Tata AIG Insurance — tata aig denied to renew the motor policy

Tata aig has denied to renew my car insurance policy. It is stating that i have made exessive claim in a policy year. For kind information, as per policy rule i am eligible for maximum 2 times 100% claim. And i have done 2 claim, which is still in line with policy rules. Further there is no base in this clarification as if i have made exessive claim how can tata aig approve my excess claim. Then it is not clear to me how this can be a reason for denial of the policy renewal.

If 2 claims in a year can deny me renewal. Then i am also should be eligible to get back my previous year premiums for which i have not made any claim. Tata aig is making rules for self benefit. Please be careful while buying policy from tata aig.
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Dear Sir, we regret the inconvenience caused to you. We request you to kindly DM your policy number, contact number and email id and enable us to assist you further.
Gonabal's [Complaint's author] reply, Jun 18, 2020
I have separately raised this issue to tata AIG. Upon verification I found that this policy renewal is denied due to the potential risk of excess claim based on the feedback from Tata AIG under writer team.

This is totally unacceptable. And I can clearly say that tata AIG is discriminating my policy. No way i will accept this clarification from Tata AIG which has come up with such rule just to safeguard its benifit.

If tata AIG has such rule then why the same has been specified in the policy or why such details were informed while when I buy policy. Tell me one reason to accept your clarification now.

Guys please be careful with tata AIG while buying policy. The moment you claim for 2 times 100% in a year, they will deny renewal stating some stupid rule. They only want you to buy policy and renew yearly but never claim. The moment you claim (that too genuine and due to unfortunate incidents) they will not renew policy.

Coming to tata AIG team,

I want my policy to be renewed by tata AIG with out any reason. If you can deny my policy with a statement of future potential risk of excessive claim, then I think even i have the right to demand you to return all policy premiums which I paid duly in past 4 years however not claimed.

In simple renew my policy or return previous year premiums. Please refer my mail for policy details and contact details
Gonabal's [Complaint's author] reply, Jun 18, 2020
Policy number is 01583883240100
We are working towards your issue. We will address the same ASAP. Truly appreciate your patience in the meantime.

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