Royal Sundaram General Insurance Complaints & Reviews

My 2 wheeler policy no is vmpb[protected]. I had kade online complaint on 12.03.2017. Regarding claim for damaged done to my vehicle. Mr. Santosh surveyor had inspected my vehicle same day by 1500 hrs. But surprisingly till now he has not taken any action.. Upon that on 16.03.2017 he is taking me my policy is not showing online. Then again on 16.03.2017 he is telling me that send me screenshot of your original rc then only i can proceed.. I have to know the claim amount so that i can claim the same amount t from front person.. But this is making me upset.. Today i received msg from royal sundaram that my policy claim no is so and so and i can give my vehicle for repair.

This is what response royal sundaram staffs give to their clients..
I am helpless
Please help me.
My. Mobile name is ranu sharma and contact no is [protected]

Amount has been deducted in my account through pay z app hdfc bank.,
But royal sundaram they were telling that amount not received. I have sent all the transaction details of my bank account but still there is no repsonse.

I have paid amount on[protected] of rs.10, 388/-.

I need the insurance policy because my policy expired on[protected]. Now its difficult to travel.

My car met with accident on 21 dec 2017, surveyor is appointed on my car for claim he complete his all documentation after that i received a letter on 25 jan 2018 from royal sundaram that they have alloted mr. Vikas kumar - [protected] for further investigation am calling him from 26th jan 2018 to complete the process but till today he's making excuses and didn't complete his work, i also talk to mr. Prabhakaran - [protected] who is claim head of haryana as said by royal sundaram executive. Policy no. - vpc[protected], claim no. Pv00395142

Serveyer accident hui car ko acche se nahi dekh rha or kuch parts ko approval nhi kiya
Saare parts ko paas krne m 1500 rupee maang rha h paise nhi diye toh car ke accident ke part ko bol diya ki phle se hua h ye
Aisi hi insurance company h toh kisi aur company se kra lete
Itna ganda behave aur accident hui car ke parts ko approve nhi krte h aur paise de do toh turant krte h

Hi,
This mail is regarding an insurance claim which i have made for my ford figo vehicle with registration number ap28dg8054, which is being serviced at carz madhapur. My car met with an accident and the engine oil sump got badly broken thus leaking all the oil under it. Now i stopped my vehicle immeditely as soon as the oil leakage was evident to me. Now the engine is ceased and needs repair.
Royal sundaram is not agreeing to bare the engine parts in insurance. Which is in correct and atleast the part should be covered.
I can continuously calling the validation person, he is very rude, talks badly and cuts the call. He drops the call every time i try to reach him.

Can you please ensure to cover the parts required for repairing of the engine and not just the oil sump. As per the rules the insurance is not covered for consumables which i agree however it definitely covers the part which are non consumables and are bound to damage. While taking insurance we rely on brand image and trust. But it will be a bad experience is insurance is denied for genuine part and genuine reason. Can you please take this request on highest priority and resolve the issue.
I am sincerely hoping a resolution from your side being a loyal customer.

Please feel free to forward this mail to higher authority if needed.
Policy number: fop1161093

Regards,
Pradeep
[protected]

Dear team,

With great pain, i am writing this to you. And seeking necessary action to be taken against surveyor and branch head.

My vehicle was met with an accident on 3rd feb 2018. My car front bumper got damaged due when my car hits to the divider. Photo attached for your reference.

In the meantime i have moved my vehicle to nearest hyundai workshop and claim intimation was failed by showroom team and surveyor was visited the showroom and inspected my car and said he will go to office today eod he will give his work approval. I said ok please make sure you should give this at earliest.

But surveyor failed to give the response by eod. After lot of follow up he finally picked my call and said bumper previously have some scratches in right side and we are considering this as existing damage and we will be rejecting the claim, i totally not agreed with him and there might be some minor scratches in the right side of the bumper but loss was happened left side of the bumper. I am the owner of 3 vehicles and usually i will not put anything for claim unless something big was happened. This is the worst experience with royal sundaram.

After a lot of conversation,. I said i will talk to your manager he passed his phone to sunil branch head. But sunil without seeing anything he jumped into the conclusion and taking his slaves side.

Both are indiscipline while taking to customer and surveyor not trained enough to talk with customer and how to survey the vehicle. I request you someone senior level from redressal team should compare both existing and new photograph and process my claim. I do not have any trust left with hyderabad branch head.

Today royal sundaram teach me the new lesson. We should not give chance to upcoming insurance company though they always try to save money by denying true claims. I will take the help of irdi to look into this. Royal is only in the name not in the services.

I hope to have some positive sign from your team.

Policy number: vpn[protected]

Thanks to god, this is mior loss, i can pay from my pocket but what if it is major one and same thing they will apply. I seriously pissed off myself. Please think before you take.

My wife kalpana chatterjee was a cancer patient from the beginning, since 2013. Her policy had been increased from rs.1, 000 to rs. 2, 000 per day, in april 2013. Royal sundaram had paid me until june 2014 at the rate of rs.2, 000. During renewal in july 2014, their clerk had asked for rs. 3, 400 premium approx. For daily benefit of rs.1, 000. When i pointed the mistake and paid the additional premium of rs.2, 600 premium approx. They had confirmed by letter on 14th july 2014 that the daily benefit had been revised to rs. 2000, from rs.1000.

I have written to them several times and spoken to mr. Balaji and other people so many times during the period of mar 14 2017 to dec 2017. They have not given any reason for not paying rs. 2, 000 daily benefit, during the period[protected]. From 2016, they have started paying rs. 2, 000 daily benefit.

I am very surprised at their indecent attitude towards your customers. Royal sundaram claims to be the first insurance company in india, and is this how they treat their customers by not paying them?

When they had made a mistake sometime in feb 2013 by paying me rs. 30, 000 instead of rs. 15, 000, as the daily benefit at that time was rs. 1, 000. I had returned the additional rs. 15, 000 to them.

Also, they need to refund rs. 9, 000 approx. That is due to me for the period[protected].

Claim (8bf152fb) inspection is very disappointed. Because mr. D. S. Patil (Mob [protected]) is not passing car's headlight damage even damage is clearly mentioned in f. I. R report which was provided by police. I'll never buy insurance from royal sundaram in future and also try to stop people don't buy royal sundaram insurance. This is a very bad insurance company.

My self aditya saikar, took car insurance from royal sundaram, policy no hop0523948 with key cover, i had lost my key and claimed under key cover protection in month of sept 2017. Since they have denied the classless claim they have adviced me to pay and then claim for refund. I have complied all the necessary documentation for claim process but even after 4 months the refund is still not settle by them. Every time i call the adviser mr. Purshottam +91 [protected] for status he says it's in process. I don't understand the logic and their company process how much time do they required to settle the claim even all the necessary documentation is done. This is very unethical approach of this company. For renewal of my other car policy they send daily reminders even 3months prior to the expiry date and for claim settlement not a single email received from them.
There is no complaint mechanism on their portal or escalation matrix available.

My claim has been rejected because of ncb.
My car policy expires on 13th october 2017 and i was getting calls from royal sundram to take avil there policy so i took royal sundram policy and the gave me advantage of 3200 rupees and i gave cheque of my insurance amout or premium on 21 st august 2017 and then it got cleared on 1st september 2017 it means that i cannot take claim from 21st august to 14 october until the royal sundram policy starts. I met with a small accident in 14th sep 2017 and took claim on 15th sep and i dint recieve any policy letter i was just hnded over with the proposal form and nothing else.
Again i met with an accident in 31st dec so the comapny declimed my claim and came to know that i took ncb adavabtage.
But why would i risk my life and my car for rs 3200
Its the duty and responsibility of royal sundram to help there customer
My claim amount is small for the company j. E not excedding one lakh (100000) but the company demied to help me
Please help me so that i canrefund back the ncb to the company and get my claim approval i hope you help me out amd the company dhould help there customer in needs. Please help me

I was surprised when i had step in royal sundaram office at their pune branch, they are not having proper team to handle their clients they had kept a security guard to attend the customers.

If a customer have to launch a complaint or needs to discus any important thing regarding claim to whom we should talk or meet in pune branch,
When i asked to security please send someone to attend me, he told that nobody is here only i am looking after every thing for mediclaim process and his dialogs was i am the hr and admin who looks after all the claim.

Last 2 months has been past no body has given response to me for my mediclaim process, i had wasted my money and my day in royal sundaram insurance.

Till date no proper response i had got.

Regards,

Ashish hinge.
[protected].

My self mr. Ashish hinge i have purchase mediclaim policy from your company, before taking policy your team had given good response but now when i have submit my claim nobody is giving proper reply, 2 months has been past i have not got any call for the claim purpose, how much time you people will require to reimburse my amount.

I needs action on priority for my case and i should get a call today by day end, if not refund me my amount with interest.

I have recently purchased a car insurance from royal sundaram, i have directly purchased from their website. Soon after giving the details i got a call from them and guided me to the entire process. I have given all the details and cross checked whether all information is correct or not. Everything were correct at that time.

Soon after i received the policy i cross checked everything, and surprisingly found my nominee name had a spelling error. Instead of d they have put t. I do not understand how that error came up since i have cross checked everything before submitting. I suspect some human intervention in this process. A spelling mistake may be a simple human error, but when you approach them for claim, they can simply reject it saying the name is not matching.

I have then sent mails, called them, taken this to social media but still there is no reply from them. I have not tried for any claim, if there is any issue, i have all the mails, communication recorded. I will check all possibilities to teach them a lesson. Irda, consumer court there are option.

Still waiting for, my advice to all is not to opt this stupid company.

My mother has health insurance with royal sundaram. Policy number hc[protected]. Before admitting her to cataract operation i checked with insurance customer support executive (Online chat) regarding the coverage for the same. As per the customer support executive the limit is as per sum assured amount because the policy was active since 4years. Based on the confirmation i sent original documents post operation. Now the response from insurance

1. There was no update or acknowledgment regarding receipt of claim documents. Reason - sever was done.

2. No response to emails regarding enquiries. Reply from insurance - sorry for incovenience. Concerned team will look into it.

3. Final claim settlement amount was 7500rs as against total claim of 40000rs. Reason - limit for cataract is 7500rs per year.

4 they don't have basic courtesy to call customer and ask for his grievances and resolve it.

5. Chat confirmation is not official record so royal sundaram can't be held responsible.

My car was met with a accident and front part (Bumper, suspension, tyre) of my vehicle got damaged. I had bumper to bumper insurance (Everything should be covered) at royal sundaram so i claimed through insurance. The insurance guy inspected my vehicle and the claim has been processed. Here the issue begins.
Issue 1: the insurance company has not given full payment for tyre as
Insurance guytold the company that they will be providing only the
Market price for the tyre and not the company's price.
Issue 2: the consumables charges has not been given. (Bumper to bumper
Insurance means everything should be covered)
Issue 3: gear oil should be changed as it is leaking due to accident. The
Insurance didnt gave approval for that..

In this case, what is the meaning of bumper to bumper insurance. And the claim process is very slow. They have taken 1 week time to process the claim and there is no proper follow ups and responses from the company.

People.. Pls avoid taking this insurance from these companies. They are big cheaters

I have given my cheque dated 14/11/2017 of Rs.32665/-to Royal Sundaram General Insurance company for my car insurance which is going to expire on midnight 19/11/2017 00:00. When I asked for covernote of policy then they told me delivered by 15/11/2017 evening.On 16th I called them, then send me receipt on my mobile.When I asked for policy they told me that sir within 1-2 hour we will give.On saturday I called them again, they told me today is holiday..we will provide you policy on Monday.I called them today (20/11/2017)morning and told them that my insurance is already expired .They said no problem you will get your policy on 2:00 pm.I called 2:30 then they denied for my renewal .When I asked them to refund my premium then they told me to renew my policy from other company, after that claim from our company .

We are very very disappointed with your customer service. We call your customer service number[protected] but we not get our solution. Recently we renew our car gj05 jn 4436 insurance with royal sundaram general insurance and by mistake we miss my policy so contact your customer service so they refused to give us copy of our car insurance. They said we cannot give you copy of policy and tell us to contact your car dealer and get from them so we said that this is cheating with customer because we pay premium to royal sundaram general insurance company so why they are not responsible for it.
So we request you please take action against this type fraud company and provide us copy as soon as possible and stop fraud with real customer.

I have 3 active car insurance with royal sundaram and been a customer of royal sundaram for past 2 years. I had gone for royal sundaram insurance referred by one of my friend working there. Everything was fine until i went for my first claim.

It was just some minor scratches in the rear side of the car. I got to know that the service station tie up with royal sundaram was removed only after leaving the car in service station. Problems with royal sundaram

1. No tie up with khivraj renault in chennai
2. Though i had taken a 100% dep cover, i understand there is going to be some percentage reduced in claim
3. Its been more than a week since i submitted the claim, but i havent got the payment.
4. I had to daily followup with the surveyor who just tells different stories everyday
5. I tried escalating to different channels, but the escalation matrix itself is not clear. People are asking to contact the surveyor again.

My car registration no is tn 74 aj 2497 (Grand i 10) for this insurance policy taken from your company during december 2016. Policy documents kept in the car could not traced out after several search. Kindly help me to get a copy of policy document through mail. My mail id is [protected]@gmail.com. My name is murugesan r, from nagercoil. I thing mrs maheswari r (Rowmdu) is your agent has arranged for this insurance.

I renewed my health insurance policy and when i received the revised documents i found that incorrect information was included in the policy. I wrote to customer stating the incorrect information in policy on 31 aug but till now haven't received any email from them. I have done multiple followups with the customer care over emails and over phone but no resolution was given to me. Whenever i called customer care every time they just listen the query and disconnects the call. Pathetic customer care. They will do the same when filing a claim