Tata AIG Insurance Complaints & Reviews

I have renewed my vehicle insurance policy on 18/06/2008 after re-confirming my change of address. Inspite of this, the policy was sent to the old address and the courier office phoned up to me stating that they are returning the policy as the address was incomplete and inaccurate.

I had phoned up to their customer service at[protected] and intimated to their executive that the policy had been sent to the wrong address and the right address was furnished once again. The lady executive appeared to have recorded the change and responded that this would be received by within 7 working days.

After this, I have contacted theirCustomer Service (Complaint No: 4509210) seven times and till date I have not received the original policy documents and the Service booklet promised to me. Three of their executives between the period 11th July and19th July even promised that the soft copy would be sent to my Email ID within one to four hours and nothing happened.

To my surprise, once again the policy was sent to the wrong address and was returned by the courier on 23rd July

The last conversation that I had with Mr.Umesh on 23rd July resulted in getting the Soft Copy over Email and I still hope and believe that the original policy document and the Service Booklet would be sent to me to the right address.

I am really surprised to note the gross negligence and indifferent attitude TATA AIG, a service provider, has towards their customers/clients.

I am very ashamed to be a client of an insensitive service provider, i.e. TATA AIG.
It is time to say Ta-ta to them.

Alphonse Raj.
Managing Director
Hebrews Management Consultancy
Mobile:[protected]

i registered your health polity by HDFC telly coller. my policy no is 0G[protected]. i am waiting for the documents from 1.5 months. when i tried to contanct your coustomer care they are not taking it. i made complant on 15 July but till now there is no result.

Dear Sir/ Madam,

This is to inform you that from my GE a/c.card no. [protected] (see below mentioned Statement) on dated 04/01/2008 amt. Rs. 1482.00 was debited.

The call which I received on behalf of TATA AIG Insurance, informed me regarding health & medi claim policy, I accepted the policy amt which was supposed to be deducted from my a/c.

After that Tata Aig should have to give me the detailed policy documents within 15 days but till today I have not received it.

For the same clarification so many times I called to GE money also but no response I got.
Even the same complaint i mailed to TATA AIG but they least bother about & even not single reply i get.
Now my request to you that pls. take up my complaint with concern people and get it resolved.
Pls do needful as early as possible.




[protected]
27/01/2008
BIG BAZAAR (A DIVN OF MUMBAI IN
D
Rs. 440.50

[protected]
26/01/2008
BIG BAZAAR MUMBAI IN
D
Rs. 2, 010.00

[protected]
25/01/2008
LIFE STYLE INTERNATION MUM IN
D
Rs. 398.00

[protected]
14/01/2008
PAYMENT RECEIVED CHEQUE NO 456380
C
Rs. 7, 188.00

[protected]
13/01/2008
MANGO STATIONARY PRIVA THANE IN
D
Rs. 4, 350.00

[protected]
08/01/2008
MANGO STATIONARY PRIVA THANE IN
D
Rs. 2, 346.00

[protected]
04/01/2008
TATA AIG INSURANCE MUMBAI IN
D
Rs. 1, 482.00

regards,
Vinay Patil

Sir, I am not willing to take your above said policy. So, kindly cancilled these policy as mention below- policy no. and name -ITHC[protected] Dinesh kumar chaurasia, ITHC[protected] Kanak lata chaurasia, ITHC[protected] Saurabh chaurasia, ITHC[protected] Miss swati chaurasia. Kindly send refund in my address. with regards

I recd a call fm MS Sonia on 17Sep'08fm ctc no: 32109964 / [protected] rgd a zero rental scheme which has been introduced thru Airtel.

She sent her representative to TATA AIG on 19th Sep'08. I was told I would have to pay Rs.1800/- for activation of 03 Airtel Numbers for which I handedover the amount to the person. I was also given an Subscriber Enrolment Form serial no: B574367 and was told it would be activated within 03 to 04hrs.

Even after the whole day when the numbers were not activated I called on the numbers throught which they had called, but received no reply.

I have tried my best to get in touch but unable to get thru anyperson.

Could you pls check as to who has being misusing the Airtel brand and been cheating so many people.

Have also given a complain no: 18470767.

If I do not get a reply asap I will have no choice but to go to the consumer court for further actions.

You could get in touch with me on [protected] / 29672146

To rectify mistake of additional premium for issuance of policy number MRP[protected] in my HSBC credit card account no.[protected]

The second debit has been done against policy number MRP[protected] in the name of Mr.A Lakshman whom i did not authorise for deduction. E mails already sent to [protected]@TATA-AIG.com in this regard from December 18th 2007 to till date without any result. A letter sent to HSBC Credit card division in the month of April 2008.

I had received a call from the TATA AIG when I received a new HSBC Credit card saying that they have a tie up with HSBC credit cards. On receiving numerous annoying calls from TATA AIG, I fell prey to their calls.
They even charged me Rs. 100/- for sending me the policy documents.
On not showing interest to take the policy, TATA AIG said that they would be offering me a free checkup, diagnosis for my parents if I take the policy.
I showed interest and took the policy. So they blocked Rs. 9134/- annually. I paid the installment of Rs.760/- per month.
I took the TATA AIG Maharaksha policy from TATA AIG and for next 2 months they even didnt turn up with the free checkup, diagnosis bonds for my parents.
I had to call them up again and remind them of the bonds they had promised. then after 2 weeks I receieved the bonds.

the TATA AIG in the month of March without my knowledge withdrew Rs. 4566.98 from HSBC credit Card.
Due to this HSBC Credit card closed my account without my knowledge.
Now I am afraid that I may turn defaulter with HSBC due to nonsense of TATA AIG.

Over and all, I would suggest do not do any business with TATA AIG.

I have purchased the policy ( healthcare plus ) from TATA AIG. The executive tell nme that the money will be deducted from the credit card immediately and to convert the same in EMI's . I have to call ICICI custemer care and TATA AIG has a tie up with them for conversion in EMI, s. After calling ICICI I realise that no such facility of the conversion in EMI's is available and TATA AIG has no such tie up with the ICICI.
After I communicated to TATA AIG thy are now unable to locate my Policies and the matter uis pending since more than one month. I am not getting sactisfactory reply frpm the TATA AIG.
I am cheated by the Bombay based TATA AIG executive Mr. Alam Khan.

Please look into the matter.

Dear Sir,
I Utpal Thapa had deal with TATA AIG HOME FINANCE INDIA LTD to purchase new flat at Ahmedabad and and They ask me for Processing FeesRs 3000/- after Four Month They reject my file and refuse to return my procesing fees and told me this is our rule, This is not a matter of money but this is one type of
cheat with consumer. Sir If you feel that I am not wrong so take
a serious and strong step. Waiting for you favorable reply
Thanking You
Utpal Thapa

I had purchased a Swift ZXi car and taken delivery on 2007 jan 4th from RNS Motors Bangalore using loan from HDFC Bangalore.
After a severe accident happened on[protected] in vellore, on the way to Chennai, i had given my car in maruti service center vellore
operated by GANESH CARS. My RC Book and driving license of driver was burned partially in the accident.

Communication problems between Ganesh Cars and TATA AIG Insurance surveyor forced us to get the car repaired. Even though the loss was major, tata-aig denied our request for total loss stating that total repair liability does not exceed 75% of the IDV value.
- IDV value of the car was Rs - 4, 79, 000
- Total repair cost is Rs 4, 47, 326.00
- Resale value of our car after repairing is Rs- 2.6 lakhs ( according to maruti pre owned cars - Mandovi Motors Bangalore)

Car was delivered on[protected] after SEVEN MONTHS and 11 DAYS by GANESH CARS which made a GREAT LOSS to us. Initially we were told that car can be repaired within 2 months time. I had called GANESH CARS very frequently and they were giving false
updates about the car. According to TATA AIG surveyor work started in swing only november last week. Finally I needed my car for my marriage preparations. So I strictly warned them that I will take my vehicle and repair in bangalore, If they do not deliver the vehicle on 31st Jan. They agreed to deliver on[protected] and they faxed me a letter stating the same after my continuous request. But they failed to deliver on[protected] also.

After the delivery, we did a checkup for the quality of repair in RNS motors Bangalore. That revealed that there are some rusted components in the car. Chassis has started rusting already because car was kept outside the showroom in extreme weather conditions for long period.

There is another part to our sad story. Because of communication problems, Tata AIG was not ready to pay for certain parts which were replaced by GANESH CARS. They did not bear the cost of 1 door, 2 wheel rims, and dash board
panel as they blame Ganesh cars responsible for that. Initially total loss estimate was given by GANESH CARS, but it was not accepted
by TATA AIG insurance.



AGAINST TATA-AIG:
- Tata-aig rejected total damage proposal by Ganesh Cars.
- Tata-AIG gave me false statement which states that repair liability does not exceed 75% of IDV(Insured Declared Value)
- Refused to bear the cost of 1 door, 2 wheel rims, and dash board panel as they blame Ganesh cars responsible for that.
- Above issue costed us paying entire amount from our pocket as insurance refused to pay.
- Since it is an accident repaired vehicle, resale value of just 1.2 year old car is very less compared to the amount spent for repairing it.


AGAINST GANESH CARS, VELLORE
- Car was in maruti service center "GANESH CARS, VELLORE" from[protected] till[protected]
- Full tank petrol filled by us before accedent was lost. They gave a silly reason saying that petrol got evaporated
- Given false promises every time I approached ganesh cars for delivery date.
- Finally GANESH CARS promised me to delever the car on JANUARY 31ST 2008 which did not happen.
- Post repair check reveals that chassis started rusting and there are other components in the car which are rusted.
- The trust with the car performance is low because of the quality of repair is low

Now we have suffered heavy losses because of Ganesh Cars and Tata-AIG insurance. For 7.5 months, we had to simply pay the car loan EMI without enjoying the comfortableness of having car. Now resale value of the car is less than total repair cost. We are seeking justice for our great loss of money and time period and tension and mental torture faced to retrieve our car back.

Sir,

Despite my request to cancel the policies the same have not been cancelled till date.

The details are as under
POLICY NO NAME OF INSURED
ITMR[protected] Mr.KRISHNA MURTHY
ITHC [protected] Mr.V.S.PRASAD
ITHC [protected] Mrs.V.RAJESHWARI

KIndly look into the matter

Dear TATA AIG.
We have given our consent about 15 days back to renew our car Insurance policy( through CAN CARD- Credit card).
We were also informed by your executive stating that the insurance is renewed and the policy would be sent within 8 working days.
The following are the particulars Name Allika Indira Devi ( my daughter)
Client ID 518155 Motor policy number [protected]
Vehicle number MH12 CY 982.
Registration city Pune
Till date the whereabouts of our renewed policy is not known. When we enquired with your Pune office they informed us that the policy is despatched through the courrier ( they could not give the courrier particulars like name of the courrier and the docket number etc.),
Please let us know why the courrier has not reached us till date if it is really sent to us.
Why do you choose such useless courrier if it is sent ( as informed by you).
Why do you create this type of mental tension to the customers of your institution.?
Our address :- Flat no 6, Anurag apartments, Right Bhusari colony, Paud road, Kothrud Pune 411038.
If the courrier has not delivered and returned back to you, is it not your duty to inform us since our telephone number is with you.
This is not fair on your part.
Please respond to this mail positively.
Thanks and regards
indira devi allika

To,
The Complaints Department,
TATA AIG,
Tata Group

Sub: Issue on Policy # U[protected] Forged Signature by Tata Employee

Sir,
This is to inform you that I had applied for a policy with TATA AIG exactly a month back on the 22nd July 08 through a sales call which I got on my mobile phone. I invited a person named Santosh to my office wherein he explained the policy features & we agreed to do a policy on the following conditions:
1. Term -20 years
2. Amount of Insurance – Rs 12, 00, 000/
3. Premium – Rs 10, 000/ P.M paid on a quarterly basis as he told me that monthly would not be possible.
4. Mode – Quarterly
5. Paid – Through ECS on a quarterly basis
I have been following up with him for the policy document for over 2 weeks as the check cleared my bank on the 30th July. However, he was unable to assist me on the same. Any ways, I got the policy today via courier with the envelope absolutely open & half torn. When I opened the envelope & looked at the documents I was shocked to see that the form which was filled in front of me had some key features been changed:
1. A lot of papers have my signatures which I never even signed at all… someone has forged my signatures.
2. Amount of Insurance changed to – Rs 6, 00, 000/
3. Premium changed to – Rs 5, 000/ P.M
4. Mode – Semi-annual
5. General Amendment form had stuff written which I have not written & signed for at all
6. Application date on the form is 31st July 08
i. Please look at step 6 in the form – it is clearly mentioned that I signed the form on the 22nd July 08 & if you follow up on my check of Rs 30, 000/ it cleared my account on the 30th July 08 so why would the application form be signed on the 31st July 08.
ii. Please check Step 4 & Step 5 of my application wherein you would notice that it has cutting at critical places which the agent has done it post my filling up the form or else I would have signed against them.
7. Why is the policy active as on 13th Aug & not active from the date the check of Rs 30, 000/ cleared my HDFC bank account.
8. My application form is dated the 31st July so how can the check which I submitted clear my account on the 30th July  Check # 294480 dated the 22nd July 08 & cleared my HDFC account on the 30th July 08

I want to understand what is going on & why has the policy changed. Why does someone at TATA AIG have to forge customer’s signatures to get a wrong policy issued? When I received the policy via courier today afternoon I immediately escalated this issue at the customer care & spoke with an executive named Ms Neeru & supervisor named Ms Reshma who have assured me that this issue would be addressed on high priority & action taken against the culprits.

I would expect an immediate escalation of my issue & need immediate resolution of the following issues:
1. The policy needs to be changed & a new policy be issued with correct details on high priority with the following things which I had requested at the beginning:
• Policy should be active from the date the money has cleared the bank account i.e. 30th July 08 & not 13th Aug 08
• Term -20 years
• Amount of Insurance – Rs 12, 00, 000/
• Premium – Rs 10, 000/ P.M paid on a quarterly basis as he told me that monthly would not be possible.
• Mode – Quarterly
• Paid – Through ECS on a quarterly basis
• General Amendment form has stuff which I never signed for hence it should be changed
At this point in time I am not thinking of approaching to other means of resolving this issue like consumer court or the press but get the issue resolved with dialogue/communication.
I urge the management to take this very seriously & I need a reply/resolution to this within the next 24 hours.

Thanks and Regards,
Divya Dutta
Mobile # --[protected]
House # 703, Tower# 8,
Uniwrorld Garden, Sec 47,
Sohna Road, Gurgaon

Sir, I have taken a policy of home insurance from TATA AIG General insurance on 03 Feb 08. Within 15 days of receipt of policy documents I have applied for cancellation of policy. But my policy was not cancelled despite repeated reminders through e-mail/phone. Lastly My policy was cancelled in the first week of Jun 08. But still now I have not been refund amount which I am suppose to get back. My policy no. is [protected]. Please refund the policy premium to me at the earliest. My phone no. [protected]

i am mohan lal gupta. I have taken the 'MAHARAKSHA INJURY PLAN' from TATA AIG. My policy number is MRP[protected]. I have taken this policy for myself. I want to cancel the policy since i want to take the personal injury policy.i am trying to call since last five days but i have no response from there.i am totlly frustrated. i am not able to understand what can i do for it.i called him daily, but they tell me why you want to cancel that and after i was tell him i want to cancel that bcoz i not much satisfy with that, and suddenly he put that call. but i am trying my best to cancel it and i want to help from you, please contact me regarding that case for cancellation.please hurry...!!!

i was policy holder of tata aig policy no[protected] of my santro car done on08/11/2006 for next year ihave done insurance of my car from united india insurance co on[protected] but tata aig has not sent me no claim bonus certificate so i could not recieve my policy bond from united india .ins .co.they have held up my policy due to lack of services by tata aig .i am harassed by both companies now last resort is consumer court.if tata aig will send to united india insurance .co ltd.divisonal office sco 72 phase 9 mohali punjab. for cover note no, 989234,

As, I recd a call from TATA AIG to review accidental policy for 2 months on the cost of Rs.10/-, but when after 2 months, I called up for the cancellation they insist me to continue with lesser premium amount, even my lot of request he not cancelled my policy and keep it continue with a lesser premium, even after I am calling him for cancellation and a representative told me that he is taken the request and with in 2-3 days it will cancelled and further I am not charged any amount.
At that time, I am satisfied but when I checked my Credit Card statement I am surprised that bank is charging the same amount from Oct-2007.
It is completely harassment by TATA AIG and unnecessary charge the premium amount even I am not having any policy documents.
Please help me and write me the right person to whom I contact for the refund of my money and cancellation of policy.
Sandeep Saxena
[protected] (Delhi)
[protected]@gmail.com

Dear team,

I got a call from your telemarketing team and was sold an insurance plan which i found suitable for my family.

The guys name was Gaurav and i confirmed number of times about the credit card EMI plan which he told me would be for 0% for 12 months and i just need to give the ref number
173478 to the credit card department to change that transaction to 12 montsh emi with 0%.

I contacted HSBC credit card depertment and i got a mail which says that cant do it.

That means whatever he told me was all lie and was just to make sales and thats it. I have number of insurance and investments with Tata Aig and i have faced the problem earlier also.

Now i would not encourage this mistake done by you and want serious action to be taken by you or else i would not take moments to send this findings to HSBC group office in Mumbai and other competetitors in the market. And trust me, within 24 hours this would be there in nespapers all around.

This is not just a matter of 5000 rs but its all about the principle wherein i would give 0 in there.

Please make a note of the policy number IRHC[protected].

hope i will get some solution for this.

regards

Sunil

Dear sir
i am unable to contact customer care [protected] and [protected]
so how can i contact customer care
and how can i calim my medical bill
can u tell to me solution asap
thanks
suri
ph: [protected]

To
Shiney Prasad
Senior Vice President – Operations & Systems
TATA-AIG General Insurance Company Limited
Regd: Office : Peninsula Corporate Park
Nicholas Piramal Tower, 9th floor, G.K.Marg
Lower Parel, Mumbai 400 013

Ref : MahaRaksha Policy # MRP[protected]
Sub : Unethical methods employed by your representative for renewal of policy and authorization on credit card
For the MahaRaksha policy I was holding for last two years and the premium amount gets charged to my HSBC credit card. This policy expired in Jan 2008.
For the last two annual renewals, your representative contacted me from Mumbai and took approval for renewal. I also authorized TATA-AIG to charge the premium to my HSBC credit card.
After the elapse of the policy in Jan 2008, no one contacted me for renewal. I was also not interested in renewing the policy.
Last month I got a cover with a covering letter stating that the policy is renewed and the premium amount will be charged to my credit card. I was surprised by this and the attached policy belongs to Mr. Mahesh Sharma (Policy no. #MRP[protected]). I have not received my policy till date.
I sent a mail to your customer support to cancel this policy, as this was renewed without my approval.
I was surprised to see the amount getting charged to my HSBC credit card without my authorization.
I advised HSBC to cancel the charged amount and get the policy also cancelled.
Today I got a call from Mr.Javad Hasan and he introduced himself as your representative. He said he has proof of my approval for renewal and also authorization for charging on my HSBC credit card. He also said the policy will be cancelled as desired by me and Rs.99 will be charged towards administrative charges. I said since I have not approved the renewal, the administrative charges are not agreeable to me.
After 3 hours again I got a call from Mr.Javad Hasan and he played a recorded version of the approval for renewal.
I want you to listen to the recorded version of the policy renewal and also the authorization to charge my credit card for the premium amount.
The interesting part of the conversation is the unethical approach employed by your representative :
1. I am the proposer of the policy, my wife and mother are the beneficiaries. Only the proposer has the legal right to renew the policy. There should not be any doubt on this. I was very much available on my mobile, I am not sure why your representative approached my wife for renewal
2. The credit card number read out in the conversation by your representative is in my name. How can your representative ask my wife to authorize the charging of the premium to my card? Even if the sales slip is signed by my wife no bank will accept that.
3. Early Jan ’08 one of your representative talked about a different policy to me,which I turned down. Fearing that I will not approve the renewal of the MahaRaksha policy your representative has approached my wife. This is my reading of what has happened.
4. Please listen to today’s conversation with Mr.Javad Hasan. He needs to be told, how he should talk to a customer. What he played to me as recorded conversation is clear demonstration o[censored]nethical approach employed by your representative. This is equally criminal offence and amounts to cheating.
5. I still have a great regard for TATA group for ethical practices and the value they offer to customers. Above Representatives of yours, spoil your reputation and tarnish the image of your company.
I am also marking a copy of this letter to General Manager Credit Cards –HSBC.
Please arrange for cancellation of the policy and also arrange for 100% reversal of the charges with no administrative charges to my account.
More than deficiency in service to a customer, you have also caused so much of mental agony. I am seriously considering legal means for claiming damages, if the issue is not settled to my satisfaction within one week of receipt of this letter.
Truly yours
R.B.SATISH KUMAR
To General Manager, HSBC – Credit Card Division : For the two renewals of TATA-AIG, I got a call from HSBC to authorize the payment of the premium through my credit card. For the renewal of policy under dispute none of your representative contacted me. So far two EMIs have been charged to my credit card account. Please arrange to reverse them. Any administrative charges, please collect from TATA-AIG.
I also request you to strengthen your authorization process to avoid such fraudulent practices in future.