HDFC Bank Ergo General Insurance — Cancelled our car insurance much ahead of Expiry date and made our NCB as Zero

Address:	560076
Website:	Indian Consumer Complaint forum

Dear Madam/Sir,

This is a very serious complaint against HDFC Ergo general insurance company. We had bought our new duster vehicle in March 2015 covered by Reliance general insurace. When it was due to pay next insurance in March 2016 (March 25th 2016) we planned to take HDFC Ergo general insurance as their charges were comparatively lesser. The agent of HDFC insurance came and we gave him our previous reliance insurance for details. He calculated and we gave him the cheque they quoted for. Hdfc came back telling that Reliance are not giving the certain docs, are stating that we have claimed insurance with them. Then we talking to reliance insurance rectified things and forwarded the NCB from reliance to HDFC. Now HDFC guys come back and charge Rs. 626 extra stating we have covered 25% of NCB, this was the mistake made by HDFC people instead of covering 20%. They force us to pay Rs. 626/- instead of them rectifying the NCB to 20%. When we don't pay Rs.626/-, they have cancelled our insurance policy in the month of May-June 2016 itself. We unaware about the cancellation make multiple trips in the month of of August to December, luckily nothing happens to us or the vehicle. Now my question is, is it not the responsibility of HDFC to intimate through phone call about cancellation followed by a letter. If cancelled May-June, why did not they make an immediate arrangement of paying us our remaining balance amount back to us.

The above mentioned cancellation comes into picture only when we have to make the following years payment. I call up to HDFC customer care and arrange for a call
with the Senior and Sasikala calls me up on 21st March 2017 evening, when I question her she doesn't have a convincing answer and very intelligently makes the modification of showing the policy expiring on 11th March 2017(actual date of expiry should have been 26th March 2017) considering the Rs. 626 that we have to pay. Now pissed of with this when I go to other insurance agency for renewal he tells tha HDFC guys have made your NCB zero and you will have to go for a fresh policy which will cost us more or left with the only option of going ahead with HDFC itself for more amount than other insurance agency quoted. Which is a clear cut backstabbing to their(HDFC) customer.

Request you to take the action against HDFC General Insurance and do justice to us.

Yours faithfully
Seema
W/O SandeSha KP