| Address: LIJU LS, TC-53/335,, ADIVILLA,MANKULAM LANE, BANK COLONY ROAD, PAPPANAMCODE |
Subject: insurance claim of ignis amt klo1 cf 4394
Sir
Subject: insurance claim regarding policy no.2311/61110420/00/000 of maruthi
Insurance broking pvt ltd
I am working as assistant executive engineer in corporation of thiruvananthapuram under government of kerala. Our office was declared as kovid 19 essential service during the lock down period. So i have to use my car ignis amt bearing registration number kl01 cf 4394 during these period. I have purchased this vehicle from nexa sarathy and the full cover insurance policy was also taken from nexa sarathy. (Policy no.2311/61110420/00/000)
When i was getting back from my office to home on 28.04.2020 evening, it was raining heavily. Initially i didn’t have any problem when i was driving except at a point where the water was little deeper than what it looked to be on the road. There are several vehicles on the road and i just follow them. Suddenly my vehicle stops and the engine turned off. This incident was reported by asianet news channel on 29th april. When the car stops i contacted with the person (Ranjith) whose number was printed on the policy document. Mr. Ranjith advised me to don’t start the vehicle and i follow his instructions. I never tried to turn on the vehicle. Later city traffic police towed my vehicle to a safe place and the mechanic from sarathy pappanamcode came and inspect the vehicle. They arranged one towing truck and the vehicle towed to sarathy pappanamcode workshop.
On 09.05.2020, sarathy pappanamcode informed me that my vehicle was damaged due to hydrostatic lock in the heavy rain and the engine damages cannot be admitted since the policy doesn’t contain engine protection cover. The cost of cleaning charges and engine overhauling charges except any spare parts can be allowed.
It was clear in my policy document that, my policy covers loss or damage arising out of fire, explosion, lightning, theft, flood, riot, typhoon …etc.in my policy document nothing mentioned about the exclusion regarding hydrostatic lock. I have trust and belief in your company so i opted for maruthi insurance broking pvt ltd for my car policy even better policies are available outside with lesser premium. Sarathy pappanamcode also inform me that the approximate amount for the repairs works comes to be around rs. 84, 000/- and they requested my consent for the repair work under payment basis. I am herewith attaching the estimate submitted by sarathy pappanamcode for information. I am a maruthi suzuki owner for the last 10 years. This was the first bitter incident from your side.
As i mentioned above, i am a government essential service person and i have to do various kovid 19 related works urgently request you to do the needful works required for the smooth functioning of the vehicle at the earliest under claim basis.
Sd/-
Liju l s
Adivilla, bankcolony,
Pappanamcode, thiruvananthapuram
Kerala. Mobile: [protected], [protected]
Maruti Insurance customer support has been notified about the posted complaint.