, 2025

Address: Cred Head Office Address No 1198, 3rd Floor, Salarpuria Emporium, 1199, 100 Feet Rd, Indiranagar, Bengaluru 560038 India

I am writing to formally request the correction of the policy commencement date on my motor insurance policy purchased through the CRED application.

Reliance insurance policy number[protected]
United India insurance number - [protected]P[protected]

Details:

Policy Purchased On: 29 October 2025
Policy Issued By: United India Insurance
New Policy Purchased From: Cred App
Current Policy Start Date Mentioned: 02 December 2025
Previous Insurer: Reliance General Insurance
Previous "Reliance" Policy Expiry: 18 October 2025

CRED support has reviewed the matter (Ticket no –[protected] and has informed me that the end date of my Reliance policy has been incorrectly updated by the Cred Team in their system.

There appears to be a material discrepancy between the date of purchase and the policy start date recorded in the issued document. As a result, this creates an unwarranted break in insurance coverage, which may adversely affect my insurance continuity benefits (including NCB and risk coverage).

CRED team have therefore advised me to contact United India directly for rectification; however this issue is a direct consequence of an error on CRED’s platform. It is CRED’s responsibility, not mine to liaise with United India and rectify it. Redirecting me is unacceptable. I expect immediate action from the CRED team.

I strongly request and expect the policy start date to be corrected without delay. The start date should reflect either the actual purchase date (October 29, 2025) or the next day, as per standard insurance guidelines.

This correction is essential to ensure continuous insurance coverage without any break-in-period.

Attachments:

1. Previous policy - Reliance policy document

2. Current policy - United India policy document

Sincerely,
Omesh Shivalkar

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Nov 25, 2025

Updated by Ome2022 Hi,

This communication serves as a formal notice regarding the serious negligence and mishandling of my motor insurance policy by CRED, which has directly caused financial loss, emotional distress, and obstruction of my legitimate insurance claim.

Please note the following facts:

The accident took place on 18 November 2025 on Badlapur–Barvi Road, where two stray dogs suddenly crossed from the left to the right side of the highway. The animals came directly in front of my moving vehicle, resulting in an unavoidable collision. The vehicle lost balance and sustained significant damage.

I duly submitted the claim form to the insurer on 21st Nov 2025 Claim form is attached.

Despite having successfully paid the insurance premium on 29 October 2025, I was informed by the insurer that no active policy coverage existed. Upon investigation, it became clear that this issue has arisen purely due to CRED’s failure to correctly capture my policy details.

As a direct result of this error, my vehicle currently at the TATA service center in ambarnath has not been repaired, as the insurer cannot process the claim without valid coverage. This has placed me under severe financial strain, as I am short of funds and unable to proceed with the repairs independently.

Your negligence has caused me to suffer:

Financial losses

Delay in essential vehicle repairs

Significant mental stress and inconvenience

Loss of trust due to what feels like deceptive handling of my policy, to the extent that I feel cheated by CRED

Even if the insurance date is now corrected, the financial and emotional damage has already occurred. For this reason, I hereby request:

Immediate rectification of the policy details and confirmation of valid coverage;

Immediate coordination with the insurer to ensure smooth processing of my claim;

Compensation for the inconvenience, delay, financial hardship, and stress caused due to CRED’s mistake

Important attention - While this incident pertains to a car insurance policy, I wish to draw attention to the seriousness of CRED’s negligence. If such an error had occurred in the context of a life insurance policy, the consequences would have been far more severe and irreversible.

Sincerely,
Omesh Shivalkar.