New India Assurance — complaint about the flood affected new vehicle claim

My vehicle is affected in flood and it undergoes total loss.
Vehicle number: KL-46 S 43.
Vehicle purhcased date:[protected]

The insurance was taken from VW dealer itself. No the insurance team informed us that they can pay only 60%. For remaining 40% they are ready to give the vehicle.
It is not acceptable to us.

IDV value of vehicle is more than this. My vehicle is taken on Feb 2018.
It has only 6 months age. ie . in policy period of 1 year.As per the reference, the maximum amount of the claim the insurance provide in case of total damage or theft of the vehicle will be IDV value for the policy period, which is usually 1 year.

https://www.turtlemint.com/two-wheeler-insurance/articles/understanding-idv-amou...⇄

This type of incorrect information spreading is not acceptable form a reputed firm like this.
So please do the needfule for claim settlement.