Maruti Insurance — avoid to cover multiple damages

Address:

New Delhi, Delhi, 110017

Sir,
I hitesh sharma want to lodge a complaint against “the new india assurance co. Ltd.”. I have maruti swift zdi which is insured through the above mentioned company since january 2015 and further renewed every year. My car is insured till january 2018, policy no.[protected] with zero depreciation cover. So i am paying higher amount as compare to normal insurance cover.
My car got hit by three sides due to sudden break by 3 consecutive cars in my front and 1 bike hit at my back and when i tried to save the accident by moving the car by my side the running board was also affected by the laying stones near the divider (As some metro construction was going on) on 28th september 2017. I went to the bagga link maruti service center, vasant kunj, new delhi on the same day and claimed for the insurance for front, back and side running board of my vehicle. They kept my car and asked for car rc, insurance papers and my driving license, which i submitted at the same time. I was told that the insurance company survey will be held and they will confirm that what all will be covered under the insurance. I did not have any call from the insurance company but i got the sms from bagga link service center with ref no. Jc17009191 that estimated date of delivery of my car is 5th october 2017, and they have received our vehicle to satisfaction. But on 30th september 2017, i got the call from the bagga link service center and they conveyed that only front side of our car will be covered.
Then i spoke to insurance company’s customer care no. And they told that for full cover i need to give the fir report and they are unable to cover multiple damage ever. I was not told to submit fir report on the same day when i got the accident, now after 2 days how can i file fir for back date? I have claimed for the insurance for the first time in three consecutive years and now i am so much clear that the company is not going to execute my claim ever, which is really very disappointing. I want to take some strict action against this behavior of insurance company.

Regards,

Hitesh sharma
Mob : [protected]