I have a car insurance from iffco tokio through tata. My hexa car after a minor collision during parking suffered damage to the bumper and headlight. The visible damage to the bumper was not much. The tata workshop informed that though the damage is not visible the internal damage to clamps and wiper water circulation is extensive. The claim was filled. The assessor of offico tokio initially denied the claim and after a talk gave a partial approval of 10% of the estimate. The whole conversation was demeaning as if the customer is a liar and this is a negotiation. Offico tokio and the surveyors are fleecing customers they don't accept claims and find hard to believe reasons to deny in-fact it is the onus of customer to prove damage. Either the surveyors are not educated not they understand the automotive structure or they have been told to deny everything.in disgust i withdrew the claim and payed from my pocket. Calls to customer care is completely a waste of time. I actually have received a call after withdrawal of claim asking me how the accident happen.in fact the surveyor was actually so stupid that he justified only in case of major the damage can be accepted. So according to iffico tokio only if you suffer a major accident breaking a arm or leg that a claim should be filled. Was this information helpful? | 
