New India Assurance — this is in regard to the claim not honoured to the full value

Address:

New Delhi, Delhi, 110025

Dera sir,

I would like to apprise you that my honda city car registration number dl3cba1459 has been stolen and the same has been reported to the insurance company now every formalities has been completed with claim hub lawrence road delhi but the manager mrs. Sarla mittal of claim hub who is looking my file is not giving me the the full amount as per the declared value idv 0f inr 294000 but the manager is saying that she can only give inr 250000 because the insurance his at higher side.
Sir this is a second hand car which i bought at inr 250000 in 2016 and then i have spent around inr 75000 for some modifications like alloy wheel complete change of all tyres and a new music system and anti central locking system in total the bill was of inr 75000 and the original bill was in car only so i am unable to produce the same but my question is when in 2017 i did the insurance from icici lombard with idv 327000 and in 2018 with new india assurance of idv 294000 and extra premium paid for the same then why they want to give me a reduced amount. Please get it resolved otherwise i have to go to insurance ombudsman or consumer court for my redress.

Regards
Shakiruzzaman
Mobile no [protected]