Reliance General Insurance Complaints & Reviews

Dear Sir/Madam: Please consider the below and enclosed as an official complain against Reliance Life Insurance (Reliance) for the floater policy # [protected]. We have been a Reliance General Insurance (Reliance) client for over 10 years (Since 2006 onwards). Last year, we were informed of discontinuing the existing policy by the company and were suggested alternative offers for continuing the health coverage. Based on the previous policy, the local Reliance representative recommended the floater policy of sum insurance of 3, 00, 000 for the husband and wife. Earlier our insurance costed us somewhere around INR 5, 680 and with this floater policy, it is somewhere around INR 38, 764. This is almost 7 times of the previous policy. We asked about this several fold increase and we were assured that this is floater policy so premium is high and anyone can avail INR 3, 00, 000 for medical expenses. We were never told that there would be any sub limit for each applicant during the application. Please find the enclosed document of the application. On May 25, 2015, based on the discussions with Dr. Dimple R. Parekh of Parekhs Hospital, Ahmedabad, we submitted the documents for right knee replacement of Mrs. Bhartiben Acharya for caseless facility. The doctor has requested to be admitted at the hospital by the afternoon of May 27, 2015 so that the surgery could be completed on May 28, 2015. In the late evening of May 26, 2015, we received, a SMS from Reliance that only INR 92, 000 has been approved for the claim of INR 2, 35, 000. Since then we have communicated several Reliance representatives at the local office, toll free number and by email. Their response and services were worse. They kept us on hold several times and disconnected the calls Based on our request, they promised the timeline to respond; however, they did not call. On day before yesterday, it took over 90 mins to receive the response from them. Their response is keep changing. Earlier they said that there is a sub limit of 115, 000 for her. After deducting 20% from this as copayment, the amount comes 92, 000. In the latest telephonic conversation with the Hyderabad office, they responded that because of pre-existing alignment problem, we are approving 92, 000. This is contradictory from earlier conversation. Furthermore, there was not any pre-existing condition when the policy was opted. Once over the phone, we denied for this excuse said that the phone is recording the person has stopped talking. Overall, we have been mentally harassed, misguided and cheated during this difficult situation. Imagin how can a farmer like us who pay such a high premium would do in such situation. It seems too much mental harassment while managing the emergency medical situation. They should have provided all the relevant information including the any sub limit during the application. It should not be once the premium is paid and you come up with terms and condition. We request you to have a complete investigation about this. I am sure likewise, there would be thousands of people who have been misguided and/or fooled by Reliance. If this can happen with a farmer of Mehsana, the hometown of Mr. Narendra Modi, the Prime Minister of India, then it could be happened with any one. We are also planning to take a legal action, going to social media, Press, TV and prime minister's office (PMO). Should you require any additional information, please do not hesitate to communicate at [protected]. I look forward to receiving a prompt positive response. Regards, Ankit Acharya

sir without my permission i am subscribed for this VAS service by Reliance on my number, and Rs. 3 on 30 may 2015 were deducted for this service from my balance..i am very irritated so Kindly refund all my money and stop this service immediately.my no is [protected] Thank You.

Name: Kushal Dey. Ph No. [protected]. Insured Car No. WB02AE7585. I paid Rs.19170 for Nil Depreciation car insurance. Instead they gave me normal compensation insurance. When I told them they told me yes it is their mistake and they will correct it. My insurance was booked on January 2015 and now it is May 2015, till now it is not done. Now they are telling me that it cant be changed in that way so they will cancel my previous insurance and will return 14000 and will book a new Nil Depreciation for that I have to pay Rs.18700. That means I am loosing Rs.10000 extra for a fault made by Reliance. I have each and every evidence in my email, I also have that they are accepting their mistake. Yesterday when I told them that I will be moving to Consumer Court they told me I can go to anywhere i want. Please take some necessary action regarding this matter and I want compensation for this from Reliance.I have given the screen shot of email conversation with reliance.Thanking You.

My policy No is [protected] This is to inform you that I had taken insurance cover from "Reliance General Insurance" in the M/o June14. After 5 months in (Oct-14) when I met with an accident and the company denied for settling the insurance claim. Because company has given me NCB benefit which was not due. That mean I was running without insurance from 5 months. Now when I asked for the solution, Than they told me that I have to deposit the NCB recovery which is around 2800 & than your policy will get renewed but condition is very clear that firstly I have to take out the vehicle by clearing all claim amount which is around INR 16000/-. They will only accept money when that claim will get closed in their system. So I have deposited entire amount & took my vehicle from Hyundai workshop. When I went to branch office for depositing the balance NCB recovery amount they refused to take money for 2 weeks when I asked them what will I do for these 15 days if my vehicle theft during this period or some accident occurs than who will be responsible. They don’t have any answer. I was totally harassed & not left with any other option. After 15 days Company has taken all photographs again and verified the vehicle again. After completion of all formalities they took money from me & given me endorsement on 22-Nov-2014. (Copy of endorsement attached along with this mail. After that much harassment Reliance has renewed that policy from “Back date” If as per company’s terms, company is not supposed to provide cover for last 5 months than how company can charge amount from the back period. Anyways company is supreme they don’t listen anything from consumer that’s why I wrote complaint to all higher officials also but no one from "Reliance general Insurance Company" is bother to reply on my mail. Best part came in this month (May-15). When I again approached for renewal which is due on 22-Jun-15, the total due amount is INR 16041/- while asking the break-up of this value. I came to know that I am not eligible for NCB discount because I have taken claim in Oct-15. That was shocking. So, requesting you to investigate this at your end and confirm whether this amount is correct or not. Regards Sumit

Dear Sir / Madam, Good morning, I have my father mediclaim in Reliance General insurance Company for last 7 years, I have paid insurance premium of INR 4, 000/- (Approximate) before expiry date. Now during the year why increase medical premium from 4, 000 to 12, 000 INR ? Chandrakant Manibhai Patel Nathibani Khadki, 15-Vigha, Ras - 388570 Anand, Gujarat PHS ID : RG ANA 1754675 Thank You, Minesh Patel

Hi, I have filed a claim for car accidental damage after my car DL 6 CM 1763, met with an accident. An auto rickshaw coming from opposite side brushed left side of my car and while trying to avoid that my car got rammed on the bumper guard of a SUV(Scorpio) moving ahead of my car on 3rd May, 2015, Below are the points towards which I want to draw your attention. 1. Surveyor(Manish Tiwari, contact # [protected] ) denied claim on damage on the left side of the car, saying it was an old damage and only acknowledged the claim for front damage only. The damage on left side is the major damage both doors got deeply scratched and sheet came off beside the second door. However, front damage is minor, the bumper got scratched below the left headlight and headlight cover got cracked a little. 2. Though the surveyor is following up the case from very first day(03rd May), he surveyed the car only on 6th May though he was in the same area on 05 May. He called me up on 05th from another workshop(which surveyor suggested) in the same area but he didn't go to the workshop where I left the car for repair which is just a few meters away from the workshop from where he called me up. 3. When I objected the surveyors findings, he gave his supervisor's(Praveen Sharma) number([protected]) but I still didn't get any resolution from him as well even after 2 days of follow-up with him. 4. Why do I have to suffer because of the incompetent surveyor and his supervisor? 5. Is this because of the nexus between the workshop and surveyor, I am suffering? Request you to look into this matter and do the needful. Thanks, Rajiv Contact # [protected]

Dear Officer, Its disheartening that M/s reliance gen insurance company is so paying zero attention towards its policy holder.I have written many emails, spoken to customer care number but all went without concrete resolution. Whole story can be summarised as below:I went with reliance motor insurance vide policy no [protected] in feb 2015. Payment of policy premium was made online. As promised i also received hard copy of...

Private Car Policy Policy Number : [protected] this is to inform you that i had taken insurance cover from "Reliance General Insurance" in the M/o June14. After 5 months when I met with an accident. During that I came to know my policy has been void & not valid because company has given me the NCB benefit for which i was not eligible. Than i paid the entire amount & released my vehicle from Hyundai. Total loss was of 15000. Then i went to branch office & asked for the solution, they told me to deposit the NCB recovery which is around 2800 & than policy will get renewed. Then Company has taken all photograph again and verify the condition of vehicle. After all formalities I have deposited the money. I got endorsement on 22-Nov-2014 that too after several number of follow ups. When all process was repeated then why Reliance has renewed that policy from back date If as per company’s terms, company is not supposed to provide cover for last 5 months than how company can charge amount from the back period. If company would have covered me than company must have settled my claim . If company is renewing my insurance from back date i.e 26-Jun-2014 than company is supposed to settle the accidental claim as well. But company is supreme they don’t listen anything from consumer that’s why I wrote complaint to all higher officials of but no one from "Reliance general Insurance Company" is bother to reply on my mail.

Dear sir, I had a bike accident on 23rd December 2015 3.50pm and my left hand having fracture but bike having slight scratches. on hospital i have paid 63000rs as medical bill. For my bike having Reliance General insurance : Motor Cycle/Scooter Comprehensive Policy, Policy Number : [protected]. I have requested for claim but now they are telling that i will get medical claim only if i had permanent loss on injury but when i took policy they have informed that - Death of or bodily injury to any person so far as it is necessary to meet the requirements of the Motor Vehicle Act, 1988. Insurance company's name : Reliance General insurance Police number : [protected] Policy holder's name : Ajith Murali Nature of Policy standard : Motor Cycle/Scooter Comprehensive Policy Duration : 17-May-2014 to 16-May-2015 please help me. what shall i have to do now.

dear concern, i took claim for my sports bike last year (oct 2014) my bike hyosung is yellow colour got its visor repainted but the colour quality is too bad that it seems black in yellow colour is this the reliance service, not at all satisfied .. when i got me bike i called my surveyor mr rishi hi he told me that he will soon get back to me, but its more then 3 months he still not called me, , even now he is not picking up my calls .. if it is ur service i will never suggest anyone for reliance insurance ...

Claim Details Product : Private Car Comprehensive Policy Policy Number : [protected] Claim Reference Number : [protected] Date of Loss : 13/09/2014 Product : Private Car Comprehensive Policy Garage Name : indus motors Insured Name : USSAIN CHALIL Cash Less : No Vehicle No : GA-05-B-7920 Claim Status : Repudiated Policy Number : [protected] Date of Intimation : 13/09/2014 Cover Note Number : W[protected] LOB : Motor Job Complete Percentage : 100%

Dear Sir, I am getting several SMS to my ph.[protected] from your company asking to renew the car policy No [protected] expiring on 29/12/14. My Swift car is insured with National Insurance Company(expiring on 17/8/15) and I have no car insured with your company. You may please look into the matter and resolve the issue under advise to me. Thanking you. Abdullakoya Calicut [protected]@gmail.com 27/12/14...

Sub :: AKTABEN H PATEL - Policy [protected] Claim Rejected:[protected]:[14701761]::[14703880]: Company rejected claim because of patient not admitted in hospital ..they tell me submit doctor declaration, , patient doesn't need to admit for treatment . i was also submitted those declaration .. now they reject claim directly... 2 year ago same patient same treatment company passed without any objection i had this policy since year 2010 but without any reason they just send me your claim rejected ... now when i tell him if you not passed claim then return my orginal documents, and bills .. but till date i was not received it ..

Myself :-Ramesh Jaysing Khade. Flat No 304 Gangotri Park, Silver Leaf Building Bhosari Pune 411039 Mo No.[protected] and [protected] Sub: Complaint About communication to sell policy by offering Loan. Dear Sir, I have received a call on 10 th of July from Delhi, Saying that we are from Reliance Life Insurance Company Delhi. Now reliance Capital is introducing themselves in Loan sector hence offering a loan against policy at interest rate of 4.75 % within 40 to 45 days. He is continuously calling me but I ignore him for a couple of days but at last he committed me on what’s up that he will provide me a loan of 5 lac if I purchased a policy of 40000 Rs from reliance life insurance corporation for 20 years. I have to pay 40000 Rs each year up to 15 years and after maturity it will be 13 lac. The reliance will deduct the loan with interest up to 7.5 lac & pay rest amount in each year 2016, 17, 18, 19, 20. The calling person is Mr.Vikram Malhotra, I am continuously resisting but then he gave my call to his Sr. Mr.Rajesh Bhatia & he assured me the same by giving details on what’s up. So I decided to take policy & give him a check of 40000 Rs along with address proof of SBI Passbook photo copy and signed reliance insurance form on 25 th of July 2014, the courier by meet me at location pune and collected documents from me. The same documents received to him on 28 th & he send me received details on what sup. After that he told me policy is in process & you will receive up to 7 th of Aug 2014. I have received Policy on 8 th Aug 2014 & I have communicated to him on what’s up. After 4 days His sr. Mr. S N Ready called me & said details about policy and Loan agreement and procedure. He said your loan will be sanctioned in next 40 days. I am in continuous in touch with these people on what up and on phone but after completion of 40 days that’s 15 sep 2014, they are giving cause that Reference no. not added hence its getting delayed so I give them reference no of my 2 friend & they called them for details. After that they are giving reasons of its in process & delaying due to some internal issues up to 10 th of Oct 2014. After that I have confirmed on net by reliance customer care & found that these are the fraud people sold me policy. Now these peoples are not taking phone nor replying to any SMS from couple of Days. Pls help me. Following details for your reference. 1) Application ID Policy :- 7922576 Reliance life Insurance corporation ltd. 2) Policy No. :[protected] dated 31.07.2014 for 20 years from Reliance life Insurance corporation ltd. 3) Loan File no:-RLI3752R & sanction No. RCF 935 L Contact Person Details. 1. Mr.Rajesh Bhatia : - [protected] Relationship manager. 2. Mr.Vikram Malhotra :-[protected] Sales agent of reliance. 3. Ishika Sharma & Ambika: - [protected] customer care relation officer. 4. Manisha : - [protected] Sr customer care officer. 5. Muskan Sharma : - [protected] & [protected] Reliance life insurance customer officer. 6. Mr S.N Ready :-[protected] loan sanctioning authority. Regards, Ramesh Khade [protected], [protected]

I, Mr. Prakash Thakkar, a senior citizen have a mediclaim Policy with Reliance Insurance Company for myself (age 63 ) and Spouse (age 61) with a cover of Rs 1.5 lakh for myself and Rs 1 lakh for my spouse at a premium of around Rs 5600 around 8-10 years back. I have also taken for two policies for my children for Rs 50, 000 each at a premium of Rs 750 each. I have been regular in my premiums and have accumulated no claim benefit bonus all these years around Rs 60000 each for me and my spouse (currently in dispute). Recently, I got a letter from Reliance General Insurance that as per IRDA approval, they are withdrawing this individual mediclaim policy for new and existing customers and thereby this policy of ours will be discontinued and we would have to move either into their new plans Healthwise or Health gain and pay premium of around Rs 17000 or Rs 40000 as per the plan chosen for same cover and loss of Cumulative bonus or through portability switch to other plans wherein the premium for this age is around Rs25000 to Rs 45000 for both o[censored]s due to our age. My first doubt was how could IRDA approve of it for existing customers? IRDA has always been the protector and a guardian in safeguarding the interest of customers against Insurance companies who are interested only in Business at any cost. If there is any such clause providing Insurance companies such provision that all insurance companies at every stage would use it against customers as and when required—migrate to a higher premium plan or opt for portability? Where is the interest of customers safeguarded then by IRDA ? This is a clear breach of trust between insurance company and customer, wherein a customer chooses a insurance company stays with it for 8-10 yrs or more, saves every penny and invests for old age security, and finally with falling age the company changes its norms stating IRDA approved kicks of a customer. In this country doesn’t senior citizen have right to good health or Justice? How can people like us pay thrice the existing premium at this age and why should we? We have been paying regular premiums throughout years beforehand and it is my right to continue my policy on the same terms and pricing. It is a clear loss of the time, money and trust I invested for so many years in the insurance company? Where was it disclosed in Insurance policy or proposal form that a company can choose to withdraw its policy and customer has to pay extensive higher premiums to continue for migration. Or for that matter, is there any such provisions made by IRDA to keep the customers informed at the time of proposal that such condition may prevail. Where is IRDA protecting or safeguarding interest of customers at mass level, tomorrow what if every insurance company uses this provision to increase its premium? Customers of INDIA look upto IRDA as SUPREME AUTHORITY to safeguard our interest, protect us from such manipulation and exploitations and provide us the right to life and good health at this age being a senior citizen of this country. But if there is any such approval from IRDA, where do we go? Whom do we complaint to ? I would request you to look into the matter and kindly assess the loss faced by an existing customer at this age: 1) Senior citizens at this age are mostly denied by companies for fresh policy 2) If a fresh proposal is accepted, 4 years of waiting period of existing disease and low cover or higher premium starting from Rs 20000 to 45000 for me and my spouse together. 3) If opted for migration within the same company, around thrice the current premium plus loss of cumulative bonus. 4) Loss of time, money and trust invested at young age with an insurance company to secure old age related health issues! 5) Finally after all this, what is the guarantee that the same conditions would not repeat in future? We will again not be asked to pay higher premiums and kicked off again with any said policy or Insurance company? 6) Any such breach of trust, exploitation only leads to mental, emotional and financial harassment to senior citizens like us who are retired, cannot afford higher premiums and have to manage high cost of medical expenses and livelihood with limited savings. " It is not only about me and my family, but thousands of customers now and in future who will be a victim of this game plan, if there is any provision for Insurance companies to withdraw their existing plans and force customers to pay extensively higher premiums, wherein the customer at signing the proposal form is not aware of it, nor there are any provisions by IRDA to protect customers in such situations. And as in my case, I am afraid the prime target would be customers in age group of 45 and above where they are helpless with no options available anywhere plus struggling with age related health issues". Yours faithfully, Prakash Thakkar [protected]@yahoo.com [protected]

Hi, I have taken Kotak wealth Insurance policy 02162934 for 1 Lac. And based on that i got a call from IRDA center explaining that the commission involved for above said policy, They suggested me that i could get this commission/bonus in place of Agent as for the company giving commission/bonus to any party is fine. To get the commission back they said that i have to purchase a new policy "Reliance Life insurance MONEY Multiplier Plan" (Client ID[protected], Contract No[protected] of rs 46935/- After 45days I will get that commission MONEY back and after that i could close this Reliance Plan. I waited for 45 days but nothing happened. I followed up many of times then they said it will take a year time.I seems like a get trapped .I have visited reliance office couple time to get my money back but nothing helped.This insurance policy is not a worthly policy, I have asked Reliance to switch my policy to different plan but they haven't agreed for this too. Kindly Please help to get my money back. Thanks, Shilpi Mittal [protected]@yahoo.co.uk [protected]

Claim Number: [protected]. Policy Name: [protected] Name: Pratik K Bhansali Hello sir, I am having mediclaim policy with Reliance General Insurance since more than 4 years. Every year I renew the policy on time. My policy number for current year is mentioned above. I was hospitalized due to critical illness in the end of Aug. 2014, so I initiated a claim (the claim number is mentioned above). After a few days (when my health was improved), I sent all the documents to their health claim office at Hydrabad. As per their records, the documents where received to them on 17th Sep. 2014. After that I waited for 20+ days but they did not give any kind o[censored]pdates till then. Whenever I used to call them or used to track the claim status, it always said that claim is under primary stage of process, the status was not getting updated. So, I emailed at rgicl.[protected]@rcap.co.in, still there was not update or reply from their side. I also emailed at rgicl.[protected]@rcap.co.in but again there was no update or reply from their side. Suddenly, on 11th Oct. 2014 I got the SMS and Email from their side that my claim is approved along the claim amount. So, I thought that the claim amount would be deposited in my account soon. But today is 14th Oct. 2014 and still the amount is not deposited my account. If I try to contact them at their customer care number, they say your call has reached in motor department, please wait we will transfer the call to heath department and the call gets disconnected. This has happened almost more than 20 times. There is nobody to answer my queries if I email them (not even their grievances head), their phone system is too bad as the call gets disconnected. I am totally helpless as I am not able to get the exact status of claim, and there is no one to answer my queries. Finally, I have approached you with the problem. Please help me as I am fed up of this. Everyday I have to waste my time calling, emailing them and at the end of the day I get no updates. I hope my query will be addressed here with proper considerations. Thanks and Regards, Pratik Bhansali.

Hi, I had taken a Reliance insurance policy for my car and the policy number is : [protected]. I got my vehicle in march 2014 and last month my vehicle got hit when i had parked my vehicle in front of my house. The vehicle got damages on the right side front door and right side fender got some dent and scratches. Screenshots taken from the spot are attached. I approached Elite Motors for the repairs and called the insurance surveyor for the inspection. The insurance surveyor by name "Kamaruddin" came and inspected the vehicle but in his report, he said the right side door only damaged and the right side fender damage is old one. He has not done a proper inspection and i received the claim only for my right side front door. I had called to him and explained the details as well. I think, u r surveyors are not capable to do proper inspection. With this, What can i conclude ? Going with Reliance Insurance is Good or Bad? I have around seven vehicle, for which i had taken Reliance Insurance last year. Now i have to re think while renewing my insurances. Thanks & Regards Anil V.B [protected]

BY REGISTERED POST WITH ACK. DUE. From A. B. PRABHAKAR, B.Sc., B.L., TIRU. PUGHALENDHI, M.Com., B.L., Advocates M/s. P & P Law Office, 30/45, Suriya Complex, F.F-3, Tallakulam, Madurai-2. On behalf of P. Vasanthakumar, S/o. G. Paulraj, Door No. 1/138-10, KVR Nagar, Suriya Nagar Extn. K. Pudur, Madurai-7. To 1. M/s. Reliance General Insurance Co., Ltd., 570, Rectifier House, Naigaum Cross Road, Next to Royal Industrial Estate, Wadala, Mumbai, Maharastra state. 2. M/s. Reliance General Insurance Co., Ltd., No. 55, 80 Feet Road, Anna Nagar, Madurai – 625 020. Sir, Sub : Transfer of policy name – delaying process on your side – Legal notice reg; Ref : Veh. No. TN 72 AR 1930 – Insd. Name : S. Murugan – PCPP -policy no. [protected] IMM793 period of Insurance – 06.09.2013 to midnight on 06.09.2014. 1. Our client states that he has purchased the LMV TATA Nano Car bearing regn. No. TN 72 AR 1930 from the previous owner S. Murugan, son of Shanmugam, of Tirunelveli and registered in his name under the order of name transfer for ownership by RTO, Madurai North, on 28.05.2014 in R.No. 32307/A3/14 dt. 28.05.2014 and the same is being insured with your company. 2. Our client states that after the transfer of ownership, our client has approached your branch office at Anna Nagar, Madurai and submitted the original policy copy, a Xerox copy of R.C. for your reference and paid a sum of Rs. 56/- for transfer fees and requested to cancel the policy document and issue new policy in his name, on 02.07.2014 on that day our client was informed that there was power shutdown and the printers were in offline due to network problem and hence, the receipt and acknowledgement could not be issued and tendered apology. 3. Our client further states that having received the adequate and required papers and fees to transfer the insured name and issue new policy document with regard to our client’s car, there is no sign of response or any kind of reply or new policy document in the name of our client is issued till the date of this notice which clearly prove the deficiency in service on your part and our client is not in a position to drive the car without the transfer of insured’s name / our client’s name. The acts and attempts prove themselves that you are not having an inclination to render proper service towards our client and he understands that you’ve made up your mind to dodge the grievance of our client. Hence, our client is constrained to issue this legal notice to you. 4. Our client states that now due to the non-transfer of policy document in the name of our client, he is being very afraid of driving the car even for urgent purposes and the same is kept idle. Our client states that the continuing acts, attempts, omissions and commissions clearly prove the gross deficiency of service on your part. Our client states that he has suffered a lot and sustained Mental agony and irreparable loss, injury which could not to be weighed by any of the golden scale. Our client states that since he is a law-abiding citizen, he has no other option except to cause this legal notice to thrive his legal right. Therefore, you’re hereby called upon by our client to transfer the policy document in the name of our client to his vehicle bearing Regn. No. TN 72 AR 1930 as per the rules, immediately and to issue a new insurance policy schedule and to pay the compensation for the mental agony and untold injury caused to him, a sum of Rs.1, 00, 000/- (Rupees One Lakh) and Rs.2, 000/- towards the Advocate fees for this notice, within 15 days from the date of receipt of this notice. Failing which, our client will be constrained to initiate legal proceeding against you before the proper Consumer Forum at Madurai and you will be held responsible for all the costs and consequences thereof. NB This Legal notice does not require signature since it is computer generated. The copy of the legal notice also sent through speed post. Madurai 11.08.2014. Advocate (A.B.Prabakar)

Dear sir, my name is D.Koilpitchai, My calim Ref no is [protected] i am facing many problems with reliance insurance company, as i submitted all the bills on 22nd of may 2014 and 23rd of june they have setteled our claim that is to when i registerd our claim to IRDA on 15th of june sir i dont know the reason why it took so much time to process my claim, and i have called the claim department hyd nearly 500 times no response from them, i want to know that who is responsible for the delay caused to me, they didnt gave the approval for my vehicle although they have receievd it from there higher officials .i had lost my income for nearly two months and who is going to bare my loss, i am asking you to mail me back with the complete information on my claim. now that i have lost my income for 2 months, so kindly help me thhrough this issue. Thanking you, Yours truly D.koilpitchai [protected]