[Resolved]  Landmark Insurance & Bharti Axa General Insurance — Torture in getting assistance for payment of shortfall in Car Insurance

Address:

Thane, Maharashtra

TO WHOM SO EVER IT MAY CONCERN This is to bring everyone's kind attention that I bought an insurance policy for my Car from Landmark insurance(see the attached) in the month March 2015. But in the haste of selling policies the landmark insurance executive never asked me any questions and gave me a proposal for my car insurance which I accepted. I got the policy as committed. I received a letter from Bharti AXA on 24th-Apr-2015, regarding WRONG NCB DECLARATION. Stating that if they do not receive the shortfall in payment by 22nd-Apr-2015, then they would be constrained to modify the policy for a short period. My questions to BHARTI AXA executives/officers/directors is, if you are so particular about the date of payment, then you should be ensuring that it reaches the concerned with in the said timelines. i.e. you should have used registered post or you should have checked the POD from the courier company before modifying my policy. Moreover BHARTI AXA should be talking to their so called policy selling partners "Landmark Insurance" about the issue rather than directly putting an allegation on the customer for "WRONG NCB DECLARATION" I treat this as an attempt to spoil my character. After that, I contacted BHARTI AXA for the payment of shortfall in the premium (tried for almost 2 weeks). Every time I was said that someone from BHARTI AXA would call me and guide me on the same. It's a kind of mental harassment to the customer who is begging to pay the premium but not able to get hold of person who can guide him to do so. I even requested the executive that there is no need of callback, just let me know the date & time & I will call BHARTI AXA for receiving all sort of guidance in this regard. The Executives of BHARTI AXA every times apologiesed for their inability to fulfill their commitment of contacting me thereby changing the definition of word apology. I often keep on hearing that calls are recorded for quality purpose, seems like a big joke with customers, as no one could figure out the frustration of a customer trying to pay the shortfall in premium. I have given up on following up with BHARTI AXA… Experience with Landmark Insurance…. I thought of seeking help from Landmark insurance as they were the one who got me in this situation. I contact the Landmark insurance head office at 9:50 am Saturday(02-May-2015) and narrated the entire incident, just to know that my problem cannot be resolved from head office as I am from Mumbai and need to be sorted out by Mumbai office. A suggestion to Landmark Insurance from my end is, if you cannot serve a customer on your global helpline then better have a separate helpline for Mumbai. The customer support executive at Landmark assured me that someone (Suresh Salunkhe) from Mumbai would call me to resolve my issue. Till 11:15 no one called me . I again contacted Landmark insurance head office, this time a gentle man assured me that I would get a call back within next 10 mins. Again no one called me till 2 PM. I again approached Landmark insurance head office for assistance and got to know that they have already mailed my concern to Mumbai and it is Mumbai to take action as the head office has done their part of JOB. A suggestion to Landmark from my end is if your executives do not read mails then you should not be using this medium as your internal communication channel, better talk to each other thereby ensuring that you do not get the customer HYPER. I got the contact detail of one Gentleman called as Sachin Shelar ( Sales Head - Mumbai) . I called him immediately to get someone help on this. He said he is driving and would be reaching office with next 5 mins, he would then talk to me. After 10 mins, I received a call from Mumbai - Landmark insurance office and I had to narrate the entire case. I also came to know that, though my policy time frame has been reduced to Nov 2015 instead of Mar 2016 and I may face difficulty if at all I claim for any damages. That was really shocking for me to know that. SUCH A BIG RISK AGAINST A SHORTFALL OF Rs. 1331. (That too because of you guys) A suggestion to Landmark from my end is to pass on the narration so that customer need not narrate the issue several time thereby getting the customer further HYPER. The executive had no answers to any of my questions and replied me that she would arrange a callback with me and concerned department. On my request she agreed to arrange a callback at 5:00 PM as I had to rush for the office meeting. Again there was no response from Landmark Insurance, I tried calling Mr. Shelar (Sales head - Mumbai) on his cell, sometimes around 6:00 PM . I tried for 5 times, Gentleman had no courtesy to even pick up the call. I messaged him, still no response. It's hard to believe that he never looked at those calls and messages. A question to both BHARTI AXA & LANDMARK INSURANCE, is there anyone really interested in resolving the issues. OR you would continue to fool & cheat customer with your collaborative effort.