HDFC Ergo General Insurance — Claims for car own damage 23122023

Address:

Tsv subbarao,Flat No 402, GMRC Fortune Towers, Jawahar Nagar, Moulaali

FROM:

T.S.V. Subbara Rao
Senior Citizen
Flat No. 402, GRMC Fortune Towers,
Near Life Spring Hospital, Jawahar Nagar,
Moulaali, Secunderabad – 500040.
eMail: [protected]@gmail.com
Phone No. [protected] / [protected].

TO:
1) [protected]@hdfcergo.com
2) [protected]@hdfcergo.com
3) [protected]@hdfcergo.com
4) [protected]@hdfcergo.com
5) [protected]@irdai.gov.in
6) https://www.consumercomplaints.in (Indian Consumer Complaints Forum)
7) [protected]@irdai.gov.in
8) [protected]@irda.gov.in
9) [protected]@kununited.com

The Officer-In-charge
HDFC ERGO GENERAL INSURANCE COMPANY LTD.
Servicing office of Insurer: 4th floor, Office 401 & 402, Kuchkulla House,
Above Wills Lifestyle Showroom, Hyderabad,
Telengana – 500029.

Broker Name: Aditya Biral Insurance Brokers Ltd,
One India Bulls Centre, Tower-1, 14th floor,
Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road
Mumdai – 400013 Licence No. ABIBL – 146/3
IRDA Registration No. 146

CAR INSURANCE CLAIMS – NOT CLAIMED SINGLE PAISE (NIL AMOUNT) SINCE 5 YEARS
WHEN APPROACHED FOR CLAIMING TAIL LAMP COSTING TO RS.1, 430/- ON 20.12.2023
WHAT IS THE USE OF REMITTING INSURANCE FOR OWN DAMAGE PREMIUM OF RS.54, 592/- (Excluding NCB)
THIRD PARTY LIABILITY OF RS.19, 321/- REMITTED – VEHICLE NO. TS08GF7881
FULLY UNSATISFIED FOR THE INSURANCE REMITTED SO FAR TOWARDS OWN DAMAGE PREMIUM
OMMITTING THE THRID PARTY LIABILITY PREMIUM ASSUMING IF ACCIDENT OCCURS
REQUEST REGARDING:

Respected Sir,

I have purchased Grand i10 Sports Automatic vehicle from M/s KUNUNITEDCARTRAX PVT LTD, 11-4-649/A, A C C GUARDS, Opp: Mehdi Function Hall, Lakdikapul, Khairatabad, Hyderabad – 500082 on 28.12.2018. So far I have remitted the Car Insurance to you as under (Since 2018, five years completed):

sl Date
Remitted Basic Premium Add on Coverages (ZD EP CM KP) No Claim Bonus Net Own Damage Premium (A) Basic Third party Liability PA Cover for owner Driver of Rs.15/- Lakhs PA Cover for Own Driver & Legal Liability for paid driver Net Liability Premium (B) GST Gross Premium Paid
1 28.12.2018 11025.00 3458.00 Nil 14483.00 9534.00 2250.00 150.00 11934.00 4756.00 31173.00
2 20.12.2019 8931.00 4331.00 1787.00 11475.00 -- -- -- -- 1033.00 13541.00
3 20.12.2020 7812.00 4724.00 1953.00 10583.00 -- -- -- -- 953.00 12489.00
4 07.12.2021 5627.00 5440.00 1970.00 9097.00 3221.00 375.00 3596.00 1143.00 14979.00
5 12.12.2022 4922.00 6247.00 2215.00 8954.00 3416.00 375.00 3791.00 1148.00 15041.00
TOTAL 38317.00 24200.00 7925.00 54592.00 16171.00 2250.00 900.00 19321.00 9033.00 87223.00

So far I have remitted Rs.87, 223/- out of which Rs.54, 592/- paid towards Own Damage Premium, excluding No claim bonus. I have not claimed a single paise since the date of purchase. On 20.12.2023, I approached the KunHydundai Service Centre for replacement of the Tail Lamp and scratches on the Body etc. under Insurance coverage. They told that
(A) If you claim Rs.1, 430/- or any amount I have to pay initially to the HDFC Ergo Insurance Rs.1, 000/- as claiming fee. This is meant for any amount of claim.
(B) Also you will loose No claim bonus around Rs.2, 000/-.
(C) Scratches on the Body paint will not cover.

The

Then I replied that what for the Own Damage Premium remitted so far by me and for what purpose it is meant. In other words, what are all the eligible damages cover for this premium. So for claiming the net amount of Rs.430/-. I have to approach the insurance company? In such cases, I have to opine that these Insurance Companies and the Government are looting / cheating the public. The Insurance Companies should be transparent and also to advertise the features of the Insurance Coverage through various modes to the Public on frequent intervals. The Government is also liable to the Citizens.

Awaiting reply from all the recipients, those are concerned / involved within the stipulated time.

Love All and Serve All.

Regards.

T.S.V. Subbarao.

Encl: All the five years premium paid PDF files.
Receipt for the Cost of the Tail Lamp