Reliance General Insurance — My policy No is [protected]

Address:

Panipat, Haryana

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