New India Assurance — Mobile theft claim not passed

Address:	400097
Website:	biscootsecure.com

Issue - Insurance money taken, device insured by the company but claim not given when device got stolen
Claim intimation no. [protected]
Residence - Indore(M.P.)

I had purchased the 'Apple iPhone 6s" and since it is an expensive device, I got it insured by the company. The company's service provider took a huge amount of money and insured my device and I was not informed about any terms and conditions related to the insurance(Since the device insurance is not yet a widely used service, a common man does not have detailed information, and I felt that my device was insured successfully). When my device got stolen on 1st August 2016 in Ujjain(M. P.), we applied for the claim and we were patiently completing the required process and fulfilling demands of the company again and again since 1.5 months. There is a long conversation of the same and I will attach the important mails with the complaint. After all this long time(approximately 2 months), the company repudiated our claim, in spite of all complete documents (attached with the complaint). They blamed that we misrepresented the information. But in reality, I was never informed about the condition mentioned for the repudiation, during the time the company took the insurance money.

We request the forum to understand our grief(both from the device theft and then this repudiation), and help us in the matter to get our claim. I am also attaching the soft copies of our complete claim documents such as invoice, FIR, SIM blocking form, claim form sent to the company. Moreover, we have also not yet received back our original documents. We applied for reconsideration and were waiting for the reply before filing the complaint. Please help.