IFFCO Tokio General Insurance — behave of surveyor

Address:Gurgaon, Haryana, 122001

Date of Accident : 18/09/2018
Communication over Phone : 01/10/2017
Policy No: M3032800
Claim Number : 1-UNAVZDX

Unfortunately I met with an accident on the same day when the IFFCO TOKIO policy inception (start) date i.e. 18/09/2018 and just because of this I am struggling badly to approve the claim, I didn't wanted to get into any mess so I immediate called police emergency number 100 and also intimated the incident to IFFCO TOKIO customer care on the same day. I am attaching my call history screen shot of 18th Sept 2018 also for ready reference.

Since I have purchased this car and I have always opt for zero depreciation comprehensive policy by paying higher premium so that I feel safe and peaceful, but now when I need support from the insurance company, I am struggling like anything.

I am very very disappointed with the behave of surveyor, I had word with him over phone on through customer care call, His name is Mr. Satish. He is literally mentally harassing me by blaming, that I am lying on everything about the accident. I found myself completely helpless. There are n number of times while talking he is trying to convey me that I am liar, cheater etc etc. He is just stealing my pride/respect. The approval I got is just for name sake, and this approval the Surveyor is not giving me my right, it's like he is doing some favor to me. He was giving me warning, that he will reject the claim completely. Is that How Iffco Tokio, treats its customer?

In between the call, He was claiming, Accident didn't happened on 18th September, I have given him police emergency number call history of 18th of my phone. I requested him to talk/communicated with police constable who handled this case, on 18th and take the information about the damages happened to my car, on this he started saying that police will favor me as I have some relation with them. it was like on every point he is right and I am wrong. He tried to force me the approval on whatever he has decided, he was not ready to listen on any point.
He was claiming I have intentionally not taken claims from my previous insurance companies. I have taken multiple claims every time 2012 to 2014 and next time I have taken claims in[protected].[protected],[protected] was fortunate for me.
According to him if a truck hits from right rear side, front glass can't break, until or unless other glasses breaks. Truly speaking, I didn't noticed the glass break at the time of accident, but I noticed it next day in the morning when the crack(2-3 inch from bottom right corner) was propagated to the noticeable state, Between 20th to 25th I drove my car almost 1000 km from Gurgaon to Amritsar and back, in this journey this crack become (15-20 inch). I don't know why other glass didn't break or crack and why front glass got the crack.
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Oct 08, 2018
Updated by xenthik
I got following response from Surveyor : as per claim for and cause of loss a truck hit iv from rhs for saving insured turn lh and hit with another auto and due to impact from rh rear side by truck front windshield glass damaged.
while i surveyed this car i found rh rear side damage are fresh and on lhs damage are old and rusted, front windshield glass damaged by any flying stone. these all damages do not co relate with cause of loss and all multiple damages so not allowed. i also request to insured for meeting at workshop for clarification.
Oct 08, 2018
Updated by xenthik
My Response to IFFCO-TOKIO: Personally I don't want to get in any argument with you, We already had enough on our last telephonic conversation which is on 1st of October. I agree that you requested for meeting at workshop for clarification on 3rd of October, Where as I wanted to meet on 1st of October, So that it won't further delay the claim process.

I hope you have taken the photograph. please crosscheck :
I am really wondering how you are concluding that front windshield glass damaged by any flying stone. Stone don't fly from their own, right ? please check again photograph, you will notice that crack started from right bottom corner, of the glass, If i go by your theory of flying stone hits; it will hit either in between or top areas not at the bottom right side corner, and there must be some chip on the glass from where the crack is started? Moreover stone hitting is also an accident and ultimately it damages my vehicle, and I expect insurance company to help me in this situation? (As such it didn't happened in my knowledge as I mentioned earlier, I didn't noticed the glass break at the time of accident, but I noticed it next day in the morning when the crack(2-3 inch from bottom right corner) was propagated to the noticeable state, Between 20th to 25th I drove my car almost 1000 km from Gurgaon to Amritsar and back, in this journey this crack become (15-20 inch). it would be more helpful if you give me some solution of the cracked glass under my zero depreciation policy).
As far as LHS damage is concerned, I claim for the cracks came on paint of quarter panel just below the petrol tank, which came after the hit of auto on RHS.

With my recent experience, I understood their is zero benefits, of having comprehensive zero Depreciation policy from IFFCO TOKIO.

I spent almost 8000 to buy the policy, I met with the accident, total bill of repair is almost 14000, out of this I am paying from my pocket (8700 to Pasco for RHS repair and 1000 as file charges to you) 9700, and IFFCO TOKIO is paying[protected] = 3300. and and Front Glass is still not fixed and I lost NCB as well.

For the claim settlement, you are keeping all the right with you. Just sucking our hard earned money.
Oct 10, 2018
Updated by xenthik
According to Satish Ji, front windshield glass damaged by any flying stone in the below mail.

I am attaching the pics from inside and outside of front windshield glass and highlighting the area from where the crack is started an ended, and please review again and give neutral justification that this damage is made by some flying stone. As per my statement, I notice this crack next day of accident i.e. on 19/10/2018, it started from the bottom right corner, I feel it came because of the sudden jerk, when truck hit my car from the right side.

Complaint comments 


Dear Sir/Madam,

I have a bike and insured from iffco tokio.i take a claim at this policy past two month.this policy is not cashless.I paid claim amount rs.38300/- but now i recieved 30000 rs only.this payment is very short .So plz help me.
Thanks & Regards
I have worked for Iffco Tokio General Insurance deputed under Ma-Foi Consultancy (RANDSTAD) since 2007 to 2012. Company working days was 5+2. But we have to work for every saturday including some sunday. I have requested for Iffco Tokio office & also requested to Ma-Foi. But no one is ready to entertain. Still my wages is pending...

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