Reliance General Insurance — Pathetic attitude of service

Address:

Chennai, Tamil Nadu, 600001

My brother has a motor insurance with Reliance Insurance and I was using his bike for commute.I lost the vehicle and I acknowledged it was my fault that I informed Reliance insurance after 18 days after the theft.I lodged the complaint on the same day in the nearest Police station and it took me 25 days to get the CSR and the police was adamant that he will not issue FIR but instead gave me the NTC after 90 days.
The same was communicated to the so called literate people working with Reliance insurance and they sent me the investigators to check the location and collected all the documents from me.I had to check with them about the status of my claim because they are always on SLEEP mode.whenever I call them for the status they said I have posted a letter and you need to respond by POST only. I had to repeatedly ask them to send me a mail as the concernd post has not reached but they are reluctant. When we try to meet them it is like the insurance people are working in White House, they wont come and talk to us. They speak to us only thru intercomm from their seat. I found it very surprising. But after so many conversations and repeated follow-ups they sent us a letter stating Claim rejected for the delay in intimation. The so called proclaimed literate people in the Insurance business can't they not conclude on the day itself when I made the claim.Is it that they do not have that much sense. Because of their pathetic attitude I had to spend considerable time running after police station and waking up these idiots.
From my experience I suggest let us not take any motor insurance from Reliance because we are taken for a ride when we approach them for claims.
I do not understand the reason why we shoud take Insurance because anyhow they are not going to settle the claim.